Liability Car Insurance in UAE

Also known as third-party motor insurance, a liability plan provides the most basic, legally binding insurance coverage that just covers third-party liabilities caused by your car. Let’s find out more about liability car insurance in the UAE and understand everything important to know about it.

Types of Motor Insurance in UAE: An Overview

In the UAE, there are two main types of motor insurance — comprehensive car insurance and third-party car insurance. A comprehensive policy is a holistic one that covers third-party liabilities as well as damages to the insured vehicle in case of an accident. Also, there is coverage in case the car gets stolen or damaged due to fire or vandalism. 

Liability car insurance, put simply, is the basic third-party policy that covers only third-party liabilities caused by your car. Under this insurance type, damages incurred by your car are not covered. 

Benefits of Liability Car Insurance in UAE

Liability car plans cover the legal requirement of registering a new or second-hand car. The benefits include covering all the third-party legal liabilities that are caused by the insured car. The protection is offered against third-party legal liability, property damage, or accidental liability. 

Here is a detailed overview of the benefits of third-party car insurance —

• More Affordable than Comprehensive Insurance – Third-party plans usually cost less than comprehensive plans. This helps you save money while still meeting the UAE’s legal insurance requirements.
• Covers Third-Party Liabilities – This policy protects you from expenses if you damage someone else’s vehicle or property in an accident, offering peace of mind against unexpected costs.
• Focuses on the Basics – Third-party insurance covers only the essentials — your legal responsibility to others, without extra protection for your car.
• Easy to Compare – Since many providers offer third-party coverage, it’s easier to compare plans and prices and choose the most budget-friendly and suitable option.
• Optional Add-Ons – While the type of coverage is basic, some insurers offer extra benefits like roadside assistance. This gives you a chance to customise your plan to some extent.

Best Liability Car Insurance in UAE

Tabled below are the top plans under third-party car insurance in UAE —

1- GIG Gulf Third-Party Only

Riders	Add-ons	Exclusions
Third-party liability Third-party damage  Blood money Ambulance service	Personal accident cover for the driver and passengers  Oman cover Roadside assistance — Breakdown recovery	Damage to your vehicle

2. Sukoon Third-Party Liability

Riders	Add-ons	Exclusions
Third-party liability Third-party damage  Blood money Ambulance service	Personal accident cover for the driver and passengers  Roadside assistance — Mechanical assistance Lockout service  Towing service (within the same city) Battery service  Flat tyre service	Damage to your vehicle Off-road recovery

3. Adamjee Insurance Third-Party Only

Riders	Add-ons	Exclusions
Third-party liability Third-party damage Blood money	Personal accident cover for the driver and passengers  Roadside assistance	Damage to your vehicle

4. Watania Takaful Third-Party Only

Riders	Add-ons	Exclusions
Third-party liability Third-party damage  Blood money Ambulance service	Personal accident cover for the driver and passengers  Roadside assistance — Accident and breakdown recovery Battery service  Flat tyre service  Mechanical assistance Lockout service  Fuel delivery service	Damage to your vehicle

5. Qatar Insurance Company Third Party Liability

Riders	Add-ons	Exclusions
Third-party liability Third-party damage  Blood money	Personal accident cover for the driver and passengers  Orange card Roadside assistance (Bronze) — Accident and breakdown recovery Battery service  Flat tyre service  Towing service  Mechanical assistance  Lockout service  Fuel delivery service	Damage to your vehicle  Windscreen damage

6. RAKInsurance Third-Party Only

Riders	Add-ons	Exclusions
Third-party liability Third-party damage  Blood money	Personal accident cover for the driver and passengers  Roadside assistance — Towing service (in the same city) Fuel delivery service  Flat tyre service  Off-road recovery Mechanical assistance (in the same city) Lockout service  Battery service	Damage to your vehicle

7. Oriental Insurance Third-Party Only

Riders	Add-ons	Exclusions
Third-party liability Third-party damage  Blood money	Personal accident cover for the driver and passengers  Roadside assistance	Damage to your vehicle

What is Covered Under Third-Party Car Insurance?

Here are the standard coverage features of liability motor insurance plans — 

• Third-party damage to property 
• Blood money
• Third-party bodily injury
• Accidental damage to other vehicles

Exclusions Under Liability Car Insurance

Listed below are the general exclusions of third-party car policies —

• Accidents occurring outside the state or geographical coverage area
• Accidents or damages caused or resulting from natural disasters like tornadoes, volcanoes, quakes, floods, hurricanes, or earthquakes 
• Damage to your own vehicle 
• Personal bodily injury 
• Vehicle replacement
• Contractual liability
• Driving without a licence 
• Damage caused due to driving under the influence of drugs or alcohol

Factors Affecting Liability Motor Insurance Premium

The premiums for liability car plans mostly depend on the vehicle’s make, model and age, your driving experience, and your driving record and claim history. To get the cheapest liability-only car insurance, you need to consider these factors — 

• Driver’s Age and Experience – Insurance plans for experienced drivers between the ages of 30 and 60 years are usually cheap. Younger drivers, on the other hand, may face higher premiums as they may be considered inexperienced and more prone to accidents by insurers. 
• Claim History and Driving Record – If you have a clear driving record, you can get cheap liability insurance. However, if you have a history of multiple accidents, your premiums can significantly shoot up.
• Add-Ons – Some additional coverage options are provided for free by insurers. However, if you take any add-on that comes with a price, your overall premiums will also increase by that amount. 

How to Buy Liability Car Insurance in UAE?

You can easily buy liability car insurance in UAE on Policybazaar.ae. With us, the process is seamless, and you get a plan in just a few clicks! The process is a fairly easy one — fill out the lead form accurately to be taken to our quotes page. Here, you can easily find the best liability policies from the leading insurance companies in the country under one roof. Here, you can compare the coverage and premiums and even go through policy wordings, if required. Once you make your decision, simply choose the option to ‘buy’ and follow the process thereafter. 

Frequently Asked Questions