Best Car Insurance Companies in Abu Dhabi

Top 10 Best Car Insurance Companies in Abu Dhabi 2024

Car Insurance Abu Dhabi: Abu Dhabi is the capital city of the United Arab Emirates and the second most populous with a total population of 1.5 million as of 2021. With the expanding population in Abu Dhabi, the insurance companies are also expanded to serve the service for protection against accidents, theft, injury, fire, burglary, natural calamities, etc.

Insurance companies claim to protect policyholders with complete coverage. You can explore the wide range of the insurance company in Abu Dhabi.

Top 10 Car Insurance Companies in Abu Dhabi

1. Noor Takaful

Noor Takaful Insurance Limited is authorized and regulated by the National Insurance Commission and RTC NO. 091. It is an Islamic insurance company revealed in the UAE market in 2009. Noor Takaful offers a wide range of insurance policies and is better for medical, car, home, travel, family, and boat insurance. Those looking for car insurance can consider looking at the benefits of Noor Takaful Insurance Company.

Noor Takaful Comprehensive Car Insurance Plans

Inclusions

  • Third Party Liability
  • Third Party Liability
  • Damage to Your Own Vehicle
  • Damages Due to Strikes/ Riots/ MD
  • Loss of Personal Belongings
  • Windscreen Excess Waiver
  • Emergency Medical Expenses
  • Ambulance Service
  • Taxi Fares
  • New Car Replacement in Case of Total Loss – Auto Gap
  • Personal Injury
  • Lock Replacement
  • Valet Parking Cover
  • Off Road Cover
  • Fire and Theft Cover
  • Child Car Seat Replacement
  • Agency Repair
  • Off Road Recovery
  • Emergency Repair Expense

Exclusions

  • Involuntary Loss of Employment Insurance
  • Airport Pick and Drop Service

Add-Ons

  • Personal accident (PA) cover for the driver
  • Catastrophe coverage
  • Vehicle Replacement
  • Oman Cover
  • Personal Accident (PA) Cover for Passenger
  • Roadside aid

Noor Takaful Third-Party Car Insurance Plans

  • Third-Party Assets Damage
  • Third-party bodily harm

2. Adamjee Insurance

Adamjee Insurance was established in Pakistan in 1960 as a publicly listed company on the Pakistan Stock Exchange Limited. It is one of the leading general insurance companies in Pakistan. It offers motor, health, and travel insurance under comprehensive and third-party car insurance plans.

Here are the following lists that Adamji Insurance Company Limited (AICL) covers.

Check the Best Car Insurance in UAE

Adamjee Comprehensive Car Insurance Plans

Inclusions

  • Third Party Liability
  • Third Party Liability
  • Damage to Your Own Vehicle
  • Damages Due to Strikes/ Riots/ MD
  • Windscreen Excess Waiver
  • Fire and Theft Cover

Exclusions

  • Loss of Personal Belongings
  • Emergency Medical Expenses
  • New Car Replacement in Case of Total Loss – Auto Gap
  • Lock Replacement
  • Involuntary Loss of Employment Insurance
  • Valet Parking Theft Cover
  • Agency Repair
  • Airport Pick and Drop Service

Add-Ons

  • Personal accident (PA) cover for the driver
  • Catastrophe coverage
  • Vehicle Replacement
  • Personal Accident (PA) Cover for Passenger
  • Roadside aid

Adamjee Third-Party Car Insurance Plans

Inclusions

  • Third-Party Liability
  • Third-Party Damage

Exclusions

  • Damage to Your Own Vehicle

Add-Ons

  • Personal accident (PA) cover for the driver
  • Personal Accident (PA) Cover for Passenger
  • Roadside Aid

3. Al Wathba Insurance Company

Al Wathba National Insurance Company (AWNIC) has a robust capital base of AED 207 million with over twenty years of experience. It was established in 1996 and has a ‘BBB’ rating from S&P Global. It offers a wide range of insurance products in multiple categories including home, motor, travel, UAE visit, yacht, pet, and jet ski insurance.

Below you can see an insight about the coverage included in comprehensive and third-party coverage of Al Wathba National Insurance Company.

Al Wathba Comprehensive Car Insurance Plans

Inclusions

  • Third Party Liability
  • Third Party Liability
  • Damage to Your Own Vehicle
  • Damages Due to Strikes/ Riots/ MD
  • Windscreen Excess Waiver
  • Fire and Theft Cover
  • Loss of Personal Belongings
  • Ambulance Service
  • Agency Repair
  • Car Registration Service
  • International Driving Licence

Exclusions

  • Emergency Medical Expenses
  • No Claim Discount Protection
  • New Car Replacement in Case of Total Loss – Auto Gap
  • Lock Replacement
  • Valet Parking Theft Cover

Add-Ons

  • Personal accident (PA) cover for the driver
  • Catastrophe coverage
  • Vehicle Replacement
  • Personal Accident (PA) Cover for Passenger
  • Roadside aid
  • Oman Cover

Al Wathba Third-Party Car Insurance Plans

Inclusions

  • Third-Party Liability
  • Third-Party Damage
  • Damage to Your Own Vehicle
  • Accident and Breakdown Recovery
  • Flat Tyre Service
  • Emergency Fuel Services
  • Battery Boost Services

Exclusions

  • NA

Add-Ons

  • Personal accident (PA) cover for the driver
  • Personal Accident (PA) Cover for Passenger
  • Roadside Aid

4. Tokio Marine Insurance

Tokyo Marine Insurance was founded in Japan and went public back in 1976 as one of the most popular insurance providers in the UAE. It offers comprehensive plans and third party liability plans offering home, travel, car, and SME insurance products as well as corporate insurance such as marine cargo, property, money, fidelity, and more. Currently, the insurer operates in more than 40 countries and territories and has 155 subsidiaries.

Perceive the advantage and the coverage of the Tokio Marine Insurance below.

Tokio Marine Comprehensive Car Insurance Plans

Inclusions

  • Third-Party Damage
  • Third-Party Bodily Injuries
  • Ambulance Service
  • Personal Injury
  • Loss of Benefit Allowance
  • Fire and Theft Cover
  • New Car Replacement in Case of Total Loss
  • Car Hire Cash Benefit
  • Self Authorisation Repairs
  • Accident & Breakdown Recovery
  • Off Road Cover

Exclusions

  • NA

Add-Ons

  • Personal accident (PA) cover for the driver
  • Catastrophe coverage
  • Personal Accident (PA) Cover for Passenger
  • Roadside aid

Tokio Marine Third-Party Car Insurance Plans

Inclusions

  • Third-Party Liability
  • Third-Party Damage
  • Accident and Breakdown Recovery
  • TPL Bodily Injuries
  • Ambulance Service

Exclusions

  • NA

Add-Ons

  • Personal accident (PA) cover for the driver
  • Personal Accident (PA) Cover for Passenger

5. Salama Takaful Insurance

SALAMA is an Islamic Arab Insurance Company and one of the world’s largest and oldest company in the UAE. It is a Shariah-compliant-based takaful provider, listed in the Dubai Financial Market with a paid-up capital of 939 Million AED ( 255 Million USD) these days and was incorporated in 1979.

Here are elaborated Salama’s benefits and other coverage in a sort.

Salama Comprehensive Car Insurance Plans

Inclusions

  • 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

Exclusions

  • Involuntary Loss of Employment Insurance
  • International Driving License Exemption

Add-Ons

  • Personal accident (PA) cover for the driver
  • Catastrophe coverage
  • Vehicle Replacement
  • Oman Cover
  • Personal Accident (PA) Cover for Passenger
  • Road side aid

Salama Third-Party Car Insurance Plans

Inclusions

  • Third-Party Liability
  • Third-Party Damage

Exclusions

  • Damage to Your Vehicle

Add-Ons

  • Personal accident (PA) cover for the driver
  • Personal Accident (PA) Cover for Passenger
  • Roadside Aid

6. Abu Dhabi National Takaful Company

Abu Dhabi is a Takaful insurance provider solution for the national Takaful regional market and a public shareholding company with a paid-up capital of AED.100,000,000.. It was established in 2003 with its headquarters in Abu Dhabi and the insurer provides the entire UAE with offices in Abu Dhabi, Al Ain and Dubai. The Abu Dhabi National Takaful honored as the first Takaful Operator in the Emirates of Abu Dhabi licensed by the Ministry of Economy & Commerce.

Check out insights about Abu Dhabi National Takaful Company’s coverage.

Abu Dhabi National Takaful Comprehensive Car Insurance

Inclusions

Loss or damage to the vehicle due to:

  • Fire
  • Malicious Act of Any Third Party
  • Theft or Burglary
  • Accidental Collision or Overturning

Exclusions

  • N/A

Add-Ons

  • Agency Repair
  • No Claim Discounts
  • Emergency Medical Expenses
  • Accident Towing Service
  • Emergency Roadside Aid
  • Mechanical Breakdown in Towing Service
  • Battery Boosting
  • Car registration – once a year
  • Flat Tyre Fixing
  • Look-Out Service
  • Roadside Aid
  • Fuel Delivery Service

Abu Dhabi National Takaful Company Third Party Liability Car Insurance

Inclusions

  • Damages for Property and Materials Except Those Owned by the Insured or the Driver
  • Death or bodily injury to any person (including passengers in the vehicle) other than the insured or the driver and employees of the insured at the time of the accident.

Exclusions

  • N/A

Add-Ons

  • National Ambulance Service
  • Car Replacement Service
  • Off Road Coverage
  • Oman Extension
  • Legal liability for passengers including driver’s household members and insured employees
  • Increased Third Party Property Damage Limit
  • Windscreen Damage Claim for Private Vehicles
  • Natural disasters such as hurricanes, earthquakes, and riots
  • Income Protection Takaful Plan

7. Sukoon Insurance (formerly Oman Insurance)

Sukoon Insurance is a most oldest insurance provider company among the other insurance companies. It has served customers for 50 years in the UAE. It provides insurance policies for both individuals and businesses with a wide range of insurance products including insurance, car insurance, travel insurance, personal accident coverage, yacht insurance, etc.

Below are the functions and benefits provided by Sukun.

Sukoon Comprehensive Car Insurance Plans

  • Agency Repairs
  • Windscreen Cover
  • Coverage for Natural Disasters, Floods, Storms, Strikes, Civil Commotions, and Riots
  • Personal Accident Cover
  • Emergency Medical Expenses
  • Personal Belongings Cover
  • Third Party Property Damage
  • Off Road Cover
  • Valet Parking Theft Cover
  • Personal Injury Cover
  • Courtesy Car Cash Benefit
  • Emergency Roadside Aid

Sukoon Third Party Car Insurance Plans

Inclusions

  • Third Party Bodily Injury
  • Loss of Use Allowance
  • Third Party Property Damage
  • Ambulance Cover

Add-Ons

  • Personal accident benefit for the driver
  • Personal Accident Benefits for Passengers
  • Roadside Aid

8. Al Sagr Insurance

Al Sagr National Insurance Company is renowned for its commitment to providing top-notch services. Well, it was founded in 1979 by registering the UAE’s Ministry of Economy and Commerce and bears a commendable rating of B++ as per A.M. Al Sagr delivers motor insurance and travel insurance within comprehensive and third-party liability insurance plans.

Note the key points of Al Sagr Insurance’s Inclusions, Exclusions and Add-Ons referring in a sort.

Al Sagr Comprehensive Car Insurance Plans

Inclusions

  • Third Party Damage
  • Third Party Liability
  • Damage to Your Vehicle
  • Emergency Medical Expenses
  • Windscreen Damage

Exclusions

  • Damage to Your Vehicle

Add-Ons

  • Personal Accident (PA) Cover for Driver
  • Personal Accident (PA) Cover for Passenger
  • Natural catastrophe cover
  • Road Side Aid
  • Oman Cover – Own Damage Included
  • Replacement of Vehicle

Al Sagr Third-Party Car Insurance Plans

Inclusions

Loss or damage to the vehicle due to:

  • Fire
  • Malicious Act of Any Third Party
  • Theft or Burglary
  • Accidental Collision or Overturning

Exclusions

  • N/A

Add-Ons

  • Agency Repair
  • No Claim Discounts
  • Emergency Medical Expenses
  • Accident Towing Service
  • Emergency Roadside Aid
  • Mechanical Breakdown in Towing Service
  • Battery Boosting
  • Car registration – once a year
  • Flat Tyre Fixing
  • Look-Out Service
  • Roadside Aid
  • Fuel Delivery Service

9. AXA (GIG Gulf) Insurance

GIG Gulf, formerly known as AXA, Currently, it serves more than one million customers by offering a plethora of insurance options including health, home, travel, car and yacht insurance. AXA provides both Comprehensive and Third-Party Liability to its customers.

Grab the benefits and features offered by the AXA (GIG Gulf) listed below.

Axa Comprehensive Car Insurance Plans

Inclusions

  • Third-Party Damage
  • Third-Party Liability
  • Damages Due to Strikes/ Riots/ MD
  • Windscreen Excess Waiver
  • Damage to Your Vehicle
  • Valet Parking Theft Cover
  • Loss of Personal Belongings
  • Emergency Medical Expenses
  • No Claim Discount Protection

Exclusions

  • Racing or Vehicle Testing
  • Damages Due to Electrical or Mechanical Breakdown
  • Damages Due to Intentional Actions That Violate UAE Laws

Add-Ons

  • Personal Accident (PA) Cover for Driver
  • Personal Accident (PA) Cover for Passenger
  • Natural catastrophe cover
  • Oman Cover
  • Replacement of Vehicle
  • Roadside Aid

Axa Third-Party Liability Car Insurance Plans

Inclusions

  • Third Party Damage
  • Third Party Liability
  • Ambulance Service

Exclusions

  • Damage to Your Vehicle

Add-Ons

  • Personal Accident (PA) Cover for Driver
  • Personal Accident (PA) Cover for Passenger
  • Road Side Assistance Aid
  • Oman Cover

10. Oriental Insurance

Oriental Insurance originated in India in 1947 owned by the Indian government with its headquartered in Delhi. It has a total of 31 regional offices and more than 1,800 operating offices across several countries encompasses Dubai, Nepal, and Kuwait. Oriental Insurance insurance offers various types of insurance policies for motor, household, and personal accidents. Oriental’s auto insurance is divided into 4 segments – comprehensive, third-party liability, motorcycle, and fleet comprehensive insurance.

Here are mentioned the Inclusions, Exclusions and Add-Ons of the Oriental Insurance.

Oriental Comprehensive Car Insurance Plans

Inclusions

  • Third-Party Damage
  • Third-Party Liability
  • Damages Due to Strikes/ Riots/ MD
  • Windscreen Excess Waiver
  • Damage to Your Vehicle
  • Lock Replacement
  • Valet Parking Theft Cover
  • Off Road Cover
  • Agency Repair
  • Fire and Theft Cover
  • Ambulance Service
  • Emergency Medical Expenses

Exclusions

  • Child Car Seats
  • Involuntary Loss of Employment Insurance
  • Child Car Seats
  • Alloy Wheel Replacement

Add-Ons

  • Personal Accident (PA) Cover for Driver
  • Personal Accident (PA) Cover for Passenger
  • Natural catastrophe cover
  • Road Side Aid
  • Car Hire Cash Benefit
  • Replacement of Vehicle

Oriental Third-Party Car Insurance Plans

Inclusions

  • Third Party Damage
  • Third Party Liability

Exclusions

  • Damage to Your Vehicle

Add-Ons

  • Personal Accident (PA) Cover for Driver
  • Personal Accident (PA) Cover for Passenger

In Conclusion

In Abu Dhabi, there are lots of insurance companies. Most residents of Abu Dhabi may be confused about which policies each single company that which are better or not. In this article, I have gone into as much depth as I know. Therefore, before buying the insurance one should check carefully and contact them with free hassle.

FAQs

As I know, AXA Insurance, Oman Insurance Company, RSA Insurance, Noor Takaful, and Abu Dhabi National Insurance Company (ADNIC) are perfect for every policyholder.

Currently, comprehensive, fleet and Third-party liability insurance are available in Abu Dhabi.

Before buying car insurance in Abu Dhabi must accumulate:

  • Copy of your Emirates ID (Resident Identity Card).
  • Vehicle registration details.
  • Driving license copy.
  • Vehicle details (make, model, year of manufacture).

In any case, if you need to file a car insurance claim must contact your insurer as soon as possible, and after that, you should fill out a claim form and submit the required documents (police report, repair estimates, etc.) lastly, chase up with the insurer for claim status and settlement.

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Mo. Arif Khan

Hello! I am the founder of abudhabitrafficfines.com, my main aim is to help residents living in UAE by providing accurate and up-to-date guides on fines.

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