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600AED
150monthly in 4 payments
Dubai Insurance Company car insurance
Pay in 4 months with
And
Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Dubai Insurance Company (DIC) is a UAE-licensed motor insurer established in 1970 as the country's first national insurance company. With Lookinsure you can compare car insurance quotes online for Dubai Insurance Company's third-party and comprehensive plans, buy in minutes, and pay in 4 interest-free installments with Tabby or Tamara.
What is Dubai Insurance Company car insurance?
Dubai Insurance Company car insurance is a motor policy issued by Dubai Insurance Company PSC, founded by Emiri Decree under the late Sheikh Rashid Al Maktoum and listed on the Dubai Financial Market (ticker: DIN). The company writes third-party and comprehensive motor cover for private vehicles, alongside health, property, and travel insurance.
AM Best affirmed Dubai Insurance Company's Financial Strength Rating at A (Excellent) and its Long-Term Issuer Credit Rating at "a" (Excellent), with a stable outlook, in May 2026 — a signal of the insurer's ability to pay claims, not a Lookinsure or third-party estimate.
Not to be confused with Dubai National Insurance
Dubai Insurance Company (DIC, founded 1970) is a separate, independently licensed insurer from Dubai National Insurance car cover (DNI, founded 1991). The two names are easy to mix up in a quick search — this page covers Dubai Insurance Company only. If you're looking for Dubai National Insurance's motor plans instead, follow the link above.
Types of car insurance plans offered by Dubai Insurance Company
Dubai Insurance Company sells car insurance across three tiers. Each steps up in cover, not just price:
Third-party car insurance
- The UAE's legally mandatory minimum. Covers third-party car insurance liabilities only — injury and property damage caused to others — with no cover for your own vehicle's damage.
- Third-party property damage is covered up to AED 2,000,000; bodily injury liability has no set cap.
Comprehensive – Gold plan
- Adds comprehensive car insurance cover for your own vehicle: accidents, theft, fire, and natural perils, plus roadside assistance and a 15-day rental car during repairs.
- Personal accident cover for the driver is an optional add-on up to AED 200,000 on Gold; passenger personal accident is included.
Comprehensive – Platinum plan
- Dubai Insurance Company's top tier. Includes everything in Gold, plus driver personal accident cover up to AED 200,000 as standard, higher windscreen and lock-replacement limits, and a child seat replacement benefit.
- Agency repair at authorized dealer workshops is included on new vehicles for the first 2 years from registration, on both Gold and Platinum.
Motor fleet insurance
Alongside individual policies, Dubai Insurance Company offers discounted fleet plans for businesses running multiple vehicles, with cover terms negotiated against fleet size and claims history.
Third-Party vs Gold vs Platinum: what each plan covers
| Coverage | Third-Party | Gold | Platinum |
|---|---|---|---|
| Own vehicle damage | Not included | Included | Included |
| Third-party property damage | Up to AED 2,000,000 | Up to AED 2,000,000 | Up to AED 2,000,000 |
| Personal accident – driver | Not included | Optional, up to AED 200,000 | Included, up to AED 200,000 |
| Personal accident – passengers | Included | Included | Included |
| Roadside assistance & towing | Not included | Included | Included |
| Rent-a-car during repairs | Not included | Included (15 days) | Included (15 days) |
| Off-road / desert cover | Not included | Included | Included |
| Agency repair (new cars) | Not included | Included (2 years) | Included (2 years) |
| Windscreen damage | Not included | Up to AED 3,000 | Up to AED 5,000 |
| Emergency medical expenses | Not included | Up to AED 2,500 | Up to AED 5,000 |
| Child seat replacement | Not included | Not included | Up to AED 500 |
Which plan should you choose? Third-Party is enough if you only need the UAE's legal minimum and your car has little resale value. Gold suits most comprehensive buyers who want own-damage cover without every extra. Platinum is worth the premium if your car is under 2 years old (to use the agency-repair window) or you want the higher accident and windscreen limits as standard.
Figures above reflect Dubai Insurance Company's published plan structure.
Benefits of Dubai Insurance Company car insurance
Dubai Insurance Company has built its car insurance around long-standing customer relationships rather than a single headline feature. A few of the practical ones:
Comprehensive coverage options
Choosing between Third-Party, Gold, and Platinum lets buyers match cover to what their vehicle is actually worth, rather than defaulting to the cheapest legal minimum or overpaying for benefits they won't use.
Financial stability backed by a current rating
With more than 50 years in the UAE market and an AM Best Financial Strength Rating of A (Excellent), Dubai Insurance Company has the balance sheet to support claims through market cycles, not just in a good year.
Customizable policies
Optional add-ons — off-road cover on Third-Party (see add-ons below), zero-depreciation, and rental-car extensions — let a Gold or Platinum buyer tailor the policy rather than accept a fixed bundle.
Wide network of partners
Dubai Insurance Company's UAE insurance garage list network spans more than 500 approved workshops and repair centres across the Emirates, alongside healthcare providers for personal accident and medical claims.
What is covered under Dubai Insurance Company motor plans?
- Accidents: collision repairs, vandalism, and rollovers, on Gold and Platinum.
- Theft & fire: full vehicle replacement if the car is not recovered.
- Car flood insurance and natural disasters: floods, sandstorms, and hail, excluding damage from intentionally parking in a known flood zone.
- Third-party liabilities: property damage up to AED 2,000,000 and bodily injury with no set cap, across all three tiers.
Also included on Gold and Platinum: roadside assistance cover (breakdown towing, battery boost, lockout, and fuel delivery), a replacement car for up to 15 days during repairs, and windscreen cover up to AED 3,000 on Gold and AED 5,000 on Platinum. Personal accident cover protects passengers on every comprehensive plan and the driver on Platinum by default.
Add-ons for Dubai Insurance Company car insurance plans
- 4x4 car insurance / off-road cover: desert and dune-driving protection, included on Gold and Platinum but not available on a Third-Party-only policy.
- Zero depreciation: waives the value deduction applied to replacement parts — most useful on cars under 5 years old.
- Rental car cover: a replacement vehicle for up to 15 days after an accident, already bundled into Gold and Platinum.
- Agency repair: genuine parts at an authorized Dubai Insurance Company dealer workshop, for new vehicles within 2 years of registration.
- Hajj/Umrah protection: emergency medical evacuation cover during religious travel.
What is NOT covered under Dubai Insurance Company car insurance?
- Illegal activities: drunk driving, racing, and unlicensed drivers.
- Mechanical failures: engine or clutch breakdowns unrelated to an accident.
- Wear and tear: tyre degradation, battery failure.
- Unreported modifications: non-standard parts, such as aftermarket turbochargers.
- Intentional damage: self-inflicted scratches or staged accidents.
- Driving in Oman: Dubai Insurance Company's standard UAE motor policy does not extend to Oman. Drivers who regularly cross the border need a separate Oman-specific policy or Orange Card, unlike some UAE insurers that bundle an Oman extension into their comprehensive plans.
Tip: add zero-depreciation at purchase if your car is new, and confirm off-road cover is active before any desert or dune driving — it is not included on Third-Party.
Documents required to buy Dubai Insurance Company car insurance
The documents you need vary slightly by policy type, but buying online through Lookinsure or applying directly typically requires:
- Valid driving license
- Emirates ID
- Passport
- Visa (for expatriates)
- Bank statements
- Vehicle registration card
- Previous insurance policy, including any no-claims bonus certificate, if applicable
- Vehicle inspection report
Contact Dubai Insurance Company for car insurance
Dubai Insurance Company can be reached at 800 DUBINS (382467) or by email at [email protected] for policy and claims support. Lookinsure customers can also manage quotes, renewals, and installment payments directly through their Lookinsure account without calling the insurer separately.
How to file your Dubai Insurance Company claim?
In case of an accident, here's how to raise a Dubai Insurance Company motor claim:
1. Contact the police
Report the accident to the police immediately and keep the car accident insurance claim report as evidence — most Dubai Insurance Company claims require it.
2. Inform your insurer
Contact Dubai Insurance Company or your Lookinsure account team and let them know about the accident as soon as possible.
3. Fill out the claim form
Log into your Lookinsure account and complete the claim form with the accident details.
4. Attach the required documents
Submit the police report, photos of the damage, and any other supporting documents alongside the form.
5. Submit your claim
Review the details for accuracy, then submit the claim for assessment.
6. Wait for your insurer's decision
Dubai Insurance Company will notify you once the claim has been assessed and confirm whether it has been approved.
Documents required for Dubai Insurance Company claims
- Completed claim form
- Original police report
- Vehicle registration card
- Repair estimates from an approved garage
How to renew Dubai Insurance Company car insurance online
- Log in to your Lookinsure.
- Select "Renew" and adjust your plan tier or add-ons if needed.
- Pay by card, or car insurance with Tabby or car insurance with Tamara in 4 interest-free installments.
- Receive your digital certificate.
Pay Dubai Insurance Company car insurance in installments
Lookinsure lets you split a new Dubai Insurance Company policy, or a renewal, into 4 interest-free installments through Tabby or Tamara, rather than paying the full annual premium upfront. This applies across Third-Party, Gold, and Platinum plans, and to fleet policies where eligible.
Why buy a Dubai Insurance Company car insurance policy in the UAE?
- Pioneer since 1970: the UAE's first national insurer, still operating under the same PSC structure today.
- A current, verified financial strength rating: AM Best A (Excellent), affirmed May 2026, with a stable outlook.
- Sharia-compliant options: Takaful-style ethical plans are available alongside conventional cover.
- Rapid claims: minor-damage claims typically settle within 48 hours.
- UAE-wide support: more than 500 approved garages and branches across the Emirates, including car insurance in Sharjah.
Dubai Insurance Company remains one of the UAE's most established motor insurers, and comparing its Third-Party, Gold, and Platinum plans against other providers is the fastest way to see whether it's the right fit for your car. Costs vary by vehicle, driver profile, and what affects a car insurance premium in the UAE more broadly, so getting a live quote is more reliable than any published price list. Compare Dubai Insurance Company's plans and other UAE insurers side by side through Lookinsure, and start your policy today.
Frequently asked questions
Dubai Insurance Company (DIC) car insurance is a UAE motor policy from Dubai Insurance Company PSC, the country's first national insurer, established in 1970. Lookinsure lets you compare DIC's third-party and comprehensive Gold and Platinum plans, get an instant quote, and buy online, paying in 4 interest-free installments with Tabby or Tamara.
No. Dubai Insurance Company (DIC), founded in 1970, and Dubai National Insurance (DNI), founded in 1991, are two separate, independently licensed UAE insurers. If you meant DNI's car insurance, see Lookinsure's Dubai National Insurance car insurance page instead of this one.
Dubai Insurance Company offers three motor plans: Third-Party, the UAE's mandatory minimum cover; Gold, comprehensive cover with optional add-ons; and Platinum, comprehensive cover with the widest benefits, including agency repair and higher accident limits. Discounted fleet plans are available for businesses with multiple vehicles.
Dubai Insurance Company can be reached at 800 DUBINS (382467) or by emailing [email protected] for claims and general policy support. Lookinsure customers can also manage quotes, renewals, claims, and installment payments directly through their Lookinsure account without needing to call the insurer separately for routine requests.
No. Dubai Insurance Company's UAE motor policies exclude Oman entirely. Drivers who regularly cross the border need a separate Orange Card or an Oman-specific policy from another provider, unlike some UAE insurers that bundle an Oman extension directly into their comprehensive plans as an add-on.
Yes, on Gold and Platinum comprehensive plans. Off-road cover for desert and dune driving is included on both comprehensive tiers but is not available on Third-Party-only policies, so 4x4 owners who want this protection need at least the Gold plan.
Yes. Dubai Insurance Company accepts international driving licenses for short-term policies covering 1 to 3 months, making it a workable option for tourists and visitors who need to drive a UAE-registered or rental vehicle while in the country on a temporary basis.
Minor damage claims are typically settled within 48 hours, while major repairs needing a full agency workshop assessment can take up to 7 days. Filing your claim promptly, with the police report and photos of the damage attached, helps avoid unnecessary processing delays on either timeline.
Yes, Dubai Insurance Company's comprehensive Gold and Platinum plans cover electric and hybrid vehicles under the same accident, theft, and third-party terms as petrol cars. Battery degradation from normal wear and age is excluded, as it is with most UAE motor insurers.
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