Salama | Nissan Altima
TPL
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Chosen by +1,300 people
Starting From
AED
750AED
187.5monthly in 4 payments
Salama car insurance in the UAE
Pay in 4 months with
And
Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Salama car insurance is the motor takaful arm of Islamic Arab Insurance Company (Salama), a Dubai-based insurer founded in 1979 and registered with the Central Bank of the UAE under licence No. 123.
It sells two motor products in the UAE: third-party liability cover, which the law requires, and comprehensive cover. On Lookinsure, the lowest Salama third-party quote in the last six months was AED 750 and the lowest comprehensive quote was AED 2,000. This page covers what those plans include, how to file a Salama motor claim, how to renew, and how Salama measures up when you compare car insurance quotes in the UAE.
What is Salama car insurance?
Salama car insurance is motor takaful — a Sharia-compliant alternative to conventional insurance in which policyholders contribute to a shared risk fund rather than buying a transfer of risk from a company. Claims are paid from that pooled fund, and the operator manages it for a fee instead of keeping the underwriting profit. In practice the cover you get is the same as a conventional motor policy: the difference is in how the money is structured, not in what is protected.
The company behind it is Islamic Arab Insurance Company, which trades as Salama and is listed on the Dubai Financial Market. It was the UAE's first takaful operator and still writes across motor, health, home, travel and life. Every motor policy sold in the UAE, Salama's included, is built on the Unified Motor Vehicle Insurance Policy issued by the Central Bank of the UAE, which sets the minimum terms no insurer can undercut.
One point of confusion worth clearing up: Salama in the UAE is not the same company as Salama Cooperative Insurance in Saudi Arabia. They share a name and nothing else — different regulator, different market, separate claims operations.
How much does Salama car insurance cost in the UAE?
The cheapest Salama third-party policy quoted through Lookinsure in the last six months was AED 750, and the cheapest comprehensive policy was AED 2,000, both verified in September 2026. Those are real quoted prices for real cars, not indicative rates. Third-party premiums cluster tightly because the cover is standardised by law; comprehensive premiums vary with the car's value, its age and the driver's claims history.
As a rule of thumb from these quotes, a Salama comprehensive policy costs roughly 2.5 to 2.7 times the third-party price for the same vehicle.
| Make and model | Lowest Salama third-party quote | Lowest Salama comprehensive quote |
|---|---|---|
| Toyota Camry | AED 750 | AED 2,000 |
| Toyota Corolla | AED 750 | — |
| Toyota Yaris | AED 750 | — |
| Toyota RAV4 | — | AED 2,000 |
| Toyota Land Cruiser | AED 1,050 | AED 2,676.70 |
| Nissan Altima | AED 750 | AED 2,000 |
| Nissan Sunny | AED 750 | — |
| Nissan Patrol | AED 1,050 | — |
| Nissan Kicks | — | AED 2,000 |
| Nissan X-Trail | — | AED 2,000 |
| Honda Accord | AED 750 | — |
| Honda Civic | AED 750 | — |
| Hyundai Sonata | AED 750 | — |
| Hyundai Tucson | — | AED 2,000 |
| Hyundai Creta | — | AED 2,000 |
| Chevrolet Captiva | — | AED 2,000 |
| Mitsubishi ASX | — | AED 2,000 |
Lowest quotes issued through Lookinsure. Your own price depends on your car, your age, your licence history and your no-claim record.
The two body styles tell the story: a saloon like the Camry or Altima sits at the floor of the range, while a large 4x4 costs about 40% more on third-party and a third more on comprehensive. If you are pricing a specific car, the Toyota car insurance and Nissan car insurance pages show what the wider market charges for the same models.
Salama does not offer instalments directly, but you can split a Salama policy bought through Lookinsure into four payments with Tabby car insurance or defer it with Tamara car insurance BNPL, at no extra cost on the premium.
Salama car insurance plans compared
Salama sells two motor plans. Third-party is the legal minimum and pays only for damage you cause to other people; comprehensive adds your own vehicle. Choose comprehensive if your car is financed, leased, or worth more than about AED 30,000 — below that, the annual premium starts to approach what you would recover.
| Feature | Third-party liability | Comprehensive |
|---|---|---|
| Lowest quote on Lookinsure | AED 750 | AED 2,000 |
| Damage to other people's property | Covered to the Unified Policy limit | Covered to the Unified Policy limit |
| Injury or death of a third party | Covered | Covered |
| Damage to your own car | Not covered | Covered |
| Fire and theft of your car | Not covered | Covered |
| Storm, flood and sand damage | Not covered | Covered |
| Repairs at approved garages | Third-party vehicle only | Your vehicle included |
| Legally required | Yes | No |
The same split applies at every UAE insurer, so it is worth reading the general cases for comprehensive car insurance and third-party car insurance before deciding, then pricing Salama against the rest.
What Salama motor insurance does not cover
Driving under the influence
Any claim where the driver was over the legal limit or under the influence of drugs is refused outright.
No valid licence
Driving on an expired, suspended or wrong-category UAE licence voids the claim.
Racing and timed events
Competitive racing, track days and timed desert runs sit outside every UAE motor policy.
Wear and tear
Tyres, brake pads, servicing and the car's fall in value over time are maintenance, not damage.
Mechanical failure
A breakdown unconnected to an accident is not a claim unless you hold a mechanical breakdown add-on.
Unapproved modifications
Engine swaps, suspension lifts and other changes not declared to Salama can invalidate cover.
How to file a Salama insurance motor claim
File a Salama motor claim by reporting the accident to the police first, then registering it on Salama's motor claims portal at motor.salama.ae or by calling 800 725262. The police report is the document everything else hangs on — without it, a UAE motor claim cannot proceed, whichever insurer you are with.
Step 1
Report to the police
Call the police from the scene and get the official report. In Dubai, minor incidents can be filed through the Dubai Police app.
Step 2
Notify Salama
Register the claim at motor.salama.ae or call 800 725262. Do this as soon as you have the police report reference.
Step 3
Send your documents
Upload the police report, your Emirates ID, your driving licence and the vehicle registration card.
Step 4
Get the car assessed
Take the vehicle to an approved garage. The garage estimates the repair and submits it to Salama for approval.
Step 5
Approval and repair
Once Salama approves the estimate, the repair proceeds and you collect the car when the garage confirms it is ready.
Where you take the car matters: repairs are only covered at facilities on the insurer's approved list, and the Salama approved garage list shows which workshops qualify in each emirate. If this is your first claim in the UAE, the general walkthrough of how car insurance claims work in the UAE covers the police-report step in more detail.
Documents you need for a Salama claim
Police report
The original report with its case number. Required for every accident and theft claim.
Emirates ID
Front and back, for whoever was driving at the time of the accident.
Driving licence
A copy of the valid UAE licence of the driver, and of the other party's licence where available.
Vehicle registration card
The mulkiya for the insured vehicle, front and back.
Why Salama car insurance claims get rejected
Most refused motor claims in the UAE fail for the same handful of reasons, and none of them are discretionary — they are written into the Unified Motor Vehicle Insurance Policy.
Expired policy
The accident fell after the expiry date or during a lapse between policies.
Details do not match
The chassis number, plate or declared driver on the claim differs from the policy.
No police report
The incident was never reported, or the report was obtained too long after the event.
Salama car insurance renewal
Renew Salama car insurance by comparing your renewal quote against the rest of the market before you accept it. A Salama insurance renewal notice is a price, not an obligation — switching insurer at renewal carries no penalty in the UAE, and your no-claim discount transfers with you.
Step 1
Start 30 days out
Salama sends a renewal notice before expiry. Begin comparing at that point rather than on the last day.
Step 2
Get your no-claim proof
Request the no-claim certificate from your current insurer. It is what carries your discount across.
Step 3
Compare the market
Enter the car and driver details once and see Salama's renewal price next to every other UAE insurer.
Step 4
Pay and get the policy
Pay in full or split it with Tabby or Tamara. The policy document is issued the same day.
The discount at stake is usually the largest single lever on the price, so it is worth understanding how the no-claim discount is calculated and what resets it before you renew anywhere. When you are ready, you can compare renewal prices across UAE insurers in one step.
Salama insurance contact number and offices
Salama's main contact number in the UAE is 800 725262, which spells 800-SALAMA. Motor claims are registered separately at motor.salama.ae, and general enquiries go to [email protected].
Salama contact number
800 725262 (800-SALAMA), for policy, renewal and general motor enquiries.
Motor claims
motor.salama.ae — register and track a motor claim online.
Email
[email protected] for general and policy correspondence.
Head office
4th Floor, Block A, Spectrum Building, Oud Metha, Sheikh Rashid Road, P.O. Box 10214, Dubai.
Regulator
Central Bank of the UAE, registration No. 123.
Listed on
Dubai Financial Market, trading as Islamic Arab Insurance Company.
Salama writes business across the country from its Dubai base, so a policy bought in one emirate is valid in all seven. If you are comparing what the market charges where you live, the car insurance in Sharjah and car insurance in Abu Dhabi pages show local pricing.
Salama add-ons and roadside assistance
Salama insurance roadside assistance is sold as an optional extension rather than being built into the base comprehensive policy, which is the standard arrangement at UAE insurers. Confirm what your quote includes before you assume you are covered for a tow.
The add-ons that change a motor policy most are the same across the market. Roadside assistance cover pays for towing, jump-starts and lockouts; personal accident cover pays the driver and passengers after an injury regardless of fault.
| Add-on | What it does | Worth it for |
|---|---|---|
| Roadside assistance | Towing, battery jump-start, fuel delivery, lockout help | Anyone without breakdown cover elsewhere |
| Personal accident cover | Pays the driver and passengers after injury or death | Family cars and daily commuters |
| Windscreen cover | Removes the excess on glass damage | Regular highway driving |
| Car key replacement | Covers reprogramming an electronic key | Cars with smart or proximity keys |
| Off-road and 4x4 cover | Extends cover to recovery and sand damage off sealed roads | SUV owners who leave the tarmac |
Add-on availability and pricing change by plan and by vehicle, so treat the list above as the categories to ask about rather than a fixed menu. Confirm each one against your own Salama quote before you buy.
Is Salama car insurance worth it? Our verdict
Buy Salama car insurance if you specifically want takaful cover and your car is a mainstream saloon or crossover — at AED 750 for third-party and AED 2,000 for comprehensive, Salama sits at the competitive end of the UAE market for those vehicles. It is a genuine Sharia-compliant option from the country's oldest takaful operator, not a badge on a conventional policy.
Look elsewhere if you drive something unusual or high-value, or if roadside assistance matters enough that you want it included rather than bolted on. Salama's strength is standard cars at standard prices; it is not built around edge cases.
If takaful is the deciding factor, price Salama against the other Sharia-compliant motor operators in the market — Watania car insurance and Yas Takaful car insurance both compete for the same buyer. If it is not, the full list of UAE car insurance providers is the better place to start, since a conventional insurer may well undercut all three.
Frequently Asked Questions
Report the accident to the police and obtain the official report, then register the claim at motor.salama.ae or by calling 800 725262. Submit the police report, your Emirates ID, your driving licence and the vehicle registration card, then take the car to an approved garage for assessment and repair approval.
Start about 30 days before your policy expires. Request your no-claim certificate from Salama, then compare the renewal price against other UAE insurers before accepting it. Renewing takes a few minutes online and the policy document is issued the same day. Switching insurer at renewal carries no penalty.
Salama's contact number in the UAE is 800 725262, which spells 800-SALAMA. Motor claims are handled separately through the online portal at motor.salama.ae, and general enquiries can be emailed to [email protected]. The head office is in the Spectrum Building, Oud Metha, Dubai.
The lowest Salama third-party quote issued through Lookinsure in the six months to September 2026 was AED 750, and the lowest comprehensive quote was AED 2,000. A large 4x4 such as a Land Cruiser costs more: AED 1,050 third-party and AED 2,676.70 comprehensive.
Salama is a reasonable choice for mainstream saloons and crossovers, particularly if you want Sharia-compliant takaful cover. It is the UAE's oldest takaful operator and prices competitively on common models. Drivers of high-value or unusual vehicles, and anyone who wants roadside assistance included as standard, should compare alternatives.
Yes. Salama is the trading name of Islamic Arab Insurance Company, a Dubai-based insurer founded in 1979 and listed on the Dubai Financial Market. It is not connected to Salama Cooperative Insurance in Saudi Arabia, which is a separate company operating under a different regulator.
Roadside assistance is offered as an optional add-on rather than being included in the standard comprehensive policy. It typically covers towing, battery jump-starts, fuel delivery and lockout help. Check your specific quote, because what is bundled varies between plans and between vehicles.
Auto takaful is Sharia-compliant motor cover in which policyholders contribute to a shared risk fund instead of transferring risk to an insurer for profit. Claims are paid from that pooled fund and the operator manages it for a fee. The protection is equivalent to a conventional motor policy.
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