Methaq
TPL
Features and Benefits
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Starting From
AED
600AED
150monthly in 4 payments
Comprehensive (full cover) car insurance in Dubai, UAE
Pay in 4 months with
And
Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Comprehensive car insurance — also called full cover or full coverage insurance in the UAE — pays for damage to your own vehicle as well as damage you cause to others, unlike third-party insurance, which covers only the other party. A comprehensive policy in the UAE typically includes accident damage, fire, theft, flood and natural disaster cover, windscreen damage and roadside assistance, with optional extras such as agency repair, off-road cover and personal accident benefit. Prices start from around AED 1,260 a year.
With Lookinsure, you can compare comprehensive car insurance quotes online from eight leading UAE insurers — including Methaq, Sukoon, Orient, RAK, Tokio Marine, Adamjee, DNI and Fidelity United — and see the excess amount, agency repair eligibility and add-on pricing for each plan side by side. You can also compare car insurance across every cover type in one search.
What Is Comprehensive Car Insurance?
Comprehensive car insurance is the widest level of motor cover available in the UAE. It pays for repairs to your own vehicle after an accident, as well as the damage and injury you cause to other people and their property. Drivers often search for it as "full cover", "full coverage insurance" or "full insurance for car" — and it is sometimes misspelled as "compressive insurance". All of these refer to the same product.
Comprehensive cover is not legally mandatory in the UAE. Only third-party car insurance is required by law under the Unified Motor Vehicle Insurance Policy issued by the Central Bank of the UAE. In practice, however, banks require comprehensive cover on financed vehicles, and most drivers of cars under five years old choose it because the cost of repairing or replacing a newer car far exceeds the premium difference.
Comprehensive vs Third-Party Car Insurance
| Feature | Comprehensive Insurance | Third-Party Insurance |
|---|---|---|
| Damage to your own car | Covered | Not covered |
| Third-party liability | Covered | Covered |
| Fire and theft | Usually included | Not included |
| Flood and storm damage | Often included | Usually not covered |
| Windscreen damage | Usually included | Not covered |
| Roadside assistance | Often included | Limited or optional |
| Premium cost | Higher | Lower |
| Best for | Broader protection | Legal minimum coverage |
As a rule of thumb, comprehensive insurance is the better choice if your car is financed, under roughly five years old, or worth more than about AED 30,000, because a single at-fault accident can cost more than several years of premiums. Third-party car insurance is the best option for older, lower-value vehicles where you only need the legal minimum protection at the lowest price. If you want cover that sits between the two, third-party fire and theft cover adds protection against fire and theft without full own-damage cover. Our guide to comprehensive vs third-party car insurance explains the difference in more detail.
What Does Comprehensive Car Insurance Cover?
Comprehensive insurance policies in the UAE may include:
- Damage to your own vehicle
- Third-party liability coverage
- Fire and theft protection
- Flood and storm damage
- Vandalism and malicious damage
- Roadside assistance
- Windscreen cover
- Personal accident benefits
- Emergency medical expenses
Coverage limits and included benefits vary depending on the insurer and policy terms. Many drivers also add optional protections such as engine protection cover, car key replacement cover, loss of personal belongings, or 4x4 and off-road cover for desert driving.
What Is NOT Covered Under Comprehensive Insurance?
Comprehensive insurance policies usually do not cover:
- Driving under the influence of alcohol or drugs
- Driving without a valid UAE license
- Intentional vehicle damage
- Mechanical and electrical breakdown, wear and tear
- Undeclared vehicle modifications
- Unauthorized racing or illegal use
- Off-road driving without off-road cover
- Driving outside the UAE without a geographical extension
- Using the vehicle commercially unless declared to the insurer
Drivers should always review policy exclusions and coverage limits carefully before purchase.
Price of Comprehensive Car Insurance for Popular Models
Comprehensive premiums in the UAE generally fall between roughly 2% and 5% of a car’s market value per year, though older or higher-risk vehicles can sit above that range. The indicative prices below were verified in July 2026 and vary by driver age, claims history and chosen excess.
Toyota car insurance prices
Toyota Camry (2021)
Approximate Value (AED): 70,000
Comprehensive Premium (AED/year): 1,400 – 2,700
Toyota Corolla (2021)
Approximate Value (AED): 43,000
Comprehensive Premium (AED/year): 1,700 – 2,538
Toyota Land Cruiser (2024)
Approximate Value (AED): 250,000 – 350,000
Comprehensive Premium (AED/year): 3,500 – 6,500
Nissan car insurance prices
Nissan Altima (2024)
Approximate Value (AED): 83,000
Comprehensive Premium (AED/year): 1,600 – 2,800
Nissan Patrol (2024)
Approximate Value (AED): 200,000 – 300,000
Comprehensive Premium (AED/year): 3,500 – 6,500
Hyundai and Mitsubishi car insurance prices
Hyundai Accent (2017)
Approximate Value (AED)
Comprehensive Premium (AED/year): 1,260 – 1,615
Mitsubishi Pajero (2022)
Approximate Value (AED): 47,900 – 62,900
Comprehensive Premium (AED/year): 1,800 – 4,141
Premiums also differ by emirate. You can check local pricing for car insurance in Abu Dhabi, Sharjah, Ajman, Al Ain and Fujairah.
What Affects Comprehensive Insurance Prices?
Several factors influence the price of comprehensive car insurance in Dubai and across the UAE.
- Vehicle Value: Higher-value vehicles usually cost more to insure.
- Repair Costs: Luxury or high-performance vehicles may have more expensive repair costs.
- Driver Age and Experience: Young or inexperienced drivers may receive higher premiums.
- Claims History: Previous claims or accident records can affect insurance pricing.
- Coverage Type: Agency repair, lower deductibles, and additional benefits may increase premiums.
- Excess Amount: Choosing a higher car insurance excess lowers your premium, but increases what you pay per claim.
- Repair Type: Agency repair at the manufacturer’s workshop costs more than repair at a approved garage.
- Vehicle Specification: Non-GCC specification cars are usually more expensive to insure than GCC-spec vehicles.
- Licence Duration: Drivers holding a UAE licence for longer often receive lower premiums.
No-Claims Discount on Comprehensive Car Insurance
If you complete a policy year without making a claim, UAE insurers usually reward you with a no-claims discount on your renewal premium. The discount typically starts at around 10% after one claim-free year and can rise to 20% or more after several consecutive years, depending on the insurer.
To carry your discount across to a new insurer, you will normally need an insurance continuity certificate from your previous provider confirming your claim-free history. Making a claim usually resets the discount, which is one reason many drivers pay small repairs themselves rather than claiming.
Comprehensive Car Insurance and Car Finance
If your car is financed through a UAE bank, comprehensive insurance is almost always a condition of the loan. Banks require full cover for the duration of the finance agreement because the vehicle acts as security against the outstanding balance, and third-party cover would leave that asset unprotected.
Most banks also require the policy to name the bank as the loss payee, and many require agency repair for the first two to three years of a new car’s life. Check your finance agreement before choosing a plan, and confirm these requirements with your insurer at the quotation stage so your policy is accepted without amendment.
Why Choose Comprehensive Car Insurance?
Better Financial Protection
Comprehensive insurance helps reduce large out-of-pocket repair costs after accidents or unexpected damage.
Protection for Newer Vehicles
Many drivers choose comprehensive insurance for newer or higher-value cars.
Theft and Flood Protection
Some policies include protection against theft, flooding, storms, and other non-collision risks.
Roadside Assistance and Extra Benefits
Many plans include practical benefits such as towing, battery support, and emergency assistance.
Better Peace of Mind
Comprehensive insurance provides broader protection for daily driving in the UAE.
With Lookinsure's installment payment option, it is now easier for budget-conscious drivers to buy comprehensive or full coverage car insurance plans in UAE with little financial strain.
Best Comprehensive Car Insurance Plans in the UAE
Here are some of the best comprehensive car insurance plans on the UAE market, all of which are available through Lookinsure. Cover details were last verified in July 2026. For a wider view of the market, see our guide to the best car insurance companies in Dubai.
| Insurer | Loss/Damage to Your Vehicle | Third-Party Bodily Injury | Driver PA | Passenger PA | Roadside Assistance | Agency Repair | Key Feature |
| Methaq Car Insurance | Included (up to insured value) | Unlimited | Optional (+AED 120) | Included | Optional (+AED 14) | Optional | Takaful + family PA included |
| DNI Car Insurance | Included | Unlimited | Optional | Optional | Gold Card (IMC) | As brand new | 13-month coverage period |
| RAK Car Insurance | Included | Unlimited | Included (AED 200,000) | Included | Included (24/7 UAE + Oman) | Up to 25 months | Unlimited liability + free 13th month |
| Tokio Marine Car Insurance | Included | Covered | AED 200,000 | AED 200,000 | Included (24/7) | Optional | Highest PA cover + car rental (15-20 days) |
| Adamjee Car Insurance | Included | Covered | Included | Included | Included (24/7) | Free add-on | Agency repair included free |
| Sukoon Car Insurance | Included (up to AED 147,800) | Limit set by UAE Courts | Up to AED 200,000 | Up to AED 200,000 | Gold Plan included | Optional | Highest coverage limits |
| Orient Car Insurance | Included | Unlimited | Not covered | Not covered | Included | Optional | Competitive premium with strong core cover |
| Fidelity United Car Insurance | Included | Covered | Optional (+AED 120) | Optional | Optional (Bronze/Gold/Premium) | Optional (+AED 500) | Most extra benefits (belongings, valet theft, locks) |
How to Buy Comprehensive Car Insurance Online
Follow the steps below to buy a brand new policy or renew comprehensive insurance through Lookinsure:
Step 1
Enter your vehicle details
Step 2
Compare comprehensive insurance quotes
Step 3
Choose your preferred insurer and plan
Step 4
Upload the required documents
Step 5
Complete the online payment
Step 6
Receive your policy digitally after approval
The process is designed to help drivers compare and purchase coverage quickly and conveniently. If you only need cover for a short period, see our guide to temporary car insurance in the UAE.
Documents Required for Comprehensive Insurance
Drivers usually need:
- Emirates ID
- UAE driving license
- Vehicle registration card (Mulkiya)
- Existing insurance policy (for renewals)
- Insurance continuity certificate (to transfer a no-claims discount)
Requirements may vary depending on the insurer and vehicle status. Owners of imported vehicles should also check the rules for non-GCC car insurance before buying.
Can You Pay Comprehensive Insurance in Installments?
Lookinsure allows users to pay for their comprehensive car insurance in installments. To do so, you will need to choose car insurance Tabby installment or car insurance with Tamara option at the payment stage. Your policy will be activated right after paying the first installment.
Installment availability depends on:
- insurer approval
- payment provider eligibility
- selected premium amount
How to File a Comprehensive Insurance Claim
If you are involved in an accident, follow the steps below for a seamless process:
Step 1
Report the accident and obtain a police report
Step 2
Inform your insurer about the incident
Step 3
Submit the required documents
Step 4
Wait for the insurer’s claim assessment
Step 5
Follow the repair or compensation process instructed by the insurer
Claims procedures may vary depending on the insurer and selected policy. Repairs are normally carried out at one of the insurer’s approved garages unless your policy includes agency repair.
Frequently Asked Questions
Comprehensive car insurance, also called full cover or full coverage, pays for damage to your own vehicle as well as damage you cause to others. It covers accidents, fire, theft, flood and natural disasters, and usually includes windscreen cover and roadside assistance. Third-party insurance covers only the other party. It is sometimes misspelled as "compressive insurance".
A UAE comprehensive policy covers damage to your own car, third-party liability, fire and theft, flood and storm damage, vandalism, windscreen damage, personal accident cover for the driver, and roadside assistance. Optional add-ons include agency repair, engine protection, off-road cover for 4WDs and an Oman geographical extension.
Comprehensive car insurance in the UAE generally costs between 2% and 5% of a car's market value per year. On Lookinsure, prices currently start from around AED 1,260 a year for a Hyundai Accent and reach AED 3,500 to 6,500 for a Nissan Patrol or Toyota Land Cruiser. Your age, claims history and chosen excess all affect the final premium.
No. Only third-party liability insurance is legally mandatory for registered vehicles in the UAE, under the Unified Motor Vehicle Insurance Policy. However, banks require comprehensive cover on financed vehicles for the duration of the loan, so in practice most newer and financed cars carry it.
Comprehensive insurance provides broader protection, especially for newer or higher-value vehicles. It costs more than a TPL plan but it also covers own damages. Third-party is usually the better value for older cars worth less than about AED 30,000, where the premium saving outweighs the repair risk.
Comprehensive car insurance typically does not cover intentional damage, driving under the influence, mechanical or electrical breakdowns, normal wear and tear, unauthorized vehicle use, off-road driving without off-road cover, driving outside the UAE without a geographical extension, or accidents occurring while the driver is unlicensed. Exclusions may vary depending on the insurer and policy terms.
Not always. Agency repair means your car is repaired at the manufacturer's authorised workshop rather than a general garage. It is usually an optional add-on, or is included only for the first two to three years of a vehicle's life. The comparison table above shows agency repair eligibility for each insurer.
Yes. Drivers can compare and buy comprehensive insurance online through Lookinsure in a few minutes. Enter your vehicle details, compare quotes from eight UAE insurers, upload your documents and pay online. Your policy is issued digitally after approval.
Yes, with Lookinsure you can buy car insurance with Tabby or Tamara and pay in four interest-free installments.
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