Toyota Camry
TPL
Features and Benefits
Chosen by +1,300 people
Starting From
AED
900AED
225monthly in 4 payments
Al Sagr 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
Al Sagr car insurance is motor cover underwritten by Al Sagr National Insurance Company (ASNIC), a UAE insurer founded in 1979 and headquartered in Bur Dubai. Al Sagr prices a 2024 Nissan Altima at AED 900 for third-party cover and AED 2,800 comprehensive. Through Lookinsure you can compare Al Sagr quotes against other UAE insurers, check the coverage line by line, and buy online in minutes.
Eligible policies also support installment payments through Tabby or Tamara, so the premium can be split into four payments instead of one.
What is Al Sagr car insurance?
Al Sagr car insurance is the motor product line of Al Sagr National Insurance Company, a general insurer licensed in the UAE and regulated by the Central Bank of the UAE. The company has traded under the ASNIC name since 1979 and writes both third-party liability and comprehensive motor policies under the Unified Motor Vehicle Insurance Policy that governs all UAE motor cover.
The name is transliterated several ways in search — Al Sagar, Al Saqr, Saqar and Alsagr all refer to the same insurer.
One important distinction: Al Sagr National Insurance Company (UAE) and Al Sagr Cooperative Insurance Company (Saudi Arabia) are different companies. They share a name and nothing else. This page covers the UAE insurer only.
| Al Sagr car insurance at a glance | Detail |
|---|---|
| Underwriter | Al Sagr National Insurance Company (ASNIC) |
| Founded | 1979 |
| Head office | Al Sagr National Insurance Building, Diplomatic Area, Al Seef Road, Bur Dubai |
| Motor plans | Third-party liability and comprehensive |
| Third-party premium, 2024 Nissan Altima | AED 900 |
| Comprehensive premium, 2024 Nissan Altima | AED 2,800 |
| Third-party property damage limit | AED 2,000,000 |
| Third-party bodily injury limit | Unlimited |
| Personal accident cover | Up to AED 200,000 |
| Agency repair eligibility | Up to 3 years from first registration |
| Workshop repair eligibility | Up to 10 years from first registration |
| Payment options through Lookinsure | Card, Tabby, Tamara |
Al Sagr car insurance price by car model
Al Sagr prices third-party cover by vehicle class rather than by what the car is worth: AED 900 for the sedans in the table below, AED 1,260 for the large SUVs. Comprehensive cover on the same car runs roughly three to four times the third-party premium. A different model, model year or driver profile will quote differently.
These are verified Al Sagr premiums for some of the most commonly insured cars in the UAE, quoted on the same basis as the rest of this page: a 2024 model year vehicle with a clean driving record, verified in August 2026.
| Car model | Third-party from | Comprehensive from | Comprehensive ÷ third-party |
|---|---|---|---|
| Nissan Sunny | AED 900 | AED 2,800 | 3.1× |
| Nissan Altima | AED 900 | AED 2,800 | 3.1× |
| Toyota Camry | AED 900 | AED 2,826 | 3.1× |
| Nissan Patrol | AED 1,260 | AED 4,065 | 3.2× |
| Toyota Land Cruiser | AED 1,260 | AED 4,941 | 3.9× |
Two patterns are worth reading out of this table. Third-party pricing is banded rather than continuous — a Sunny, an Altima and a Camry all pay AED 900, because third-party premiums are set by engine and body class, not by what the car is worth. Comprehensive pricing is not banded, because it has to cover the car itself: the Land Cruiser costs 22% more to insure comprehensively than the Patrol even though both sit in the same third-party band.
If your car is a Camry or a Land Cruiser, compare the numbers above against the wider Toyota car insurance market. Owners of the Altima, Sunny or Patrol should check Nissan car insurance quotes across insurers before committing, and Patrol and Land Cruiser owners should also look at 4x4 car insurance options, which price off-road use differently.
Premiums move with driver age, claims history, no-claims discount, vehicle value and the add-ons you select. The factors that affect a car insurance premium in the UAE explain why two drivers in identical cars can be quoted very different numbers.
Al Sagr comprehensive vs third-party car insurance
Choose comprehensive cover if your car is financed, under three years old, or worth more than AED 30,000. Choose third-party if the car is older, low in value, and you can afford to replace it yourself. Third-party is the legal minimum in the UAE; comprehensive is the one that pays to repair your own car.
| Feature | Al Sagr comprehensive | Al Sagr third-party |
| Premium, 2024 Nissan Altima | AED 2,800 | AED 900 |
| Third-party bodily injury | Unlimited | Unlimited |
| Third-party property damage | Up to AED 2,000,000 | Up to AED 2,000,000 |
| Damage to the insured vehicle | Covered | Not covered |
| Fire and theft | Covered | Not covered |
| Personal accident cover | Up to AED 200,000 | Up to AED 200,000 |
| National ambulance service | AED 6,770 per person | AED 6,770 per person |
| Emergency medical expenses | Up to AED 2,000, optional | Not available |
| Natural disaster and civil unrest | Optional add-on | Not available |
| Windscreen cover | Optional add-on | Not available |
| Personal belongings | Up to AED 2,000, optional | Not available |
| Replacement vehicle | Optional add-on | Not available |
| Roadside assistance | Available 24/7, optional package | Available 24/7, optional package |
| Oman and Orange Card extension | Optional add-on | Optional add-on |
| Agency repair | Up to 3 years from registration | Not applicable |
| Workshop repair | Up to 10 years from registration | Not applicable |
| Best for | Newer, financed or higher-value cars | Older cars where legal cover is enough |
Third-party car insurance protects against damage or injury you cause to others. Comprehensive car insurance adds cover for your own vehicle against accidents, theft, fire and other insured risks, subject to policy terms.
Al Sagr vs Methaq vs Fidelity United: third-party prices
All figures below are for a 2024 Nissan Altima valued at AED 83,000, verified in August 2026. Third-party cover is usually chosen on price, but liability limits, personal accident benefits and roadside support can make a real difference depending on how you use the car.
| Third-party comparison point | Al Sagr | Methaq | Fidelity United | How to read it |
| Basic premium | AED 900 | AED 750 | AED 1,055 | Starting premium before optional add-ons |
| Third-party bodily injury or death | Unlimited | Unlimited | Covered | Governed by the UAE legal and court framework |
| Third-party property damage | Up to AED 2,000,000 | Up to AED 2,000,000 | Up to AED 2,000,000 | Damage caused to another vehicle or property |
| National ambulance service | AED 6,770 per person | Included | Included | Useful in accident scenarios |
| Personal accident cover | Up to AED 200,000 | Optional, +AED 120 | Included | Financial support for driver injury or death |
| Passenger personal accident benefit | Included | Included | Included | Passenger compensation protection |
| Roadside assistance | Optional package, 24/7 | Optional, +AED 14 | Optional, Bronze/Gold/Premium | Breakdowns and towing |
| Oman extension | Optional add-on | Not highlighted | Not highlighted | Matters if you drive across the border |
| Takaful model | No | Yes | No | Relevant if you want Shariah-compliant cover |
Methaq is the cheapest of the three on headline premium, but Al Sagr is the only one of the three that publishes an unlimited bodily injury limit alongside a AED 200,000 personal accident benefit at no extra cost. Compare Al Sagr against Methaq car insurance and Fidelity United car insurance on the benefits you would actually claim, not just the number on the quote.
Al Sagr vs Methaq vs Fidelity United: comprehensive prices
All figures below are for the same 2024 Nissan Altima valued at AED 83,000, verified in August 2026. A lower comprehensive premium usually means a narrower add-on set or tighter repair conditions, so read the two together.
| Comprehensive comparison point | Al Sagr | Methaq | Fidelity United | How to read it |
| Basic premium | AED 2,800 | AED 1,667.62 | AED 1,600 | Compare cost before judging value |
| Vehicle value covered | AED 83,000 | AED 83,000 | AED 83,000 | Total-loss and theft valuation |
| Repair type | Workshop | Workshop | Workshop | Insurer-approved garage network |
| Own damage and loss | Included | Included | Included | Core comprehensive protection |
| Fire and theft | Included | Included via loss and damage cover | Included | Non-accident vehicle loss |
| Third-party property damage | Up to AED 2,000,000 | Up to AED 2,000,000 | Up to AED 2,000,000 | Damage caused to others |
| Third-party bodily injury | Unlimited | Unlimited | Included | Liability protection |
| Natural disaster cover | Optional add-on | Not highlighted | Included | Flood and storm damage |
| Windscreen cover | Optional add-on | Not highlighted | Included | Useful for a common claim type |
| Ambulance and medical transport | AED 6,770 per person | Up to AED 6,770 | Included | Emergency medical support |
| Emergency medical expenses | Up to AED 2,000, optional | Not highlighted | Not highlighted | Medical-impact protection |
| Personal accident cover | Up to AED 200,000 | Optional, +AED 120 | Optional, +AED 120 | Driver injury or death support |
| Passenger accident benefit | Included | Included | Optional via combined cover | Passenger protection |
| Personal belongings cover | Up to AED 2,000, optional | Not highlighted | Included | Eligible items inside the car |
| Replacement vehicle | Optional add-on | Optional | Optional | Courtesy car during repairs |
| Roadside assistance | Optional package, 24/7 | Optional, +AED 14 | Optional, Bronze/Gold/Premium | Everyday convenience benefit |
| Garage restriction | ASNIC-approved network | Insurer-approved workshops | Optional Dyna Trade upgrade | Important repair condition |
| Excess per accident | AED 700 | Varies | Varies | Out-of-pocket cost per claim |
| Takaful model | No | Yes | No | Relevant for Takaful preference |
Al Sagr, Methaq or Fidelity United: which should you choose?
On this comparison, Fidelity United is the best value for a standard comprehensive policy, Methaq is the cheapest third-party option and the only Takaful provider of the three, and Al Sagr is the strongest on liability and injury protection. Any honest Al Sagr car insurance review has to acknowledge that its comprehensive premium is the highest of the three — and that what you get for it is the widest liability cover and a personal accident benefit the other two charge extra for.
| Your priority | Choose |
| Lowest third-party premium | Methaq |
| Lowest comprehensive premium | Fidelity United |
| Shariah-compliant Takaful cover | Methaq |
| Unlimited bodily injury liability | Al Sagr or Methaq |
| Personal accident cover at no extra cost | Al Sagr |
| Widest range of built-in add-ons | Fidelity United |
| Regional driving into Oman or the GCC | Al Sagr |
| An established UAE insurer with a long track record | Al Sagr |
Al Sagr motor insurance benefits and add-ons
Al Sagr motor insurance combines a core cover set with a list of optional benefits you select at quote stage. Knowing which are included and which cost extra is the difference between an accurate quote and a surprise at claim time.
| Benefit | Included or optional | What it means |
| Third-party liability | Included | Unlimited bodily injury and up to AED 2,000,000 property damage caused to others |
| Own damage cover | Included on comprehensive | Protects the insured vehicle against covered loss or damage |
| Fire and theft | Included on comprehensive | Covers eligible fire or theft loss |
| Personal accident cover | Included | Up to AED 200,000 for driver injury or death |
| National ambulance service | Included | AED 6,770 per person after an accident |
| Driver and passenger protection | Optional | Extends accident benefits to everyone in the car |
| Emergency medical expenses | Optional | Up to AED 2,000 towards eligible emergency treatment |
| Windscreen cover | Optional | Repairs or replaces damaged glass — see the plan limits below |
| Natural hazards cover | Optional | Floods, storms and earthquakes, which the standard policy excludes |
| Personal belongings | Optional | Up to AED 2,000 for items lost through fire, theft or collision |
| Replacement vehicle | Optional | A courtesy car while the insured vehicle is being repaired |
| Roadside assistance | Optional package | 24 hours a day, 365 days a year — see the service list below |
| Oman extension | Optional | Extends cover into the Sultanate of Oman |
| Orange Card | Optional | Recognised motor cover across participating Arab states |
| Road risk cover | Optional | Additional protection for specified on-road risks |
| No-claims discount | Earned | Applied at renewal after a full claim-free year |
Windscreen cover limits by plan
Windscreen limits differ by plan, and the figure you are quoted depends on which one you buy. Confirm the limit on your own policy schedule before you rely on it.
| Plan | Windscreen limit |
|---|---|
| Standard comprehensive, as published by Al Sagr | Up to AED 2,000 |
| Motor Plus, as listed by brokers | Up to AED 4,000 with no excess |
Broken glass is one of the most frequently claimed items on a UAE motor policy, which is why windscreen cover is worth pricing rather than skipping.
Roadside assistance with Al Sagr
Yes, Al Sagr offers roadside assistance, available 24 hours a day, 365 days a year on the optional package. The toll-free number is 800 88726. The package covers accident towing, mechanical breakdown towing, battery assistance, flat tyre changes, lockout support and emergency fuel delivery.
Compare what is bundled against what is charged separately before you buy, because roadside assistance cover is priced very differently across UAE insurers.
Flood, storm and personal accident cover
Natural hazards are not part of the standard Al Sagr comprehensive wording — floods, storms and earthquakes sit in the optional benefits list. If you park outdoors or drive in the northern emirates during the rainy season, treat car flood insurance as a cost-of-ownership item rather than an upsell.
Al Sagr includes up to AED 200,000 of personal accident cover as standard, which is unusual — most UAE insurers charge for it as an add-on.
What is not covered under Al Sagr car insurance?
Like every UAE motor policy, Al Sagr cover carries exclusions. These apply regardless of plan type, and the final issued wording governs.
| Exclusion | What it means |
| Driving without a valid licence | Claims are rejected if the driver was not legally licensed to drive the vehicle |
| Driving under the influence | Alcohol and prohibited-substance incidents are excluded |
| Intentional damage | Deliberate damage is never covered |
| Racing or competitive use | Excluded unless specifically approved in writing |
| Unauthorised modifications | Modified vehicles need insurer approval before cover applies |
| Mechanical wear and tear | Routine deterioration is a maintenance cost, not an insured loss |
| Natural disasters without the add-on | Flood, storm and earthquake damage is excluded unless the optional cover was purchased |
| Incidents outside the covered area | Cover applies in the UAE unless an Oman or Orange Card extension is active |
| Own vehicle damage under third-party | A third-party policy never pays to repair your own car |
| Repairs started before claim approval | Unapproved repairs void the claim |
Al Sagr agency and workshop repair: the 3-year and 10-year rule
Al Sagr allows agency repair for up to 3 years from the vehicle's first registration date, and non-agency workshop repair for up to 10 years. This is the single most important condition to check before you buy, because it decides who touches your car after an accident.
| Vehicle age from first registration | Repair route | What it means in practice |
|---|---|---|
| 0–3 years | Agency repair available | Repairs at the manufacturer's authorised dealer, using original parts |
| 3–10 years | Approved workshop only | Repairs at an ASNIC-approved garage from the network below |
| Over 10 years | Subject to underwriting | Cover and repair terms are assessed case by case |
Repair routing always depends on claim approval and garage assignment. Never start a repair before the claim is authorised — unapproved work will not be reimbursed.
Al Sagr insurance garage list in the UAE
Al Sagr claims are routed through its approved workshop network. The garages below are ASNIC-approved locations across Dubai, Sharjah, Ajman and Fujairah.
| Garage name | Location | Phone number |
|---|---|---|
| Midtown Motors | Dubai – Al Quoz | 055 642 9011 |
| Autotrack Auto Service Centre | Dubai – Al Quoz 2 | +971 4 338 4007 |
| Splash Auto Repair | Dubai – Al Garhoud | +971 4 285 2877 |
| Frankfurt Auto Services | Dubai – Umm Ramool | +971 56 136 3688 |
| Kings of Cars | Dubai – Umm Ramool | +971 4 286 2020 |
| Domino Auto Services Centre | Dubai – Ras Al Khor | +971 50 508 4080 |
| Al Shallal Auto Services | Dubai – Al Rashidiya | +971 50 494 5790 |
| Kawkab Al Tariq (heavy vehicles) | Dubai – Al Qusais | +971 50 746 9310 |
| Al Asr Garage | Ajman – Al Jurf | +971 56 896 6060 |
| Al Bawaba Garage | Ajman – Al Jurf | +971 4 285 2111 |
| Al Wilaya Auto Maintenance | Sharjah – Industrial Area 2 | +971 50 646 5350 |
| Al Murasil Auto Maintenance | Sharjah – Industrial Area 2 | +971 6 543 1326 |
| Al Shaji Auto Repair | Fujairah – Al Hayl Industrial | +971 55 254 8660 |
The network changes, so check the current Al Sagr insurance garage list in the UAE before you drive to a workshop, and confirm the assigned location with the claims team first.
How to buy Al Sagr car insurance online through Lookinsure
Step 1
Get a quote
Visit Lookinsure and click the blue "Get Quote" button
Step 2
Choose "renew" or "brand new"
Pick the option that matches whether you are insuring a new car or renewing an existing policy
Step 3
Enter your car information
Enter the details manually, or let the chassis number fill them in for you
Step 4
Answer a few quick questions
Confirm your driving history, claims record and no-claims discount
Step 5
Choose your plan
Compare the available quotes side by side and select the cover that fits your car and budget
Step 6
Make payment
Pay in full by card, or split the premium into four payments with Tabby or Tamara
You can compare car insurance quotes online from Al Sagr and other UAE insurers in the same session, which is the fastest way to see whether the premium you have been offered is competitive.
How to renew Al Sagr car insurance online
Al Sagr car insurance renewal takes a few minutes through Lookinsure, and renewing early usually costs less than renewing on the expiry date.
Open Lookinsure and select "Get Quote"
Choose the "Renew" option
Adjust your cover:
Add or remove optional benefits
Update driver details
Apply your discounts, including the no-claims bonus and any early-renewal saving
Pay by card, Tabby or Tamara
Documents required to buy Al Sagr car insurance
Existing or used car
- Emirates ID
- Driving licence
- Vehicle registration (Mulkiya)
New car
- Emirates ID
- Driving licence
- Vehicle details or showroom quotation
Ownership transfer
Transfer-related documents where applicable
Requirements vary with vehicle status, underwriting checks and the plan you select.
Pay Al Sagr car insurance in installments
Eligible Al Sagr policies bought through Lookinsure can be split into four equal payments, with cover starting as soon as the first payment clears. The table below shows what each of the verified premiums on this page looks like in installments.
| Policy price | First payment today | Remaining payments |
| AED 900 (third-party, sedan) | AED 225 | 3 × AED 225 |
| AED 1,260 (third-party, large SUV) | AED 315 | 3 × AED 315 |
| AED 2,800 (comprehensive, Altima or Sunny) | AED 700 | 3 × AED 700 |
| AED 2,826 (comprehensive, Camry) | AED 706.50 | 3 × AED 706.50 |
| AED 4,065 (comprehensive, Patrol) | AED 1,016.25 | 3 × AED 1,016.25 |
| AED 4,941 (comprehensive, Land Cruiser) | AED 1,235.25 | 3 × AED 1,235.25 |
Both car insurance with Tabby and car insurance with Tamara are available at checkout. Approval depends on the payment provider's own eligibility checks.
How to make an Al Sagr insurance motor claim
Report the accident to the police first and obtain the official police report — no UAE motor claim proceeds without it. Then call Al Sagr on 04 702 8500, or 800 88726 if the car needs towing.
- Contact Al Sagr on 04 702 8500 or email [email protected].
- Submit the required claim documents:
- Copy of the police report
- Copy of the vehicle registration for both vehicles
- Copy of the driving licence for both drivers
- Copy of the Emirates ID, both sides
- The completed and signed Al Sagr motor claim form
- Once the claim is registered you receive a claim reference number and the assigned garage and repair location.
- The garage inspects the vehicle and prepares a repair estimate.
If repair costs are below 50% of the vehicle value, repairs proceed once approved. If they exceed 50%, the vehicle may be declared a total loss and settled against the agreed value. Where another driver was at fault, authorisation may require coordination with their insurer.
Repair duration depends on damage severity and parts availability; the assigned garage provides the timeline. Any applicable excess must be paid before the vehicle is released.
The steps and paperwork are the same across UAE insurers — this guide to how a car accident insurance claim works in the UAE covers the police-report stage in more detail.
Total loss claims
If repair costs exceed 50% of the insured vehicle value, the claim is treated as a total loss. Compensation is calculated against the agreed vehicle value and the policy conditions in force at the time of the accident, less any applicable excess.
Why Al Sagr claims get rejected
The most common reasons an Al Sagr insurance claim is declined are a missing or late police report, driving without a valid licence for the vehicle class, alcohol or substance involvement, repairs started before claim approval, undeclared vehicle modifications, and incidents outside the covered geographical area. Reporting promptly and waiting for authorisation removes most of this risk.
Replacement vehicle benefit
A replacement vehicle may be arranged where the benefit is shown on your policy schedule and the repair is expected to take more than 24 hours. Request it through the Al Sagr motor claims team when the claim is registered, not after the repair has begun.
Driving to Oman with Al Sagr car insurance
Al Sagr policies do not cover you in Oman by default. You need either the Oman extension or an Orange Card, both purchased as optional add-ons before you travel. The Orange Card is the recognised motor insurance document across participating Arab states and is what border officials ask for.
Arrange it before the trip, not at the border. Our guide to how to get an Orange Card for Oman covers the paperwork and the current cost.
Al Sagr insurance contact information
Which number to call depends on what you need.
| What you need | Contact |
|---|---|
| General customer care | 04 702 8500 · [email protected] |
| Motor claims | 04 702 8500 · [email protected] |
| Roadside assistance and towing | 800 88726, 24 hours a day |
| Head office | Al Sagr National Insurance Building, Diplomatic Area, Al Seef Road, Bur Dubai |
| Insurer website | www.alsagrins.ae |
Al Sagr insurance Dubai customers are served from the Bur Dubai head office, and the same cover is available across all seven emirates, including Abu Dhabi, Sharjah, Ajman and Al Ain. If your car is registered in the northern emirates, compare local pricing for car insurance in Sharjah as well, since the registration emirate affects the quote.
Contact details change over time. Verify them through the insurer's official channels before you rely on them.
Frequently asked questions
Al Sagr National Insurance Company, known as ASNIC, is a UAE general insurer founded in 1979 and headquartered in Bur Dubai. It writes third-party and comprehensive motor policies alongside other general insurance lines. It is a separate company from Al Sagr Cooperative Insurance, which operates in Saudi Arabia and shares only the name.
It depends on the car. With Al Sagr, a Nissan Altima, Sunny or Toyota Camry pays AED 900 for third-party cover, while a Nissan Patrol or Land Cruiser pays AED 1,260. Comprehensive ranges from AED 2,800 on an Altima to AED 4,941 on a Land Cruiser, verified August 2026.
Report the accident to the police and get the official report, then call Al Sagr on 04 702 8500 or email [email protected]. Submit the police report, both vehicle registrations, both driving licences, your Emirates ID and the signed claim form. You then receive a claim reference number and the assigned repair garage.
No. Repairs must go through an ASNIC-approved garage assigned to you when the claim is registered. Agency repair at the manufacturer's dealer is available for cars up to 3 years from first registration; approved workshop repair applies up to 10 years. Starting any repair before claim approval will void the claim.
Open Lookinsure, select "Get Quote", then choose "Renew". Adjust your optional benefits and driver details, apply your no-claims bonus and any early-renewal discount, and pay by card, Tabby or Tamara. Renewing before your policy expires normally costs less than renewing on or after the expiry date.
Policies bought through Lookinsure are available in your Lookinsure account, where you can view and download the policy document at any time. For a policy bought directly from the insurer, use the Al Sagr customer portal or call 04 702 8500 and quote your policy number to confirm the status and expiry date.
Roadside assistance is available on both third-party and comprehensive Al Sagr policies as an optional package, not as a standard inclusion. When active it runs 24 hours a day, 365 days a year on 800 88726, covering accident and breakdown towing, battery help, flat tyres, lockouts and fuel delivery.
Not by default. Al Sagr cover applies inside the UAE unless you buy the Oman extension or an Orange Card, both of which are optional add-ons priced at quote stage. The Orange Card is the document recognised across participating Arab states, so arrange it before you travel rather than at the border.
Experience of 45K+ Customers with Lookinsure
Abu Dhabi
Sharjah
Umm Al Quwin
Dubai