Car insurance is a must-have for all car owners in Abu Dhabi. The right car insurance not only provides financial protection but also keeps you out of trouble. However, with dozens of companies offering car insurance in Abu Dhabi, finding the right one can be overwhelming. Let’s help you understand the car insurance policies and find you a reliable service provider.
Car Insurance Policies in Abu Dhabi
Choosing between car insurance policies in the capital largely depends on an individual’s budget and the type of vehicle owned. To make the right decision, you should evaluate your needs beforehand and compare different policy features.
The most offered policies are third-party car insurance and comprehensive car insurance. Each policy has its own set of advantages and drawbacks. Let’s explore them.
Third-Party Liability (TPL) Car Insurance
It is the standard car insurance policy in UAE and is mandatory for all car owners.
Pros
- It is an affordable option.
- It is primarily designed to cover damages caused by the insured to another party’s vehicle or property.
- It protects vehicle owners from potential lawsuits arising from accidents involving third parties.
Cons
- It does not give a cover-up for damages to the insured’s vehicle.
- It does not usually include optional features such as personal accident cover, roadside assistance, or fire and theft protection.
Comprehensive Car Insurance
Comprehensive car insurance Abu Dhabi offers the following pros and cons:
Pros
- It provides extensive coverage of third-party liabilities and protection for the insured’s vehicle.
- It covers damage caused by accidents, fire, theft, vandalism, and even natural disasters like floods or landslides, on certain terms.
- It also includes additional features, like agency repair and roadside assistance.
Cons
- It is more expensive than TPL insurance.
- It is only mandatory for leased or financed vehicles until the loan is repaid, making it optional for most other owners.
Reliable Car Insurance Companies in Abu Dhabi
Let’s explore some of the reliable car insurance companies in Abu Dhabi:
1. ADNIC Car Insurance
With years of experience under its name, Abu Dhabi National Insurance Company ( ADNIC) offers customisable motor insurance plans. Their motor plan includes damage repair, off-road assistance, and a wide repair network.
ADNIC’s three insurance policies, including Standard, Gold, and Third-party policy cover everything you need at the best price.
Location
Khalifa Bin Zayed The First Street, Abu Dhabi, UAE
Opening Hours
- Monday to Thursday: 08:00 AM to 05:00 PM
- Friday: 08:00 AM to 12:00 PM
Contact Information
- Phone:+971 2 408 0100
- Email: info@adnic.ae
2. ESANAD Insurance
Esanad, known for enhancing the insurance experience, has brought change to this industry offering tailored motor insurance plans with various benefits which include:
- Lock Out Service
- No claim bonus
- Discounted IDL
- Online claim Management
- Off-road cover
- Vehicle registration service
- Battery boost service
- Natural peril coverage
- Courtesy car cover
- Roadside assistance
Location
Al Danah, Abu Dhabi, UAE
Opening Hours
Monday to Sunday: 24 Hours
Contact Information
- Phone: +971 02 610 9000
- Email: hello@esanad.com
3. ADCB Car Insurance
ADCB provides competitive and budget-friendly rates on car insurance quotes. The application can be made easily online through ADCB personal internet banking. ADBC provides multiple benefits including up to 3 years of agency repairs with a 5% no-claim discount on renewals.
They also offer up to AED 5 Million as third-party property damage and personal belonging cover-up up to AED 6,500 as well.
Location
Zayed The First Street, near ADNOC Distribution, Al Danah, Zone 1, Abu Dhabi
Opening Hours
- Monday to Sunday: 08:00 AM to 03:00 PM
- Friday: 08:00 AM to 12:00 PM
Contact Information
600 50 2030
4. Al Raha Insurance Broker LLC
Al Raha Insurance offers one of the best vehicle insurance policies in Abu Dhabi at reasonable prices. It also allows clients to customise their policies according to their needs, covering comprehensive and third-party insurance.
Location
Al Falah Street, Al Danah Area, Musallam Al Mazrouei Building, Suzuki Building, Office M1, Abu Dhabi
Opening Hours
Monday to Sunday: 08:30 AM to 06:00 PM
Contact Information
- Phone: +971 2 887 0198
- Email: info@alrahaib.com
5. Al Buhaira National Insurance
Al Buhaira is a reliable insurance provider in the UAE’s capital that offers economical solutions for car insurance. It offers extensive coverage, hassle-free claims, and excellent customer service.
Location
Corniche Road, Al Danah, Zone 1, Abu Dhabi
Opening Hours
Monday to Friday: 08:30 AM to 05:00 PM
Contact Information
- Phone: +971 2 622 6200
- Email: care@albuhaira.com
FAQs
Although the car insurance depends upon the vehicle owned, the average premium rate is 2.35% of the car value. Multiple other factors may influence this value such as driver’s data, the number of insurance claims filed previously, and the car type, among others.
Car insurance is mandatory for all car owners in the UAE, including Abu Dhabi. It is a requirement to ensure financial protection in case of vehicle damage and accidents.
The required documents for applying for car insurance include:
– Emirates ID
– Driver’s licence
– Car registration
– Vehicle inspection certificate
– Bank approval letter for new car insurance and
– Papers of previous registration in case of buying a second-hand car
That is all about car insurance in Abu Dhabi. Now that you are equipped with essential knowledge about car insurance policies and top providers in Abu Dhabi, you can make a well-informed decision. Choose wisely and drive safely!
For more on buying a car in Dubai, Abu Dhabi, or other Emirates, stay connected with the Property Finder blog.
