Best Car Insurance Companies in Dubai, UAE

In order to choose the best, you need to have at least working knowledge of all the top options in front of you. The same goes for the car insurance companies of UAE. There are several options that you can choose from, naturally, and we have picked the best 10 out of them to help you zero down to one that’s best for you. Following is a comprehensive layout of the top car insurance providers of the UAE with a brief introduction of plans and benefits that they offer:

 

 

Top 10 Car Insurance Companies in Dubai, UAE - (2024)

Most of these plans listed by Best car insurance companies in Dubai and UAE include common offerings of geographical cover of UAE and Oman, agency repairs ranging from 3-5 years, and 24x7 accident & breakdown recovery services along with emergency roadside assistance by default. Let's dive into the other specifics for you to decide even better.

1. Sukoon Insurance

With an industry presence of more than 48 years, Sukoon Insurance is one of the best car insurance companies in Dubai, UAE. It offers quick and effective insurance solutions including claim processing and customer service. This car insurance company in UAE pays about AED 2 billion claims every year and has a customer satisfaction rate of 86%. Around 700 professionals are serving all your insurance needs. 

Here are its motor insurance plans —

Sukoon Comprehensive Car Insurance
Standard Cover	Additional Benefits	Optional Cover
Third-party Bodily Damage Third-party Property Damage Loss of Use Allowance Ambulance Benefit Loss or Damage to Own Vehicle	Off-road Cover Emergency Medical Expenses Territorial Expansion Cover Natural Disasters, Flood, Riots, Storm, Strikes, and Civil Commotion Windscreen Damage Roadside Assistance Valet Parking Theft Personal Injury Personal Belongings Replacement of Locks Auto Gap read more	Personal Accident Benefit Courtesy Car Cash Benefit Rent-a-Car Benefit

Sukoon Privilege Motor Insurance
Standard Cover	Additional Covers	Optional Covers
Agency Repairs Third-party Property Damage Bodily Injury Loss or Damage of Vehicle Ambulance Cover Loss of Allowance	Courtesy Car Off-road Cover for 4x4 Personal Accident (for Driver and Passengers) Coverage Expansion to Oman Personal Injury Personal Belongings Replacement of Locks Auto Gap Roadside Assistance Emergency Medical Expenses Natural Disaster Windscreen Damage Valet Parking Theft read more	Track Day Europe Extension

Click here to Buy Sukoon Car Insurance

2. GIG Gulf Insurance

This car insurance company in the UAE is one of the largest insurance providers in the MENA region. You can choose this company for both third-party and comprehensive motor insurance plans. With over 70 years of industry experience, this motor insurance provider specialises in customisable insurance plans. GIG Gulf Insurance Company is vouched for its transparent claim and round-the-clock customer support, which has garnered the trust of millions. 

Check out the car insurance plans from this provider —

Motor Prestige

Motor Perfect

Complete Vehicle Protection - Protection against damage or loss Third-party Liability - Cover for bodily injury and property  Complete Protection against Environmental and Criminal Disasters - Theft, flood, strike, fire, storm, and riot Personal Injury Coverage Emergency Medical Cover Personal Belongings Protection Assured Repairs and Agency Repairs - for up to 5 years Comprehensive Benefits including windscreen damage waivers, 24/7 accident recovery, convenient pick-up and drop-off services, GCC coverage Total Loss Benefit Wider Geographical Coverage – Oman and off-road car insurance

Vehicle Damage Protection - Cover against loss or damage Wide protection - From natural disasters to theft Preservation of Personal Assets Flexible Repair Options - Agency repair for up to 5 years Third-party Liability - Bodily injury and property damage Personal and Medical Protection Oman and Off-road Insurance Total Loss Protection, Optional Hire Car Benefits, and Pick-up and Drop-off Services

Click here to Buy GIG Gulf Car Insurance

3. Al Sagr National Insurance

Founded in 1979, this is one of the top 10 best car insurance in the UAE. With more than 40 years of industry experience, Al Sagr National Insurance has insured more than 150,000 vehicles. With a B+ rating from A.M. Best Europe - Rating Services Limited, Al Sagr National car insurance company in Dubai, UAE is a highly reliable one. 

The comprehensive vehicle insurance plan for this company includes the following benefits —

• Loss, Damage, and TPL (Comprehensive) Insurance
• Agency Repair - Up to 3 years from the date of vehicle registration at the authorised dealership
• Outside Agency Repair - Up to 10 years from the date of vehicle registration
• Damage to Items and Properties
• Bodily Injury Cover
• National Ambulance Service
• No Claim Discount 
• Personal Accident Cover
• UAE Accident Towing Service
• Battery Boost Service
• Lock Out Service
• Mechanical Breakdown Towing Service
• Flat Tyre Service
• On-Road Emergency Fuel Delivery

Click here to Buy Al Sagr National Car Insurance

4. Al Fujairah National Insurance Company (AFNIC)

With more than 45 years of industry experience, AFNIC is one of the top 10 car insurance companies in the UAE. Its motor plans can be tailored to suit your requirements, while its quick and smooth claim settlement process has enabled it to settle 99.45% of claims filed. This car insurance company in the UAE provides the best car insurance in the UAE with excellent claim service in the country. 

The table below details the features of AFNIC comprehensive car insurance -

Inclusions	Add-ons
Agency Repair Damage to the Insured Vehicle Third-party Liability Fire and Theft Cover	Personal Accident Cover for Driver and Passengers Oman Cover with Orange Card Natural Disaster Cover Emergency Roadside Assistance

The insurance provider offers two types of covers - 

• Agency repair cover
• Non-agency repair cover

The cover includes protection against damage to the insured vehicle due to an accident like overturning, collision, external explosion, self-ignition, malicious act of third party, lightning, burglary or theft, and more. 

Click here to Buy AFNIC Car Insurance

5. Watania Takaful

Watania Takaful is one of the best car insurance companies in the UAE.This car insurance company in the UAE is listed on the Dubai Financial Market (DFM) and is known for its quick and efficient claim service. A Sharia-compliant company, Watania offers comprehensive car insurance plans in the UAE. 

The following table depicts the features of Watania Takaful car insurance in the UAE -

Inclusions	Add-ons
Third-party Liability Damage to the Insured Vehicle Riots/MD/Strikes Windscreen Excess Waiver Ambulance Service Auto Gap Lock Replacement Off-road Cover Child Car Replacement Emergency Repair Expense Loss of Personal Belongings Emergency Medical Expenses Taxi Fares Personal Injury Valet Parking Cover Fire and Theft Cover Off-road Recovery Car Hire Cash Benefit read more	Personal Accident Benefit  Natural Calamity Cover Vehicle Replacement Oman Cover Extension Roadside Assistance

Click here to Buy Watania Takaful Car Insurance

6. Adamjee Insurance

As one of the best car insurance companies in the UAE, Adamjee Insurance has an industry expert of over 62 years. Offering a seamless claim process and round-the-clock customer care service, its dedication to providing insurance solutions has made it “Asia’s 200 Best Under a Billion Dollar” Best Company by Forbes in 2016. 

Here are the key features, benefits, and exclusions of the auto insurance plan offered by Adamajee –

Features and Benefits	Add-ons	Exclusions
Third-party Damage  Third-party Liability Damage to Own Vehicle MD/Strikes/Riots Ambulance Service Windscreen Excess Waiver Fire and Theft Cover	Personal Accident Cover for Drivers and Passengers Natural Calamity Cover Replacement of Vehicle Roadside Assistance - Mechanical Assistance Lockout Service Fuel Delivery Service Off-road Recovery Car Registration Service Battery Service Flat Tyre Service Towing Service International Driving Licence Discount read more	Loss of Personal Belongings New Car Replacement in Case of Total Loss — Auto Gap Lock Replacement Agency Repair Emergency Medical Expenses Involuntary Loss of Employment Insurance Valet Parking Theft Cover Airport Pick and Drop Service

Click here to Buy Adamjee Car Insurance

7. Tokio Marine Insurance

Widely recognised among the top 10 best car insurance in the UAE, Tokio Marine has a strong holding in the country. It has solid financial stability and has a rating of A+ from Standard & Poor, and Aa3 by Moody’s (as of April 2020). The insurance solutions of Tokio Marine present an affordable way to secure your car in case a mishap occurs on the road or if the car gets stolen. 

Find out more about Tokio Marine car insurance plans in detail below — 

Inclusions	Add-ons
Third-party Damage  Damage to Own Vehicle New Car Replacement in case of Total Loss Off-road Cover Fire and Theft Cover Accident and Breakdown Recovery Personal Injury Loss of Benefit Allowance Self-Authorisation Repairs Ambulance Service Riots/MD/Strikes Emergency Medical Expenses Loss of Personal Belongings Windscreen Damage Valet Parking Theft Cover read more	Personal Accident Cover for Drivers and Passengers Natural Calamity Cover Oman Cover (for own vehicles) Roadside Assistance - Battery Service Flat Tyre Service Off-road Recovery Lockout Service Towing Service

Click here to Buy Tokio Marine Car Insurance

8. Abu Dhabi National Takaful Company (ADNTC)

Established in 2003, Abu Dhabi National Takaful Company is a leading Islamic insurance company. For the 8th year in a row, this best car insurance company in the UAE received a financially stable rating of “A-” by A.M. Best. ADNTC operates across the entire UAE with offices in Al Ain, Abu Dhabi, and Dubai. It offers excellent Motor Takaful plans to meet your distinctive needs. 

The details about comprehensive ADNTC Motor Takaful are discussed below —

Loss or Damage to Own Vehicle	Third-party Liability	Additional Covers
Due to  Accidental Collision or Overturning Fire Theft or Burglary Third Party’s Malicious Act	Death or Bodily Injuries  Damage to Materials and Property	Agency Repair  Coverage For 13 Months Without Extra Premium No Claim Bonus Discounts Free Emergency Roadside Assistance Free Accident Towing Service Free Mechanical Breakdown in Towing Service Free Battery Boosting Flat Tyre Fixing Fuel Delivery Lookout Service Free Rent-A-Car For 24 Hours in Case of an Accident Free Roadside Assistance Free Car Registration (Once a Year) Emergency Medical Expenses Protection of Personal Belongings read more

Click here to Buy ADNTC Car Insurance

9. Salama Takaful Insurance

With a strong industry presence of more than 45 years, Salama Takaful Insurance is one of the top 10 car insurance companies in the UAE and offers a huge range of Sharia-compliant insurance products. Salama was established in 1979 and has been a shining star of the Takaful insurance industry from the very beginning.It provides coverage of around AED 10 billion and has won 50 awards in over 5 years and also offers wonderful comprehensive car insurance plans with a variety of benefits and add-ons as added benefits to the customers making it one of the best car insurance companies to go with.

Inclusions	Add-ons
Third-party Liability Damage to Own Vehicle Loss of Personal Belongings Emergency Medical Expenses Auto Gap Valet Parking Cover Child Car Seat Replacement  Car Registration Service Windscreen Damage Ambulance Service Lock Replacement First and Theft Cover read more	Personal Accident Cover  Natural Disaster Cover Vehicle Replacement Roadside Assitance

Click here to Buy Salama Takaful Car Insurance

10. Liva Insurance

One of the top names for those seeking the best car insurance in the UAE, Liva Insurance is known for its dynamic car insurance solutions. The company has its operations across major GCC markets — the UAE, Oman, Bahrain, Saudi Arabia, and Oman. With over 60 years of experience in serving its customers in the UAE, Liva Insurance has been a big part of the insurance field in the country. The original roots of the company were established some 300 years ago. A very reliable car insurance company in the country, RSA has been functioning in UAE since 1956 and offers a variety of different car insurance plans with a comprehensive list of benefits, as explained below.

Here are the best car insurance plans in the UAE offered by this provider and their key features -

Motor Executive	Motor Smart	Motor Value
Vehicle Inspection Ambulance Cost Oman Extension Driving Another Car Emergency Repairs Basic Cover Personal Injury Taxi Fares Lock Replacement  Perils of Nature Windscreen Protection Personal Accident Benefits for Drivers and Passengers Temporary Rent-a-Car Agency Repairs Document Handling Third-party Liability for Property Damage No Claims Discount Emergency Medical Expenses Garage or Valet Parking Personal Possessions Third-party Liability for Family or Passengers Loss or Damage to Own Vehicle Off-road Cover New Vehicle Replacement Access to GCC Countries No Claim Discount Protection Breakdown Recovery read more	Vehicle Inspection Ambulance Cost Oman Extension Driving Another Car Emergency Repairs Basic Cover Personal Injury Taxi Fares Lock Replacement Natural Perils Windscreen Protection Document Handling Third-party Liability of Property Damage No Claims Discount Emergency Medical Expenses Garage and/or Valet Parking Personal Possessions Third-party Liability for Family or Passengers Loss or Damage to Own Vehicle Off-road Cover New Vehicle replacement Personal Accident Benefits for Passengers read more Add-ons Agreed Value Cover Using Car in GCC Countries No Claim Discount Protection Breakdown Recovery Personal Accident Cover for Driver Temporary Rent-a-Car Agency Repair	Ambulance Cost Oman Extension Basic Cover Personal Accident Benefits for Passengers Third-party Liability for Property Damage No Claim Discount Off-road Cover   Add-ons  Damage to Self Breakdown Recovery Personal Accident Cover for Drivers

Click here to Buy Liva Car Insurance

Other Best Car Insurance Companies in the UAE

Besides the top 10 companies listed above, here are two other names regarding the best car insurance companies in Dubai, UAE. 

• Abu Dhabi National Insurance Company (ADNIC)
• Al Buhairah National Insurance Company (ABNIC)

1. Abu Dhabi National Insurance Company (ADNIC)

Founded in 1972, Abu Dhabi National Insurance Company is one of the best car insurance companies in the UAE. Based out of Abu Dhabi, ADNIC offers an array of commercial and personal insurance solutions. The company has a solid financial standing of A by Standard and Poor. 

Here are the key details of the plans regarding the best car insurance in UAE from ADNIC —

Gold	Platinum	Standard
Agency Repair for up to 2 Years Comprehensive Cover for up to 8 years Third-party Liability Property Damage — Up to AED 3,500,000 Off-road Assistance (4-wheel drive) Roadside Assistance Services Loss of Personal Belongings Car Replacement Natural Perils and SRCC Waiver of Depreciation Lock and Key Replacement	Agency Repair for up to 3 years Comprehensive Cover for up to 8 years Third-party Liability Property Damage — Up to AED 5,000,000 Off-road Assistance (for 4-wheel drive) Loss of Personal Belongings Damage from Valet Parking Roadside Assistance Services Car Replacement Natural Perils and SRCC Depreciation Waiver PAB Cover (for Free) Emergency Medical Expenses Free Orange Card read more	Agency Repair for up to 1 year Comprehensive Cover for up to 8 years Third-party Liability Property Damage — Up to AED 2,000,000 Third-party Bodily Injury or Death Car Replacement Roadside Assistance Services Loss of Personal Belongings Windshield and Window Damage Cover

Click here to Buy ADNIC Car Insurance

2. Al Buhairah National Insurance Company (ABNIC)

Another one considered the best car insurance company in the UAE, Al Buhairah was established in May 1978. ABNIC comprehensive insurance plans and quick claim settlement process have made it one of the most distinguished companies in the percentage of domestic investments inside the country by the Insurance Authority in 2020. 

Here are the types of ABNIC’s best car insurance in Dubai, UAE -

Standard Policy	Gold Policy
Personal Accident Benefit Roadside Assistance	Personal Accident Benefit Roadside Assistance Strike, Civil Commotion, and Riot Emergency Medical Expenses Lock Replacement Car Replacement Third-party Property Damage Natural Disasters, Floods, and Storms Loss of Personal Belongings Windscreen Damage without Excess Valet Parking Theft Geographical Extension read more

Click here to Buy ABNIC Car Insurance

How to Choose the Best Car Insurance in the UAE?

Mentioned below are the tips for choosing the best car insurance in the UAE — 

• Assess Your Coverage Needs - Start by identifying what type of insurance you need. Consider factors like your car’s age, value, and how often you drive. If you have a newer or more expensive vehicle, comprehensive coverage might be necessary. For older cars, liability insurance could be enough.
• Get Multiple Quotes - To find the best deal, get quotes from different insurance providers. Use comparison websites PolicyBazaar.ae for quick results. Ensure you compare policies based on similar details for accuracy.
• Check Insurer’s Reputation - Research the insurance company’s reputation by reading reviews and checking claim processing times to make an informed choice.
• Understand the Policy Terms - Review your policy to know exactly what’s covered, including exclusions and conditions. Seek clarification if needed.
• Consider Deductibles - The deductible is the amount you pay before insurance coverage commences. Plans with more deductibles usually have lower premiums, but balance this with what you can afford in case of a claim.
• Look for Discounts - Ask about discounts for safe driving, bundling policies, or vehicle safety features. These can significantly reduce your premium.
• Review Optional Add-Ons - Optional add-ons like roadside assistance or gap insurance can enhance coverage but raise costs. Only choose necessary options to avoid inflating premiums.
• Check the Claims Process - Make sure that the insurer offers a smooth and efficient claims process. For this, you can read reviews on the handling of claims and average settlement times.
• Consider the Insurer’s Network - Check if the insurer partners with repair shops or services that offer discounts or fast repairs, making the process more convenient.
• International Travel Coverage - If you drive abroad, confirm if your policy includes international coverage or offers it as an add-on. Understand the terms for claims while travelling to ensure you're protected.

 

 

Why Buy the Best Car Insurance in Dubai from Policybazaar UAE?

On Policybazaar.ae, you can easily get the best motor insurance in the UAE. This online portal has the best car insurance plans in Dubai, UAE from the leading providers in the country — you can take your time to go through the options and get the best match! The website has a straightforward user interface, making the application process seamless. 

There are bountiful benefits to buying car insurance from us - 

• Option to compare multiple plans and select one
• Free access to credit score
• Option to customise the plan as per your needs
• Discounts on premium (if applicable)
• 24/7 customer care service
• Assistance from industry experts wherever required

Car Insurance Brokers in UAE

With a myriad of car insurance choices available, it can be hectic to find the best car insurance suiting your needs. Therefore, it is feasible to seek professional advice in choosing the best car plan. Furthermore, being an extensive car insurance market, UAE homes numerous car insurance broker companies to help you find the right car protection plan.

Before taking the plunge to talk about why you should buy your car insurance plan through a broker, do you know who a broker is? A car insurance broker is an individual or a firm that researches various car insurance plan available in the UAE and help you find the best car insurance plan. The services of the car insurance broker in the UAE may or may not be free but surely save a lot of your time and effort. In UAE, you can find both online and offline car insurance brokers, and you can choose either of them at your convenience.

The advantages of buying car insurance through a broker include:

• Expert Advice - You may find it challenging to decipher certain insurance terms and wording which a broker can help you understand better, no doubt. Additionally, they have a refined understanding of most car insurance plans that may suit perfectly with your requirements.
• Attractive Offers - Insurance companies in the UAE work closely with various insurance brokers and promote their products with timely offers and rebates. Therefore, purchasing a car insurance plan through a broker can offer you numerous discounts on insurance premiums and rates.
• Saves Time and Effort - Searching for the right car insurance can take considerable time and effort. Thus, a car insurance broker simplifies your research process through expert advice based on your requirements.
• Special Car Insurances - Vehicle insurance for vintage and premium cars may not be available to the general public and are usually sold through car insurance brokers in the UAE. Additionally, you can receive preferential premium rates on your car protection plan.

Conclusion

There is no shortage of good car insurance providers in the UAE for you to pick from and make a final decision. However, every choice that you make should be a well-informed one since car insurance is not only a protective measure but also an investment. Make sure you have done your research and compared car insurance companies and policies using comparison tools available on insurance aggregator websites like PolicyBazaar UAE. Given that you do the needful, you can easily buy ideal car insurance online from your favourite provider.

Related Links
Top 10 Car Insurance Companies in Abu Dhabi
Top 10 Car Insurance Companies in Fujairah
Top 10 Car Insurance Companies in Ajman
Top 10 Car Insurance Companies in Al Ain

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