Tokio Marine Car Insurance UAE: Compare Prices & Buy Online
Flexible installments to pay later with
And
Regulated by the Government of Dubai
Tokio Marine offers comprehensive and third-party motor insurance solutions for drivers across the UAE. Through Lookinsure, you can compare Tokio Marine quotes online, review coverage benefits against other insurers, choose the right plan for your vehicle, and complete your purchase online in minutes. Tokio Marine stands out with AED 200,000 driver and passenger accident cover on TPL policies, plus 24/7 roadside assistance.
Tokio Marine Car Insurance Overview
Tokio Marine (Tokio Marine & Nichido Fire Insurance Co., Ltd.) is a globally respected insurer with a strong presence in the UAE market. Tokio Marine offers comprehensive and third-party coverage with a focus on driver and passenger protection, competitive pricing, and practical benefits like 24/7 roadside assistance and ambulance coverage.
Is Tokio Marine Car Insurance Right for You?
Tokio Marine may be a strong fit for drivers who want competitive pricing without sacrificing driver and passenger protection, plus practical benefits like 24/7 roadside assistance and ambulance cover.
Tokio Marine may be a good fit if you want… | Why |
|---|---|
AED 200,000 driver accident cover | Included in TPL — higher than many competitors |
AED 200,000 passenger accident cover | Included in TPL — protects your family |
24/7 roadside assistance | Included in TPL and comprehensive |
Ambulance coverage | Included in both plans |
Competitive TPL pricing | From AED 898 for Toyota Corolla |
Car rental while your car is repaired | Up to 15-20 days in comprehensive |
Loyalty discount for renewing | Save money by staying with Tokio Marine |
Internationally backed insurer | Tokio Marine Group — global expertise |
Workshop repairs | Approved garage network |
Tokio Marine is frequently compared by UAE drivers looking for TPL policies that actually protect the driver and passengers, not just third parties. With AED 200,000 cover for the people inside your car, Tokio Marine offers genuine value at competitive prices.
Tokio Marine TPL vs Comprehensive 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 | Tokio Must (Comprehensive) | Third Party | Tokio Smart Plus |
|---|---|---|---|
Loss or Damage to the Insured Vehicle | Included | Not Included | Included |
Fire & Theft Cover | Included | Not Included | Included |
Storm, Flood, Riot, Strike and Civil Commotion | Included | Not Included | Included |
Third Party Liability | Included | Included | Included |
Third Party Bodily Injury | Unlimited | Unlimited | Unlimited |
Third Party Property Damage | AED 2 Million | AED 2 Million | AED 3.5 Million |
Third Party Liability to Family Members | Included | Optional | Included |
Emergency Medical Expenses | AED 3,000 | Not Included | AED 4,000 |
Free Personal Injury Cover | AED 10,000 | Not Included | AED 15,000 |
Loss of Personal Effects | AED 2,500 | Not Included | AED 3,500 |
Loss of Use (Rental) | 10 Days | If not at fault | Optional (10-15 Days) |
Loss of Use Max/Day | Up to AED 100 | Up to AED 300 | Up to AED 100 |
24-Hour Accident & Breakdown Recovery | Included | Not Included | Included |
Taxi Fare (Vehicle Not Roadworthy) | Up to AED 200 | Not Included | Up to AED 350 |
No Claim Discount | Included | Included | Included |
National Ambulance Cover | AED 6,770 | AED 6,770 | AED 6,770 |
Windshield Damage Excess Waiver | Waived Once | Not Included | Waived Once |
Self Authorization Repairs | AED 1,000 | Not Included | AED 2,000 |
Free Agency Repair | Not Included | Not Included | 3 Years |
New Car Replacement | 6 Months | Not Included | 6 Months |
Oman Cover | Included (Own Damage Only) | Not Included | Included (Own Damage Only) |
Off-Road Cover | Included (4WD Only) | Not Included | Included (4WD Only) |
Personal Accident Cover for Driver | Included | Optional | Included |
Personal Accident Cover for Passengers | Included | Optional | Included |
NOTE: Prices are for a 2021 Toyota Corolla valued at AED 43,000. Actual premiums vary by vehicle.
Tokio Marine vs RAK vs DNI: Third-Party Insurance Comparison
Third-party insurance is often chosen by drivers looking for the lowest practical legal cover. Tokio Marine offers a compelling middle ground; slightly higher premium than DNI but with significantly better driver and passenger accident cover.
TPL Comparison Point | Tokio Marine | RAK Insurance | DNI | How to Interpret It |
|---|---|---|---|---|
Basic Premium (Toyota Corolla) | AED 898 | AED 1,019.62 | AED 728 | Starting price — DNI lowest, Tokio Marine middle |
Third-Party Bodily Injury or Death | Covered | Unlimited liability | Unlimited | Core legal liability protection |
Third-Party Property Damage | Covered | Up to AED 2,000,000 | Up to AED 2,000,000 | Important for damage to another vehicle/property |
Driver Accident Cover | AED 200,000 | Optional add-on | Included | Driver injury/death protection — Tokio Marine leads |
Passenger Accident Cover | AED 200,000 | Optional add-on | Not specified in base plan | Passenger protection — Tokio Marine leads |
Ambulance Services | Included | Up to AED 6,770 per person | Not specified | Post-accident emergency support |
Roadside Assistance | Included (24/7) | Included (24/7 UAE + Oman) | Not included in base TPL | Practical everyday breakdown support |
Oman Extension / Orange Card | Own damage only | Optional annual Orange Card | Not specified | Important for Oman travel |
Loyalty Discount | Included | Not specified | Not specified | Saving on renewal |
Nationwide UAE Coverage | Included | Included | Included | Standard UAE territorial coverage |
NOTE: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
Tokio Marine vs RAK vs DNI: Comprehensive Insurance Comparison
Comprehensive insurance should be compared based on total protection, not only premium price.
Comprehensive Comparison Point | Tokio Marine | RAK Insurance | DNI | How to Interpret It |
|---|---|---|---|---|
Basic Premium (Toyota Corolla) | AED 2,538 | AED 1,829.25 | AED 1,700 | Base comprehensive price — Tokio Marine highest |
Declared Vehicle Value | AED 36,962 | AED 36,585 | AED 36,962 | Total-loss/theft settlement basis |
Repair Type | Workshop | Workshop | Workshop | Approved-network garage coverage |
Own Damage Cover | Included | Included | Included | Core comprehensive protection |
Fire & Theft Cover | Included | Included | Included under own damage | Protection against non-collision loss |
Third-Party Bodily Injury or Death | Covered | Unlimited liability | Unlimited | Liability to others |
Third-Party Property Damage | Covered | Up to AED 3,500,000 | Up to AED 2,000,000 | Important for expensive third-party claims |
Driver Accident Cover | AED 200,000 | Included (AED 50,000) | Optional (+premium) | Driver injury/death protection — Tokio Marine strong |
Passenger Accident Cover | AED 200,000 | Included | Optional (+premium) | Passenger protection — Tokio Marine strong |
Ambulance Services | Included | Up to AED 6,770 per person | Up to AED 6,770 | Emergency transportation support |
Roadside Assistance | Included (24/7) | Included UAE + Oman (24/7) | Gold Card (IMC) | Breakdown and towing support |
Replacement Vehicle | Included (15-20 days) | Optional hire car benefit | Optional (+AED 250 for 10 days) | Important during repair downtime — Tokio Marine leads |
Windscreen Cover | Available (varies by plan) | Unlimited | Up to AED 2,000 | Common practical damage benefit |
Off-Road Cover | Included for 4WD (excl. safari) | Included for 4x4 vehicles | Included for 4WD (AED 5,000 excess) | Relevant for SUVs/4x4s |
Oman Cover | Own damage only (Orange Card separate) | GCC own-damage cover (with Orange Card) | UAE & Oman own damage included | Important for cross-border driving |
No Claim Discount | Included | 5% on renewal | Standard | Rewards claim-free driving |
Young Driver Excess | Applies (under 25) | Not specified | +10% (under 25) | Important for young drivers |
Loyalty Discount | Included | Not specified | Not specified | Saving on renewal |
NOTE: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
Which Insurer Should You Choose?
Your Priority | What to Check | Likely Direction |
|---|---|---|
Lowest TPL premium | Basic premium | DNI (AED 728) |
Best TPL driver/passenger cover | Accident cover limits | Tokio Marine (AED 200,000 each) |
Lowest comprehensive premium | Base price | DNI (AED 1,700) or RAK (AED 1,829) |
Best comprehensive driver/passenger cover | Accident cover limits | Tokio Marine (AED 200,000 each) |
Car rental benefit | Days and coverage | Tokio Marine (15-20 days included) |
Off-road driving | Off-road cover inclusion | RAK or DNI |
UAE & Oman driving | Geographical extension | DNI (included) or RAK (with Orange Card) |
Roadside assistance quality | Coverage level | All three strong |
Young driver (under 25) | Extra charges apply | All apply — check terms |
Loyalty/renewal discount | Saving on renewal | Tokio Marine (loyalty discount) |
Maximum feature depth | Total included benefits | RAK |
Competitive pricing with strong protection | Price vs benefits | Tokio Marine (especially TPL) |
If your priority is strong driver and passenger accident cover (AED 200,000 each) at a competitive price (especially for TPL) Tokio Marine is the clear winner. For the absolute lowest TPL premium, choose DNI. For maximum feature depth, choose RAK. For comprehensive with car rental included, Tokio Marine offers strong value.
Tokio Marine Car Insurance Benefits and Add-ons
Benefit / Add-on | What It Means | Availability |
|---|---|---|
Driver Accident Cover | Financial protection for the driver — AED 200,000 | TPL & Comprehensive |
Passenger Accident Cover | Covers passengers injured in an accident — AED 200,000 | TPL & Comprehensive |
Third-Party Liability | Covers injury, death, or property damage caused to others | TPL & Comprehensive |
Own Damage Cover | Covers damage to the insured vehicle | Comprehensive only |
24/7 Roadside Assistance | Emergency towing, battery boost, flat tire, lockout, petrol delivery | TPL & Comprehensive |
Ambulance Coverage | National ambulance service coverage | TPL & Comprehensive |
Car Rental | Rental vehicle while car is being repaired (15-20 days) | Comprehensive |
Workshop Repair | Repairs through approved insurer-network garages | Comprehensive |
No Claim Discount | Discount on renewal for claim-free years | Comprehensive |
Loyalty Discount | Discount for staying with Tokio Marine year after year | TPL & Comprehensive |
Off-Road Cover | Covers damage while driving off-road — 4WD only (excl. safari) | Comprehensive (4WD) |
Oman Cover | Own damage cover for driving in Oman (Orange Card separate) | Comprehensive |
Fire & Theft Cover | Protection against vehicle theft or fire damage | Comprehensive |
Storm, Flood, Riot, Strike Cover | Extended coverage for natural disasters and civil unrest | Comprehensive |
Young Driver Extra Charge | Higher premium/deductible for drivers under 25 | TPL & Comprehensive |
Nationwide UAE Coverage | Insurance protection across all UAE emirates | TPL & Comprehensive |
What Is Not Covered Under Tokio Marine Car Insurance?
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 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 cover is added (own damage only) |
Natural disasters (TPL policies) | Third-party policies may 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) | Off-road damage is only covered for eligible 4WD vehicles (excludes safari activities) |
Safari activities | Off-road cover excludes safari, competitions, or events |
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 |
Valet parking theft | Not covered under Tokio Marine policies |
Additional Tokio Marine-Specific Conditions
- Young Driver Excess: Additional charge applies for drivers under age 25
- TP Insurer Inspection: If repair estimate exceeds AED 5,000, TP insurer may take up to 3 working days to inspect vehicle (per IA guidelines)
- No Claim Discount: Maintained if no claims made during policy period
How to Buy Tokio Marine Car Insurance Through Lookinsure
Tokio Marine offers a loyalty discount for customers who stay year after year. Comprehensive policyholders may also be eligible for No Claim Discount.
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.
Update driver details.
Secure Payment:
Tabby/Tamara installments (4 interest-free payments).
Credit/debit card (Visa/Mastercard).
Grace Period: 30 days post-expiry.
Documents Required to Buy Tokio Marine Car Insurance
- Emirates ID
- Driving license
- Vehicle registration card (mulkiya)
- Emirates ID
- Driving license
- Invoice from dealer
- Vehicle specifications
- Emirates ID
- Driving license
- New registration card
- Previous insurance details (if any)
Pay Tokio Marine Insurance in Installments
Through Lookinsure drivers can now buy car insurance with Tamara or Tabby and split their payments into 4 interest-free installments. With this method of payment, your policy is activated right after the first payment.
Here's an example of payments for a 2021 Corolla:
Policy Type | Total Premium (estimate) | Example First Payment (4 Installments) | Remaining Payments |
|---|---|---|---|
Tokio Marine Third-Party Insurance | AED 898 | Approx. AED 224.50 | 3 payments of approx. AED 224.50 |
Tokio Marine Comprehensive Insurance | AED 2,538 | Approx. AED 634.50 | 3 payments of approx. AED 634.50 |
Installment availability depends on provider approval and checkout eligibility. Actual premiums vary by vehicle, driver history, and selected add-ons.
How Tokio Marine Car Insurance Claims Work
Tokio Marine allows drivers to start the claims process by filling out a simple form on their website or by calling the claims helpline at 600 50 30 30 (Sunday to Thursday, 8am to 8pm).
Important Claim Note: As per UAE Insurance Authority guidelines, Tokio Marine is required to notify the loss to the Third Party's insurance carrier if the estimated repair cost exceeds AED 5,000. This typically takes three working days for the TP's insurer to inspect the vehicle and agree on repair costs with the repairer.
Documents Required for a Tokio Marine Insurance Claim
- Original police report: Required for accident verification (mandatory)
- Copy of driving license: Confirms driver eligibility
- Copy of registration card (Mulkiya): Verifies vehicle ownership and registration
Tokio Marine Repair Network
Repair Type | Eligibility | Key Features |
|---|---|---|
Workshop Repair | Tokio Marine comprehensive policy | Repairs through approved insurer-network garages |
Agency Repair | Available on some plans (up to 3 years from first registration) | Check policy schedule for availability |
Common Questions About Tokio Marine Claims
Tokio Marine Car Insurance Garage List In UAE
Insurance car repair garages in UAE supported by Tokio Marine Car Insurance, making their Dubai insurance garage list particularly useful for residents:
| Garage Name | Address | Phone Number |
| AG CARS Services LLC | Opposite Hamrain Centre, Behind Commercial Bank of Dubai – 8 8th St – Dubai | +971600540045 |
| Al Kayed Workshop | 128 2 A St – Al Khabaisi – Dubai | +971 4 269 3333 |
| Al Sahari Garage | 9 7A Street – Umm Ramool – Dubai | +971 4 285 2989 |
| Auto Deal Automotives Services | 4 16 St – Umm Ramool – Dubai | +971 52 888 8184 |
| United Motors | 6 15th St – Umm Ramool – Dubai | +971 4 286 1618 |
| Platinum Motor Cars Repairing | 7CV2+7R4 – Al Qusais Industrial Area – Dubai – United Arab Emirates | +971 4 267 6577 |
| Golden Workshop | 44, 9 Street, Umm Ramool, Rashidiya – Dubai – United Arab Emirates | +971 4 285 8346 |
| A.R Garage | Umm Ramool – Dubai – United Arab Emirates | +971 4 285 8530 |
| Top Gear Services | Umm Ramool – Dubai – United Arab Emirates | +971 4 285 3399 |
| Auto Tech Automotives | Ras Al Khor Industrial Area – Dubai – United Arab Emirates | +971 4 320 5551 / +971 50 776 6874 |
| Vertex Auto Service Center LLC | 27 23 St – Ras Al Khor Industrial Area – Ras Al Khor Industrial Area 2 – Dubai – United Arab Emirates | +971 4 327 2925 / +971 800 2276669 |
| Perfect Shine Auto Care Center | Al Qouz Ind.fourth – Al Quoz – Dubai – United Arab Emirates | +971 4 340 2524 |
| Euro Gulf Garage | Dubai Al Quoz Industrial Area 3, 8 – opposite Cylingas القوزالقوز 3 – Dubai – United Arab Emirates | +971 4 506 3110 / +971800364 |
| Al Emad Auto Workshop LLC | Al Quoz Industrial Area – Dubai – United Arab Emirates | +971 56 507 6015 |
| Aarya Auto Repairs (Al Quoz branch) | 27/2 10th St – Al Qouz Ind.fourth – Al Quoz – Dubai – United Arab Emirates | +971 4 341 7728 |
| Star Square Deal Motors | 19 D Street, Opposite Dubai Driving center Gate 2, Al Quoz Ind Area 3, Dubai, United Arab Emirates, PO Box – Dubai – United Arab Emirates | +971 4 330 0612 |
| Liwa Automobile Services | 22nd St – Al Qouz Ind.second – Al Quoz – Dubai – United Arab Emirates | +971 4 321 2345 |
| Axis Auto Garage | 36 – 3 20C Street – Al Qouz Ind.third – Al Quoz – Dubai – United Arab Emirates | +971 4 336 4441 |
| North Star Auto Maint. Center | 8CM6+J6V – Industrial Area 4 – Industrial Area – Sharjah | +971 6 532 1199 |
| Bin Sandal Mechanical Station | 8JRV+Q8W – Al Sajaah – Emirates Industrial City – Dubai | +971 6 533 4247 |
| Samrah Auto Repairing Workshop | Al Sandal St – Industrial Area 12 – Industrial Area – Sharjah | +971 6 533 9805 |
| Al Deema Auto Maintenance Workshop | Industrial Area – Sharjah – United Arab Emirates | +971 56 637 9595 |
| Al Arabia Auto Maintenance | Industrial Area – Sharjah – United Arab Emirates | +971 6 574 1422 |
| Aarya Auto Repair Body Shop | Musaffah – M-40 – Abu Dhabi | +971 2 551 2175 |
| Amigo Automotive Service LLC | Plot No- 71 – Musaffah – M13 – Abu Dhabi – United Arab Emirates | +971 2 555 4589 |
| Elite Motors Workshop LLC | Musaffah Industrial Area – Abu Dhabi – United Arab Emirates | +971 2 554 5433 / +971 2 550 1080 |
| Exotic Auto Services LLC | Musaffah Industrial Area – Abu Dhabi – United Arab Emirates | +971 2 555 5563 / +971 58 609 5249 |
| World Link Auto Centre | Al Ain Industrial Area – Al Ain – United Arab Emirates | +971 3 761 0989 |
| Paradise Autocare Center | Al Ain Industrial Area – Al Ain – United Arab Emirates | +971 3 722 9016 / +971588977629 |
| RAK Arabia Auto Services | Ras Al Khaimah Industrial Area – Ras Al Khaimah – United Arab Emirates | +971 7 227 5197 |
| Al Shaji Auto Repair Workshop (Fujairah branch) | Al Hail Industrial – Fujairah – United Arab Emirates | +971 9 238 4937 / +971 55 254 8660 |
| Emirates Transport (Fujairah) | Fujairah Industrial Area – Fujairah – United Arab Emirates | +971 9 202 9119 |
| Amari Cars Maintenance | Al Rashidiya 1 – Ajman – United Arab Emirates | +971 50 524 2535 |
Tokio Marine Insurance Contact Information
Frequently Asked Questions
Yes. You can compare Tokio Marine insurance quotes through Lookinsure, upload documents, and complete your purchase online.
Tokio Marine TPL includes AED 200,000 driver accident cover — higher than many competitor TPL policies.
Yes. 24/7 roadside assistance is included in both TPL and comprehensive policies (towing, battery boost, flat tyre, lockout, petrol delivery).
Yes — own damage cover only. The Orange Card for third-party liability must be purchased separately at the Oman border.
Call 600 50 30 30 (Sunday-Thursday, 8am-8pm) or file an online form. You will need the original police report, driving license copy, and registration card copy.
