RAK Car Insurance
Flexible installments to pay later with
And
Regulated by the Government of Dubai
RAK Insurance Company is a leading company in the UAE offering “Simply Better”, competitive car insurance services focused on ease of access. The company’s main priority is streamlining the compensation process for quality repairs. With a strong presence in Dubai, RAK is committed to providing top-notch insurance solutions tailored to meet the diverse needs of its clients.
RAK Car Insurance Overview
RAK Insurance Company (PSC), established in 1974 and regulated by the Dubai government, delivers "Simply Better" RAK car insurance solutions across the UAE. With 50+ years of market expertise, it combines international risk management standards (ISO-certified ORSA framework) with hyper-localized UAE coverage. Key highlights:
Digital-First Experience: Buy RAK car insurance online/renew policies in 2 minutes via LookInsure with Tabby/Tamara installments.
Award-Winning Claims: 24/7 roadside assistance + 4-hour minor claim approvals.
Financial Strength: A.M. Best-rated "B++" (Good) with 97% claim settlement rate.
Types of Car Insurance Plans Offered by RAK Insurance Company
1. RAK Comprehensive Gold Plan
Coverage: Own-damage, theft, third-party liability (unlimited injury/AED 3.5M property), natural disasters.
Exclusives: Agency repairs (25-month warranty), personal accident (AED 50,000), personal belongings (AED 5,000).
2. RAK Third-Party Liability
Coverage: UAE legal minimum - third-party injury/property damage (AED 3.5M cap).
Add-Ons: Emergency medical (AED 5,000).
3. RAK Silver Plan
Mid-tier option with reduced limits vs. Gold Plan.
| Feature | Gold Plan | Third-Party |
|---|---|---|
| Agency Repairs | ✅ 25-month warranty | ❌ |
| Natural Disaster Cover | ✅ | ❌ |
| Personal Accident | AED 50,000 | Optional |
Benefits of RAK Car Insurance in UAE
“Simply Better” is not just a slogan for RAK Vehicle Insurance; it can be observed in their services and customer care aspects.
Benefit | Description |
Comprehensive Coverage | Covers damage to and theft of your vehicle, and third-party liability for property damage and bodily injury or death. |
Personal Accident Cover | Provides financial protection for the driver and passengers in case of accidents, covering medical expenses and compensation for injuries. |
Roadside Assistance | 24/7 support for breakdowns, flat tires, battery issues, and other roadside emergencies. |
Agency Repairs | Ensures repairs are carried out at authorized dealerships, maintaining the quality and warranty of repairs. |
Natural Disaster and Fire Coverage | Covers damage caused by natural disasters such as Flood Car Insurance, storms, and earthquakes, as well as fire. |
Flexible Payment Options | Offers flexible premium payment options available for 3, 6, 9, or 12 months. |
Customizable Plans | Options to customize your policy with additional benefits to suit your specific needs. |
Competitive Rates | Provides comprehensive car insurance policies at reasonable prices, ensuring value for money. |
Extended Coverage Tenure | Enjoy the benefits of the comprehensive plan for up to 15 years. |
What Is Covered Under RAK Motor Insurance Plans?
RAK Car Insurance Gold Plan Includes:
Accidents, theft, fire, floods, sandstorms.
Third-party property damage (AED 3.5M).
Personal injury (driver/passengers).
Rental car during repairs (add-on).
RAK Motor Insurance Third-Party Covers:
Third-party bodily injury (unlimited).
Property damage (AED 3.5M).
Add-ons for RAK Car Insurance Plans
| Add-On | Coverage | Cost (AED/year) |
|---|---|---|
| Off-Road Pack | Dune recovery, undercarriage damage | 350 |
| Elite Rental | 21-day replacement vehicle | 600 |
| Windscreen Waiver | Zero excess for glass damage | 150 |
| Key Replacement | Smart key reprogramming | 280 |
What Is Not Covered Under RAK Car Insurance Plans?
Intentional vehicle damage.
Racing/competitions.
Unapproved modifications.
Mechanical wear-and-tear.
Out-of-UAE incidents (unless the GCC add-on is purchased).
Documents Required to Buy RAK Car Insurance in Dubai, UAE
You can easily upload your insurance documents on Lookinsure. To apply for RAK car insurance, you’ll need to submit the following documents:
Copy of Vehicle Registration
Ensure you have a copy of your vehicle’s registration document.
Copy of Driving License
Provide a copy of your valid driving license.
Copy of Passport with Valid Visa Page
A copy of your passport along with the page showing your valid visa.
Vehicle Quotation Copy/LPO (for brand new automobiles)
If you’re insuring a brand-new vehicle, include a copy of the vehicle quotation or Local Purchase Order (LPO)
How to File RAK Car Insurance Claims ?
Filing an RAK Insurance claim on Lookinsure is easy. Follow the step-by-step guide on the Lookinsure website to submit your claim and track its progress.
Report the Incident to the Police:
Immediately go to the nearest police station and obtain a police report. This is a crucial document required to initiate your RAK car insurance claim process.
Notify RAK Insurance:
File the claim on Lookinsure, our representatives will immediately contact Rak Motor Insurance to inform them about the incident.
Register Your Claim:
Lookinsure will take over the claim process if you file it through our website, However, you can register your claim through the RAK Insurance online customer portal or mobile. Complete the required information and attach the police report.
Documents Required to Claim RAK Car Insurance in UAE
Police report reference number.
Driver’s Emirates ID + license.
Vehicle registration card.
Repair estimates.
Theft Cases: Original keys + FIR report.
How to Renew Car Insurance Online With RAK Car Insurance?
Renewing RAK motor insurance is one of the main points of concern for customers. If you forget to renew the plan promptly, you could end up uninsured and exposed to fines. Using our online service, the process is simplified.
Online Renewal
RAK car insurance renewal online is quick and convenient. Log in to your account on the Lookinsure website, select the renewal option, and follow the prompts to complete the process.
Timely Reminders
Lookinsure sends timely reminders to ensure you never miss your renewal date.
Why Buy RAK Car Insurance Policy in UAE?
"Simply Better" Efficiency: 2-minute online purchases via LookInsure.
Proven Reliability: 97% claim settlement rate since 1974.
UAE-Tailored Protection: Sandstorm/flood coverage + agency repairs.
Cost Transparency: No hidden fees; competitive premiums.
Multi-Award Winner: 2023 UAE Insurance Innovation Award.
Frequently Asked Questions
Agency Repairs: Up to 5 years of manufacturer-certified repairs at 400+ network garages (vs. industry standard 3 years).
Natural Disaster Coverage: Includes sandstorms, floods, and fires (exclusive to Gold Plan).
Third-Party Liability: Highest in UAE – AED 3.5M property damage coverage.
Tabby/Tamara Partnerships:
Tabby: 4 interest-free installments.
Tamara: 6–12-month plans (0% interest for 6 months).
Exclusive to policies bought via LookInsure.
Minor Claims: 4-hour approval for damages under AED 15,000 via AI assessment.
Major Repairs: 24-hour garage authorization + real-time repair tracking.
Theft Cases: 5–7 days (requires police FIR + original keys).
Only with Off-Road Pack (AED 350/year):
Winching from inaccessible areas.
Undercarriage damage protection.
Exclusions: Competitive events or unmarked terrains
Up to 50% after 5 claim-free years (Gold Plan).
Telematics Bonus: Additional 15% for safe driving scores >95 via app,