Tokio Marine Insurance
Flexible installments to pay later with
And
Regulated by the Government of Dubai
When it comes to protecting your vehicle, Tokio Marine Car Insurance Dubai stands out with its slogan: "Car Insurance built with you in mind." This reflects the company's commitment to offering policies that cater to individual needs, whether it's for third-party coverage or more comprehensive protection plans.
Tokio Marine Car Insurance Overview
Tokio Marine UAE, Dubai's premier car insurance provider, leverages 140+ years of global expertise to deliver unmatched automotive protection. Regulated by the UAE Central Bank, this AA-rated insurer (S&P Global) combines Japanese precision with localized solutions. Key advantages:
Digital Excellence: Purchase Tokio Marine Car Insurance in <3 minutes via LookInsure with Tabby/Tamara installment plans (4-12 payments).
Claim Leadership: 97% settlement rate with Dubai's fastest 4-hour minor claim approvals.
Financial Security: $47.2 billion global assets ensure guaranteed payouts for major incidents.
Regional Adaptation: Specialized coverage for UAE risks (sandstorms, flash floods, extreme heat).
Types of Car Insurance Plans Offered by Tokio Marine Insurance Company
Tokio Marine Car Insurance offers several car insurance plans to cater to different levels of coverage and customer needs.
1. Third-Party Liability Plan
(Mandatory UAE Minimum)
Coverage: Third-party bodily injury (unlimited) + property damage (court-determined sums).
Best For: Budget-conscious drivers seeking essential Tokio Marine Car Insurance protection.
Limitations: Excludes own-vehicle repairs or theft recovery.
2. Tokio MUST (Comprehensive)
(Full Protection)
Inclusions:
Accidents, theft, fire, and natural disasters
Third-party liability
Personal accident: AED 200,000 (driver)
Roadside assistance
Exclusives:
7-day courtesy car
400+ network garages
Tokio Marine Car Insurance loyalty rewards
3. Tokio Smart Plus
(Premium Tier)
| Feature | Advantage | Eligibility |
|---|---|---|
| New Car Replacement | Full value for total loss (≤2 years old) | Vehicles <AED 500K |
| Depreciation Waiver | Zero deduction for parts wear | Comprehensive claims |
| OEM Repairs | Manufacturer-certified facilities | Luxury/EV vehicles |
| Extended Courtesy Car | 14-day Mercedes E-Class equivalent | Repair periods >48hrs |
Benefits of Tokio Marine Car Insurance in UAE
Tokio Marine Car Insurance Dubai stands out for its impressive array of benefits, designed to make life easier for its policyholders. Here are some of the key benefits you can enjoy when you choose Tokio Marine:
| Benefit | Details |
|---|---|
| AAA Roadside Assistance | 24/7 roadside assistance ensures you’re never stranded due to a breakdown or accident, offering peace of mind during long commutes or unexpected situations. |
| Garage Locator | Convenient service to locate authorized garages for quick and efficient repairs, minimizing delays in getting your vehicle back on the road. |
| Policy Amendment Procedure | Hassle-free process to make changes to your insurance policy, providing flexibility to adjust coverage as your needs change. |
| Policy Wording References | Clear and concise policy details to help customers understand their coverage and inclusions, ensuring transparency. |
| Courtesy Car | Access to a courtesy car during repairs, ensuring minimal disruption to your daily life in the event of an accident. |
| Self-Authorization Repairs | Allows minor repairs to be authorized directly by the customer, speeding up the repair process without extensive claims procedures. |
| Safe Driver Discounts | Rewards safe drivers with premium discounts, offering reduced rates for a good driving record and no claims. |
| Loyalty Rewards | Long-term customers benefit from loyalty bonuses and perks, encouraging extended partnerships with Tokio Marine. |
| Superfast Claims Service | Efficient claims process to ensure quick resolution and minimal hassle, helping you get back on the road promptly. |
What Is Covered Under Tokio Marine Motor Insurance Plans?
Smart Plus Coverage Includes:
Collision Damage: Repairs at agency facilities (BMW, Mercedes, Audi).
Natural Disasters: Sandstorm engine damage, flood-related electronics failure.
Theft Recovery: Full vehicle replacement + forensic investigation support.
Medical Protection: AED 300,000 for driver/passenger injuries.
Legal Liability: Unlimited third-party bodily injury coverage.
Third-Party Plan Essentials:
Third-party property damage (up to AED 3.5 million).
Emergency medical transport.
Add-ons for Tokio Marine Car Insurance Plans
| Add-On | Coverage | Annual Cost (AED) | Best For |
|---|---|---|---|
| Desert Pro | Dune recovery, undercarriage damage | 550 | 4x4/SUV owners |
| EV Shield | Battery degradation (8 years), charger protection | 1,300 | Tesla/Lucid drivers |
| Glass VIP | Zero excess for windshield damage | 220 | Highway commuters |
| Luxury Loaner | Porsche/Audi courtesy vehicles | 750 | Premium car owners |
| GCC Explorer | 45-day Oman/KSA/Qatar coverage | 400 | Frequent travelers |
What Is Not Covered Under Tokio Marine Car Insurance Plans?
Risks:
Competitive racing or timed events.
Mechanical/electrical failures unrelated to collisions.
Intentional vehicle damage.
Locations:
Off-road incidents without Desert Pro add-on.
Damages outside UAE without GCC Explorer.
Conduct Violations:
Driving under influence (blood alcohol >0.00%).
Unlicensed drivers or expired registration.
Documents Required to Buy Tokio Marine Car Insurance in Dubai, UAE
To purchase or renew Tokio Marine car insurance, you’ll need to provide several documents. These typically include:
Mandatory:
Emirates ID (front/back scanned copy).
Valid UAE driving license.
Vehicle registration card (Mulkiya).
Condition-Specific:
Luxury vehicles: Original purchase invoice.
EVs: Battery health report.
Commercial fleets: Trade license copy.
How to File Your Tokio Marine Car Insurance Claim
If you’ve been involved in an accident or need to file a claim, Tokio Marine’s claims process is designed to be as simple as possible.
4-Step Efficient Process:
Immediate Notification:
Call Tokio Marine: 800 4010 or use LookInsure Claims Portal.
Digital Documentation:
Upload police report + 360° damage video via Tokio app.
AI Damage Assessment:
Receive repair estimate within 15 minutes.
Garage Authorization:
Choose from 200+ network garages with live tracking.
Documents Required to Claim Tokio Marine Car Insurance in UAE
Core Documents:
Police report number.
Emirates ID + driver’s license copies.
Vehicle registration card.
Situation-Specific:
Claim Type Additional Requirements Major Accident Repair estimates + witness contacts Theft FIR report + original keys Natural Disaster NCM weather bulletin + garage assessment Luxury Vehicle Showroom purchase invoice
How to Renew Car Insurance Online With Tokio Marine Car Insurance?
Access Portal: Visit LookInsure.
Apply Discounts:
30% loyalty reward (5+ claim-free years).
15% safe driver bonus (app score >95).
Adjust Coverage:
Add/remove add-ons (e.g., EV Shield).
Update driver details.
Secure Payment:
Tabby installments (4 interest-free payments).
Credit/debit card (Visa/Mastercard).
Grace Period: 30 days post-expiry.
Why Buy Tokio Marine Car Insurance Dubai?
Choosing Tokio Marine Nichido Car Insurance as your auto insurance provider in Dubai means opting for a company with a deep understanding of the region’s needs. They offer various plans that cater to different requirements, from basic third-party coverage to more advanced options with extra perks. Here's why Tokio Marine stands out:
Experience and Trust
With years of experience in the insurance sector, Tokio Marine has built a reputation for reliability. The company’s extensive history shows that it understands the market, and its customer service is tailored to provide fast, efficient solutions when needed.
Comprehensive Coverage Options
Tokio Marine offers a wide range of car insurance plans, ensuring that every customer finds a plan that fits their needs and budget. Whether you’re looking for basic liability insurance or full coverage with added benefits, they have an option for you.
Range & Variety
At Lookinsure, we work with different insurers to have something for everyone. Plus, this makes it much easier for you to go through insurers and compare quotes.
Excellent Customer Care
Whatever issue or question you face, you can easily rely on the customer support experts to solve it for you!
Frequently Asked Questions
Smart Plus Plan: Manufacturer-certified repairs at agencies like Al-Futtaim Honda.
OEM Parts Guarantee: Genuine components with lifetime warranty.
Courtesy Vehicle: Porsche Panamera/Audi A7 (with Luxury Loaner add-on).
Tabby Partnership: 4 interest-free installments for Tokio Marine Car Insurance.
Tamara Option: 6-month plans (0% interest for first 3 months).
45% total savings:
30% loyalty discount (5 claim-free years).
15% telematics bonus (app score >95).
With the EV Shield Add-on (AED 1,300/year):
70% capacity guarantee for 8 years.
Charging station damage protection.
20% discount for Tesla Model S/3/X/Y.
With Desert Pro: 24-hour approval for dune recovery.
Standard Plans: 72 hours (requires terrain verification).