Cheap Car Insurance

Best Affordable Car Insurance Plans in Dubai

Here are the top options related to the cheapest car insurance in the UAE —

1. Methaq Takaful Comprehensive (Agency)

One of the cheapest motor insurance companies is Methaq Takaful. The insurer provides comprehensive coverage at an affordable premium. With its comprehensive insurance plan, your car can be financially covered for damages in case of accidents, riots, strikes, and more. It also offers coverage in case the car gets stolen or damages are incurred due to fire. 

To add to it, the company has a quick claim assistance system, making its policies some of the most sought-after affordable car insurance plans.

Features and Benefits	Add-ons	Exclusions
Third-party Damage  Third-party Liability Damage to Own Vehicle Windscreen Damage Agency Repair Emergency Medical Expenses MD/Strikes/Riots	Personal Accident Cover for Drivers and Passengers Roadside Assistance — Mechanical assistance Lockout service Fuel delivery service Battery service Flat tyre service Towing service	Ambulance Service Involuntary Loss of Employment Insurance Valet Parking Theft Cover International Driving Licence Discount New Car Replacement in Case of Total Loss Lock Replacement Off-road Cover Car Registration Service

 

2. Tokio Marine Comprehensive (Garage)

Another affordable motor insurance plan, Tokio Marine car insurance offers 3 types of car insurance plans, namely — Tokio Third Party, Tokio Smart Plus, and Tokio Must. In this section, we will discuss the comprehensive plan. The benefits mainly include round-the-clock roadside assistance, damage to own vehicle, ambulance service, emergency medical expenses, and more. You can also explore riders including personal accident cover, natural calamity cover, Oman cover, and more.

Features and Benefits	Add-ons
Third-Party Damage  Damage to Own Vehicle Off-road Cover Accident and Breakdown Recovery Loss of Benefit Allowance Ambulance Service Emergency Medical Expenses Valet Parking Theft Cover New Car Replacement in Case of Total Loss Fire and Theft Cover Personal Injury Self-authorisation Repairs MD/Strikes/Riots Loss of Personal Belongings Windscreen Damage read more	Personal Accident Cover for Drivers and Passengers Oman Cover Natural Calamity Cover Roadside Assistance — Battery service Flat tyre service Off-road recovery Lockout service Towing service

 

3. Al Sagr Comprehensive (Agency)

Established in 1979, Al Sagr is another top name if you’re looking for a cheap vehicle insurance company in the UAE. It offers a comprehensive plan that ensures financial security in case your vehicle needs repairs or an uneventful loss. The plan offers agency repair for up to 3 years from the date of vehicle registration with the manufacturer. It also offers roadside assistance, cover for bodily injury, damage done to items and properties, and more.

Features and Benefits	Add-ons
Third-party Damage  Third-party Liability Damage to Own Vehicle Windscreen Damage Agency Repair Emergency Medical Expenses Ambulance Service	Personal Accident Cover for Drivers and Passengers Natural Calamity Cover Oman Cover Replacement of Vehicle Roadside Assistance — Mechanical assistance Lockout service Towing service Battery service Flat tyre service

 

4. Salama Insurance Comprehensive (Agency)

With a market presence of more than 45 years, Salama Insurance is a Shariah-compliant insurance provider that offers cheap car insurance plans. It offers both third-party and comprehensive plans, although we will limit our discussion to Salama's comprehensive car insurance plan with agency repair. 

The benefits often include cover for total loss, windscreen damage, ambulance service, fire and theft cover, free vehicle recovery service, roadside assistance, valet parking cover, and more.

Features and Benefits	Add-ons	Exclusions
Third-party Damage  Damage to Own Vehicle Third-party Liability Windscreen Damage New Car Replacement in Case of Total Loss — Auto Gap Fire and Theft Cover Agency Repair Ambulance Service Valet Parking Cover Child Car Seat Replacement Car Registration Service	Personal Accident Cover for Drivers and Passengers Vehicle Replacement Cover Roadside Assistance — MD/Strikes/Riots Battery service Flat tyre service Fuel delivery service Mechanical assistance Lockout service Towing service Off-road recovery	Involuntary Loss of Employment Insurance International Driving Licence Discount

 

5. Oriental Insurance Comprehensive (Agency)

Established in 1960, Oriental Car Insurance is yet another low-premium motor insurance company in the UAE. Its comprehensive car insurance plan financially covers your car as well as third-party liabilities in case of any damage. The plan also provides coverage for theft or fire. Some other benefits include personal accident cover, towing benefits, valet parking theft cover, emergency medical expenses, agency repair, loss of personal belongings, and more.

Features and Benefits	Add-ons	Exclusions
Third-party Damage  Damage to Own Vehicle Third-party Liability MD/Strikes/Riots Windscreen Excess Waiver Valet Parking Theft Cover Agency Repair Loss of Personal Belongings Emergency Medical Expenses Off-road Cover	Personal Accident Cover for Drivers and Passengers Replacement of Vehicle  Natural Calamity Cover Roadside Assistance — Membership usage and validity Battery service Flat tyre service Towing service International driving licence discount Rent-a-car service Mechanical assistance Lockout service Fuel delivery service Off-road recovery Car registration service read more	New Car Replacement in Case of Total Loss - Auto Gap Alloy Wheel Replacement Involuntary Loss of Employment Insurance Child Car Seat Replacement

 

6. Arabia Insurance Third-Party Only

Founded in 1944, Arabia Insurance is another cheap car insurance company in the UAE. The company offers both third-party and comprehensive car insurance plans. Its third-party vehicle cover helps the policyholder pay third-party liabilities for causing accidental damages to others. With this plan, you also get riders like personal accident cover, which covers the death or disability of the driver and passengers present in the insured car.

Just keep in mind that the policyholder’s car is not covered under this insurance type.

Features and Benefits	Add-ons	Exclusions
Third-party Damage  Third-party Liability Blood Money Emergency Medical Expenses Loss of Benefit Allowance Ambulance Service	Personal Accident Cover for Drivers and Passengers Roadside Assistance (one-time service) — Battery service Towing service Off-road service Lockout service Fuel delivery service Flat tyre service	MD/Strikes/Riots Agency Repair Involuntary Loss of Employment Insurance International Driving Licence Discount

 

7.QIC Third Party Liability

QIC offers another affordable car insurance plan that covers third-party liabilities. Its third-party plan offers coverage to third-party properties and cars, although it does not cover your own car. With that said, the policy does offer riders like personal accident cover, which covers the driver and passengers present in the insured car in case of death or disability.

Features and Benefits	Add-ons
Third-party Damage  Third-party Liability Blood Money	Personal Accident Cover for Drivers and Passengers Orange Card Roadside Assistance  Accident and breakdown recovery Battery service Flat tyre service Towing service Mechanical assistance Lockout service Fuel delivery service

How to Find Cheap Car Insurance in the UAE?

Here are some tips to find the cheapest car insurance in the UAE —

• Consider the vehicle type - Before buying a car, find out more about its insurance costs. For instance, insuring a Ford Mustang is likely to cost more than a Toyota Corolla, even if it’s an older model. Remember — the car's purchase price is just the beginning. Ongoing costs like fuel, maintenance, and insurance should be factored into your overall budget.
• Opt for a higher excess carefully - ‘Excess’ is the amount you pay during a claim. Policies usually include compulsory excess (set by the insurer) and voluntary excess (chosen by you). While increasing your voluntary excess lowers your premium, make sure it’s an amount you can afford to pay in case of a claim.
• Leverage no-claims discounts - If possible, avoid small claims to preserve your no-claims discount — this can reduce your premiums at renewal. For minor costs, like minor bodywork or windshield damage, paying out-of-pocket might save more in the long run.
• Avoid unnecessary auto-renewals - While auto-renewals are convenient, they can also lead to — 
  • Overspending on outdated premiums
  • Missing better deals or discounts elsewhere
  • Losing out on value-added benefits from other insurers

Which Documents are Required to Buy Cheap Car Insurance in the UAE?

Here are the documents required to buy the cheapest car insurance in Dubai —

• Valid driving licence
• Vehicle registration certificate
• Emirates ID (for UAE nationals)
• Passport and residence visa (for expats)
• Bank statements
• Confirmation letter for GCC-specific cars

How to Get the Cheapest Car Insurance in Dubai, UAE?

You can easily get cheap car insurance in Dubai, UAE on Policybazaar.ae. This website is a third-party aggregator that has carefully curated the best affordable car insurance plans in the UAE to meet your requirements. The website is quite easy to use and helps you get the best-suited plan within a few clicks. 

When you buy car insurance from our site, you get the following benefits —

• Platform to compare the top plans in one place
• Car insurance policies at the best-discounted rates
• Access to free credit score
• Access to other insurance and banking products
• 24/7 customer care service
• Assistance from industry experts

FAQ's

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