Car Insurance for 19 Years Olds in UAE

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

Having car insurance in the UAE ensures that a 19-year-old driver is financially protected in case of an accident, theft, or any other unforeseen circumstances that could cause damage to their own vehicle or harm to third parties.

Car insurance policies also offer benefits such as roadside assistance and repair services, which can be particularly helpful in emergencies. Moreover, driving without insurance in the UAE is illegal, and violators can face significant penalties and fines. For all these reasons, it is crucial for 19-year-old drivers in the UAE to have car insurance to ensure that they are financially protected and compliant with the law.

Table of Content

Understanding What is Teenage Car Insurance in the UAE
Top Car Insurance Quotes for 19-Year-Olds
Inclusions for the Best Car Insurance for 19-Years-Old in Dubai, UAE
Exclusions for the Best Car Insurance for 19-Years-Old in Dubai
Add-Ons Applicable to the Car Insurance Quotes for 19-Year-Olds in UAE
Reasons Why the Best Car Insurance for 19-Year-Olds is Expensive in UAE
How to Reduce the Premium Costs of the Car Insurance Quotes for 19-Year-Olds in UAE?
How to Apply for the Best Car Insurance in Dubai, UAE?
Car Insurance Dubai Guide

Understanding What is Teenage Car Insurance in the UAE

If the insured individual is a teenager (young driver), adolescent vehicle insurance is purchased. This type of car insurance is quite similar to comprehensive car insurance. As a responsible parent, you should buy teen vehicle insurance in Dubai to safeguard your child while also giving you peace of mind.

If your child uses your insured vehicle and has a driving licence, you do not need to get teenage insurance. However, you will generally be liable for 10% of the costs if there is an accident. Your youngster will be accountable for paying the cost of teenage auto insurance if he owns a vehicle. The price of auto insurance is higher in such circumstances.

You can search online for the best teenage insurance plan in the UAE and find a number of options.

Top Car Insurance Quotes for 19-Year-Olds

Listed below are the best car insurance plans for 19-year-olds -

Plan Name	Excess Amount
Oriental Insurance Comprehensive (Agency)	AED 500
Al Sagr Comprehensive (Garage)	AED 1,000
Salama Insurance Comprehensive (DynaTrade)	AED 500
Union Insurance Comprehensive (Gold Garage)	AED 740
Al Sagr Third Party Only	N/A
Oriental Insurance Third Party Only	N/A

Inclusions for the Best Car Insurance for 19-Years-Old in Dubai, UAE

Here are the key inclusions of the mentioned plans for the best car insurance for 19-years-olds -

Plan Name	Inclusions
Oriental Insurance Comprehensive (Agency)	Cover for Third-Party Damage - up to AED 2,000,000 Geographical Scope of Coverage - Third-Party Liability - Only in the UAE Damage to Own Vehicle - Oman and the UAE Cover for Damages Incurred due to Strikes/Riots/MD Cover for Windscreen Damage - up to AED 2,000 Ambulance Service Cover for Valet Parking Theft Cover for Theft and Fire Agency Repair Cover for Loss of Personal Belongings - up to AED 2,000 Emergency Medical Expenses - up to AED 1,500 Cover for Lock Replacement Off-road Cover - for 4WD only (Excess of AED 2,500) Additional Excess Charges - Up to 10% of the reimbursement amount if the driver is under the age of 25 years Up to 10% of the compensation amount in case of cab and public transport vehicles Up to 20% of the reimbursement amount for the rental vehicles Up to 15% of the compensation amount for sports cars and modified vehicles Up to 20% of the reimbursement amount for the vehicles modified outside the factory
Al Sagr Comprehensive (Garage)	Cover for Third-party Damage - up to AED 2,000,000 Geographical Scope of Coverage - Third-party Liability - Only in the UAE Damage to Own Vehicle - Only in the UAE Emergency Medical Expenses (for one accident) - up to AED 2,000 Cover for Windscreen Damage - up to AED 2,000
Salama Insurance Comprehensive (DynaTrade)	Cover for Third-Party Damage - up to AED 3,500,000 Geographical Scope of Coverage - Third-Party Liability - Oman and the UAE Damage to Own Vehicle - Oman and the UAE Cover for Loss of Personal Belongings - up to AED 5,000 Cover for Emergency Medical Expenses - up to AED 5,000 New Car Replacement Cover in case of Total Loss - Auto Gap - for up to 6 months only (for brand new vehicles only) Cover for Valet Parking Damages Due to Accident Cover for Theft and Fire Car Registration Service - Once a year Cover for Windscreen Damage - up to AED 4,000 Cover for Ambulance Service - up to AED 6,770 per person Cover for Lock Replacement - up to AED 1,000 Off-road Cover - For 4WD Only Cover for Child Car Seat Replacement - up to AED 2,000
Union Insurance Comprehensive (Gold Garage)	Cover for Third-Party Damage - up to AED 5,000,000 Geographical Scope of Coverage for - Third-Party Liability - Only in the UAE Damage to Own Vehicle - Oman and the UAE Cover for the Damages Incurred Due to Riots/MD/Strikes Cover for Windscreen Damage Cover for Ambulance Service New Car Replacement Cover in case of Total Loss - Auto Gap - for up to 12 months only (for brand new vehicles only) Cover for Lock Replacement - up to AED 5,000 Off-road Cover - for 4WD Only Cover for Loss of Personal Belongings - up to AED 5,000 Cover for Emergency Medical Expenses - up to AED 6,000 Cover for Taxi Fares - up to AED 250 Cover for Personal Injury - up to AED 20,000 Cover for Theft in Valet Parking Guaranteed Garage Repair - up to the policy period
Al Sagr Third Party Only	Cover for Third-Party Damage - up to AED 2,000,000 Geographical Scope of Coverage for Third-party Liability - Only in the UAE
Oriental Insurance Third Party Only	Cover for Third-Party Damage - up to AED 2,000,000 Geographical Scope of Coverage for Third-Party Liability - Only in the UAE

Exclusions for the Best Car Insurance for 19-Years-Old in Dubai

Have a look at the table below to understand the exclusions of the best car insurance plans for 19 years olds -

Plan Name	Exclusions
Oriental Insurance Comprehensive (Agency)	New Car Replacement Cover in case of Total Loss - Auto Gap Cover for Alloy Wheel Replacement Involuntary Loss of Employment Insurance Cover for Child Car Seats
Al Sagr Comprehensive (Garage)	Agency Repair
Salama Insurance Comprehensive (DynaTrade)	Cover for Damages Incurred Due to Riots/MD/Strikes Agency Repair Cover for Involuntary Loss of Employment Insurance International Driving Licence Discount
Union Insurance Comprehensive (Gold Garage)	Agency Repair International Driving Licence Discount

Add-Ons Applicable to the Car Insurance Quotes for 19-Year-Olds in UAE

With add-ons or riders, you can further enhance your car insurance plan’s coverage. Listed below are the riders for the best car insurance plan for 19 years olds -

Plan Name	Riders
Oriental Insurance Comprehensive (Agency)	Personal Accident Cover for - Driver: AED 200,000 - For Free Passengers: AED 200,000 - For Free Vehicle Replacement Benefit: for 7 days - AED 150 Car Hire Cash Benefit: (7 days multiple claims) - AED 150 (only for private vehicles); covered for up to 10 days per claim (for personal vehicles only) Natural Calamity Cover - Free Roadside Assistance - Free; includes - Membership usage and validity Battery service Flat tyre service Towing service Car registration service Mechanical assistance Lockout service Fuel delivery service Off-road recovery International driving licence discount Rent-a-car service - for 24 hours only
Al Sagr Comprehensive (Garage)	Personal Accident Cover - For Driver: AED 200,000 - AED 100 For Passengers: AED 200,000 - Free Vehicle Replacement Benefit: for 7 days - AED 100 Roadside Assistance - Free; includes - Mechanical assistance - Not applicable for pickup Lockout service - Not applicable for pickup Towing service - Not applicable for pickup Battery service - Not applicable for pickup Flat tyre service - Not applicable for pickup Cover for Damages Incurred Due to Natural Calamity - Free Oman Extension (for damage to own vehicle): Orange Car - AED 400
Salama Insurance Comprehensive (DynaTrade)	Personal Accident Cover - For Driver: AED 200,000 - Free For Passengers: AED 200,000 - Free Cover for Vehicle Replacement: 10 days - Free Roadside Assistance - Free; includes - Mechanical assistance Lockout service Fuel delivery service Off-road recovery Battery service Flat tyre service Towing service Cover for Damages Incurred Due to Natural Calamity Cover: Natural Perils - Free Oman Extension (Orange Card): Own and Third-party Damage Benefit - Free
Union Insurance Comprehensive (Gold Garage)	Personal Accident Cover - For Driver: AED 200,000 - Free For Passengers: AED 200,000 - Free Cover for Vehicle Replacement: 5 Days - AED 145 Roadside Assistance: Gold - Free; includes - Mechanical assistance Lockout service Fuel delivery service Off-road recovery Car registration service - Once a year Battery service Flat tyre service Towing service International driving licence discount: AED 5 Discount Cover for Damages Due to Natural Calamity - Free Oman Extension: Own Damage Only - Free
Al Sagr Third Party Only	Personal Accident Cover - For Driver: AED 200,000 - AED 210 For Passengers: AED 200,000 - AED 210 Roadside Assistance - Breakdown or Accident Recovery Service; includes - Flat tyre service Mechanical first aid Vehicle towing service Battery jump-starts
Oriental Insurance Third Party Only	Personal Accident Cover - For Driver: AED 200,000 - Free For Passengers: AED 200,000 - Free Roadside Assistance - Breakdown or Accident Recovery Service; includes - Flat tyre service Mechanical first aid Vehicle towing service Battery jump-starts

Reasons Why the Best Car Insurance for 19-Year-Olds is Expensive in UAE

As we saw earlier, teenagers typically pose a greater risk to insurance providers and are more likely to be involved in an accident as they have less driving experience. Here are a few other explanations for the higher premiums.

Teenagers are more likely to be in accidents than experienced drivers according to a number of statistics and surveys. By increasing the premium, insurance providers tend to lower the risk.
Teenagers may drive less safely than adults as they don't have children or other dependents. A lone motorist is more likely to take chances on the road, which can lead to collisions. As a result, insurance firms raise the price of coverage.
The majority of insurance discounts and offers are not available to teenagers.
Teenagers are more likely to be caught using their phones or other devices while driving. Such diversions can result in accidents, with driver distraction being one of the main causes of traffic accidents in the UAE. As a result, they pose a greater risk to the company and must pay a higher insurance premium.
Teenagers may not be able to effectively handle their automobiles during emergencies due to a lack of driving expertise, making them more prone to accidents.
As per statistics, teenagers rarely use seatbelts. In such circumstances, an accident may be fatal, so insurance providers raise the price of insurance to account for this risk.
Before providing the quote, the insurance provider may take into account some of the teen's personal and dietary preferences. This can also lead to a significant increase in the premiums if the results are less than ideal.

How to Reduce the Premium Costs of the Car Insurance Quotes for 19-Year-Olds in UAE?

Parents can take certain measures to reduce the price of teenage vehicle coverage in the UAE because teenage drivers are less likely to purchase a car on their own. Here are some of their options.

Enrolling your child in a driving school could help you save money on teen car insurance in the UAE. This is because driving schools help students obtain crucial knowledge of driving and roads, while the course's certifications help to minimise insurance costs.
Older vehicles offer a lot of insurance advantages. The first and most significant benefit is the cost of insurance. The cost of insurance for old vehicles is much lower than that for new vehicles. Reducing the insurance costs further are the readily available repairs and substitute parts for old vehicles.
Numerous auto insurance companies in the UAE give discounts for one-time payments as opposed to monthly payments. By searching online, you may easily find an insurance provider that offers such a discount. You can easily pay in full after finding the best adolescent auto insurance to save funds on your premiums.
Usually, it makes sense to compare prices offered by various businesses. This also applies to car insurance, as you can find the best car insurance in the UAE after comparing. However, before you start looking, decide on your budget and protection requirements as this will help you find the best offers suited to your specific needs.
Teenagers will have an improved driving history if you teach them how to drive defensively and in accordance with all traffic laws. Insurance companies consider prior events and driving records when offering a quote.

How to Apply for the Best Car Insurance in Dubai, UAE?

With Policybazaar.ae, applying for the best car insurance quotes for a 19-year-old is a smooth process. This is a third-party aggregator website that houses a wide range of car insurance plans for different age brackets.

You can get the best car insurance in the UAE by browsing the options on our car insurance quotes page. The website is simple to use and only requires you to make only a few clicks to get the most suitable car insurance quotes for a 19-year-old in the UAE.

When you apply for car insurance in dubai for drivers who are 19 on policybazaar.ae, you can enjoy the following benefits:

An easy-to-use platform to explore and contrast the features of the top car insurance plans from the leading industry competitors in the UAE
Deals and discounts on the plans
Round-the-clock customer care service
Assistance from the team of insurance experts

To start, simply click the "Car Insurance" tab on the homepage or choose the option from the ‘Insurance’ tab in the menu bar. You will be directed to our lead form. Fill out the form completely, and tap on the ‘View Quotes’ button to have our car insurance quotes page open in your browser. Choose the best car insurance quote for a 19-year-old by going through the options.

The following documents must be submitted when applying for car insurance in Dubai -

A valid driving licence
Valid passport and residence visa
Emirates ID
Car registration
Pollution test certificate
Old car insurance policy number
A confirmation letter that the car is GCC specific

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Car Insurance for 25 Year Olds in UAE

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