Best Car Insurance Companies in Ras Al Khaimah

The UAE has numerous car insurance companies that deliver insurance protection to drivers, ensuring financial stability for vehicle owners and helping them comply with legal mandates.

In Ras Al Khaimah, a variety of car insurance providers offer comprehensive coverage options tailored to meet the diverse requirements of residents and expatriates alike. Prioritising reliability and customer satisfaction, these insurance providers offer car insurance packages with affordable premiums, prompt claims processing, and access to an extensive network of garages and service facilities.

Let's take a look at the top car insurance companies in Ras Al Khaimah, their insurance plans, notable features, and more.

Best Car Insurance Companies in Ras Al Khaimah

Here is a list of the top car insurance companies in Ras Al Khaimah -

1- Dubai National Insurance Company

The Dubai National Insurance & Reinsurance Company, listed on the Dubai Financial Market (DFM), was established in 1991. With over three decades of experience, DNI is committed to offering a diverse array of insurance services and products to its clients.

DNI provides insurance plans covering motor, life, medical, accident, property, and liability. In the table below, we will go through the list of the coverage features offered in both comprehensive and third-party car insurance plans.

Comprehensive Plans

Inclusions	Exclusions	Add-Ons
Third-Party Damage  Third-Party Liability Damage to Your Vehicle Damages Due to Riots/ Strikes/ MD Loss of Personal Belongings Windscreen Damage Emergency Medical Expenses Ambulance Service No-Claim Discount Protection Taxi Fares Off Road Cover Agency Repair	New Car Replacement in Case of Total Loss - Auto Gap Involuntary Loss of Employment Insurance Personal Accident for Worker/ Employee Lock Replacement Valet Parking Theft Cover	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Natural Calamity Cover Replacement of Vehicle Roadside Assistance Oman Cover

Third-Party Plans

• Third-Party Property Damage
• Personal Accident Benefits
• Geographical Area
• Driving Licence Copy

2- Salama Insurance

Based in the UAE, Salama Insurance has established itself as a prominent provider of Shariah-compliant Takaful services. Founded in 1979, Salama is one of the leading car insurance companies in Ras Al Khaimah.

Presently, the company is publicly traded on the Dubai Financial Market and has a substantial paid-up capital of AED 939 Million. Among the diverse range of Takaful services offered by Salama, their car insurance plans stand out.

Salama's motor insurance plans encompass comprehensive options that cover car loss, damages, and personal accidents as well as third-party liabilities arising from damages and injuries.

Refer to the comprehensive list of inclusions, exclusions, and additional coverage choices available with Salama's car insurance -

Comprehensive Plans

Inclusions	Exclusions	Add-Ons
Third-Party Liability Third-Party Damage  Damage to Your Own Vehicle Loss of Personal Belongings Windscreen Damage Emergency Medical Expenses Ambulance Service New Car Replacement in Case Total Loss - Auto Gap Lock Replacement Valet Parking Cover Off Road Cover Fire and Theft Cover Child Car Seat Replacement Agency Repair Car Registration Service	Involuntary Loss of Employment Insurance Strikes/Riots/MD Agency Repair International Driving Licence Discount	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Natural Calamity Cover Replacement of Vehicle Oman Cover Road Side Assistance

Third-Party Plans

Inclusions	Exclusions	Add-Ons
Third-Party Damage  Third-Party Liability Damage to Your Own Vehicle	NA	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Road Side Assistance

3- Oriental Insurance

Established in India in 1947, the Oriental Insurance Company has its headquarters situated in Delhi. This government-owned company operates through an extensive network comprising 31 regional offices and over 1,800 operating offices. With a remarkable global presence, it has established offices in Dubai, Nepal, and Kuwait as well.

Oriental Insurance provides a range of insurance plans across various categories, which include motor and personal accident coverage. It is also recognised as one of the leading vehicle insurance providers in Ras Al Khaimah.

The motor insurance offerings of Oriental Insurance are categorised into four distinct types: comprehensive, third-party liability, motorcycle, and fleet comprehensive insurance. In the table below, we will cover the key features of their comprehensive and third-party liability insurance plans:

Comprehensive Plans

Inclusions	Exclusions	Add-Ons
Third-Party Damage Third-Party Liability Damage to Your Vehicle Windscreen Excess Waiver Emergency Medical Expenses Ambulance Service Damages Due to Strikes/ Riots/ MD Loss of Personal Belongings Off Road Cover Fire and Theft Cover Agency Repair Lock Replacement Valet Parking Theft Cover	Child Car Seats Involuntary Loss of Employment Insurance New Car Replacement in Case of Total Loss Alloy Wheel Replacement	Natural Calamity Cover Replacement of Vehicle Road Side Assistance Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Car Hire Cash Benefit

Third-Party Plans

Inclusions	Exclusions	Add-Ons
Third-Party Damage Third-Party Liability	Damage to Your Vehicle	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger

4- Adamjee Insurance

Founded in 1960 in Pakistan, Adamjee Insurance has emerged as a prominent name in the insurance sector of the UAE. Ranking among the top insurance companies in Ras Al Khaimah, Adamjee Insurance has expanded its presence to multiple insurance sectors — health insurance, car insurance, and more — to provide its customers with convenient access to insurance services.

For car insurance, Adamjee Insurance offers two distinct options: third-party liability and comprehensive car insurance plans.

Check out the table below for all the details related to the coverage and advantages provided by Adamjee Insurance's car insurance plans in the UAE -

Comprehensive Plans

Inclusions	Exclusions	Add-Ons
Third-Party Damage  Third-Party Liability Damages Due to Strikes/ Riots/MD Windscreen Excess Waiver Fire and Theft Cover Damage to Your Vehicle Ambulance Cover	Loss of Personal Belongings Lock Replacement Involuntary Loss of Employment Insurance Valet Parking Theft Cover Agency Repair Airport Pick and Drop Service Emergency Medical Expenses New Car Replacement in Case of Total Loss - Auto Gap	Natural Calamity Cover Replacement of Vehicle Road Side Assistance Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger

Third-Party Plans

Inclusions	Exclusions	Add-Ons
Third-Party Liability Third-Party Damage	Damage to Your Vehicle	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Roadside Assistance

5- Union Insurance

Established in 1998, Union Insurance is a prominent entity in the UAE insurance landscape. It is publicly listed on the Abu Dhabi Securities Exchange (ADX) and offers a diverse range of insurance products serving customers not only within the UAE but also across the broader Middle East region. These offerings include health, life, property, automotive, maritime, engineering, and liability insurance.

With respect to automobile insurance, Union Insurance provides two primary plan choices: comprehensive car insurance and third-party liability insurance.

For a comprehensive overview of the coverage choices available through Union Insurance car insurance, refer to the table below:

Comprehensive Plans

Inclusions	Exclusions	Add-Ons
Third-Party Damage Third-Party Liability Damage to the Insured Vehicle Damages Due to Strikes/ Riots/ MD Loss of Personal Belongings Windscreen Damage Emergency Medical Expenses Ambulance Service Taxi Fares New Car Replacement In Case of Total Loss - Auto Gap Personal Injury Lock Replacement Valet Parking Theft Cover Off Road Cover Guarantee of Garage Repair	Involuntary Loss of Employment Insurance Agency Repair	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Natural Calamity Cover Replacement of Vehicle Oman Cover Roadside Assistance

Third-Party Plans

Inclusions

Exclusions

Ambulance Services Personal Accident Benefit for Driver Personal Accident Benefit for Family Members Geographical Scope – UAE Third-Party Property Damage Third-Party Bodily Injury

Accident of Overturning Fire and Theft Natural Calamities Damages Due to Strikes and Riots Personal Belongings Waiver of Mandatory Excess for Windscreen Damage Off Road Cover Auto Gap Replacement of Vehicle Roadside Assistance Personal Injury for the Insured or Spouse Agency Repair Car Registration Service Airport Pick Up and Drop Off Service Centre Pick Up and Drop Off Taxi Fare Emergency Medical Expenses Valet Parking Theft Cover Replacement of Locks

6- Fidelity United

Founded in 1976, Fidelity United Insurance has a longstanding history in the insurance sector. In 2018, it underwent a merger with 'United Insurance Company' and 'Fidelity Assurance and Reinsurance SARL,' expanding its presence to over five offices across the UAE.

Fidelity United Insurance is renowned for offering top-tier insurance solutions tailored to the requirements of families, individuals, and businesses as well as prompt insurance-related services.

Here are the key details related to the fundamental coverage features of Fidelity United car insurance plans:

Comprehensive Plans

Inclusions	Add-On Plans
Third-Party Damage Damage to Your Vehicle Windscreen Damage Ambulance Service Emergency Medical Expenses Valet Parking Theft Cover Emergency Repair Expenses Key Replacement Car Hire Cash Benefit Baby Car Seat Replacement	Personal Cover (PA) Cover for Driver Personal Cover (PA) Cover for Passenger Natural Calamity Cover Replacement of Vehicle Roadside Assistance

Third-Party Plans

• Loss or damage due to accidental run over, turnover, incident, or collision as a result of unexpected mechanical breakdown
• Loss or damage due to theft or robbery
• Damage or loss due to a third-party willful act
• Damage or loss due to external fire or explosion, lightning, or spontaneous combustion
• Liability for damages or injuries arising from the use of the insured motor vehicle to a third party
• Damage to a third-party property

7- RAK Insurance

Founded in 1974, the Ras Al Khaimah National Insurance Company has experienced remarkable expansion within the UAE insurance industry. Presently, the company consists of a substantial paid-up capital exceeding AED 121 million.

The primary vision of the company is to provide ‘Simply Better’ insurance solutions to its clientele. As a prominent name in the UAE, RAK Insurance offers a wide range of excellent insurance products tailored to the requirements of individuals and businesses alike.

Among RAK Insurance's major products is car insurance, available in the form of both comprehensive and third-party plans.

Third-Party Plan

Inclusions	Add-Ons
Third-Party Death and Bodily Injury Third-Party Property Damages National Ambulance Service	Roadside Assistance

8- Al Wathba National Insurance

With over two decades of experience, Al Wathba National Insurance Company (AWNIC) currently has a capital base of AED 207 million. Holding a 'BBB' rating from S&P Global, the company has earned recognition from the UAE's insurance regulatory authority for two consecutive years due to its incorporation of smart technology.

The offerings of Al Wathba National Insurance Company include various insurance products across categories such as home, motor, travel, UAE visit, yacht, pet, and jetski insurance.

Distinguished by its range of related services as well as an array of insurance plans, including both comprehensive and third-party car insurance plans, Al Wathba has established itself as a leading car insurance company in Ras Al Khaimah.

For a detailed overview of its car insurance plans in Ajman, have a look at the tables below:

Comprehensive Plans

Inclusions	Exclusions	Add-Ons
Third-Party Damage  Third-Party Liability Damage to Your Vehicle Damages Due to Strikes / Riots / MD Loss of Personal Belongings Windscreen Excess Waiver Ambulance Service Fire and Theft Cover Agency Repair Car Registration Service International Driving Licence	Emergency Medical Expenses No Claim Discount Protection New Car Replacement in Case of Total Loss - Auto Gap Lock Replacement Valet Parking Theft Cover	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Natural Calamity Cover Replacement of Vehicle Oman Cover Roadside Assistance

Third-Party Plans

Inclusions	Exclusions	Add-Ons
Third-Party Damage  Third-Party Liability Damage to Your Own Vehicle Accident and Breakdown Recovery Flat Tyre Service Emergency Fuel Services Battery Boost Services	NA	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Roadside Assistance

9- GIG Gulf Insurance (Previously AXA)

GIG Gulf, a prominent insurance provider, has a history of over 7 decades in the Middle East region. Recognised as one of Forbes Middle East's top 10 prestigious insurance companies, the company is dedicated to providing exceptional services to its valued customers.

Currently, GIG Gulf is among the top motor insurance companies in Ras Al Khaimah maintaining a network of 15 branches throughout the UAE, staffed by a dedicated team of over 800 professionals. 

The company offers a wide range of insurance solutions across various categories such as automobile, residential, travel, yacht, and health insurance. Additionally, the company extends its insurance coverage to golf, motorcycle, and personal accident insurance.

Under automobile insurance, GIG Gulf provides two options: comprehensive and third-party liability. Let’s take a look at the table below for a detailed breakdown of their plans - 

Comprehensive Plans

Inclusions	Exclusions	Add-Ons
Third-Party Damage Third-Party Liability Damage to Your Vehicle Damages Due to Strikes/ Riots/ MD Windscreen Excess Waiver Loss of Personal Belongings Emergency Medical Expenses Ambulance Service No Claim Discount Protection	Damages Due to Electrical or Mechanical Breakdown Racing or Vehicle Testing Damages Due to Intentional Actions That Violate UAE Laws	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Natural Calamity Cover Replacement of Vehicle Oman Cover Roadside Assistance

Third-Party Plans

Inclusions	Exclusions	Add-Ons
Third-Party Damage Third-Party Liability Ambulance Service	Damage to Your Vehicle	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Oman Cover Road Side Assistance

           

10- AMAN Insurance

Established in 2002, the Dubai Islamic Insurance & Reinsurance Company, known as AMAN, was set up with the goal of offering Islamic insurance services in the UAE.

AMAN's founding partners include prominent investors such as Dubai Islamic Bank along with a diverse group of shareholders. The company's primary mission is to deliver a comprehensive range of exceptional Islamic Insurance Services, thereby helping its clients secure financial stability.

AMAN Insurance provides a variety of solutions in areas such as health, motor, SMEs, and general accident insurance. Under its car insurance category, the company offers the following plans and coverage options.

Comprehensive Plans

Inclusions	Exclusions	Add-Ons
Third-Party Damage Third-Party Liability Damage to Own Vehicle Windscreen Damage Lock Replacement	Damages Due to Strikes/ Riots/ MD Loss of Personal Belongings Ambulance Service Emergency Medical Expenses Taxi Fares New Car Replacement in Case of Total Loss - Auto gap Involuntary Loss of Employment Insurance Valet Parking Theft Cover Agency Repair Off Road Cover	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Replacement of Vehicle Oman Cover Roadside Assistance

How to Buy Car Insurance Via Policybazaar UAE?

In the process of purchasing car insurance, do you feel uncertain about which provider to choose? Considering the huge number of options available out there, it can certainly be pretty confusing to make a choice!

Well, we are here to assist you! At Policybazaar.ae, we offer the best car insurance plans as per your specific requirements in one place. On our platform, you can compare the top options and make an informed decision.

Here’s how you can buy car insurance online through our site -

1. Navigate to the 'Insurance' drop-down menu and select 'car insurance' on Policybazaar.ae. You can also click on the car insurance icon on our homepage.
2. Accurately fill out the lead form with your details.
3. Upon form submission, you'll be directed to our car insurance quotes page.
4. The most relevant plans based on your provided information will be displayed.
5. Compare the options and choose the one that suits you.
6. Follow the prompted steps to make the payment.

Note: A digital copy of your newly purchased policy will be sent to your registered email address.

Curious why you should consider Policybazaar.ae for your car insurance requirements? Here are the primary reasons -

• We have collaborated with several reputable car insurance providers, offering a wide range of plans to meet the requirements of all car owners.
• On our digital platform, you can find numerous comprehensive plans with affordable premiums in one place.
• Our website is user-friendly and easy to navigate.
• Our customer service support is available throughout the day to promptly address your inquiries.
• You can seamlessly renew car insurance through our portal.
• Plans purchased on our website can be easily customised to fit your preferences.

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