Online Car Insurance in Dubai, UAE | Motor Insurance Quotes & Start @ AED 630*

What is Car Insurance?

Car insurance (also referred to as auto or motor insurance) is a contractual agreement with the insurance company. By paying a premium, you gain peace of mind knowing that the insurance company will cover any loss or damage. This protection helps you manage unforeseen circumstances and maintain your vehicle’s value over time.

This type of insurance is a valuable financial safeguard for your vehicle. With standard car insurance in Dubai, you get coverage for –

Third-party liability or the insured vehicle
Emergency medical expenses and ambulance service
Damage or injuries resulting from an accident

Car Insurance Dubai - Why is it Mandatory?

As per RTA's strict guidelines, car insurance Dubai is mandatory. You can face serious consequences on driving without this type of coverage. The authorities issue 4 black points against your driving licence. Other consequences include -

Fine of AED 500
Vehicle impoundment for 7 days
Causing an accident while not having motor insurance can lead to legal and financial consequences
You cannot renew your Mulkiya without a valid insurance

Top UAE Car Insurance Plans - 2025

Some of the cheapest car insurance quotes in Dubai, the UAE are:

*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

At Policybazaar.ae, we believe a smooth ride begins with true peace of mind.That’s why we go beyond selling motor insurance — we offer a seamless, end-to-end experience. It starts with helping you choose the right policy and continues long after you’ve hit the road. With our exclusive Claim Assurance, we’re redefining how UAE experiences claims. From a dedicated claims concierge to real-time claim tracking, we bring transparency and genuine human support to the forefront. Because at Policybazaar.ae, insurance isn’t just about coverage — it’s about confidence, care, and commitment.

Toshita Chauhan Chief Business Officer - General Insurance

Types of Car Insurance Plans in Dubai & the UAE

Motor insurance in Dubai is available in two types — third-party liability and comprehensive insurance. Both these types have different degrees of coverage and benefits.

Third Party Car Insurance

Third-party plans provide the most basic level of coverage. It covers damages that your car causes to third parties’ property, life, and vehicle. This type of coverage is ideal if you just want to meet legal requirements and get basic cover at affordable rates. However, it’s important to note that these plans don’t cover damages or losses related to your own vehicle

Comprehensive Car Insurance

Comprehensive plans cover more than just third-party liabilities. They also provide coverage for the insured vehicle against damages or losses related to accidents, fire, vandalism, or theft. This is suitable for those who want complete peace of mind. While these plans cost more than the third-party ones, their comprehensive coverage ensures better financial protection.

Third Party Vs Comprehensive Car Insurance

Table below shows a comparative overview of Third‑Party Liability and Comprehensive motor insurance in Dubai & UAE.

Features	Comprehensive Insurance	Third‑Party Liability
Third‑party Vehicle Damage	✅	✅
Third‑party Bodily Injury	✅	✅
Accidental Damage to the Insured Vehicle	✅	❌
Theft or Fire Damage to the Vehicle	✅	❌
Natural Calamity Cover (optional)	✅	❌
Personal Accident Cover (optional)	✅	✅
Premiums	🔼 Higher	🔽 Lower

Why Choose Policybazaar.ae for Car Insurance in Dubai?

You can get a wide range of benefits when you buy car insurance in Dubai from our platform.

Instant Issuance

Personalised expert advice

Guaranteed low prices

Customer satisfaction

Here are just 4 reasons why:

Get the policy on your email ID in just few minutes when you buy car insurance online from us.
Enjoy access to dedicated industry experts who can resolve your doubts and enable an easy purchase.
Buy affordable motor insurance in Dubai with exclusive offers like 30% safe driver discount*.
With customer satisfaction as a priority, Policybazaar.ae has built more than 1.5 million+ trusted customer base and has sold over 750K+ policies.

Bonus - Take advantage of world-class after-sales service including 24/7 claim assistance

What’s Covered vs Not Covered Under UAE Car Insurance?

✔️ Third-Party Damage

Covers the repair costs of damages done to someone else’s car by your insured car.

✔️ Damage to Insured Vehicle

Covers the repair cost of the damaged insured vehicle

✔️ Emergency Medical Expenses

Pays emergency medical costs that you and your passengers incur in case of an accident

✔️ Fire & Theft Cover

Offers coverage for vehicle damage in case of fire or theft of your vehicle.

✔️ Third-party Liability

Coverage for legal and financial liabilities that arise from third-party injuries or death.

What are the Riders for Car Insurance in Dubai and the UAE?

You can always upgrade your UAE car insurance by adding riders or add-ons for a nominal additional premium. With add-ons, you get extra protection for your insured vehicle. Some of the most common riders are –

Personal Accident Cover –

Personal Accident covers the life of passengers and the driver in the insured vehicle. If a person dies or becomes permanently disabled in an accident, a compensation of AED 200,000 is provided. Note: You should not exceed the passenger limit. Otherwise, the coverage may become void.

Natural Calamities Cover –

It financially protects your car against damage related to natural disasters like floods, sandstorms, or earthquakes. However, you cannot deliberately drive or park your car in a prone area

Car Rental Cover –

When your car is getting repaired after an accident, you get a replacement rental car. This way, your daily travel is not hampered.

Roadside Assistance –

If your vehicle breaks down suddenly, this service comes to the rescue. Your car will be towed to the nearest authorised garage. Roadside assistance offered under this benefit include flat tyre replacement, breakdown recovery, battery jump-start, and more.

Oman Extension –

Oman Extension rider is for frequent travellers to Oman. It covers your vehicle against damage related to collisions in Oman. For third-party liabilities, however, you need an Orange card.

How to Compare Car Insurance in Dubai, UAE?

Buying car insurance in UAE is easy when you first compare your options and make an informed choice. With platforms like Policybazaar.ae, you can easily compare and buy car insurance online in a matter of a few minutes.Here’s how you can compare motor insurance in Dubai, UAE.

Evaluate Your Requirements

Before starting, it’s important to understand your insurance requirements. Assess the type of coverage you need, your vehicle’s value, and your driving record to start the comparison.

Keep Your Documents Ready

To ensure a smooth process, keep all the necessary documents handy. It includes vehicle details like vehicle information, driver information, insurance record, and other financial details.

Compare Insurance Providers

On our portal, you can compare plans from the leading insurance companies in the country. Explore the car insurance plans for their coverage type, premium costs, and other benefits.

Assess the Coverage You Want

Check whether you want a third-party or comprehensive coverage. Also, consider the additional benefits you need and more.

Go Through Reviews

Before making a decision, you can go through online reviews. This can help you figure out the company's customer care service, claim processing efficiency, and overall satisfaction.

Explore Discounts and Offers

Before policy purchase, make sure you check out discounts and offers if available. Discounts can reduce the premium considerably.

Top Car Insurance Provider Comparison - Dubai & UAE (2025)

Here's the list of the top car insurance providers in Dubai & the UAE.

Features	Sukoon Insurance	GIG Gulf Insurance	Watania Takaful	Qatar Insurance Company	TMNF Insurance
Coverage Type	Comprehensive & Third-Party Liability	Comprehensive & Third-Party Liability	Comprehensive & Third-Party Liability	Comprehensive & Third-Party Liability	Comprehensive & Third-Party Liability
Premium (Third Party)**	AED 651	AED 710	AED 723	AED 788	AED 785
Roadside Assistance	✅	✅	✅	✅	✅
Third-Party Liability	✅	✅	✅	✅	✅
Personal Accident Cover (optional)	✅	✅	✅	✅	✅
Agency Repair	Covered as per the plan requirement	Covered as per the plan requirement	Covered as per the plan requirement	Covered as per the plan requirement	Covered as per the plan requirement
Shariah Compliant	❌	❌	✅	❌	❌
Windscreen Cover	✅	✅	✅	✅	✅
Oman Extension (optional)	✅	✅	✅	✅	✅

**Indicates the starting price and for reference only

List of Cheapest Car Insurance Plans in Dubai,UAE- 2025

Since such type of insurance plan is mandatory in the UAE, it is crucial to choose a policy wisely. Always opt for plans with maximum coverage at economical premiums to get the best deal. To ease your research and make an informed decision, we have provided you with a list of some affordable vehicle insurance plans in Dubai, UAE.

Insurer Name	Third-Party Price(in AED)	Comprehensive Price(in AED)
Sukoon Insurance	630	1470
RAK Insurance	630	1523
Watania Takaful Insurance	630	1575
Salama Insurance	651	1680
Tokio Marine Insurance	735	1801
GIG Gulf Insurance	738	1523
Alliance Insurance	788	1365

*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

UAE Motor Insurance Premium Calculator

Computing insurance premiums on your own can be a huge hassle. What you can do instead is use our auto insurance calculator to get an estimate. Policybazaar UAE insurance premium calculator is an expertly crafted, online computation tool that helps in determining the estimated auto insurance premiums for your policy. Here is a list of steps you can follow to use our car insurance calculator:

Step 1 - Starting from the top-left enter your car brand, year of manufacturing, model and the exact variant.
Step 2 - Once you enter these details, the estimated auto insurance premium for policies suiting your vehicle will be displayed on the bottom-left side of the calculator.
Step 3 - The computations can be changed by changing any of the four variables in the Policybazaar UAE insurance calculator.
Step 4 - You can also click & view plans to view the most suitable car insurance plans.

Get the Best Car Insurance Quotes from Top Leading Motor Insurers in UAE

Choose Cheap Car Insurance Company in UAE - 2025

Here's a list of cheap car insurance in Dubai and the rest of the UAE with what it has to offer. Before choosing the car insurance, make sure that you compare the quotes, check out the coverage options, and premiums. Discover the cheapest car insurance companies now!

Insurance Company	Types of Insurance Plans Offered	Quotes
ADNIC Insurance	Platinum Cover Gold Cover Standard Cover
GIG Gulf Insurance	Comprehensive Insurance cover, Third-Party Liability Cover
Liva Insurance (Previously RSA Insurance)	Motor Executive (Comprehensive), Motor Smart (Comprehensive), Motor Value (Third-Party)
Sukoon Insurance	Comprehensive Cover Third-Party Insurance InsureMyTesla High Net Worth Covers (premium covers for luxury cars/vehicles)
Watania Takaful Insurance	Comprehensive Insurance, Third-Party Liability Insurance
Orient Insurance	Comprehensive Plans, Third-Party Liability Plans
Salama Insurance	Comprehensive Plans
Tokio Marine Insurance	Comprehensive Plans
New India Insurance	Third-Party Plans, Comprehensive Plans
RAK Insurance	Comprehensive and Third-Party liability

How to Save Money on Car Insurance Online in Dubai,the UAE - 2025

Finding the best motor car insurance plan for your car in the UAE can be a lengthy process. However, there are a few simple tips you can adopt to make sure you choose nothing but the best for your ride. Here's how you can find the best car insurance in UAE :

Evaluate Your Needs: Every driver-owner has a set of unique needs which means that your ideal auto protection plan needs to be customized. So, to get the right Car insurance in Dubai for your car is to evaluate your needs. See what you want your vehicle protection plan to cover and find out whether there is anything special you would like to add. For example, if you take your car on dune safaris often, an off-road cover is a must for you. Make a list of all such unique covers your car requires and then start searching for a plan that can satisfy them all.
Scout Through Providers: Finding the best insurance companies in Dubai or any other emirate is very important. Read vehicle insurance reviews online, talk to your fellow car owners about their auto insurance providers. Choose the one with fair goodwill at the least. Make notes of everything from their plans to the claim settlement process and customer service.
Obtain a Few Quotes: Go ahead and get online motor insurance quotes in Dubai for at least your top 3 plans. Compare these final car insurance quotes for Dubai, UAE and find out which insurance plan is the most cost-effective. Comparison of your top options is one of the most important steps to finding the best auto insurance in the UAE.
Research as Per Your Emirate: If you reside in Dubai, concentrate on finding the best insurance companies in Dubai instead of the whole of UAE. This will narrow down your scope of research and make it easier to find providers specific to your area.
Check The CSR:Claim settlement ratio should always be considered before buying an auto protection plan from any particular provider. While you are at it, also find out what kind of claims get rejected or denied the most by the provider. This will give you important insights into the transparency policy of the car insurance provider as well.
Examine the CoverageEvaluate the coverage of your auto insurance plan well and see if it includes everything you need. Get a few add-ons if necessary and find the best possible comprehensive plan for your car.

How to Buy Car Insurance in the UAE?

You can easily buy motor insurance in Dubai on Policybazaar.ae. On this platform, you can find a suitable policy from the pool of plans from the leading insurance companies in the country. The application process is straightforward as well —

Fill out the application form accurately.
You will be directed to the quotes page
Here, you can compare the policies — up to 5 plans at once
Once you find the policy that meets your requirements and budget, follow the instructions on the screen thereafter

We also offer impeccable after-sales services, especially claim service under our PB Advantage Claim Assurance Program.

Tips to Reduce Your Motor Insurance Premium in UAE

You can lower your car insurance premium through some basic hacks -

Analyse Your Riders Carefully - Rather than selecting all the riders, evaluate the ones that you need in your comprehensive coverage plan. For instance, if you are a regular driver, it is better not to buy an off-road coverage rider. Similarly, if you are going to travel within the UAE, don't choose Oman extension cover.
compare car insurance Online - You can easily compare quotes online on portals like Policybazaar.ae. Here, you can compare up to 5 plans at once from over 22 different insurance companies.
Determine Car's Value - Another factor to consider is your car's value. You should determine the real-time value of your vehicle. For this, factor in annual depreciation based on the specific model.
Opt for Higher Deductible - If you are a responsible driver, you can go for a higher deductible. However, in case of an accident, you would need to pay a higher out-of-pocket amount. Thus, you should choose this option only if you have the budget to pay a higher deductible.
Drive Safely - Ensure that you maintain a clean driving record for a lower insurance premium. This means you should drive within the speed limit, adhere to traffic signals, and more. Not having fines and black points against your driving licence can lower the premium as you would be considered a low-risk driver.

Online Car Insurance Renewal in Dubai, UAE

It is important to renew car insurance timely to avoid any penalty as you take your car out on the road. You can get the car insurance renewal done through provider's website or through us. If you bought your current vehicle insurance policy from Policybazaar.ae, the online car insurance renewal process would be smooth. Given below are the steps you need to follow to renew your vehicle insurance UAE:

Log in to your account on Policybazaar.ae and go to your user dashboard.
On your dashboard, you will find a car insurance renewal notification (an exclusive PB feature).
You will get two options - continue with the same plan or switch to a new plan. Choose your option.
If you opt to switch to a new plan, you will be directed to the Quotes page, where you can compare and choose the plan that best fits your needs.
After that, you can click on buy now tab.
Follow the instructions thereon.
Once done, make the payment and get your car insurance policy renewed.

Tips to Renew Car Insurance in Dubai, UAE

Here are some useful hacks to smartly renew your car insurance in Dubai, UAE.

Review your policy to check its validity and coverage. At the time of renewal, decide if you want to make changes to the plan.
Make sure that at the time of renewal, you have the documents handy.
You can also switch the provider if you find better premium rates and more benefits with a different insurer.
Visit third-party aggregators like Policybazaar.ae to compare your options instead of renewing your policy without exploring.
Take advantage of the no-claim bonus if you have not filed a claim in the last few years.

Documents Required to Buy or Renew Car Insurance in UAE

Given below is the complete set of documents you will need to buy or renew your car insurance in Dubai, UAE at any given time. Online purchases may only require you to submit the details with or without scanned versions of the documents. The offline purchase will require you to bring the originals as well as a few copies, as mentioned below:

Registration details of your car including the registration number. Originals are required when making an offline purchase
Engine number, chassis number and other details related to the car
Personal documents and details of the driver for example, driving licenses, address proof, phone number, etc.
A copy of your passport, resident visa & Emirates ID
Number of your previous insurance policy, if you had any

How to File a Car Insurance Claim in UAE?

In case of an accident, nothing is more overwhelming than getting stuck while filing a claim against your car insurance in UAE.With PB Advantage Claim Assurance, however, you can be sure of a stress-free experience. Here's the end-to-end process — from filing the claim to getting it settled — through Policybazaar.ae:

Park your car in a safe spot and check if anyone is injured. For emergencies, call 999 for an ambulance.
Call us at 800 800 001 or WhatsApp 0561454543. Our Roadside Assistance team will reach you — just share your live location.
Use the police app or website, or call 999 to report the accident. Police will assess the scene and file a report.
We will guide you to the nearest approved garage. Our RSA team will tow your car there promptly.
Once the police report is ready, we will help you submit the insurance claim.
With our Claim Assurance, you will get real-time updates from claim filing to vehicle repair completion.

Safest Payment Mode for Car Insurance in the UAE

Credit Card

Debit Card

When you buy motor insurance online from us, you can easily make a premium payment using credit or debit cards. Our platform offers a secure payment gateway. Moreover, your details stay safe with us.

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Frequently Asked Questions about Car Insurance in Dubai & the UAE

Motor insurance is a legal requirement that you need to fulfil if you are a vehicle owner, be it new or used vehicle. Motor insurance in Dubai financially protects your automobile and you in case of third-party liabilities and damage to your vehicle because of an accident, theft, vandalism, or fire.

All car owners must necessarily have an insurance policy in Dubai. If you are caught driving without valid vehicle insurance, you can face penalties such as heavy fines, black points, and vehicle seizure. Apart from it being a legal formality, this insurance ensures your financial well-being in case of any damage occurring to your vehicle or third-party individuals, properties, or vehicles.

Roadside assistance cover is a helpful add-on to include in your insurance policy. If you are stuck in the middle of the road, you can use this add-on to get assistance related to mechanical failure, flat tyre, towing, and so forth.

If you have not claimed any amount for any type of damage during the policy term from your respective insurer, you can get a discount on your premium at the time of renewal. This can help you save a significant amount in premiums.

Although there are a lot of factors that play a deciding role in your car insurance’s premium like age, variant, make, etc. you can easily calculate your premium through online car insurance premium calculator by simply putting in the details like model number, car plate number, etc.

You can verify your car insurance status online by accessing your insurer's online portal dir042-ectly. If you purchased your policy through policybazaar.ae, you can dial 800- 800-001 for assistance or log into your account for more details about your plan.

Simply search for quotes according to your budget and compare them. This process becomes simplified when you apply via Policybazaar.ae. Fill out the lead form with the required info, such as model, the value of the car, current emirate, etc, and submit your details to view the quotes page.

The cheapest car insurance in UAE varies based on different factors - vehicle type, coverage you want, and your driving history. If we talk about coverage preference, third-party motor insurance is the cheapest car insurance. However, this type of insurance only covers liabilities to third parties caused by the insured vehicle. For broader coverage, it is advisable to choose comprehensive car insurance in Dubai, UAE. It is available at cheap rates on Policybazaar.ae and provides coverage for both the insured vehicle and third-party liabilities.

No, comprehensive insurance plans are optional in the UAE. However, third-party liability insurance covers are compulsory.

You are advised to renew your auto insurance in Sharjah, Dubai and the UAE a day prior to the expiration of last year's auto insurance. However, in case you are unable to renew vehicle insurance on time, as per the laws of RTA, you will be granted a grace period of 30 days after the expiration to renew your motor insurance in UAE.

The premium of your car insurance Dubai will be higher if it is recognized as a high-risk vehicle by the insurance company and vice-versa. Since anti-theft devices for cars lowers the risk of theft significantly, installing them significantly lowers the premium of policy that you are buying.

Yes, you can customise your motor insurance policy by including optional coverages or add-ons.& Although motor car insurance add-ons differ from one provider to another, some of the common add ons you can find with comprehensive insurance plans include -

Roadside assistance cover
Personal accident cover (for the driver and passengers)
Oman extension
Vehicle replacement cover
Natural disasters cover, and more.

Your car insurance policy number is a unique identifier specific to your insurance contract. You can locate it by reviewing your policy certificate and schedule or by accessing your insurer's online portal or mobile app. If required, you can contact your insurance company's customer service department or your insurance broker (042-472-904 if purchased through Policybazaar.ae) or agent for assistance.

In the UAE, vehicle insurance is generally linked to the specific vehicle rather than the owner. However, as the facility of car insurance transfer varies as per the company, it is essential to contact your auto insurance provider to know more.

Own damage coverage in auto insurance refers to the financial protection against damages to or loss of your own vehicle resulting from accidents, theft, or fire. The difference between a third-party liability coverage and own damage vehicle insurance, which covers damage or injury to other people or their property.

Note - Own damage cover is automatically included in comprehensive auto insurance plans