RAK Car Insurance UAE: Compare Prices & Buy Online
Flexible installments to pay later with
And
Regulated by the Government of Dubai
RAK Insurance offers comprehensive and third-party motor insurance solutions for drivers across the UAE. Through Lookinsure, you can compare RAK quotes online, review coverage benefits against other insurers, choose the right plan for your vehicle, and complete your purchase online in minutes. RAK stands out with unlimited third-party liability, agency repairs up to 25 months, and a free 13th month of insurance on renewal.
RAK Car Insurance Overview
Should You Buy RAK Car Insurance?
RAK Insurance may be a strong fit for drivers who want high coverage limits, agency repair options, and unique benefits like off-road cover or a free 13th month of insurance.
RAK may be a good fit if you want… | Why |
Unlimited third-party liability | Market-leading protection against bodily injury claims |
High property damage coverage | Up to AED 3.5M comprehensive / AED 2M TPL |
Agency repairs for newer cars | Up to 25 months from first registration |
Premium garage repairs with new parts | Available up to 5 years |
Off-road cover for 4x4 vehicles | Standard inclusion for eligible 4x4s |
GCC driving — Oman, Saudi, Bahrain, Kuwait | Own-damage cover with Orange Card purchase |
Free 13th month insurance | Unique retention benefit on renewal |
New car GAP protection | First 6 months — brand-new replacement |
24/7 roadside assistance in UAE and Oman | Included as standard |
Personal belongings cover | Up to AED 5,000 for theft, fire, or accident inside the vehicle |
RAK Insurance is frequently compared by UAE drivers looking for comprehensive coverage with higher liability limits than standard policies, as well as those needing agency repairs or off-road protection for SUVs and 4x4 vehicles.
RAK Comprehensive vs Third-Party 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 | RAK Comprehensive Insurance | RAK Third-Party Insurance |
Starting Premium — estimate | AED 1,829 | AED 1,020 |
Vehicle Damage Cover | Included | Not covered |
Declared Vehicle Value | Based on market value | Not applicable |
Third-Party Injury & Death Liability | Unlimited | Unlimited |
Third-Party Property Damage | Up to AED 3,500,000 | Up to AED 2,000,000 |
Fire & Theft Cover | Included | Not covered |
Natural Disaster Cover | Included, excluding officially declared disasters | Not covered |
Windscreen Protection | Unlimited — no deductible, NCD protected | Not covered |
Personal Accident — Driver | Included, up to AED 50,000 personal bodily injury | Optional add-on |
Personal Accident — Passenger | Included | Optional add-on |
Personal Belongings | Up to AED 5,000 | Not included |
Replacement of Locks | Up to AED 5,000, NCD protected | Not included |
Roadside Assistance | 24/7 UAE + Oman, included | 24/7 UAE + Oman, included |
Ambulance Services | Up to AED 6,770 per person | Up to AED 6,770 per person |
Replacement Vehicle | Optional hire car benefit for 5–15 days | Not included |
Nationwide UAE Coverage | Included | Included |
Repair Type | Workshop repair through approved garages | Not applicable |
Agency Repair | Up to 25 months, subject to no claims | Not available |
Dyna Trade Repair | 3rd-year option | Not available |
Premium Garage Repair | 3rd–5th year option, new-for-old parts | Not available |
Off-Road Cover | Included for 4x4 vehicles | Not included |
Auto GAP Insurance | First 6 months for new vehicles | Not included |
GCC Cover — Own Damage | Bahrain, Saudi Arabia, Kuwait, with Orange Card | Not included |
Orange Card — Oman TPL | Optional | Optional |
Free 13th Month | On renewal, subject to no claims | Not applicable |
No Claim Discount | 5% on renewal | Not applicable |
Best For | Drivers wanting comprehensive protection with high limits, agency repairs, and unique benefits | Drivers mainly seeking affordable legal liability coverage with strong roadside assistance |
RAK’s comprehensive plans emphasize high liability limits, with unlimited bodily injury cover, agency repairs, off-road cover, and unique benefits like personal belongings protection, replacement of locks, and a free 13th month of insurance on renewal.
Note: Prices are estimates for a 2021 Toyota Corolla valued at AED 43,000. Actual premiums vary by vehicle.
RAK vs Adamjee vs DNI Prices: Third-Party Car Insurance
Third-party insurance is often chosen by drivers looking for the lowest practical legal cover. However, liability limits, roadside support, and personal accident benefits may matter just as much as the premium itself. RAK stands out with unlimited bodily injury liability and included 24/7 roadside assistance in the UAE and Oman.
TPL Comparison Point | RAK Insurance | Adamjee | Dubai National Insurance (DNI) |
Basic Premium | AED 1,019.62 | AED 975 | AED 728 |
Third-Party Bodily Injury or Death | Unlimited liability | Covered as per UAE policy wording | Covered as per UAE policy wording |
Third-Party Property Damage | Up to AED 2,000,000 | Covered up to policy limit | Covered as per policy terms |
Personal Accident — Driver | Optional add-on | Included | Included |
Personal Accident — Passengers | Optional add-on | Included | Not specified in base plan |
Personal Accident — Family Members | Optional add-on | Not specified | Not specified |
Personal Accident — Employees | Optional add-on | Not specified | Optional add-on |
Ambulance Services | Up to AED 6,770 per person | Not specified | Not specified |
Roadside Assistance | Included — 24/7 UAE + Oman | Optional — AED 10 | Included — Normal IMC Package |
Oman Extension / Orange Card | Optional annual Orange Card | Not included | Not specified |
Nationwide UAE Coverage | Included | Included | Included |
Compare RAK third-party insurance prices with Adamjee car insurance, DNI, and other UAE insurers before choosing the right policy.
Note: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
RAK vs Adamjee vs DNI Prices: Comprehensive Car Insurance
Comprehensive car insurance should be compared based on total protection, not only premium price. RAK’s higher premium reflects significantly higher liability limits, agency repairs, off-road cover, and unique benefits not found in lower-priced policies.
Comprehensive Comparison Point | RAK Insurance | Adamjee | Dubai National Insurance (DNI) |
Basic Premium | AED 1,829.25 | AED 1,675 | AED 1,700 |
Declared Vehicle Value | AED 36,585 | AED 30,242 | AED 36,962 |
Repair Type | Workshop repair | Workshop repair | Workshop repair |
Own Damage Cover | Included | Included | Included |
Fire & Theft Cover | Included | Included | Included under own damage |
Third-Party Bodily Injury or Death | Unlimited liability | Included | Included |
Third-Party Property Damage | Up to AED 3,500,000 | Included up to policy limit | Included |
Driver Personal Accident Benefit | Included — AED 50,000 | Included | Included |
Passenger Personal Accident Benefit | Included | Included | Family & friends benefit included |
Family Members Accident Benefit | Included | Not specified | Included |
Employee Accident Benefit | Included | Not specified | Included |
Emergency Medical Expenses | Up to AED 5,000 | Not specified | Up to AED 5,000 |
Ambulance Services | Up to AED 6,770 per person | Not specified | Included |
Windscreen Cover | Unlimited, NCD protected | Included | Up to AED 3,500 |
Personal Effects / Belongings | Up to AED 5,000 | Not specified | Up to AED 5,000 |
Replacement of Locks | Up to AED 5,000, NCD protected | Not specified | Not specified |
Roadside Assistance | Included UAE + Oman, 24/7 | Included, 24/7 | Included, IMC Gold |
Replacement Vehicle | Optional hire car benefit for 5–15 days | 10 days, non-fault only | Optional 7 days, AED 150 |
Natural Disaster / Flood Cover | Included, excluding officially declared disasters | Included | Included |
Oman / GCC Extension | GCC own-damage cover included for Bahrain, Saudi Arabia, Kuwait with Orange Card | UAE only | Oman extension available |
Orange Card | Optional | Not specified | Required for Oman |
Off-Road Cover | Included for 4x4 vehicles | Not specified | Not specified |
New Car Replacement | Auto GAP — first 6 months | Not specified | Not specified |
Key Replacement / Locks | Up to AED 5,000 | Not specified | Not specified |
Valet Parking Theft | Included | Not specified | Not specified |
Motor Trade Cover | Included — road risks | Not specified | Not specified |
Strike, Riot & Civil Commotion | Optional, additional premium | Not specified | Not specified |
Agency Repair Option | Up to 25 months, subject to no claims | Free add-on | Not specified |
Premium Garage Repair | 3rd–5th year, new-for-old parts | Free add-on | Not specified |
Free 13th Month Insurance | On renewal, subject to no claims | Not specified | Not specified |
No Claim Discount | 5% on renewal | Not specified | Not specified |
Compare RAK comprehensive insurance side by side before buying the right protection for your car.
Note: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
Which Insurer Should You Choose: RAK, Adamjee, or DNI?
There is no single best insurer for every driver. The right choice depends on your budget, vehicle type, and whether you prioritize maximum coverage limits, agency repairs, or lowest premium.
Your Priority | What to Check | Likely Direction |
Lowest TPL premium | Basic premium | DNI |
Highest liability limits | Bodily injury + property damage caps | RAK Insurance |
Cheapest practical comprehensive option | Premium vs core benefits | Adamjee |
Agency repairs for newer cars | Agency repair duration | RAK Insurance — 25 months |
Premium garage repairs with new parts | Garage upgrade availability | RAK Insurance — 3rd–5th year |
Strongest overall benefits | Roadside + GCC + ambulance + personal effects + locks + belongings | RAK Insurance |
Oman/GCC driving | GCC extension + Orange Card | RAK Insurance — own-damage cover for Bahrain, Saudi Arabia, Kuwait |
Off-road driving | Off-road cover inclusion | RAK Insurance — standard off-road cover for 4x4s |
New car protection | GAP insurance | RAK Insurance — first 6 months |
Family/passenger protection | Passenger/family PAB | RAK or DNI |
Everyday-value comprehensive cover | Price vs practical benefits | Adamjee |
Maximum feature depth | Total included benefits | RAK Insurance |
Free retention benefit | Free 13th month on renewal | RAK Insurance — unique |
If your priority is maximum coverage limits, agency repairs, off-road cover, GCC driving protection, and unique benefits like personal belongings cover and a free 13th month of insurance, RAK Insurance becomes significantly more attractive than lower-premium insurers. For budget-focused drivers who prioritize the lowest upfront premium, DNI or Adamjee may be more suitable.
RAK Car Insurance Benefits and Add-ons
Benefit/Add-on | What It Means | Availability |
Third-Party Liability — Bodily Injury | Covers injury or death caused to others — unlimited | TPL & Comprehensive |
Third-Party Property Damage | Covers damage to another vehicle/property — up to AED 3.5M under comprehensive or AED 2M under TPL | TPL & Comprehensive |
Own Damage Cover | Covers damage to the insured vehicle | Comprehensive only |
Personal Accident — Driver | Financial protection for the driver — up to AED 50,000 personal bodily injury | Comprehensive included / TPL optional |
Personal Accident — Passenger | Covers passengers injured during an accident | Comprehensive included / TPL optional |
Personal Belongings | Covers loss/damage to belongings inside the vehicle by fire, theft, or accident — up to AED 5,000 | Comprehensive |
Replacement of Locks | Covers key/lock replacement if lost or stolen — up to AED 5,000, NCD protected | Comprehensive |
24/7 Roadside Assistance | Emergency towing, battery boost, flat tyre, fuel delivery, lockout, off-road recovery up to 3 times/year — UAE and Oman | TPL & Comprehensive, included |
Ambulance Services | National ambulance service coverage — up to AED 6,770 per person | TPL & Comprehensive |
Replacement Vehicle | Optional hire car benefit for 5, 7, 10, or 15 days | Optional add-on |
Windscreen Protection | Unlimited cover for windscreen/window/sunroof repair or replacement — no deductible, NCD protected | Comprehensive |
Natural Disaster Cover | Covers damage from floods, storms, etc., excluding officially declared natural disasters | Comprehensive |
Fire & Theft Cover | Protection against vehicle theft or fire damage | Comprehensive |
Off-Road Cover | Covers damage while driving off-road — applicable to 4x4 vehicles only, excluding safari activities | Comprehensive |
Auto GAP Insurance | Brand-new replacement vehicle if total loss occurs within the first 6 months of registration | Comprehensive, new vehicles only |
Valet Parking Theft | Covers theft of insured vehicle while in valet parking custody | Comprehensive |
Motor Trade Cover | Covers road risks while vehicle is in care, custody, or control of a motor trader, excluding garage keeping liability | Comprehensive |
Agency Repair | Repairs at manufacturer-authorized dealers — up to 25 months from first registration, subject to no claims | Comprehensive |
Dyna Trade Repair | Repairs at Dyna Trade authorized outlets — 3rd-year option | Comprehensive |
Premium Garage Repair | Repairs at premium garages with new-for-old parts — 3rd to 5th year option | Comprehensive |
GCC Cover | Own-damage cover for Bahrain, Saudi Arabia, Kuwait with Orange Card purchase — maximum 30 days per trip, 90 days per 12 months | Comprehensive |
Orange Card | Third-party liability cover for Oman | Optional add-on |
Strike, Riot & Civil Commotion | Extended coverage for SRCC events, with additional premium | Optional add-on |
No Claim Discount | 5% premium return on renewal for claim-free years | Comprehensive only |
Free 13th Month Insurance | One additional month of coverage free on renewal, subject to no claims | Comprehensive only |
Nationwide UAE Coverage | Insurance protection across all UAE emirates | TPL & Comprehensive |
RAK Insurance promotes a range of comprehensive benefits including unlimited third-party liability, agency repairs up to 25 months, off-road cover for 4x4s, personal belongings protection, replacement of locks, and a unique free 13th month of insurance on renewal.
What Is Not Covered Under RAK Car Insurance?
Like all UAE motor-insurance policies, RAK Insurance includes exclusions that depend on the selected policy wording and coverage type.
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 the 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 GCC extension or Orange Card is added, subject to trip-duration limits of 30 days max per trip and 90 days per 12 months |
Natural disasters under TPL | Third-party policies exclude floods, earthquakes, hurricanes, volcanoes, and similar natural disasters |
War, invasion, hostilities, civil war | Damage related to war, foreign enemy action, or warlike operations is excluded |
Strike, riot, civil commotion | Excluded unless SRCC extension is purchased with additional premium |
Nuclear risks | Ionizing radiation, radioactive contamination, nuclear fuel, or atomic/nuclear explosions are excluded |
Confiscation, commandeering, requisition | Loss from permanent or temporary dispossession by lawfully constituted authorities is excluded |
Own vehicle damage under TPL | Third-party insurance does not cover damage to the insured vehicle itself |
Off-road driving for non-4x4 vehicles | Off-road damage is only covered for eligible 4x4 vehicles, excluding safari activities |
Employee/work-related injuries | Injuries to employees during work are excluded unless additional coverage is obtained under a rider or separate policy |
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 and prevents the insurer from recovering losses from the actual liable party |
Documents Required to Buy RAK Car Insurance
- Emirates ID
- Driving license
- Vehicle registration card (mulkiya)
- Emirates ID
- Driving license
- Dealer invoice
- Dehicle specifications
- Emirates ID
- Driving license
- New registration card
- Previous insurance details if any
- Emirates ID
- Driving license
- Vehicle registration card
- Import certificate
- Vehicle test certificate if required
Required documents may vary depending on insurer checks, vehicle specifications, and policy type. Additional documents may be requested for off-road cover eligibility or GCC extension.
How to Buy RAK Car Insurance Through Lookinsure
How to Renew RAK Car Insurance
Follow these steps to complete a RAK car insurance renewal:
- STEP 1: Go to Lookinsure and click on "Quotes" option"
- STEP 2: Select "Renew"
- STEP 3: Enter your vehicle details and personal information
- STEP 4: Choose your policy from the available options
- STEP 5: Make payment
RAK policyholders may be eligible for a 5% No Claim Discount and a free 13th month of insurance on renewal, subject to no claims during the policy period.
Pay RAK Insurance in Installments
Eligible RAK insurance quotes purchased through Lookinsure may support installment-payment options such as credit card installments or BNPL services like Tabby or Tamara, helping drivers spread the premium cost into smaller payments.
Here is how your payments will look if you choose to buy RAK car insurance with Tamara or Tabby for a 2021 Toyota Corolla:
Policy Type | Total Premium — estimate | Example First Payment — 4 Installments | Remaining Payments |
RAK Third-Party Insurance | AED 1,020 | Approx. AED 255 | 3 payments of approx. AED 255 |
RAK Comprehensive Insurance | AED 1,829 | Approx. AED 457 | 3 payments of approx. AED 457 |
When you pay for your car insurance with Tabby or Tamara, your Policy will be activated right after the first payment.
How RAK Car Insurance Claims Work
RAK Insurance allows drivers to start the claims process by calling 800 RAKI (7254) during working hours, Monday to Friday from 8:30am to 5:30pm, or using RAK 24/7 roadside assistance number at 600 575 751 for emergency support. After claim approval, the repair process typically moves through workshop inspection, document verification, repair authorization, and final vehicle collection.
How to Submit a RAK Motor Insurance Claim
Step | What You Need to Do | What Happens Next |
1. Report the accident | Obtain police report — mandatory for accident verification | Keep the report for claim submission |
2. Contact RAK | Call 800 RAKI (7254) or use roadside assistance at 600 575 751 for towing | Claim is registered |
3. Submit required documents | Provide police report, registration card, driving license, Emirates ID | Claim verification begins |
4. Take vehicle to approved workshop | Bring vehicle to RAK’s authorized repair center — agency, Dyna Trade, or premium garage depending on policy | Damage assessment is carried out |
5. Wait for repair approval and completion | Workshop proceeds after authorization | Repairs are completed |
6. Inspect and collect vehicle | Review repair before pickup | Claim process is finalized |
Information Required for a RAK Insurance Claim
To submit a RAK motor insurance claim, drivers are typically asked to provide:
- Vehicle number — plate code and number
- Policy number
- Insured name
- Driver name, if different from insured
- Police report number and emirate of accident
- Contact phone number and email
- Accident date and location
- Brief description of the accident
This information helps the claims team verify the policy, identify the insured vehicle, and begin the claim-assessment process.
Documents Required for a RAK Insurance Claim
Submitting a claim does not automatically mean liability has been accepted by the insurer. Final claim approval depends on policy terms, submitted documents, accident circumstances, and claim assessment. For windscreen claims, NCD will not be affected.
RAK Repair Network: What to Know Before Repair
Repair assignment depends on the selected policy, claim approval process, and insurer instructions. RAK offers multiple repair options based on the vehicle’s age and policy selection. Drivers should always follow the insurer’s approved repair process before visiting a workshop.
Repair Options
Repair Type | Eligibility | Key Features |
Agency Repairs | Up to 25 months from first registration, subject to no claims | Repairs at manufacturer-authorized dealers within the UAE |
Dyna Trade Repairs | 3rd year from first registration | Repairs at Dyna Trade authorized outlets |
Premium Garage Repairs | 3rd to 5th year from first registration | New-for-old parts, premium garage network |
What Users Want to Know
RAK Insurance Garage List
| Garage Name | Emirate | Address | Phone Number |
| Aarya Auto Repairs | Dubai | Dubai 10 Street – 27/2 – Al Quoz Industrial Area 4 – Dubai | +971 4 341 7728 |
| Aarya Auto Repair Body Shop | Abu Dhabi | Musaffah – M-40 – Abu Dhabi | +971 2 551 2175 |
| Dynatrade Auto Car Repair & Service Centre | Dubai | 6th Street – Sheikh Zayed Rd – near Nissan Service – Al Quoz Industrial Area 1 – Dubai | +971 4 328 5511 |
| Dynatrade Auto Car Repair | Abu Dhabi | 1 – Mafraq Industrial Area – Abu Dhabi | +971 2 205 9100 |
| Golden Motor Auto Services Centre | Dubai | Al Qusais Industrial Area – Al Qusais Industrial Area 1 – Dubai | +971 50 310 2484 |
| Saber Garage | Dubai | Third – 20 27th St – Al Quoz – Al Quoz Industrial Area 3 – Dubai | +971 4 347 1112 |
| Al Ramlah Garage LLC | Dubai | Al Qusais Ind – 14 1st St – Al Qusais Industrial Area – Al Qusais Industrial Area 1 – Dubai | +971 4 284 6661 |
| XA Wheel Repair | Dubai | 38 20 C Street – Al Quoz – Al Quoz Industrial Area 3 – Dubai | +971 800 9292 |
| Iconic Performance Garage | Abu Dhabi | Musaffah – M-33 – Abu Dhabi | +971 52 154 3742 |
| Al Amana Auto Wash & Repair Garage | Sharjah | St. No.10, Behind Geco Complex – Maleha St – Sharjah | +971 50 628 4727 |
| Bin Sandal Mechanical Station | Sharjah | 8JRV+Q8W – Al Sajaah – Emirates Industrial City – Dubai | +971 6 533 4247 |
| TotalEnergies – Dhanya Auto Care Center LLC | Sharjah | BMW Road – First Industrial St – near Maza Signal – Al Nahdha – Industrial Area – Sharjah | +971 6 518 2777 |
| Truck City Auto & Truck Maintenance L.L.C. | Sharjah | Al Sajaah – Sharjah | +971 6 595 2909 |
RAK Insurance Contact Information
RAK Insurance operates claims and customer-support services across multiple UAE locations, including Ras Al Khaimah Head Office, Abu Dhabi, and Dubai.
Department | Contact Details |
New Quotes & Renewals | 800 RAKI (800 7254) — Mon–Fri, 8:30am to 5:30pm |
Roadside Assistance — 24/7 | 600 575 751 — Available 24/7 in the UAE and Oman |
Car, Home & Travel Claims | 800 RAKI (800 7254) — Mon–Fri, 8:30am to 5:30pm |
Website | www.rakinsurance.com |
RAK Branch Locations
Frequently Asked Questions
