DNI Car Insurance UAE: Compare Prices & Buy Online
Flexible installments to pay later with
And
Regulated by the Government of Dubai
Dubai National Insurance (DNI) offers comprehensive and third-party motor insurance solutions for drivers across the UAE. Through Lookinsure, you can compare DNI quotes online, review coverage benefits against other insurers, choose the right plan for your vehicle, and complete your purchase online in minutes.
DNI Car Insurance Overview
DNI Comprehensive vs Third-Party Car Insurance
Before comparing insurers, drivers should first decide whether they need only mandatory liability protection or broader protection for their own vehicle as well.
Feature | DNI Comprehensive Insurance | DNI Third-Party Insurance |
Coverage Period | 13 months | Standard (12 months typically) |
Starting Premium (estimate) | AED 1,700 | AED 728 |
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 2,000,000 | Up to AED 2,000,000 |
Fire & Theft Cover | Included | Not covered |
Loss or Damage Cover | Included | Not covered |
Agency Repair | As brand new | Not applicable |
Geographical Area | UAE & Oman (own damage only) | UAE only |
Personal Effects | Up to AED 2,000 | Not included |
Emergency Medical Expenses | Up to AED 3,000 | Not included |
Ambulance Cover | Up to AED 6,770 | Not included |
Off-Road Cover (4WD only) | Yes (AED 5,000 excess) | Not included |
Windscreen Cover | Up to AED 2,000 | Not included |
Storm, Flood, Riot, Strike Extension | Included | Not included |
Roadside Assistance | Gold Card (IMC) — accident & breakdown | Not included |
Hire Car Benefit | Optional (+AED 250 for 10 days at AED 100/day) | Not included |
Personal Accident — Driver & Passenger | Optional (additional premium) | Not included |
Policy Excess | As per ministry guidelines | As per ministry guidelines |
Under 25 Driver Excess | +10% | +10% |
Best For | Drivers wanting comprehensive protection with 13-month cover, agency repair as brand new, and UAE & Oman driving | Drivers mainly seeking affordable legal liability coverage at the lowest price |
DNI's comprehensive plans emphasize a 13-month coverage period, agency repair using brand new parts, Gold Card roadside assistance, and included geographical cover for UAE & Oman (own damage only).
Note: Prices are estimates for a 2021 Toyota Corolla valued at AED 43,000. Actual premiums vary by vehicle.
DNI vs RAK vs Adamjee Prices: Third-Party Car Insurance
Third-party insurance is often chosen by drivers looking for the lowest practical legal cover. DNI offers the most competitive TPL premium in this comparison, starting from AED 728, while still providing unlimited third-party bodily injury liability.
TPL Comparison Point | DNI | RAK Insurance | Adamjee |
Basic Premium | AED 728 | AED 1,019.62 | AED 975 |
Third-Party Bodily Injury or Death | Unlimited | Unlimited liability | Covered as per UAE policy wording |
Third-Party Property Damage | Covered as per policy terms | Up to AED 2,000,000 | Covered up to policy limit |
Personal Accident — Driver | Included | Optional add-on | Included |
Personal Accident — Passengers | Not specified in base plan | Optional add-on | Included |
Personal Accident — Family Members | Not specified | Optional add-on | Not specified |
Personal Accident — Employees | Optional add-on | Optional add-on | Not specified |
Ambulance Services | Not specified | Up to AED 6,770 per person | Not specified |
Roadside Assistance | Not included in base TPL | Included (24/7 UAE + Oman) | Optional (+AED 10) |
Oman Extension / Orange Card | Not specified | Optional annual Orange Card | Not included |
Nationwide UAE Coverage | Included | Included | Included |
Compare DNI third-party insurance prices with RAK, Adamjee, and other UAE insurers before choosing the right policy. DNI offers the most competitive starting TPL premium at AED 728.
Note: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
DNI vs RAK vs Adamjee Prices: Comprehensive Car Insurance
Comprehensive insurance should be compared based on total protection, not only premium price. DNI offers a 13-month coverage period (one extra month free), agency repair as brand new, and Gold Card roadside assistance — all at a competitive starting premium of AED 1,700.
Comprehensive Comparison Point | DNI | RAK Insurance | Adamjee |
Basic Premium | AED 1,700 | AED 1,829.25 | AED 1,675 |
Declared Vehicle Value | AED 36,962 | AED 36,585 | AED 30,242 |
Repair Type | Workshop repair | Workshop repair | Workshop repair |
Agency Repair | As brand new | Up to 25 months | Free add-on |
Own Damage Cover | Included | Included | Included |
Fire & Theft Cover | Included under own damage | Included | Included |
Third-Party Bodily Injury or Death | Unlimited | Unlimited liability | Included |
Third-Party Property Damage | Up to AED 2,000,000 | Up to AED 3,500,000 | Included up to policy limit |
Driver Personal Accident Benefit | Optional (+premium) | Included (AED 50,000) | Included |
Passenger Personal Accident Benefit | Optional (+premium) | Included | Included |
Family Members Accident Benefit | Not specified | Included | Not specified |
Employee Accident Benefit | Not specified | Included | Not specified |
Emergency Medical Expenses | Up to AED 3,000 | Up to AED 5,000 | Not specified |
Ambulance Services | Up to AED 6,770 | Up to AED 6,770 per person | Not specified |
Windscreen Cover | Up to AED 2,000 | Unlimited | Included |
Personal Effects | Up to AED 2,000 | Up to AED 5,000 | Not specified |
Roadside Assistance | Gold Card (IMC) — accident & breakdown | Included UAE + Oman (24/7) | Included (24/7) |
Replacement Vehicle | Optional (+AED 250 for 10 days at AED 100/day) | Optional hire car benefit (5–15 days) | 10 days (non-fault only) |
Natural Disaster / Flood Cover | Included (storm, flood, riot, strike) | Included (non-declared disasters) | Included |
Oman / GCC Extension | UAE & Oman (own damage only) — included | GCC own-damage cover (Bahrain, Saudi, Kuwait with Orange Card) | UAE only |
Orange Card | Not specified | Optional | Not specified |
Off-Road Cover | Included for 4WD vehicles (AED 5,000 excess) | Included for 4x4 vehicles | Not specified |
New Car Replacement | Not specified | Auto GAP — first 6 months | Not specified |
Key Replacement / Locks | Not specified | Up to AED 5,000 | Not specified |
Valet Parking Theft | Not specified | Included | Not specified |
Strike, Riot & Civil Commotion | Included | Optional (additional premium) | Not specified |
No Claim Discount | Standard | 5% on renewal | Not specified |
Under 25 Driver Excess | +10% | Not specified | Not specified |
Compare DNI comprehensive insurance side by side before buying the right protection for your car. Don't forget — DNI offers a 13-month coverage period at the same price as 12 months.
Note: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
Which Insurer Should You Choose: DNI, RAK, or Adamjee?
There is no single best insurer for every driver. The right choice depends on your budget, vehicle type, and whether you prioritize extended coverage period, agency repair quality, or lowest premium.
Your Priority | What to Check | Likely Direction |
Lowest TPL premium | Basic premium | DNI (AED 728) |
Longest coverage period | Months of cover | DNI (13 months) |
Cheapest comprehensive option | Premium price | Adamjee (AED 1,675) or DNI (AED 1,700) |
Agency repair quality | Brand new vs standard | DNI (as brand new) |
Off-road driving | Off-road cover inclusion | RAK or DNI (both include for 4x4s) |
UAE & Oman driving | Geographical extension | DNI (UAE & Oman own damage included) or RAK (with Orange Card) |
Roadside assistance quality | Coverage level | DNI (Gold Card IMC) or RAK (24/7 UAE+Oman) |
Storm, flood, riot, strike cover | Included or optional | DNI (included) |
Personal belongings cover | Limit amount | RAK (AED 5,000) vs DNI (AED 2,000) |
Emergency medical expenses | Limit amount | RAK (AED 5,000) vs DNI (AED 3,000) |
Maximum feature depth | Total included benefits | RAK |
Budget-focused comprehensive | Price vs benefits | Adamjee or DNI |
If your priority is getting agency repair with brand new parts, UAE & Oman driving cover, and Gold Card roadside assistance — all at a competitive price — DNI becomes the most attractive option. For drivers Looking for maximum feature depth (higher belongings cover, unlimited windscreen), RAK car insurance may be better. For the absolute lowest comprehensive premium, Adamjee car insurance is competitive.
DNI Car Insurance Benefits and Add-ons
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/property — up to AED 2,000,000 | TPL & Comprehensive |
Own Damage Cover | Covers damage to the insured vehicle | Comprehensive only |
Agency Repair | Repairs at manufacturer's authorized dealers using brand new parts | Comprehensive |
Geographical Area | UAE & Oman (own damage only) | Comprehensive |
Personal Effects | Covers loss/damage to belongings inside vehicle — up to AED 2,000 | Comprehensive |
Emergency Medical Expenses | Medical-expense support after accidents — up to AED 3,000 | Comprehensive |
Ambulance Cover | National ambulance service coverage — up to AED 6,770 | Comprehensive |
Off-Road Cover | Covers damage while driving off-road — applicable to 4WD vehicles only (AED 5,000 excess, excluding safari) | Comprehensive |
Windscreen Cover | Covers windscreen repair or replacement — up to AED 2,000 | Comprehensive |
Storm, Flood, Riot, Strike Extension | Extended coverage for natural disasters and civil unrest | Comprehensive |
Roadside Assistance | Gold Card via IMC — accident and breakdown support | Comprehensive |
Hire Car Benefit | Optional — 10 days at AED 100/day for AED 250 premium | Optional add-on |
Personal Accident — Driver & Passenger | Optional — injury/death protection for driver and passengers | Optional add-on |
Fire & Theft Cover | Protection against vehicle theft or fire damage | Comprehensive |
Loss or Damage Cover | Core comprehensive protection | Comprehensive |
Nationwide UAE Coverage | Insurance protection across all UAE emirates | TPL & Comprehensive |
What Is Not Covered Under DNI Car Insurance?
Like all UAE motor-insurance policies, DNI includes exclusions that depend on the selected policy wording and coverage type. Additionally, DNI applies a 10% excess for drivers under age 25.
Common Exclusion Area | What It Means |
Driving without a valid license | Claims may be rejected if the driver is not legally licensed or is driving with an expired/suspended license |
Driving under the influence | Accidents involving alcohol, narcotics, or drugs affecting driver control are typically excluded |
Using the vehicle for unauthorized 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 |
Tire damage only | Tire 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 Oman extension is included (own damage only for DNI) |
Natural disasters (TPL policies) | Third-party policies exclude floods, earthquakes, hurricanes, and similar natural disasters |
War, invasion, hostilities, civil war | Damage related to war, foreign enemy action, or warlike operations is excluded |
Nuclear risks | Ionizing radiation, radioactive contamination, nuclear fuel, or atomic/nuclear explosions are excluded |
Own vehicle damage under TPL | Third-party insurance does not cover damage to the insured vehicle itself |
Off-road driving (non-4WD vehicles) | Off-road damage is only covered for eligible 4WD vehicles (AED 5,000 excess applies) |
Safari activities | Off-road cover excludes safari activities |
Employee/work-related injuries | Injuries to employees during work may require separate/additional coverage |
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 |
False declaration | Any false declaration or wrong information voids the quotation; cancellation charges may apply |
Additional DNI-Specific Conditions
Condition | Details |
Under 25 Driver Excess | Additional 10% excess applies if driver age is less than 25 at time of accident |
Depreciation | Subject to depreciation replacement parts as per IA Board of Directors Decision No. 25 of 2016 |
Additional Information | DNI may require car photos, RTA passing certificate, or vehicle inspection |
Quotation Validity | Quotations are valid for 15 days from date of issuance |
Renewal Claims | If a claim is submitted after renewal date but accident occurred before renewal, the new policy may be considered void and cancelled |
Documents Required to Buy DNI Car Insurance
- Emirates ID copy (front & back)
- Driving license copy (front & back)
- Vehicle registration card (front & back)
- Emirates ID copy
- Driving license copy
- Vehicle invoice
- Emirates ID copy
- Driving license copy
- Vehicle registration card
- Trade license copy
- Car photo
- Passing paper (RTA passing certificate)
- Vehicle inspection
Required documents may vary depending on insurer checks, vehicle specifications, and policy type. Additional documents may be requested for off-road cover eligibility or if the vehicle is imported.
How to Buy DNI Car Insurance Through Lookinsure
How to Renew DNI Car Insurance
To apply for a DNI car insurance follow these steps:
- Visit Lookinsure
- Get quotes
- Select renew
- Enter car details and personal information
- Choose a plan from the available options
- Review policy and make payment
DNI policyholders renewing their comprehensive policy should check for the continued 13-month coverage period and any applicable No Claim Discount. Note that if a claim is submitted after renewal date but the accident occurred before renewal, the new policy may be considered void and cancelled.
Pay DNI Insurance in Installments
Choosing Lookinsure allows you to pay for your car insurance with Tamara or Tabby and split your payments into 4 interest-free installment.
Here is how payments look for a 2021 Toyota Corolla:
Policy Type | Total Premium (estimate) | Example First Payment (4 Installments) | Remaining Payments |
DNI Third-Party Insurance | AED 728 | Approx. AED 182 | 3 payments of approx. AED 182 |
DNI Comprehensive Insurance (13 months) | AED 1,700 | Approx. AED 425 | 3 payments of approx. AED 425 |
NOTE: Whether you pay in full via credit card or in installments, your policy will be issued right after first payment.
How DNI Car Insurance Claims Work
DNI allows drivers to start the claims process by calling 600 5 80000 (Mon-Fri, 8 AM - 5 PM) or via WhatsApp at the same number. For roadside assistance, DNI customers with Gold Card can call IMC at 600 575751 for accident or breakdown support. Agency repair customers may approach the concerned agency directly with required documents.
How to Submit a DNI Motor Insurance Claim
Important Notes
- If you go directly to any garage without prior approval, DNI reserves the right to shift the vehicle to another workshop
- Early intimation of a claim leads to early settlement
- For DNI customers with Gold/Classic card, IMC assistance is available on accident or breakdown (600 575751)
Documents Required for a DNI Insurance Claim
- Original police report
- Car registration card (front & back)
- Driver's license copy
- General incident details
- Claims form (filled & signed by insured)
Compliance Note
Submitting a claim does not automatically mean liability has been accepted by the insurer. Final claim approval depends on policy terms, submitted documents, accident circumstances, and claim assessment. If at the time of accident the driver age is less than 25, an additional excess of 10% applies.
DNI Repair Network: What to Know Before Repair
Repair assignment depends on the selected policy, claim approval process, and insurer instructions. DNI offers agency repair using brand new parts for comprehensive policyholders. For non-agency repairs, DNI has tied up with some of the best non-agency repair workshops across all Emirates. Drivers should always follow the insurer's approved repair process before visiting a workshop.
Repair Type | Eligibility | Key Features |
Agency Repair | DNI comprehensive policy with agency repair cover | Repairs at manufacturer's authorized dealers using brand new parts |
Non-Agency Repair | DNI comprehensive policy (standard) | Repairs at DNI's approved workshop network across all Emirates |
Gold/Classic Card | DNI customers with Gold or Classic card | IMC assistance on accident or breakdown |
Common Question About Claim Processs
DNI Repair Network Contact
Service | Contact |
Claims Registration | 600 5 80000 (Mon-Fri, 8 AM - 5 PM) or WhatsApp |
Roadside Assistance (IMC) | 600 575751 |
DNI Insurance Contact Information
Dubai National Insurance operates claims and customer-support services from its Head Office in Dubai on Sheikh Zayed Road and its Abu Dhabi branch.
Office Locations
Location | Address | Phone Number |
Dubai Head Office | 3rd Floor, Dubai National Insurance Building, Sheikh Zayed Road (Next to Mazaya Center, Behind Coca Cola Arena), Dubai, UAE. P.O. Box: 1806 | 600 5 80000 |
Abu Dhabi Office | ADCP Building, Tower C, Abu Dhabi, UAE. P.O. Box: 129111 | +971 2 643 4448 |
Frequently Asked Questions
