Best Car Insurance in Abu Dhabi

Car insurance is important for safeguarding your vehicle against unforeseen events while you’re driving. It not only secures the vehicle from road accidents but also provides financial assistance in case of expensive repairs and replacements. As per the Road Transport Authority, UAE, a car owner must have a third party liability car insurance to ensure on-road safety of vehicles and pedestrians. However, basic protection (third party insurance) does not cover the damages to the insured vehicle or the passengers. Due to this reason, you need to find the best car insurance in Abu Dhabi to ensure wholesome protection for yourself and your vehicle. 

Several insurance providers in the capital city offer both comprehensive and third-party liability insurance covering almost all the vehicles from various brands and manufacturers. Go through the following article to find out the best car insurance in Abu Dhabi and their benefits. 

Top Car Insurance Companies in Abu Dhabi

With the right car insurance, you can protect your vehicle and passengers, including other vehicles on the roads. To offer you convenience, the car insurance companies in the UAE provide a variety of vehicle protection plans that suit the needs of customers from all segments. Whether new or old car, you can buy car insurance in Abu Dhabi within your budget. Some popular car insurance providers in Abu Dhabi are mentioned below.

• Noor Takaful 

Founded in early 2009, Noor Takaful provides car insurance plans in compliance with Sharia and Islamic laws. The company is ISO 9001:2015 certified and has made tangible growth in the UAE insurance sector. It offers two types of car insurance that are comprehensive and third-party liability insurance. Along with the car protection plan, you get extensive roadside side assistance round the clock, agency repair and replacement services in case of an accident and much more. 

With comprehensive car insurance, you can avail of medical expenses, loss of personal belongings, third party property damage and bodily damage cover. The company offers high insurance coverage of up to AED 2 million in case of third party property damages. Noor Takaful also covers your vehicle if driven off-road but not in case of competition, event or dune bashing. 

• AXA Insurance

Owing to a legacy of over 300 years and a strong global presence, AXA car insurance is one of the most preferred motor protection plans in Abu Dhabi. In November 2020, the company handed over its operations to Gulf Insurance Group (An insurance market leader in the region).

AXA offers two types of comprehensive vehicle insurance and a third party liability insurance plan. Depending on your requirements, you can choose the type of protection for your vehicle.

Despite being a large corporation with worldwide operations, the company offers one of the best insurance services in Abu Dhabi. As a policyholder, you can renew, and claim your motor insurance online. A dedicated team of professionals are available round the clock to assist you with various procedures.

AXA car insurance in Abu Dhabi includes zero depreciation for 24 months, coverage for loss and damage of the car, including personal belongings. As a policy owner, you also get options for repair and replacement at authorised dealerships or AXA approved service centres. Among other benefits, you get complimentary RTA inspection, Oman extension and off-road cover. 

• Emirates Insurance 

With numerous insurance plans, Emirates Insurance has established itself as a reliable name among customers in Abu Dhabi. Established in 1982 under law no 6 issued by Sheikh Zayed Bin Sultan Al Nahayan, the company has come a long way since its inception. Listed on Abu Dhabi Securities, the company is now ranked amongst the top motor insurance providers in the region.

The company offers three different car insurance plans in Abu Dhabi namely, comprehensive car insurance, third party liability insurance and motor fleet policy. 

The comprehensive plan covers the damages and loss to self-vehicle and third party liabilities, including medical expenses for bodily injuries.

The third-party insurance protects the uninsured individual and his/her properties against losses due to the insured vehicle. The third-party protection plan is mandatory under the RTA Laws of the UAE and, every vehicle owner must possess it before hitting the road. 

For commercial vehicle protection, the company offers motor fleet insurance that secures a group of vehicles within a single policy. Such plans are useful for car rental and road cargo businesses. 

• Adamjee Insurance

Adamjee Insurance Company Limited (AICL) is one of the fastest-growing car insurance companies in Abu Dhabi and the UAE. Along with comprehensive and third-party liability insurance, the company offers a range of additional benefits for extensive protection to your vehicle. To secure your mobility, the company provides 24*7 roadside assistance and breakdown recovery services. As a policyholder, you also get the repair options at dealerships, agencies, or AICL approved service centres. Within the comprehensive plan, you also get windscreen damage cover. With highly efficient online claim processes, Adamjee car insurance is one of the most preferred motor insurance plans in Abu Dhabi. 

• Alliance Insurance

Founded in the year 1975, Alliance Insurance has emerged as one of the leading insurance providers in the region. The company offers both comprehensive and third-party liability insurance for individual and corporate customers. Alliance Insurance is a viable option for customers looking for cheap car insurance plans in Abu Dhabi. Depending on their needs, individuals can opt for extensive protection through a comprehensive plan or buy a basic third party protection plan. The company has a quick responsive team of professionals to resolve customers’ queries related to the claim and application processes. Additionally, the company extends its tie-ups with a broad network of service centres and garages for quick and convenient vehicle recovery. 

• RSA Insurance 

With over 60 years of experience in the UAE insurance market, RSA offers innovative and reliable car insurance plans in Abu Dhabi. The company offers comprehensive as well as third party liability insurance in the form of Motor Executive, Motor Smart, and Motor Value plans. Customers can choose the coverage type depending on their budget and protection requirements. In addition, the insurance plan from RSA covers Oman extension for using your car in the Sultanate of Oman. When you buy a car insurance plan online from the official RSA web portal, you get an additional 10% discount. 

RSA Insurance has been serving the residents of the UAE for a long period. RSA’s car insurance products include third party liability and fully comprehensive insurance. RSA is also one of the reliable Abu Dhabi car insurance companies that can cover your trips to Oman. Plus, when you book car insurance in Abu Dhabi online via RSA’s official website, you get a 10% discount. The company also arranges pick-up and drop facilities for vehicle inspection. 

• Abu Dhabi National Insurance Company

Established in 1972, ADNIC(Abu Dhabi National Insurance Company), is a multi-line insurance provider in Abu Dhabi with long-standing expertise in individual and corporate insurance services in the Middle East. Headquartered in Abu Dhabi, the company has an extensive sales and service network across the country. According to the customers’ needs, the company offers both comprehensive and third-party liability insurance. Additionally, the company offers freedom to customise the car protection policy as per individuals’ requirements. Along with the online claim settlement process, the company has tie-ups with a big network of dealerships and garages for quick and cashless settlement and vehicle recovery. In addition, the company gives freedom to choose from the agency and ADNIC approved service centres. 

Top Car Insurance Plans in Abu Dhabi

The following table depicts the best car insurance plans from insurance providers in Abu Dhabi. 

How to Choose the Best Car Insurance in Abu Dhabi

With numerous car insurance options, it can hectic to find the best car insurance in Abu Dhabi. There are several factors you need to consider before landing on a conclusion. While budget is an important factor, you must also take the extent of coverage into account since repair and replacement may also be expensive. Here are the five factors that you need to consider while investigating the best car insurance plan in the UAE.

• Compare Insurance Quotes.

You can conveniently find car insurance quotes online simply by visiting the official website of the insurance provider by entering your vehicle and personal details. After collecting the insurance quotes, compare and find the cheapest car insurance plan, offering desired services within your budget. You can also visit the car insurance section at Policybazaar.ae to find vehicle insurance quotes. 

• Review the Service Level 

Before buying a car insurance plan in Abu Dhabi, you need to ensure the quality of services offered by an insurance company. In case of mishaps, you need to be guided well about the claim processes and documentation. Reputed insurance companies in Abu Dhabi take care of your documentation and guide you through the claim process. 

You can find customers’ reviews online through various forums. Choose an insurance provider with a convenient claim process and dedicated customer support services. 

• Study the Insurance Claims Process.

While applying for a car insurance plan, you can opt for detailed terms and conditions. You can go through the complete car insurance claim process. It is important to read between the fine lines to have a hassle-free claim experience. You must also verify the documents you need to submit for various motor claims, including the duration of the process. A reliable firm has a fast and robust claim settlement process with minimal documentation. It is always better to choose the insurance company offering an online car insurance claim process. With the online process, you can apply for claims anywhere anytime. 

• Explore the Reliability of the Insurance Companies.

For ensuring that you receive the best car insurance services in Abu Dhabi, you should look for a reliable insurance provider. To do so, you can study a brief history of the providers, their working capital, and claim settlement ratio. Companies with long operation periods maintain customer-oriented products and focus on fine services. It also ensures you avoid insurance fraud and scams.  

• Check for the Additional Services.

Along with protection to your vehicle, the insurance company provide numerous additional services such as roadside assistance, emergency medical expenses, personal accident coverage more. Ensure to compare the range of additional services that an insurance company include in its specific plan. 

Conclusion

Car insurance companies in Abu Dhabi offer a range of motor protection plans suiting the customers’ needs. However, with so many available options, it becomes cumbersome to find the right car insurance plan. When you outline your protection needs and make research on available options, you can easily find the best motor insurance in Abu Dhabi. You can conveniently compare various policies in the car insurance section at Policybazaar.ae.