Car insurance is one of the most important parts of vehicle ownership. UAE not only offers a wide variety of top-notch transport facilities, but it also mandates car insurance to protect drivers and their vehicles. Choosing the right policy can be daunting, but our easy-to-follow guide helps you explore the best car insurance in UAE.
Policy Types for Car Insurance in UAE
Insurance depends on a lot of factors such as the driver’s age, the car’s model and additional coverage options. Purchasing insurance requires careful assessment of individual needs, policy coverage and rates. Choose wisely as it is an important long-term investment.
Firstly, you should understand the types of car insurance policies in the UAE. Majorly, there are two types of car insurance policies. Various companies offer customisable coverage and add-ons as well.
There are two primary categories of car insurance in UAE:
1. Comprehensive Car Insurance Policy
This policy protects against third-party liabilities and damages to your vehicle. It covers losses due to unforeseen accidents including theft, fire, accidental collisions, natural disasters and damage caused by animals or civil unrest like riots or protests.
However, it should be noted that a comprehensive policy is more expensive. Additional benefits can be included such as repairs, no-claim bonuses and GCC coverage.
2. Third-Party Liability Policy
This type of insurance policy is made mandatory by the UAE government. The third-party liability policy is comparatively less expensive than the comprehensive plan.
It covers bodily injury or death to third parties and damage to their property caused by your vehicle. However, it does not include coverage for your automobile. This sort of coverage is only provided when the other party is at fault, in which case you claim from their insurer.
Top Companies Offering Car Insurance in UAE
Looking for a reliable car insurance provider? You’re in the right place! Keep reading as we have shortlisted the top companies for car insurance in UAE to help you make an informed choice.
1. Sukoon Insurance
Sukoon Insurance offers diverse options by offering a range of car insurance plans. Whether you own an old model or a luxury car, Sukoon Insurance provides flexibility in its policies to cater to everyone’s needs. Additionally, it is also one of the top home insurance companies in Dubai.
Types of Motor Insurance Plans
- Comprehensive cover
- Fire and theft cover
- Third-party liability cover
- Extension for personal accidents (available for all plans)
Cities Covered
- Abu Dhabi
- Sharjah
- Ajman
- Ras Al Khaimah
Location (Head Office)
Sukoon Building, Omar Bin Al Khattab Street, Next to Al Ghurair Mall
Deira, Dubai, UAE
Opening Hours
Monday to Friday: 08:00 AM to 05:00 PM
Contact Information
- Head Office: 04 233 7777
- Email: service@sukoon.com
2. GIG Gulf
With years of experience, GIG Gulf offers budget-friendly options for car insurance with added benefits. Its branches are spread across the UAE providing 24/7 customer support.
Types of Motor Insurance Plans
- Comprehensive Motor Prestige
- Adaptable Motor Perfect
- Low-cost Motor Third Party
Cities Covered
- Dubai
- Abu Dhabi
- Sharjah
Location
Churchill Executive Tower, Business Bay, Floor 39, Dubai, UAE (https://maps.app.goo.gl/wT1d8pzJUqHHo2Bq8)
Opening Hours
Monday to Friday: 08:00 AM to 05:00 PM
Contact Information
+971 4 507 4085
3. Watania Takaful
Watania Takaful offers affordable motor insurance options. It strives for efficient claim services, 24/7 roadside assistance, agency repairs, no-claim discounts and replacements in case of accidents or thefts.
Cities Covered
- Dubai
- Abu Dhabi
- Sharjah
Location
Watania Takaful, Jebel AIi, Dubai, UAE
Opening Hours
Monday to Sunday: 08:00 AM to 07:00 PM
Contact information
- Phone: +971 800 928 2642
- Email: info@watania.ae
4. Shory
Shory offers one of the best insurance deals from the top providers at competitive prices. It ensures customer satisfaction and competitive prices. At Shory, you can make motor insurance purchases through different methods including online payments and interest-free installments.
Location
Sky Tower, Office 1006, Al Reem Island, Abu Dhabi, UAE
Opening Hours
Monday to Sunday: 08:00 AM to 10:00 PM
Contact Information
800 SHORY (74679) | +971 800 74679
5. Buy Any Insurance
Buy Any Insurance allows its clients to apply for quotations and compare and select the best insurance plan for their cars. They also offer additional benefits with their insurance plan including
- Personal accident cover
- Personal belonging coverage
- Agency repairs
- 24/7 road assistance
Locations
1406, DAMAC Smart Heights, Barsha Heights, Dubai, UAE
Opening Hours
Monday to Saturday: 09:00 to 08:00 PM
Contact Information
+971 045851174 | +971 501465160
6. ADNIC
Abu Dhabi National Insurance Company offers its services all across the UAE. It promises quick and easy claims, customisable policies, replacements, and repairs.
Types of Motor Insurance Plans
- Gold Plan
- Standard Plan
- Third-party liability Plan
Cities Covered
- Abu Dhabi
- Al Ain
- Dubai
- Sharjah
Location
Mohamed Bin Khalifa Street, Al Danah, Zone 1, 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
+971 2 408 0100
7. Al Buhaira National Insurance Co.
Al Buhaira is a known name in the insurance industry, especially its fleet insurance plans. It offers financial protection with its reasonable policy plans.
Types of Motor Insurance Plans
- Comprehensive car insurance
- Third-party car insurance
Cities Covered
- Sharjah
- Dubai
- Abu Dhabi
- Al Ain
- Ajman
- Fujairah
- Hatta
- Kalba
- Khor Fakkan
- Al Dhaid
- Umm Al Quwain
- Ras Al Khaimah
Location
Buhaira Tower, Corniche Street, Opposite Noor Mosque Buhaira, Al Majaz 1, Al Majaz, Sharjah, UAE
Opening Hours
Monday to Friday: 08:30 AM to 05:00 PM
Contact Information
+971 6 517 4444
8. Salama
Salama’s Auto Insurances offers amazing rates for car insurance. It’s a trusted provider which excels in prioritising quality and ensuring hassle-free solutions.
Types of Motor Insurance Plans
- Third-Party Liability
- Comprehensive
Cities Covered
- Dubai
- Sharjah
- Al Ain
- Abu Dhabi
Locations
4th Floor, Block A, Spectrum Building, Oud Metha, Sheikh Rashid Road, Dubai, UAE (https://maps.app.goo.gl/2v9QfH9dbR7HsCX38)
Opening Hours
Wednesday to Friday: 08:00 AM to 05:00 PM
Contact Information
- Phone: 800-725262
- Email: info@salama.ae
FAQs
Car insurance in the UAE varies based on multiple factors like car model, customer needs, driver’s age, and more. However, the average cost ranges from AED 400 to AED 5,000, depending upon the policy type.
Yes, Car insurance is mandatory for every car owner in the UAE. It is a legal requirement in all cities of the UAE and ensures your eligibility to drive.
The comprehensive insurance cover is the cheapest option but the prices vary depending upon the optional add-ons and individual plans.
When you buy a car in Dubai, Abu Dhabi, or other Emirates, it is important to get the right insurance with it as well. We advise you to explore your options to make the right long-term choice by opting for an insurance policy from a reliable provider.
Explore the Property Finder blog for more on insurance policies in the UAE.
