Methaq
TPL
Features and Benefits
Chosen by +12,000 people
24/7 Roadside assistance
Starting From
AED
600AED
150monthly in 4 payments
RAK car insurance in UAE
Pay in 4 months with
And
Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
RAK car insurance is motor cover from Ras Al Khaimah National Insurance Company, a UAE insurer founded in 1974 and regulated by the Central Bank of the UAE. It sells comprehensive and third-party policies with unlimited third-party bodily injury liability, agency repairs up to 25 months, and a free 13th month of cover on claim-free renewal.
Through Lookinsure you can compare car insurance quotes online from RAK alongside other UAE insurers, review the benefits side by side, and buy in minutes.
Drivers searching for RAK insurance car cover usually want three things quickly: what it covers, what it costs, and how to reach the company when something goes wrong. This page answers all three, starting with the numbers you need in an emergency.
RAK Insurance contact numbers, roadside assistance and claims support
RAK Insurance runs two separate lines. Roadside assistance is staffed 24/7 on 600 575 751 and covers the UAE and Oman. Policy, quote and claim enquiries go to 800 RAKI (800 7254), which operates Monday to Friday, 8:30am to 5:30pm. Save the first number before you need it — the RAK insurance roadside assistance line is the one that answers at 3am.
Roadside assistance — 24/7
600 575 751 — towing, battery boost, flat tyre, fuel delivery, lockout and off-road recovery across the UAE and Oman
Quotes, renewals and claims
800 RAKI (800 7254) — Monday to Friday, 8:30am to 5:30pm
Email and website
[email protected] · www.rakinsurance.com
Roadside recovery is included as standard on both comprehensive and third-party policies rather than sold as an extra, which is unusual at this price point — most UAE insurers charge for it or bundle it only with comprehensive. If you are weighing insurers on breakdown support specifically, our guide to roadside assistance cover in car insurance explains what the benefit should include.
How much does RAK car insurance cost in the UAE?
RAK comprehensive cover starts at around AED 1,829 and third-party at around AED 1,020 for a 2021 Toyota Corolla valued at AED 43,000, verified in September 2026. As a rule of thumb, comprehensive premiums in this comparison land between 4.6% and 5.5% of the insurer's declared vehicle value per year — RAK's quote works out at exactly 5.0%. Third-party premiums are flat-rated instead and do not scale with the car's value.
That formula is the fastest way to sanity-check any UAE motor quote: multiply the declared value by roughly 0.05, then add the cost of any optional covers and 5% VAT. A comprehensive quote far outside that band is either loaded for driver risk or priced against a different declared value.
RAK vs Adamjee vs DNI: third-party car insurance prices
Third-party car insurance is often chosen by drivers looking for the lowest practical legal cover. Liability limits, roadside support and personal accident benefits can matter as much as the premium itself — RAK is the most expensive of the three here, and also the only one offering unlimited bodily injury liability with roadside recovery included rather than sold separately.
TPL comparison point | RAK Insurance | Adamjee | Dubai National Insurance (DNI) |
Basic premium | AED 1,019.62 | AED 975 | AED 728 |
Third-party bodily injury or death | Unlimited liability | Covered as per UAE policy wording | Covered as per UAE policy wording |
Third-party property damage | Up to AED 2,000,000 | Covered up to policy limit | Covered as per policy terms |
Personal accident — driver | Optional add-on | Included | Included |
Personal accident — passengers | Optional add-on | Included | Not specified in base plan |
Personal accident — family members | Optional add-on | Not specified | Not specified |
Personal accident — employees | Optional add-on | Not specified | Optional add-on |
Ambulance services | Up to AED 6,770 per person | Not specified | Not specified |
Roadside assistance | Included — 24/7 UAE + Oman | Optional — AED 10 | Included — normal IMC package |
Oman extension / Orange Card | Optional annual Orange Card | Not included | Not specified |
Nationwide UAE coverage | Included | Included | Included |
Compare these against Adamjee car insurance and DNI car insurance in full before choosing a policy.
Note: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
What is RAK car insurance?
RAK car insurance is the motor product line of Ras Al Khaimah National Insurance Company (RAK Insurance), listed on the Abu Dhabi Securities Exchange and registered with the Central Bank of the UAE. It has operated since 1974 from a head office in Ras Al Khaimah, with branches in Abu Dhabi, Dubai and RAK Nakheel.
RAK Insurance is not RAKBANK. The two are separate businesses that share a name and a building — RAK Insurance's head office sits inside RAKBANK's headquarters in Ras Al Khaimah. If you are looking for vehicle finance, that is RAKBANK; if you are looking for a motor policy, that is RAK Insurance.
RAK car insurance overview
Founded
1974 — Ras Al Khaimah National Insurance Company, ADX-listed
UAE availability
Head office in RAK, branches in Abu Dhabi, Dubai and RAK Nakheel
Coverage types
Comprehensive motor insurance, third party liability (TPL), optional add-ons
No claim discount
5% on renewal for claim-free years
Unique benefit
Free 13th month of insurance on renewal, subject to no claims
Claims support
800 RAKI (7254), Monday to Friday; roadside 600 575 751, 24/7
Repair network
Agency repairs up to 25 months, Dyna Trade in the 3rd year, premium garages in the 3rd–5th year
Roadside assistance
24/7 UAE and Oman coverage included on both policy types
Best suited to
Drivers wanting high liability limits, off-road cover, agency repairs, GCC driving and new-car GAP protection
Is RAK car insurance worth it?
Yes — if you drive a 4x4, cross into Oman or the wider GCC, or own a car still inside its first two years. RAK is not the cheapest insurer in this comparison and does not try to be. It charges roughly 9% more than Adamjee for comprehensive cover and 40% more than DNI for third-party, and in exchange gives you unlimited third-party bodily injury liability, off-road cover as standard on eligible 4x4s, GCC own-damage cover, and 24/7 roadside recovery on both policy types.
If your priority is the lowest possible premium on a small commuter car that never leaves the UAE, buy DNI third-party or Adamjee comprehensive instead. The RAK premium only pays for itself if you actually use the benefits it is charging you for.
Searches for RAK motor insurance reviews usually surface two recurring points, and both are visible in the policy wording rather than in opinion: the liability limits are genuinely at the top of the UAE market, and the claims line is weekday office hours only, which is a real limitation if you need policy support at a weekend. The roadside number runs 24/7; the claims desk does not.
Choose RAK if
You drive a 4x4, travel to Oman or the GCC, own a car under 25 months old, or want the highest liability limits available
Choose Adamjee if
You want everyday comprehensive cover at the lowest practical price and drive only inside the UAE
Choose DNI if
You need the cheapest legal third-party cover and roadside support matters more than extras
RAK comprehensive vs third-party car insurance
Before comparing insurers, decide whether you need only the mandatory liability protection required by the Unified Motor Vehicle Insurance Policy, or broader protection for your own vehicle as well. RAK's comprehensive car insurance costs 79% more than its third-party policy on the same vehicle, and that gap buys own-damage, fire, theft, windscreen and off-road cover.
Feature | RAK comprehensive insurance | RAK third-party insurance |
Starting premium — estimate | AED 1,829 | AED 1,020 |
Vehicle damage cover | Included | Not covered |
Declared vehicle value | Based on market value | Not applicable |
Third-party injury & death liability | Unlimited | Unlimited |
Third-party property damage | Up to AED 3,500,000 | Up to AED 2,000,000 |
Fire & theft cover | Included | Not covered |
Natural disaster cover | Included, excluding officially declared disasters | Not covered |
Windscreen protection | Unlimited — no deductible, NCD protected | Not covered |
Personal accident — driver | Included, up to AED 50,000 personal bodily injury | Optional add-on |
Personal accident — passenger | Included | Optional add-on |
Personal belongings | Up to AED 5,000 | Not included |
Replacement of locks | Up to AED 5,000, NCD protected | Not included |
Roadside assistance | 24/7 UAE + Oman, included | 24/7 UAE + Oman, included |
Ambulance services | Up to AED 6,770 per person | Up to AED 6,770 per person |
Replacement vehicle | Optional hire car benefit for 5–15 days | Not included |
Nationwide UAE coverage | Included | Included |
Repair type | Workshop repair through approved garages | Not applicable |
Agency repair | Up to 25 months, subject to no claims | Not available |
Dyna Trade repair | 3rd-year option | Not available |
Premium garage repair | 3rd–5th year option, new-for-old parts | Not available |
Off-road cover | Included for 4x4 vehicles | Not included |
Auto GAP insurance | First 6 months for new vehicles | Not included |
GCC cover — own damage | Bahrain, Saudi Arabia, Kuwait, with Orange Card | Not included |
Orange Card — Oman TPL | Optional | Optional |
Free 13th month | On renewal, subject to no claims | Not applicable |
No claim discount | 5% on renewal | Not applicable |
Best for | Drivers wanting comprehensive protection with high limits, agency repairs and unique benefits | Drivers mainly seeking affordable legal liability coverage with strong roadside assistance |
Note: Prices are estimates for a 2021 Toyota Corolla valued at AED 43,000. Actual premiums vary by vehicle, driver age, claims history and licence tenure.
RAK vs Adamjee vs DNI: comprehensive car insurance prices
Comprehensive cover should be compared on total protection, not premium alone. RAK's AED 1,829.25 sits AED 154 above Adamjee and AED 129 above DNI — a 9% premium that buys materially higher liability caps, off-road cover, GCC own-damage protection and a free 13th month on renewal.
Comprehensive comparison point | RAK Insurance | Adamjee | Dubai National Insurance (DNI) |
Basic premium | AED 1,829.25 | AED 1,675 | AED 1,700 |
Declared vehicle value | AED 36,585 | AED 30,242 | AED 36,962 |
Premium as % of declared value | 5.00% | 5.54% | 4.60% |
Repair type | Workshop repair | Workshop repair | Workshop repair |
Own damage cover | Included | Included | Included |
Fire & theft cover | Included | Included | Included under own damage |
Third-party bodily injury or death | Unlimited liability | Included | Included |
Third-party property damage | Up to AED 3,500,000 | Included up to policy limit | Included |
Driver personal accident benefit | Included — AED 50,000 | Included | Included |
Passenger personal accident benefit | Included | Included | Family & friends benefit included |
Family members accident benefit | Included | Not specified | Included |
Employee accident benefit | Included | Not specified | Included |
Emergency medical expenses | Up to AED 5,000 | Not specified | Up to AED 5,000 |
Ambulance services | Up to AED 6,770 per person | Not specified | Included |
Windscreen cover | Unlimited, NCD protected | Included | Up to AED 3,500 |
Personal effects / belongings | Up to AED 5,000 | Not specified | Up to AED 5,000 |
Replacement of locks | Up to AED 5,000, NCD protected | Not specified | Not specified |
Roadside assistance | Included UAE + Oman, 24/7 | Included, 24/7 | Included, IMC Gold |
Replacement vehicle | Optional hire car benefit for 5–15 days | 10 days, non-fault only | Optional 7 days, AED 150 |
Natural disaster / flood cover | Included, excluding officially declared disasters | Included | Included |
Oman / GCC extension | GCC own-damage cover for Bahrain, Saudi Arabia, Kuwait with Orange Card | UAE only | Oman extension available |
Off-road cover | Included for 4x4 vehicles | Not specified | Not specified |
New car replacement | Auto GAP — first 6 months | Not specified | Not specified |
Key replacement / locks | Up to AED 5,000 | Not specified | Not specified |
Valet parking theft | Included | Not specified | Not specified |
Motor trade cover | Included — road risks | Not specified | Not specified |
Strike, riot & civil commotion | Optional, additional premium | Not specified | Not specified |
Agency repair option | Up to 25 months, subject to no claims | Free add-on | Not specified |
Premium garage repair | 3rd–5th year, new-for-old parts | Free add-on | Not specified |
Free 13th month insurance | On renewal, subject to no claims | Not specified | Not specified |
No claim discount | 5% on renewal | Not specified | Not specified |
Note: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
Which insurer should you choose: RAK, Adamjee or DNI?
There is no single best insurer for every driver. The right choice depends on your budget, vehicle type, and whether you prioritise maximum coverage limits, agency repairs or the lowest premium.
Your priority | What to check | Likely direction |
Lowest TPL premium | Basic premium | DNI |
Highest liability limits | Bodily injury + property damage caps | RAK Insurance |
Cheapest practical comprehensive option | Premium vs core benefits | Adamjee |
Agency repairs for newer cars | Agency repair duration | RAK Insurance — 25 months |
Premium garage repairs with new parts | Garage upgrade availability | RAK Insurance — 3rd–5th year |
Strongest overall benefits | Roadside + GCC + ambulance + personal effects + locks | RAK Insurance |
Oman / GCC driving | GCC extension + Orange Card | RAK Insurance — own-damage cover for Bahrain, Saudi Arabia, Kuwait |
Off-road driving | Off-road cover inclusion | RAK Insurance — standard off-road cover for 4x4s |
New car protection | GAP insurance | RAK Insurance — first 6 months |
Family / passenger protection | Passenger and family PAB | RAK or DNI |
Everyday-value comprehensive cover | Price vs practical benefits | Adamjee |
Free retention benefit | Free 13th month on renewal | RAK Insurance — unique |
RAK car insurance benefits and add-ons
RAK's headline benefits cluster around three things: liability limits, repair quality and driving outside the UAE. Several of them are worth understanding in detail — the windscreen insurance cover is unlimited with no deductible and does not affect your no claim discount, the car key replacement cover pays up to AED 5,000, and 4x4 car insurance buyers get off-road cover as standard rather than as a paid extra.
Benefit / add-on | What it means | Availability |
Third-party liability — bodily injury | Covers injury or death caused to others — unlimited | TPL & comprehensive |
Third-party property damage | Covers damage to another vehicle or property — up to AED 3.5M under comprehensive or AED 2M under TPL | TPL & comprehensive |
Own damage cover | Covers damage to the insured vehicle | Comprehensive only |
Personal accident — driver | Financial protection for the driver — up to AED 50,000 personal bodily injury | Comprehensive included / TPL optional |
Personal accident — passenger | Covers passengers injured during an accident | Comprehensive included / TPL optional |
Personal belongings | Covers loss or damage to belongings inside the vehicle by fire, theft or accident — up to AED 5,000 | Comprehensive |
Replacement of locks | Covers key or lock replacement if lost or stolen — up to AED 5,000, NCD protected | Comprehensive |
24/7 roadside assistance | Emergency towing, battery boost, flat tyre, fuel delivery, lockout and off-road recovery up to 3 times a year — UAE and Oman | TPL & comprehensive, included |
Ambulance services | National ambulance service coverage — up to AED 6,770 per person | TPL & comprehensive |
Replacement vehicle | Optional hire car benefit for 5, 7, 10 or 15 days | Optional add-on |
Windscreen protection | Unlimited cover for windscreen, window or sunroof repair or replacement — no deductible, NCD protected | Comprehensive |
Natural disaster cover | Covers damage from floods, storms and similar events, excluding officially declared natural disasters | Comprehensive |
Fire & theft cover | Protection against vehicle theft or fire damage | Comprehensive |
Off-road cover | Covers damage while driving off-road — applicable to 4x4 vehicles only, excluding safari activities | Comprehensive |
Auto GAP insurance | Brand-new replacement vehicle if total loss occurs within the first 6 months of registration | Comprehensive, new vehicles only |
Valet parking theft | Covers theft of the insured vehicle while in valet parking custody | Comprehensive |
Motor trade cover | Covers road risks while the vehicle is in the care, custody or control of a motor trader, excluding garage keeping liability | Comprehensive |
Agency repair | Repairs at manufacturer-authorised dealers — up to 25 months from first registration, subject to no claims | Comprehensive |
Dyna Trade repair | Repairs at Dyna Trade authorised outlets — 3rd-year option | Comprehensive |
Premium garage repair | Repairs at premium garages with new-for-old parts — 3rd to 5th year option | Comprehensive |
GCC cover | Own-damage cover for Bahrain, Saudi Arabia and Kuwait with Orange Card purchase — maximum 30 days per trip, 90 days per 12 months | Comprehensive |
Orange Card | Third-party liability cover for Oman | Optional add-on |
Strike, riot & civil commotion | Extended coverage for SRCC events, with additional premium | Optional add-on |
No claim discount | 5% premium return on renewal for claim-free years | Comprehensive only |
Free 13th month insurance | One additional month of coverage free on renewal, subject to no claims | Comprehensive only |
Nationwide UAE coverage | Insurance protection across all UAE emirates | TPL & comprehensive |
Two benefits are worth singling out. The free 13th month is worth roughly AED 152 on a comprehensive policy at this price, on top of the 5% no claim discount — a combined retention benefit of about AED 244 that no other insurer in this comparison offers. And if you regularly drive across the border, personal accident cover plus an Orange Card turns a UAE-only policy into GCC-wide protection; our guide to driving to Oman from the UAE covers the paperwork.
What is not covered under RAK car insurance?
Like all UAE motor policies issued under the Unified Motor Vehicle Insurance Policy, RAK Insurance applies exclusions that depend on the policy wording and coverage type. Wear and tear is the one that surprises drivers most often — no motor policy in the UAE covers it, which is why mechanical breakdown cover is sold separately.
Common exclusion area | What it means |
Driving without a valid licence | Claims may be rejected if the driver is not legally licensed or is driving with an expired or suspended licence |
Driving under the influence | Accidents involving alcohol, narcotics or drugs affecting driver control are typically excluded |
Using the vehicle for unauthorised purposes | Claims may not be covered if the car is used for purposes different from those declared in the policy |
Racing or speed testing | Damage caused during racing, speed tests or similar activities is generally excluded |
Mechanical or electrical breakdown | Wear and tear, mechanical failure or electrical breakdown are not covered |
Tyre damage only | Tyre damage alone may not be covered unless it occurs alongside insured vehicle damage |
Overloading the vehicle | Claims may be rejected if overloading or excess passengers directly caused the accident |
Outside UAE geographical limits | Coverage does not apply outside the UAE unless a GCC extension or Orange Card is added, subject to trip limits of 30 days per trip and 90 days per 12 months |
Natural disasters under TPL | Third-party policies exclude floods, earthquakes, hurricanes, volcanoes and similar natural disasters |
War, invasion, hostilities, civil war | Damage related to war, foreign enemy action or warlike operations is excluded |
Strike, riot, civil commotion | Excluded unless the SRCC extension is purchased with additional premium |
Nuclear risks | Ionising radiation, radioactive contamination, nuclear fuel or atomic explosions are excluded |
Confiscation, commandeering, requisition | Loss from permanent or temporary dispossession by lawfully constituted authorities is excluded |
Own vehicle damage under TPL | Third-party insurance does not cover damage to the insured vehicle itself |
Off-road driving for non-4x4 vehicles | Off-road damage is only covered for eligible 4x4 vehicles, excluding safari activities |
Employee or work-related injuries | Injuries to employees during work are excluded unless additional coverage is obtained under a rider or separate policy |
Intentional legal violations | Claims involving deliberate criminal acts or intentional law violations may be rejected |
Loss of insurer recovery rights | Claims may be denied if the insured falsely accepts responsibility and prevents the insurer from recovering losses from the actual liable party |
Documents required to buy RAK car insurance
Existing vehicle
- Emirates ID
- Driving licence
- Vehicle registration card (mulkiya)
New vehicle
- Emirates ID
- Driving licence
- Dealer invoice
- Vehicle specifications
Ownership transfer
- Emirates ID
- Driving licence
- New registration card
- Previous insurance details, if any
Imported or non-GCC vehicle
- Emirates ID
- Driving licence
- Vehicle registration card
- Import certificate
- Vehicle test certificate, if required
Required documents vary depending on insurer checks, vehicle specifications and policy type. Additional documents may be requested to confirm off-road cover eligibility or a GCC extension.
How to buy RAK car insurance through Lookinsure
Step 1
Enter your vehicle details
Quotes are generated from multiple insurers, including RAK
Step 2
Compare insurers
Review price and coverage side by side, including RAK's unlimited liability and 13th-month benefit
Step 3
Select your RAK policy
Choose comprehensive or third-party cover with the add-ons you need
Step 4
Upload your documents
Submit the policy requirements online
Step 5
Pay online
Pay in full or split the premium into four instalments
Step 6
Receive your policy
The policy is issued after approval and delivered digitally
How to renew RAK car insurance online
RAK car insurance renewal online takes about five minutes through Lookinsure, and renewing on time protects both the 5% no claim discount and the free 13th month — both are forfeited if the policy lapses or a claim is made during the year.
Step 1
Open Quotes on Lookinsure
Start from the quotes section of the site
Step 2
Select Renew
Choose the renewal journey rather than a new policy
Step 3
Enter your vehicle and personal details
Confirm the mulkiya, Emirates ID and driving licence details
Step 4
Choose your policy
Compare the RAK renewal quote against other insurers before confirming
Step 5
Make payment
The renewed policy is issued digitally once payment clears
Pay for RAK car insurance in instalments
Eligible RAK quotes bought through Lookinsure support instalment payment through credit card plans or buy-now-pay-later services. Splitting a comprehensive premium into four brings the first payment down from AED 1,829 to about AED 457, and the policy activates as soon as that first payment clears rather than when the final one does.
Policy type | Total premium — estimate | First payment — 4 instalments | Remaining payments |
RAK third-party insurance | AED 1,020 | Approx. AED 255 | 3 payments of approx. AED 255 |
RAK comprehensive insurance | AED 1,829 | Approx. AED 457 | 3 payments of approx. AED 457 |
Both options work the same way at checkout — see car insurance with Tabby and car insurance with Tamara for the eligibility rules and payment schedules.
How RAK car insurance claims work
Start a RAK insurance motor claim by calling 800 RAKI (7254) during working hours, or 600 575 751 for 24/7 roadside support if the car needs recovering first. A police report is mandatory before any accident claim can be registered — without it the claim cannot proceed, regardless of fault. After approval, the claim moves through workshop inspection, document verification, repair authorisation and vehicle collection.
How to submit a RAK motor insurance claim
Step 1
Report the accident
Obtain a police report — mandatory for accident verification. Keep it for claim submission.
Step 2
Contact RAK Insurance
Call 800 RAKI (7254), or 600 575 751 for towing. The claim is registered on this call.
Step 3
Submit required documents
Provide the police report, registration card, driving licence and Emirates ID
Step 4
Take the vehicle to an approved workshop
Agency, Dyna Trade or premium garage, depending on your policy and the car's age
Step 5
Wait for repair approval
The workshop proceeds only after RAK authorises the repair
Step 6
Inspect and collect
Review the repair before pickup — this finalises the claim
Information required for a RAK insurance claim
Vehicle number
Plate code and number
Policy number
As shown on your policy schedule
Insured and driver name
Both, if the driver differs from the insured
Police report number
Plus the emirate where the accident occurred
Accident date and location
With a brief description of what happened
Contact details
Phone number and email for claim updates
Documents required for a RAK insurance claim
Vehicle registration card (mulkiya)
Verifies vehicle ownership and registration
Police report
Required for accident verification — mandatory
Driving licence
Confirms driver eligibility
Emirates ID
Identity verification for the insured or driver
Submitting a claim does not mean liability has been accepted. Final approval depends on policy terms, submitted documents, accident circumstances and the claim assessment. Windscreen claims are the exception worth knowing: they do not affect your no claim discount.
RAK repair network and approved garages
RAK assigns repairs by vehicle age rather than by driver preference, and you cannot choose your own garage unless the policy allows a cash settlement. Always wait for claim approval and garage assignment before taking the car anywhere — a repair started without authorisation may not be reimbursed.
Repair type | Eligibility | Key features |
Agency repairs | Up to 25 months from first registration, subject to no claims | Repairs at manufacturer-authorised dealers within the UAE |
Dyna Trade repairs | 3rd year from first registration | Repairs at Dyna Trade authorised outlets |
Premium garage repairs | 3rd to 5th year from first registration | New-for-old parts through the premium garage network |
The approved workshops span Dubai, Abu Dhabi and Sharjah, and the network changes as RAK adds and removes partners. For the current addresses and phone numbers, see our full RAK insurance garage list, or compare networks across insurers in the wider UAE insurance garage list.
Can I choose any garage?
No. You must use RAK's approved network — agency, Dyna Trade or premium garages — unless the policy allows cash settlement.
Is agency repair available?
Yes, for vehicles up to 25 months from first registration, subject to no claims.
Should I visit a garage before approval?
No. Always wait for claim approval and garage assignment from RAK Insurance.
RAK Insurance branches in the UAE
RAK Insurance operates from four locations across three emirates. The RAK Insurance Dubai office in Oud Metha and the Abu Dhabi office on Hamdan Street handle walk-in policy and claims support during weekday office hours; if you are comparing local options in the capital, our car insurance in Abu Dhabi page covers the market there.
Head office — Ras Al Khaimah
6th Floor, RAKBANK Headquarters, Al Jazeera, Sheikh Saqr Bin Mohammad Al Qasimi R/18, Ras Al Khaimah
Ras Al Khaimah — Nakheel branch
Al Jazaa Street, Al Nakheel, Ras Al Khaimah
Abu Dhabi
2nd Floor, Office 204, Hassan Al Fardan Tower, opposite EMAX, Hamdan Street, Abu Dhabi
Dubai
4th Floor, Office 405, Sultan Business Centre, Oud Metha, next to Lamcy Plaza, Dubai
You do not need to visit a branch to buy or renew. Compare RAK against every other insurer on the market and get a car insurance quote online in a few minutes.
Frequently asked questions
RAK comprehensive cover starts at around AED 1,829 and third-party at around AED 1,020 for a 2021 Toyota Corolla valued at AED 43,000. Comprehensive premiums typically run between 4.6% and 5.5% of the declared vehicle value each year. Your actual premium depends on the car, your age, licence tenure and claims history.
The RAK insurance roadside assistance number is 600 575 751, available 24 hours a day across the UAE and Oman. It covers towing, battery boost, flat tyre help, fuel delivery, lockout assistance and off-road recovery up to three times a year. Roadside cover is included as standard on both comprehensive and third-party policies.
Call 800 RAKI (800 7254) for quotes, renewals and claims, Monday to Friday from 8:30am to 5:30pm. This is the toll free number for policy enquiries. For breakdowns or accidents outside those hours, use the 24/7 roadside line on 600 575 751 instead, or email [email protected].
Call 800 RAKI (7254) to register the claim, or 600 575 751 if the car needs recovery first. You will need the police report, vehicle registration card, driving licence and Emirates ID. A police report is mandatory for every accident claim. RAK then assigns an approved workshop based on your vehicle's age.
RAK motor insurance reviews well on coverage depth and less well on service hours. Its unlimited third-party bodily injury liability and AED 3.5M property damage cap are among the highest in the UAE, and off-road cover is standard on 4x4s. The trade-off is a claims line open only on weekdays, 8:30am to 5:30pm.
Yes. RAK car insurance renewal online takes about five minutes through Lookinsure — select Renew, confirm your vehicle and personal details, compare the renewal quote against other insurers, then pay. Renewing without a claim during the policy year keeps your 5% no claim discount and the free 13th month of cover.
No. RAK Insurance is Ras Al Khaimah National Insurance Company, an ADX-listed insurer founded in 1974 and regulated by the Central Bank of the UAE. RAKBANK is a separate bank. They share a name and RAK Insurance's head office sits inside the RAKBANK building, but motor policies are issued by RAK Insurance.
It depends on your car's age. Vehicles under 25 months old qualify for agency repairs at manufacturer dealerships, third-year cars go to Dyna Trade outlets, and cars in their third to fifth year use premium garages with new-for-old parts. RAK assigns the workshop after approving your claim — you cannot choose freely.
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