Car Insurance UAE

Car Insurance UAE: At a Glance

• A car insurance policy is a binding agreement between the car owner and the insurance company. You pay the premium in return for optimal coverage for loss or damage to the car from the insurance provider.
• Motor insurance coverage is a legal requirement under UAE law across all the Emirates. Beyond that, it also gives you peace of mind.
• Driving without a valid policy can result in a traffic fine of AED 500 along with 4 black points being added to your driving licence. Additionally, your vehicle can be confiscated for up to 7 days.
• You cannot renew your Mulkiya without a renewed car insurance policy.

Types of Car Insurance in the UAE

Why Choose Policybazaarinsurance.ae to Buy Car Insurance UAE?

Policybazaarinsurance.ae hosts some of the best plans from leading providers in the UAE, making it easier to get the best car insurance UAE in one place. When you buy a policy from Policybazaarinsurance.ae, you get to enjoy a plethora of benefits, including –

• Instant policy coverage in just a few minutes
• Receive policy on your registered email ID within minutes of buying car insurance online
• Take advantage of benefits like a 30% safe driver discount, 12 free car washes, an excess waiver, and so much more
• Seek guidance and assistance from industry experts

What is Covered and Not Covered under Comprehensive Motor Insurance?

Third-party auto insurance is a basic coverage plan and offers protection against third-party liabilities only. In this section, we will dig deeper into comprehensive car insurance plans and what’s covered and what’s not!

Must-Have Add-ons for Car Insurance UAE

Even if you want more coverage, you cannot buy two plans for one car. However, you can always add some riders to your UAE car insurance. Here are 5 main add-ons for motor insurance —

1. Personal Accident Cover - Offers AED 200,000 compensation for the driver and passenger in case of death or permanent and total disability
2. Natural Calamities Cover - Protects against natural disasters like floods — as long as the car is not parked in areas prone to flooding
3. Car Rental Cover - You get a replacement car while your car is getting repaired
4. Roadside Assistance - It offers services such as towing and flat tyre replacement in emergencies
5. Oman Extension - It covers your vehicle against collision damage in Oman — for third-party liabilities, you would need an Orange card at the border

What Factors Affect Car Insurance in UAE’s Price?

The following are the factors that affect motor insurance premiums —

• Vehicle’s Age and Condition - Well-maintained older vehicles have lower insurance premiums. Unsafe cars or poorly maintained cars have higher premiums.
• Driver’s Age - Drivers under 25 years of age need to pay higher premiums, whereas older, more experienced drivers usually pay lower premiums.
• Types of Car - Your car insurance price in UAE depends on the type of car you drive. A luxury vehicle will always have a higher premium.
• Claims History - The number of claims in the past also determines the premium of your renewed insurance. If you have multiple claims, the premium would be higher; if you have a clean claims history, you would get a safe driver discount.
• Driving History - If you have a clean driving record, you appear to be a safe driver. Consequently, the premium lowers.

Indicative Car Insurance UAE Price Ranges

The UAE car insurance price varies depending on factors like the driver’s record and the type of vehicle you drive. Here is the approximate price range for motor insurance in UAE.

Disclaimer — These prices are for illustrative purposes only. To get a precise amount, use our car insurance calculator!

How Do You Buy Motor Insurance in UAE?

To buy the best car insurance in UAE, continue on Policybazaarinsurance.ae and follow the steps mentioned below —

1

Fill in the application form, Click the button below to access it.

2

You will be directed to the motor insurance quotes page.

3

Compare up to 5 plans at once

4

Once you find the right plan, click on the premium amount to apply

5

Follow the instrutctions as provided

FAQ's