Liva Car Insurance UAE: Compare Prices & Buy Online
Flexible installments to pay later with
And
Regulated by the Government of Dubai
Liva Insurance offers three flexible motor insurance tiers — Executive, Smart, and Value — to suit every driver and budget. Through Lookinsure, you can compare Liva quotes online, review coverage benefits against other insurers, choose the right plan for your vehicle, and complete your purchase online in minutes.
RSA/Liva Car Insurance Overview
The UAE branch of the world-famous London-based RSA insurance company has recently joined powers with the NLGIC Group to form Liva Insurance Company. Despite the merger, the company’s services and processes remain unchanged, and customers will only see a new brand name on their insurance certificates.
Is Liva Car Insurance Right for You?
Liva Insurance may be a strong fit for drivers who want choice — from premium comprehensive coverage with agency repairs to affordable TPL with strong driver protection.
| Liva may be a good fit if you want… | Why |
|---|---|
| Oman cover included | Territorial extension to Oman in all tiers |
| Agency repairs | Executive tier — 2 years free agency |
| Temporary rent-a-car | Included in Smart and Executive |
| 24/7 roadside assistance | Included in Smart and Executive; optional add-on for Value |
| Loss of personal items | Up to AED 5,000 (Smart/Executive) |
| Replacement of locks | Up to AED 5,000 (Smart/Executive) |
| New vehicle replacement | 6 months (Smart/Executive) |
| Quick claim approval | Target of 1 working day after documents submitted |
Liva (RSA) Insurance is frequently compared by UAE drivers looking for flexible coverage options that don't sacrifice driver and passenger protection. With AED 200,000 cover for the people inside your car, Oman cover included, and 24/7 roadside assistance, Liva offers genuine value across all tiers.
Liva Car Insurance Types: Executive vs Smart vs Value
Liva offers three distinct motor insurance tiers. Choose Motor Executive for premium comprehensive coverage with agency repairs, Motor Smart for the best-value comprehensive package, or Motor Value for affordable TPL with strong driver protection.
| Coverage Feature | Liva Motor Executive (Premium Comprehensive) | Liva Motor Smart (Best-Seller Comprehensive) — AED 1,800 | Liva Motor Value (Third Party Liability) — AED 1,300 |
|---|---|---|---|
| Loss or Damage to Your Vehicle | Included | Included (AED 21,835 insured value) | Not included |
| Third Party Liability for Bodily Injury | Unlimited | Unlimited | Unlimited |
| Third Party Liability for Property Damage | AED 3,500,000 | AED 3,500,000 | AED 3,500,000 |
| Third Party Liability for Family/Passengers | Included | Included | Not specified |
| Personal Accident Benefit - Driver | AED 200,000 | AED 200,000 (included) | AED 200,000 (included) |
| Personal Accident Benefit - Passenger | AED 200,000 | AED 200,000 (included) | AED 200,000 (included) |
| Agency Repairs | Included | 2 years free agency | Not included |
| Temporary Rent-A-Car | Included | Included | Not included |
| Breakdown Recovery | Included | Included (24hr Accident & Breakdown Recovery) | Included (24hr Accident & Breakdown Recovery) |
| No Claims Discount Protection | Included | Not included (NCD standard) | Not included (NCD standard) |
| New Vehicle Replacement | Included | 6 months | Not included |
| Off Road Cover | Included | Not applicable | Not applicable |
| Lock Replacement | Included | AED 5,000 | Not included |
| Personal Possessions | Included | AED 5,000 (Loss of personal items) | Not included |
| Personal Injury Cover | Included | AED 20,000 | Not included |
| Taxi Fares | Included | AED 300 | Not included |
| Using Your Car in GCC Countries | Included (own damage only) | Optional | Not included |
| Using Your Car in Oman | Included | Included | Included |
| Garage and/or Valet Parking | Included | Included | Not included |
| Emergency Medical Expenses | Included | AED 3,500 | Not included |
| Emergency Repairs | Included | AED 1,000 | Not included |
| Perils of Nature, Riot, Strike, Civil Commotion | Included | Included | Not included |
| Windscreen Protection | Included | Included | Not included |
| Ambulance Cost | Included | AED 6,770 | AED 6,770 |
| Driving Another Car | Included | Included | Not included |
| 24/7 Roadside Assistance | Included | Included | Included (via optional add-on) |
| Fire and Theft | Included | Not specified | Optional |
| Basic Cover | Included | Included | Included |
| Excess Deductible | Standard | AED 250 | Not applicable |
| Young Driver Additional Excess | 10% (under 25) | 10% (under 25) | 10% (under 25) |
| Quotation Validity | 30 days | 30 days | 30 days |
Liva's three-tier system gives you choice without confusion. Executive is for drivers who want everything including agency repairs and GCC cover. Smart is the best-seller — comprehensive protection at a competitive price. Value delivers strong driver/passenger protection at TPL prices.
Note: Prices are for a 2018 Nissan Altima. Actual premiums vary by vehicle, driver history, and selected add-ons.
Liva vs Methaq vs Tokio Marine Prices: Third-Party Car Insurance
Third-party insurance is often chosen by drivers looking for the lowest practical legal cover. Liva's TPL (Motor Value) sits in the middle of this comparison — higher premium than Methaq but significantly lower than Tokio Marine — while offering strong driver and passenger accident cover.
| TPL Comparison Point | Liva (Motor Value) | Methaq Takaful | Tokio Marine |
|---|---|---|---|
| Basic Premium (2018 Nissan Altima) | AED 1,300 | AED 675 | AED 1,010 |
| Third-Party Bodily Injury or Death | Unlimited | Unlimited | Covered |
| Third-Party Property Damage | AED 3,500,000 | Up to AED 2,000,000 | Covered |
| Driver Accident Cover | AED 200,000 (included) | Not specified | AED 200,000 |
| Passenger Accident Cover | AED 200,000 (included) | Not specified | AED 200,000 |
| Ambulance Services | AED 6,770 (included) | Included (ambulance & urgent treatment) | Included |
| 24/7 Roadside Assistance | Included | Optional (+AED 14) | Included |
| Oman Cover | Included | Not specified | Not specified (own damage only) |
| No Claim Discount | Included | Not specified | Not specified |
| Loyalty Discount | Not specified | Not specified | Included |
| Quotation Validity | 30 days | — | — |
Compare Liva third-party insurance prices with Methaq and Tokio Marine before choosing the right policy. Liva offers the highest property damage limit (AED 3.5M) and includes driver/passenger cover and roadside assistance at base price.
Note: Prices are for a 2018 Nissan Altima. Actual premiums vary by vehicle, driver history, and selected add-ons.
Liva vs Methaq vs Tokio Marine Prices: Comprehensive Car Insurance
Comprehensive insurance should be compared based on total protection, not only premium price. Liva's Motor Smart offers a compelling mid-range option — higher premium than Methaq but lower than Tokio Marine — with strong inclusions like AED 200,000 driver/passenger cover, Oman cover, and temporary rent-a-car.
| Comprehensive Comparison Point | Liva (Motor Smart) | Methaq Takaful | Tokio Marine |
|---|---|---|---|
| Basic Premium (2018 Nissan Altima) | AED 1,800 | AED 1,260 | AED 2,500 |
| Insured/Declared Vehicle Value | AED 21,835 | AED 36,200 | AED 36,200 |
| Repair Type | Workshop | Workshop | Workshop |
| Own Damage Cover | Included (as per insured value) | Included | Included |
| Third-Party Bodily Injury or Death | Unlimited | Unlimited | Covered |
| Third-Party Property Damage | AED 3,500,000 | Up to AED 2,000,000 | Covered |
| Driver Accident Cover | AED 200,000 (included) | Not specified (driver's family) | Not specified |
| Passenger Accident Cover | AED 200,000 (included) | Included | Not specified |
| Ambulance Services | AED 6,770 (included) | Up to AED 6,770 | Included |
| Roadside Assistance | Included (24/7) | Silver AAA (+AED 15 optional) | Not specified in base |
| Replacement Vehicle | Temporary Rent-A-Car (included) | Optional (+AED 120-220) | Included (15-20 days) |
| Oman Cover | Included | Not specified | Not specified |
| Agency Repair | 2 years free agency (Smart) | Not specified | Not specified |
| Windscreen Cover | Included | For claims under AED 2,000 | Not specified |
| Loss of Personal Items | AED 5,000 | Not specified | Not specified |
| Replacement of Locks | AED 5,000 | Not specified | Not specified |
| New Vehicle Replacement | 6 months | Not specified | Not specified |
| Taxi Fares | AED 300 | Not specified | Not specified |
| Emergency Medical Expenses | AED 3,500 | Not specified | Not specified |
| Emergency Repairs | AED 1,000 | Not specified | Not specified |
| Perils of Nature, Riot, Strike, Civil Commotion | Included | Included (vehicle value) | Not specified |
| Driving Another Car | Included | Not specified | Not specified |
| No Claim Discount | Included | Included | Included |
| Young Driver Excess | 10% (under 25) | Not specified | Included (under 25) |
| Excess Deductible | AED 250 | Not specified | Not specified |
| Quotation Validity | 30 days | — | — |
Compare Liva comprehensive insurance side by side before buying the right protection for your car. Liva's Motor Smart includes AED 200,000 driver/passenger cover, AED 3.5M property damage limit, Oman cover, and temporary rent-a-car — all at a competitive AED 1,800 premium.
Note: Prices are for a 2018 Nissan Altima. Actual premiums vary by vehicle, driver history, and selected add-ons.
Which Insurer Should You Choose: Liva, Methaq, or Tokio Marine?
There is no single best insurer for every driver. The right choice depends on your budget, vehicle type, and whether you prioritize driver/passenger protection, property damage limits, or lowest premium.
| Your Priority | What to Check | Likely Direction |
|---|---|---|
| Lowest TPL premium | Basic premium | Methaq (AED 675) |
| Best TPL driver/passenger cover | Accident cover limits | Liva (AED 200,000 each) or Tokio Marine |
| Highest TPL property damage limit | Coverage amount | Liva (AED 3.5M) |
| Lowest comprehensive premium | Base price | Methaq (AED 1,260) |
| Best comprehensive driver/passenger cover | Accident cover limits | Liva (AED 200,000 each) |
| Highest comprehensive property damage limit | Coverage amount | Liva (AED 3.5M) |
| Agency repairs | Availability and duration | Liva (2 years free agency on Smart) |
| Oman cover included | Territorial extension | Liva (included in all tiers) |
| Temporary rent-a-car | Days and coverage | Liva (included) or Tokio Marine (15-20 days) |
| Loss of personal items | Coverage amount | Liva (AED 5,000) |
| Replacement of locks | Coverage amount | Liva (AED 5,000) |
| Takaful-compliant insurance | Sharia compliance | Methaq (Takaful) |
| Loyalty discount | Renewal saving | Tokio Marine |
| Young driver (under 25) | Extra charges apply | All apply — check terms |
| Maximum feature depth | Total included benefits | Liva (most features included at base price) |
If your priority is strong driver and passenger accident cover (AED 200,000 each) and the highest property damage limit (AED 3.5M) at a competitive price — especially for comprehensive — Liva is the clear winner. For the absolute lowest TPL premium, choose Methaq. For the lowest comprehensive premium, Methaq also leads. For loyalty discounts and a global brand, consider Tokio Marine. If Takaful compliance matters, Methaq is your choice.
Liva Car Insurance Benefits and Add-ons
| Benefit/Add-on | What It Means | Availability |
|---|---|---|
| Driver Accident Cover | Financial protection for the driver — AED 200,000 | Smart, Value |
| Passenger Accident Cover | Covers passengers injured in an accident — AED 200,000 | Smart, Value |
| Third-Party Liability (Bodily Injury) | Covers injury or death caused to others — unlimited | All tiers |
| Third-Party Property Damage | Covers damage to another vehicle/property — AED 3,500,000 | All tiers |
| Own Damage Cover | Covers damage to the insured vehicle | Executive, Smart |
| Agency Repairs | Repairs at manufacturer's authorized dealers — 2 years free agency | Smart (2 years), Executive (included) |
| Temporary Rent-A-Car | Rental vehicle while your car is being repaired | Executive, Smart |
| 24/7 Roadside Assistance | Emergency towing, flat tyre, battery boost, fuel delivery, lockout, off-road recovery — UAE and Oman | Executive, Smart (included); Value (optional) |
| Ambulance Cost | National ambulance service coverage — up to AED 6,770 | All tiers |
| Oman Cover | Territorial extension to Oman (Orange Card for TPL required separately) | All tiers |
| Loss of Personal Items | Coverage for belongings inside vehicle — up to AED 5,000 | Executive, Smart |
| Replacement of Locks | Key/lock replacement — up to AED 5,000 | Executive, Smart |
| New Vehicle Replacement | Brand new replacement vehicle if total loss within first 6 months | Executive, Smart |
| Taxi Fares | Cab fare coverage — up to AED 300 | Executive, Smart |
| Emergency Medical Expenses | Medical-expense support — up to AED 3,500 | Executive, Smart |
| Emergency Repairs | Quick repair coverage — up to AED 1,000 | Executive, Smart |
| Windscreen Protection | Covers windscreen repair or replacement | Executive, Smart |
| Perils of Nature, Riot, Strike, Civil Commotion | Extended coverage for natural disasters and civil unrest | Executive, Smart |
| Driving Another Car | Coverage for driving another vehicle not owned by you | Executive, Smart |
| Garage and/or Valet Parking | Coverage for incidents at garages or valet parking | Executive, Smart |
| Personal Injury Cover | Additional injury protection — up to AED 20,000 | Smart |
| Off Road Cover | Covers damage while driving off-road — 4WD only (excl. safari) | Executive |
| GCC Countries Cover | Territorial extension to other GCC countries (own damage only) | Executive |
| No Claims Discount | Discount on renewal for claim-free years | All tiers |
| No Claims Discount Protection | Protects NCD after a claim | Executive |
| Young Driver Excess | Additional 10% excess if driver under 25 | All tiers (where applicable) |
Liva Insurance promotes a range of comprehensive benefits including AED 200,000 driver and passenger accident cover, the highest third-party property damage limit in this comparison (AED 3.5M), Oman cover included, and flexible tiers to suit every budget.
What Is Not Covered Under Liva Car Insurance?
Like all motor-insurance policies, Liva car insurance UAE includes exclusions that depend on the selected policy wording and coverage type.
- 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 Oman or GCC extension is added (subject to terms).
- Natural disasters: Specific natural disaster coverage may vary by policy tier.
- 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 (Value tier).
- Off-road driving (non-4WD vehicles): 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 and prevents the insurer from recovering losses from the actual liable party.
- Vehicle modifications: Any modification (including paint protection, rust proofing) not specified on policy schedule is excluded.
- Non-GCC vehicle specification: Vehicle must be GCC-specified and first purchased from UAE local authorized dealer.
Additional Liva-Specific Conditions
| Condition | Details |
|---|---|
| Young Driver Additional Excess | If driver at time of accident is below 25 years, an additional deductible of 10% applies |
| Factory Modified Vehicles Additional Excess | 15% additional excess |
| Non-Factory Modified Vehicles Additional Excess | 20% additional excess |
| Sports Car Additional Excess | 15% additional excess (if Sports Excess listed on schedule or if electric car) |
| Total Additional Excess | If multiple excesses apply, highest percentage applies plus standard excess |
| Quotation Validity | Quotes valid for 30 days from date of issue |
| Oman Cover Restriction | Orange Card must be obtained prior to departure from UAE for TPL coverage in Oman |
How to Buy Liva Car Insurance Through Lookinsure
How To Renew Liva (RSA) Motor Insurance Plan?
Visit Lookinsure
Apply Discounts if Available
Adjust Coverage:
Add/remove riders
Payment:
Tabby/Tamara installments or credit card
Liva policyholders may be eligible for No Claims Discount on renewal. For Smart and Executive tiers, check for continued benefits including temporary rent-a-car and roadside assistance.
Documents Required to Buy Liva Car Insurance
- Purchase agreement / vehicle invoice copy from dealership
- UAE driving license,
- home country driving license (if applicable),
- proof of claims-free driving experience (if applicable)
- Existing registration card (if private purchase) OR purchase agreement / vehicle invoice copy from dealership
- UAE driving license
- home country driving license (if applicable)
- proof of claims-free driving experience (if applicable)
- Existing registration card
- UAE driving license
- home country driving license (if applicable)
- proof of claims-free driving experience (if applicable)
Required documents may vary depending on insurer checks, vehicle specifications, and policy type. For online applications, electronic copies are required to be submitted.
Pay Liva Insurance in Installments
Choosing Lookinsure for your purchase allows you to pay for your car insurance with Tamara or Tabby and pay your premium in 4 installments. This helps drivers spread the premium cost into smaller payments, enabling many to opt for comprehensive coverage instead of a simple TPL policy.
| Policy Type | Total Premium (estimate) | Example First Payment (4 Installments) | Remaining Payments |
|---|---|---|---|
| Liva Motor Value (TPL) | AED 1,300 | Approx. AED 325 | 3 payments of approx. AED 325 |
| Liva Motor Smart (Comprehensive) | AED 1,800 | Approx. AED 450 | 3 payments of approx. AED 450 |
Installment availability depends on provider approval and checkout eligibility. Actual premiums vary by vehicle, driver history, and selected add-ons.
How Liva Car Insurance Claims Work
Liva Insurance allows drivers to start the claims process online, by email, or by phone. Liva aims to approve claims within one working day once all documents are submitted.
Important Claim Note: As per UAE Insurance Authority guidelines, if repair costs exceed a certain threshold, the Third Party's insurer may need to be notified and may take time to inspect the vehicle.
How to Make a Liva Motor Insurance Claim
Documents Required for a Liva Insurance Claim
| Required Document | Why It Is Needed |
|---|---|
| Copy of driving license | Confirms driver eligibility |
| Vehicle registration card (Mulkiya) | Verifies vehicle ownership and registration |
| Police report | Required for accident verification (mandatory) |
How Long Does Liva Car Insurance Claim Process Takes?
| Milestone | Target |
|---|---|
| Claim approval (after all documents submitted) | Within 1 working day |
| Full settlement | Depends on repair duration and claim complexity |
Compliance Note: 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. You will pay any applicable excess (deductible) at the time of claim.
Liva Repair Network: What to Know Before Repair
Repair assignment depends on the selected policy tier. Liva Executive policyholders go to authorized agency workshops. Liva Smart and Value policyholders go to Liva's approved garage network. Drivers should always follow the insurer's approved repair process before visiting a workshop.
Repair Options Summary Table
| Repair Type | Eligibility | Key Features |
|---|---|---|
| Agency Repairs | Liva Motor Executive; Liva Motor Smart (2 years free agency) | Repairs at manufacturer's authorized dealers |
| Liva Approved Garage Network | Liva Motor Smart and Motor Value | Repairs at approved workshops across all Emirates |
Garage Summary Table (What Users Want to Know)
Liva Contact for Claims
- Claims Helpline: 800 774 (Mon-Sat, 09:00-17:00)
- Email (Claims): [email protected]
- Online Claim Form: livainsurance.ae/car/make-claim
- Roadside Assistance (24/7): 600 544060
Liva (RSA) Car Insurance Garage List In UAE
Formerly Royal & Sun Alliance Insurance, Liva Insurance car repair garages in UAE are here in full detail, including a practical Dubai insurance garage list:
| Garage Name | Address | Phone Number |
| Aarya Auto Repairs L.L.C | Dubai 10 Street, 27/2, Al Quoz Industrial Area 4, Dubai | +97143417728 |
| Advanced Auto Repairing | 3 Street 17 – Al Quoz – Al Quoz Industrial Area 4 – Dubai | +97142200900 |
| Bin Sandal Mechanical Station | 8JRV+Q8W – Al Sajaah – Emirates Industrial City – Dubai | +97165334247 |
| Gargash Auto Body | 25.121845 – 55.239942 – Al Quoz – Al Quoz Industrial Area 4 – Dubai | +97142584460 |
| Gargash Auto Body | 208 Amman St – Al Qusais Industrial Area – Al Qusais Industrial Area 4 – Dubai | +9718004272886 |
| K.M. Garage – Al Quoz | Al Quoz – Al Quoz Industrial Area 4 – Dubai | +97143476658 |
| K.M.Garage – Um Ramool | Al-Rashidiya, Umm Ramool, 17th Street, Near Emirates Metro Station, Dubai | +97142855099 |
| PAB Auto Maintenance | 41st Street, 598 Community, Arenco Warehouse, Dubai Investment Park – 1 – Dubai | +97148808180 |
| PAL Garage | 20B St – Al Quoz – Al Quoz Industrial Area 4 – Dubai | +97148808180 |
| Aarya Auto Repairs L.L.C | Musaffah, M-40, Abu Dhabi | +97125512173 |
| Al Mazroui & Clevy Auto Services L.L.C | Plot No- 71 – Musaffah – M-13 – Abu Dhabi | +97125501080 |
| Rafi Auto Workshop | Musaffah – M-33 – Abu Dhabi | +97125511501 |
| World Link Auto | Next to Nissan Al Masaood Showroom, Al Ain Sanaiya – Abu Dhabi | +971528929000 |
| Dhanya Auto Care Center LLC | First Industrial St BMW Road, Near Maza Signal – Sharjah | +97165182777 |
| Smart Auto Care LLC | 8CFH+PCX – Industrial Area 6 – Industrial Area – Sharjah | +97165085333 |
| Bushra Garage | 37JR+6J5 – Al Hail – Fujairah | +97192226629 |
| Lamsi Garage | Al Uraibi – Ras Al Khaimah | +97172212678 |
Liva Insurance Contact Information
Liva Insurance operates claims and customer-support services from its head office on Sheikh Zayed Road, Dubai.
| Department | Contact Details |
|---|---|
| Sales | 800 772 — Monday to Saturday, 08:00 to 20:00 |
| Claims | 800 774 — Monday to Saturday, 09:00 to 17:00 |
| Roadside Assistance (24/7) | 600 544060 |
| Email (Claims) | [email protected] |
| Email (Home Claims) | [email protected] |
| Email (Travel Claims) | [email protected] |
| Website | www.livainsurance.ae |
| Fax | +971 (4) 337 7230 |
Office Location
Frequently Asked Questions
Yes. You can compare Liva insurance quotes through Lookinsure, upload documents, and complete your purchase online.
Yes. 24/7 roadside assistance is included in Smart and Executive tiers, and available as an optional add-on for Value tier. Call 600 544060.
Yes. Oman cover is included in all Liva tiers. For TPL coverage in Oman, you must obtain an Orange Card before departure from UAE.
Yes, for 4WD vehicles on Executive tier (excludes safari activities, competitions, or events).
