Nissan Altima
TPL
Features and Benefits
24/7 Roadside assistance
Starting From
AED
748AED
187monthly in 4 payments
Tokio Marine car insurance in the UAE
Pay in 4 months with
And
Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Tokio Marine car insurance is the UAE motor insurance line of Tokio Marine & Nichido Fire Insurance Co., Ltd., sold as one third-party liability plan and two comprehensive plans — Tokio Must and Tokio Smart Plus. All three include AED 200,000 driver accident cover, AED 200,000 passenger accident cover, 24/7 roadside assistance and national ambulance cover up to AED 6,770.
That combination is what separates it in the UAE market. Most third-party policies protect other people and stop there; Tokio Marine motor insurance pays out to the driver and to the passengers as well. Tokio Marine insurance is sold in Dubai, Abu Dhabi and every other emirate through brokers and online aggregators, so you can compare car insurance quotes online from Tokio Marine alongside other UAE insurers and complete the purchase in minutes. The insurer is also commonly searched as Tokyo Marine or Toyo Marine — they refer to the same company.
Founded
Tokio Marine Group, established 1879 — Japan's first insurance company
UAE availability
Available through UAE brokers and online aggregators including Lookinsure
Plans sold in the UAE
Tokio Third Party, Tokio Must (comprehensive), Tokio Smart Plus (comprehensive)
Driver accident cover
AED 200,000 — compensation to the driver for injury or death in an accident
Passenger accident cover
AED 200,000 — payable to passengers for injury or death caused by an accident
National ambulance cover
Up to AED 6,770 on every plan, third party included
Roadside assistance
24/7 recovery on 600 50 8181 — towing, battery boost, flat tyre, lockout, fuel delivery
Replacement vehicle
Included on comprehensive plans for up to 15–20 days while your car is repaired
Claims support
600 50 30 30 — Sunday to Thursday, 8am to 8pm
Best suited to
Drivers who want people-cover, not just liability cover, at a mid-market premium
Tokio Marine car insurance plans compared
Tokio Marine sells three motor insurance plans in the UAE. Tokio Third Party meets the legal minimum. Tokio Must is the standard comprehensive plan. Tokio Smart Plus is the upgraded comprehensive plan, and the only one that includes three years of free agency repair.
Decide the cover level before you compare insurers. If your car is financed, under three years old, or worth more than AED 30,000, choose comprehensive car insurance. If it is older, fully owned and low in value, third-party car insurance is usually the rational choice — and Tokio Marine's version of it is unusually well equipped.
Feature | Tokio Must (comprehensive) | Tokio Third Party | Tokio Smart Plus |
|---|---|---|---|
Loss or damage to the insured vehicle | Included | Not included | Included |
Fire and theft cover | Included | Not included | Included |
Storm, flood, riot, strike and civil commotion | Included | Not included | Included |
Third party liability | Included | Included | Included |
Third party bodily injury | Unlimited | Unlimited | Unlimited |
Third party property damage | AED 2 million | AED 2 million | AED 3.5 million |
Third party liability to family members | Included | Optional | Included |
Emergency medical expenses | AED 3,000 | Not included | AED 4,000 |
Free personal injury cover | AED 10,000 | Not included | AED 15,000 |
Personal accident cover for the driver | AED 200,000 | AED 200,000 | AED 200,000 |
Personal accident cover for passengers | AED 200,000 | AED 200,000 | AED 200,000 |
Loss of personal effects | AED 2,500 | Not included | AED 3,500 |
Loss of use (replacement vehicle) | 10 days | If not at fault | Optional, 10–15 days |
Loss of use, maximum per day | Up to AED 100 | Up to AED 300 | Up to AED 100 |
24-hour accident and breakdown recovery | Included | Included | Included |
Taxi fare when the vehicle is not roadworthy | Up to AED 200 | Not included | Up to AED 350 |
No claim discount | Included | Included | Included |
National ambulance cover | AED 6,770 | AED 6,770 | AED 6,770 |
Windshield damage excess waiver | Waived once | Not included | Waived once |
Self-authorisation repairs | AED 1,000 | Not included | AED 2,000 |
Free agency repair | Not included | Not included | 3 years |
New car replacement | 6 months | Not included | 6 months |
Oman cover | Included, own damage only | Not included | Included, own damage only |
Off-road cover | Included, 4WD only | Not included | Included, 4WD only |
NOTE: plan limits verified against Tokio Marine's published UAE motor product schedule. Confirm the limits on your own policy schedule before you buy.
Is Tokio Marine car insurance right for you?
Choose Tokio Marine if you want the people inside your car covered as well as the people outside it. Its third-party plan carries AED 200,000 of driver cover and AED 200,000 of passenger cover — a level of personal accident cover in car insurance that most UAE third-party policies treat as a paid add-on, if they offer it at all.
It is the wrong choice if premium is your only criterion. On comprehensive cover Tokio Marine is the most expensive of the three insurers compared below, and drivers who never carry passengers will pay for a benefit they do not need.
Tokio Marine may be a good fit if you want… | Why |
|---|---|
AED 200,000 driver accident cover | Included on every plan, third party included — higher than most competitors |
AED 200,000 passenger accident cover | Pays passengers for injury or death caused by an accident |
24/7 roadside assistance | Included on third party and comprehensive, on 600 50 8181 |
National ambulance cover | Up to AED 6,770 per person on every plan |
Competitive third-party pricing | From AED 898 for a 2021 Toyota Corolla valued at AED 43,000 |
A replacement car while yours is repaired | 15–20 days on comprehensive — longer than either insurer compared below |
Three years of free agency repair | Available on Tokio Smart Plus only |
A loyalty discount for staying | Applied when you renew rather than switch |
An internationally backed insurer | Tokio Marine Group, operating since 1879 |
Tokio Marine vs RAK vs DNI: third-party car insurance compared
Third-party cover is the legal minimum in the UAE, so drivers usually shop it on price alone. That is where Tokio Marine reads badly on a spreadsheet and well in practice: it costs AED 170 more than the cheapest option here and includes two benefits the cheapest option charges for.
The two insurers below are the closest price comparators. Full plan detail sits on the RAK car insurance and DNI car insurance pages.
Third-party comparison point | Tokio Marine | RAK Insurance | DNI | How to interpret it |
|---|---|---|---|---|
Basic premium, 2021 Toyota Corolla | AED 898 | AED 1,019.62 | AED 728 | DNI lowest, Tokio Marine mid-market |
Third-party bodily injury or death | Unlimited | Unlimited | Unlimited | Identical — not a deciding factor |
Third-party property damage | Up to AED 2,000,000 | Up to AED 2,000,000 | Up to AED 2,000,000 | Identical — not a deciding factor |
Driver accident cover | AED 200,000 | Optional add-on | Included | The clearest gap in Tokio Marine's favour |
Passenger accident cover | AED 200,000 | Optional add-on | Not specified in base plan | Matters if you carry family or colleagues |
Ambulance services | Up to AED 6,770 | Up to AED 6,770 per person | Not specified | Post-accident emergency transport |
Roadside assistance | Included, 24/7 | Included, 24/7 UAE and Oman | Not included in base third party | DNI's headline price excludes this |
Oman extension / Orange Card | Not included on third party | Optional annual Orange Card | Not specified | Buy separately at the Oman border |
Loyalty discount | Included | Not specified | Not specified | Reduces the gap at renewal |
Nationwide UAE coverage | Included | Included | Included | Standard across all three |
NOTE: premiums quoted for a 2021 Toyota Corolla valued at AED 43,000
Tokio Marine vs RAK vs DNI: comprehensive car insurance compared
On comprehensive cover the ranking inverts. Tokio Marine is AED 838 more expensive than DNI on the same car, and the case for paying it rests on three things: AED 200,000 of driver and passenger cover, a 15–20 day replacement vehicle, and — on Tokio Smart Plus — three years of agency repair.
If you are still choosing between cover levels rather than insurers, read comprehensive vs third-party car insurance first.
Comprehensive comparison point | Tokio Marine | RAK Insurance | DNI | How to interpret it |
|---|---|---|---|---|
Basic premium, 2021 Toyota Corolla | AED 2,538 | AED 1,829.25 | AED 1,700 | Tokio Marine is the most expensive here |
Declared vehicle value | AED 36,962 | AED 36,585 | AED 36,962 | The basis for a total-loss or theft settlement |
Repair type | Approved workshop | Approved workshop | Approved workshop | Agency repair is an upgrade on all three |
Own damage cover | Included | Included | Included | The core of comprehensive cover |
Fire and theft cover | Included | Included | Included under own damage | Protection against non-collision loss |
Third-party property damage | AED 2 million, or AED 3.5 million on Smart Plus | Up to AED 3,500,000 | Up to AED 2,000,000 | Match Smart Plus against RAK, not Tokio Must |
Driver accident cover | AED 200,000 | Included, AED 50,000 | Optional, extra premium | Four times RAK's limit |
Passenger accident cover | AED 200,000 | Included | Optional, extra premium | Check RAK's limit before assuming parity |
Ambulance services | Up to AED 6,770 | Up to AED 6,770 per person | Up to AED 6,770 | Identical across all three |
Roadside assistance | Included, 24/7 | Included, UAE and Oman, 24/7 | Gold Card (IMC) | RAK's extends across the Oman border |
Replacement vehicle | Included, 15–20 days | Optional hire car benefit | Optional, AED 250 for 10 days | The clearest gap in Tokio Marine's favour |
Windscreen cover | Excess waived once | Unlimited | Up to AED 2,000 | RAK leads on this benefit |
Off-road cover | Included for 4WD, excluding safari | Included for 4x4 vehicles | Included for 4WD, AED 5,000 excess | Relevant for SUVs and 4x4s |
Oman cover | Own damage only, Orange Card separate | GCC own-damage cover with Orange Card | UAE and Oman own damage included | Important for cross-border driving |
No claim discount | Included | 5% on renewal | Standard | Rewards claim-free driving |
Young driver excess | Applies under 25 | Not specified | Plus 10% under 25 | Confirm before you buy if you are under 25 |
Loyalty discount | Included | Not specified | Not specified | Reduces the gap at renewal |
NOTE: premiums quoted for a 2021 Toyota Corolla valued at AED 43,000
Which insurer should you choose?
Choose Tokio Marine for third-party cover if you ever carry passengers — AED 121 more than RAK buys AED 400,000 of accident cover that RAK charges extra for. Choose DNI for comprehensive cover if you drive alone and want the lowest premium. Choose RAK if windscreen cover and Oman driving matter more to you than accident limits.
Your priority | What to check | Likely direction |
|---|---|---|
Lowest third-party premium | Basic premium only | DNI, AED 728 |
Best third-party driver and passenger cover | Accident cover limits | Tokio Marine, AED 200,000 each |
Lowest comprehensive premium | Base price | DNI, AED 1,700, or RAK, AED 1,829 |
Best comprehensive driver and passenger cover | Accident cover limits | Tokio Marine, AED 200,000 each |
A car to drive while yours is repaired | Days included, not optional | Tokio Marine, 15–20 days included |
Agency repair on a newer car | Years from first registration | Tokio Smart Plus, 3 years free |
Windscreen and glass damage | Limit rather than excess waiver | RAK, unlimited |
Off-road and desert driving | 4WD eligibility and excess | RAK or DNI |
Regular driving into Oman | Geographical extension | DNI, included, or RAK with Orange Card |
Driver under 25 | Extra excess or loaded premium | All three apply a loading — compare quotes |
Maximum benefit depth for the money | Total included benefits | RAK |
Mid-market price with strong people-cover | Price against accident limits | Tokio Marine, especially on third party |
How much does Tokio Marine car insurance cost in the UAE?
Tokio Marine third-party car insurance starts at AED 898 a year and comprehensive cover at AED 2,538 a year for a 2021 Toyota Corolla valued at AED 43,000
As a rule of thumb on the quotes compared above, UAE third-party premiums run at roughly 1.7% to 2.4% of a car's value per year, and comprehensive premiums at roughly 4.6% to 6.9%. Cheaper cars sit at the top of those ranges and expensive cars near the bottom, so a AED 150,000 vehicle will not cost five times a AED 30,000 one. Model-specific pricing for the car used in these examples sits on the Toyota car insurance page.
Four things move a Tokio Marine vehicle insurance quote more than anything else: the declared value of the car, your claims history, whether the main driver is under 25, and whether you add agency repair. Off-plan add-ons such as off-road cover for a 4WD change the figure less than the first two.
Tokio Marine car insurance benefits and add-ons
Some of the benefits below apply to every Tokio Marine plan and some only to comprehensive. The distinction matters most on roadside assistance cover, which Tokio Marine includes on third party while several UAE insurers do not.
Two further benefits are worth checking against your own driving: windscreen insurance cover, where Tokio Marine waives the excess once rather than paying an unlimited amount, and 4x4 car insurance, where off-road damage is covered for eligible 4WD vehicles but never for safari or competition use.
Benefit or add-on | What it means | Availability |
|---|---|---|
Driver accident cover | Pays up to AED 200,000 to the driver for injury or death in an accident | Third party and comprehensive |
Passenger accident cover | Pays up to AED 200,000 to passengers for injury or death caused by an accident | Third party and comprehensive |
Third-party liability | Covers injury, death or property damage caused to other people | Third party and comprehensive |
Own damage cover | Covers damage to your own vehicle, whoever is at fault | Comprehensive only |
24/7 roadside assistance | Towing, battery boost, flat tyre, lockout and fuel delivery on 600 50 8181 | Third party and comprehensive |
National ambulance cover | Emergency transport up to AED 6,770 per person | Third party and comprehensive |
Replacement vehicle | A car to drive for 15–20 days while yours is being repaired | Comprehensive |
Workshop repair | Repairs carried out inside the approved garage network | Comprehensive |
Free agency repair | Repairs at the manufacturer's dealership for 3 years from first registration | Tokio Smart Plus |
No claim discount | A renewal discount earned by not claiming during the policy year | Comprehensive |
Loyalty discount | A renewal discount for staying with Tokio Marine year after year | Third party and comprehensive |
Off-road cover | Covers off-road damage on eligible 4WD vehicles, excluding safari use | Comprehensive, 4WD only |
Oman cover | Own damage cover inside Oman; the Orange Card is bought separately | Comprehensive |
Fire and theft cover | Protection against vehicle theft and fire damage | Comprehensive |
Storm, flood, riot and strike cover | Extended cover for natural events and civil unrest | Comprehensive |
Windshield excess waiver | The excess on one windscreen claim per policy year is waived | Comprehensive |
Self-authorisation repairs | Authorise minor repairs yourself up to AED 1,000, or AED 2,000 on Smart Plus | Comprehensive |
Young driver excess | An additional excess or premium loading for drivers under 25 | Third party and comprehensive |
Nationwide UAE coverage | Cover applies across all seven emirates | Third party and comprehensive |
Your no claim discount is kept when you make no claim during the policy period, and is applied on top of the loyalty discount at renewal. If you are unsure how much you have accrued, read how a no claims discount is calculated and carried between UAE insurers.
What is not covered under Tokio Marine car insurance?
Tokio Marine excludes the same categories as every UAE motor policy issued under the Unified Motor Vehicle Insurance Policy, plus one that catches drivers out: theft from valet parking is not covered.
Common exclusion area | What it means |
|---|---|
Driving without a valid licence | Claims may be rejected if the driver is unlicensed or the licence is expired or suspended |
Driving under the influence | Accidents involving alcohol, narcotics or drugs affecting driver control are excluded |
Using the vehicle for undeclared purposes | Cover may not apply if the car is used differently from what the policy declares |
Racing or speed testing | Damage caused during racing, speed tests or similar activities is excluded |
Mechanical or electrical breakdown | Wear and tear, mechanical failure and electrical breakdown are not covered |
Tyre damage alone | Tyre damage is covered only when it happens alongside other insured vehicle damage |
Overloading the vehicle | Claims may be rejected where overloading or excess passengers caused the accident |
Driving outside UAE geographical limits | Cover stops at the border unless Oman own-damage cover is added |
Natural disasters on third-party policies | Third-party plans exclude flood, earthquake, storm and similar events |
War, invasion, hostilities and civil war | Damage from war, foreign enemy action or warlike operations is excluded |
Nuclear risks | Ionising radiation, radioactive contamination and nuclear explosion are excluded |
Damage to your own vehicle on third party | Third-party insurance never covers damage to the insured vehicle itself |
Off-road driving in a non-4WD vehicle | Off-road damage is covered only for eligible 4WD vehicles |
Safari, competitions and events | Off-road cover excludes safari activities, competitions and organised events |
Employee and work-related injuries | Injuries to employees during work may require separate cover |
Intentional legal violations | Claims involving deliberate criminal acts or intentional law-breaking may be rejected |
Loss of the insurer's recovery rights | Claims may be denied if you accept responsibility at the scene when you should not have |
Valet parking theft | Theft of a vehicle handed to a valet is not covered under Tokio Marine policies |
Additional Tokio Marine-specific conditions
- Young driver excess: an additional charge applies to drivers under the age of 25
- Third-party insurer inspection: where the repair estimate exceeds AED 5,000, the third party's insurer may take up to 3 working days to inspect the vehicle, in line with UAE Insurance Authority guidelines
- No claim discount: retained when no claim is made during the policy period
How to buy Tokio Marine car insurance through Lookinsure
You can buy a Tokio Marine policy online in about ten minutes. Enter the car's details once and quotes come back from Tokio Marine and other UAE insurers side by side, so the AED 200,000 accident cover can be weighed against a cheaper premium elsewhere before you commit.
Step 1
Enter your vehicle details
Make, model and year, or the chassis number — quotes are generated from multiple insurers including Tokio Marine
Step 2
Compare the insurers
Review price against cover — check Tokio Marine's AED 200,000 driver and passenger accident limits
Step 3
Select your Tokio Marine plan
Choose Tokio Third Party, Tokio Must or Tokio Smart Plus
Step 4
Upload your documents
Emirates ID, driving licence and vehicle registration card, submitted online
Step 5
Pay online
Pay in full by card, or split the premium into four instalments
Step 6
Receive your policy
The digital policy is issued and emailed to you after approval
Tokio Marine cover applies across all seven emirates. Local pricing, garage networks and registration rules differ, so if you are comparing by emirate:
How to renew Tokio Marine car insurance online
Renew a Tokio Marine policy through Lookinsure in four steps, and apply your accrued discounts before you pay rather than after. Renewing rather than switching is what keeps the loyalty discount alive, so it is worth pricing the renewal against the market before deciding either way.
Step 1
Open the renewal quote
Enter your current policy number and vehicle details to renew your car insurance online
Step 2
Apply your discounts
30% loyalty reward after 5 or more claim-free years, and a 15% safe driver bonus for an app score above 95
Step 3
Adjust your cover
Add or remove add-ons, update the named drivers, and revise the declared vehicle value
Step 4
Pay and receive the policy
Pay by Visa or Mastercard, or in four interest-free instalments — the renewed policy is emailed to you
There is a 30-day grace period after expiry, but driving during it is still driving uninsured under UAE law. Renew before the expiry date, not during the grace window.
Pay for Tokio Marine car insurance in instalments
Through Lookinsure you can buy car insurance with Tamara or car insurance with Tabby and split the premium into four interest-free payments. The policy activates as soon as the first payment clears — you are insured from day one, not after the fourth instalment.
Policy type | Total premium (estimate) | First payment of four | Remaining payments |
|---|---|---|---|
Tokio Marine third-party insurance | AED 898 | Approx. AED 224.50 | 3 payments of approx. AED 224.50 |
Tokio Marine comprehensive insurance | AED 2,538 | Approx. AED 634.50 | 3 payments of approx. AED 634.50 |
Instalment availability depends on provider approval and checkout eligibility. Actual premiums vary by vehicle, driver history and selected add-ons.
Documents required to buy Tokio Marine car insurance
Existing vehicle
- Emirates ID
- Driving licence
- Vehicle registration card (mulkiya)
New vehicle
- Emirates ID
- Driving licence
- Invoice from the dealer
- Vehicle specifications
Ownership transfer
- Emirates ID
- Driving licence
- New registration card
- Previous insurance details, if any
Online application
Electronic copies of all the documents above, uploaded during checkout
How Tokio Marine car insurance claims work
Start a Tokio Marine claim by calling 600 50 30 30, Sunday to Thursday between 8am and 8pm, or by filing the claim form on the insurer's website. A police report is mandatory before the claim can proceed — get it at the scene or from the nearest police station, not later.
One rule shapes the timeline more than any other. Under UAE Insurance Authority guidelines, where the estimated repair cost exceeds AED 5,000, Tokio Marine must notify the third party's insurance carrier, and that insurer may take up to three working days to inspect the vehicle and agree repair costs with the workshop. Plan for the delay rather than chasing it.
Step 1
Report the accident
Obtain the police report — mandatory for accident verification in the UAE
Step 2
Contact Tokio Marine
Call 600 50 30 30, Sunday to Thursday 8am–8pm, or file the online claim form
Step 3
Submit your documents
Original police report, driving licence copy and registration card copy
Step 4
Assessment above AED 5,000
The third party's insurer is notified and may take 3 working days to inspect
Step 5
Take the car to an approved workshop
Wait for the garage assignment before moving the vehicle anywhere
Step 6
Repair approval and completion
The workshop proceeds only once Tokio Marine authorises the repair
Step 7
Inspect and collect the vehicle
Check the repair against the approved estimate before you sign for the car
Documents required for a Tokio Marine insurance claim
- Original police report: mandatory for accident verification
- Copy of the driving licence: confirms the driver was eligible to drive
- Copy of the registration card (mulkiya): verifies vehicle ownership and registration
Tokio Marine repair network and approved garages
Tokio Marine repairs run through an approved workshop network rather than a garage of your choosing. Agency repair at the manufacturer's dealership is available on Tokio Smart Plus for three years from first registration, and on some other plans by endorsement — check your policy schedule rather than assuming.
The approved network covers all seven emirates, with workshop clusters in Umm Ramool, Al Quoz and Al Qusais in Dubai, the Sharjah Industrial Area, Mussafah in Abu Dhabi, and the Al Ain, Ras Al Khaimah, Fujairah and Ajman industrial areas. Named garages and contact numbers for Tokio Marine and other UAE insurers are maintained on the UAE insurance garage list.
Repair type | Eligibility | Key features |
|---|---|---|
Workshop repair | All Tokio Marine comprehensive policies | Repairs carried out inside the approved insurer network |
Agency repair | Tokio Smart Plus, 3 years from first registration | Manufacturer dealership repair with genuine parts |
Can I choose any garage?
No. Repairs must go through Tokio Marine's approved workshop network unless your policy schedule says otherwise.
Is agency repair available?
Yes, on Tokio Smart Plus for 3 years from first registration, and on some other plans by endorsement.
Should I visit a garage before approval?
No. Wait for the claim to be approved and the garage assigned, or the repair may not be paid.
Cancelling a Tokio Marine policy and claiming a refund
A Tokio Marine motor policy can be cancelled mid-term, and the refund is calculated on a short-rate basis rather than pro-rata — the insurer keeps a proportion of the unused premium to cover administration. Cancel two months into a twelve-month policy and you will not get ten twelfths back.
Two conditions apply in almost every case: the policy must be claim-free for the year, and the vehicle registration must be cancelled or transferred first. Selling the car is the most common trigger, and the process, documents and typical timelines are set out in full in car insurance refund after selling your car.
Tokio Marine insurance contact numbers
Claims helpline
600 50 30 30 — Sunday to Thursday, 8am to 8pm
Roadside assistance, 24/7
600 50 8181 — towing, battery boost, flat tyre, lockout and fuel delivery
Online claim filing
Available through the Tokio Marine UAE website
Website
https://www.tmnf.ae/
Frequently asked questions
Tokio Marine third-party car insurance starts at AED 898 a year and comprehensive cover at AED 2,538, quoted for a 2021 Toyota Corolla valued at AED 43,000. Your own premium depends on the car's declared value, your claims history, your age and any add-ons such as agency repair.
Tokio Marine comprehensive motor insurance covers damage to your own vehicle as well as your liability to others. It is sold as two plans: Tokio Must, and Tokio Smart Plus, which adds AED 3.5 million third-party property damage, three years of free agency repair and higher personal injury limits. Both include AED 200,000 driver and passenger accident cover.
Enter your current policy number and vehicle details on Lookinsure, apply your discounts, adjust your cover, then pay by card or in four installments. Renewing rather than switching keeps the 30% loyalty reward available after five or more claim-free years. A 30-day grace period follows expiry, but driving in it is still driving uninsured.
Yes. Tokio Marine includes 24/7 roadside assistance on both third-party and comprehensive policies, reachable on 600 50 8181. The service covers towing, battery boost, flat tyre change, lockout assistance and fuel delivery anywhere in the UAE. Several UAE insurers exclude roadside assistance from their base third-party plan, so it is worth comparing.
Enter your vehicle's make, model and year, or its chassis number, on Lookinsure and quotes come back from Tokio Marine alongside other UAE insurers. Comparing side by side lets you weigh Tokio Marine's AED 200,000 driver and passenger accident cover against a cheaper premium elsewhere before you commit to either.
No. Repairs must be carried out inside Tokio Marine's approved workshop network unless your policy schedule allows otherwise. Agency repair at the manufacturer's dealership is included on Tokio Smart Plus for three years from first registration. Always wait for claim approval and garage assignment before moving the vehicle to any workshop.
Partly. Tokio Marine comprehensive policies extend own-damage cover into Oman, but third-party liability inside Oman is not included. You must buy the Orange Card separately at the Oman border before crossing. Tokio Third Party policies carry no Oman extension at all and provide no cover once you leave the UAE.
Tokio Marine's UAE claims helpline is 600 50 30 30, open Sunday to Thursday from 8am to 8pm. The 24/7 roadside assistance line is a separate number, 600 50 8181, and operates outside those hours. Claims can also be filed online through the Tokio Marine UAE website at any time.
Experience of 45K+ Customers with Lookinsure
Abu Dhabi
Sharjah
Umm Al Quwin
Dubai