Car Insurance in Dubai & the UAE

What is Car Insurance?

Car insurance is a kind of motor insurance that financially secures the vehicle, passengers and the driver in case of an accident. The policy offers financial coverage against events like fire, accidents, theft, and third-party liabilities. You can get maximum coverage for your vehicle by paying an affordable premium.

There are 2 types of car insurance in UAE - Third-party insurance and Comprehensive insurance. It is mandatory to have motor insurance in Dubai, UAE, in the absence of which you get 4 black points

Key Features of Car Insurance

Why Should You Buy Car Insurance Through Policybazaar.ae?

With Policybazaar.ae, you can unlock a wide range of benefits and effortlessly get your desired insurance coverage when you buy motor car insurance. Here are the key benefits of obtaining insurance through our digital platform -

Instant Issuance

Personalised expert advice

Guaranteed low prices

Customer satisfaction

Here are just 4 reasons why:

• Buy car insurance online through Policybazaar.ae and quickly receive your policy on your registered email ID within a few minutes
• Each individual is assigned an expert to resolve all the related queries and ensure a smooth and hassle-free process.
• We guarantee to help you find the cheapest car insurance in Dubai, UAE by comparing all the options available in the UAE. Also, Get up to 30% safe driver discount* on your motor insurance plan with us.
• With customer satisfaction as a priority, Policybazaar.ae has built more than 1 million trusted customer base and has sold over 250K policies.

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List of Cheapest Car Insurance Plans in Dubai, the UAE

Since such type of insurance plan is mandatory in the UAE, it is crucial to choose a policy wisely. Always opt for plans with maximum coverage at economical premiums to get the best deal. To ease your research and make an informed decision, we have provided you with a list of some affordable vehicle insurance plans in Dubai, UAE.

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

UAE Motor Insurance Premium Calculator

Computing insurance premiums on your own can be a huge hassle. What you can do instead is use our auto insurance calculator to get an estimate. Policybazaar UAE insurance premium calculator is an expertly crafted, online computation tool that helps in determining the estimated auto insurance premiums for your policy. Here is a list of steps you can follow to use our car insurance calculator:

• Step 1 - Starting from the top-left enter your car brand, year of manufacturing, model and the exact variant.
• Step 2 - Once you enter these details, the estimated auto insurance premium for policies suiting your vehicle will be displayed on the bottom-left side of the calculator.
• Step 3 - The computations can be changed by changing any of the four variables in the Policybazaar UAE insurance calculator.
• Step 4 - You can also click & view plans to view the most suitable car insurance plans.

Get the Best Car Insurance Quotes from Top Leading Motor Insurers in UAE

How to Save Money on Car Insurance Online in UAE - 2025

Finding the best motor car insurance plan for your car in the UAE can be a lengthy process. However, there are a few simple tips you can adopt to make sure you choose nothing but the best for your ride. Here’s how you can find the best car insurance in UAE :

• Evaluate Your Needs: Every driver-owner has a set of unique needs which means that your ideal auto protection plan needs to be customized. So, to get the right Car insurance in Dubai for your car is to evaluate your needs. See what you want your vehicle protection plan to cover and find out whether there is anything special you would like to add. For example, if you take your car on dune safaris often, an off-road cover is a must for you. Make a list of all such unique covers your car requires and then start searching for a plan that can satisfy them all.
• Scout Through Providers: Finding the best insurance companies in Dubai or any other emirate is very important. Read vehicle insurance reviews online, talk to your fellow car owners about their auto insurance providers. Choose the one with fair goodwill at the least. Make notes of everything from their plans to the claim settlement process and customer service.
• Obtain a Few Quotes: Go ahead and get online motor insurance quotes in Dubai for at least your top 3 plans. Compare these final car insurance quotes for Dubai, UAE and find out which insurance plan is the most cost-effective. Comparison of your top options is one of the most important steps to finding the best auto insurance in the UAE.
• Research as Per Your Emirate: If you reside in Dubai, concentrate on finding the best insurance companies in Dubai instead of the whole of UAE. This will narrow down your scope of research and make it easier to find providers specific to your area.
• Check The CSR: Claim settlement ratio should always be considered before buying an auto protection plan from any particular provider. While you are at it, also find out what kind of claims get rejected or denied the most by the provider. This will give you important insights into the transparency policy of the motor insurance provider as well.
• Examine the Coverage: Evaluate the coverage of your auto insurance plan well and see if it includes everything you need. Get a few add-ons if necessary and find the best possible comprehensive plan for your car.

Tips to Reduce Your Motor Car Insurance Premium in UAE

Here are 7 easy-to-follow tips to effectively reduce your car insurance premium significantly:

1. Compare Insurance Providers: Evaluate coverage options, deductibles, and extras from different companies. Consider customer reviews and the claim settlement process to find the best deal.
2. Opt for A Higher Deductible: Assess your risk tolerance and potential savings with a higher deductible. Seek advice from professionals to choose the right amount based on your financial situation.
3. Maintain A Good Driving Record: Drive safely, avoid accidents, and consider defensive driving courses to qualify for lower premiums.
4. Bundle Your Insurance Policies: Consolidate your coverage under one provider to qualify for multi-policy discounts and simplify paperwork.
5. Install Anti-theft Devices: Research and install reputable anti-theft devices like wheel clamps, steering wheel locks, immobilizers, etc. to lower the theft risk and ask for discounts from your insurance provider. 
6. Drive A Safe and Low-Risk Car: Choose a car with good safety ratings, install safety features, and store your vehicle in a secure location, and drive safely to minimize risks and save on premiums.
7. Take A Defensive Driving Course: Enroll in approved defensive driving courses to improve your driving skills and qualify for lower insurance premiums.

Documents Required to Buy or Renew Car Insurance in UAE

Given below is the complete set of documents you will need to buy or renew your car insurance in Dubai, UAE at any given time. Online purchases may only require you to submit the details with or without scanned versions of the documents. The offline purchase will require you to bring the originals as well as a few copies, as mentioned below:

• Registration details of your car including the registration number. Originals are required when making an offline purchase
• Engine number, chassis number and other details related to the car
• Personal documents and details of the driver for example, driving licenses, address proof, phone number, etc.
• A copy of your passport,resident visa & Emirates ID
• Number of your previous insurance policy, if you had any

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FAQs About Car Insurance Dubai