List of Top 10 Best Car Insurance in UAE. Car Insurance is a service consent between two parties, one is an insurance provider and another is an insurance gainer means the vehicle owner. It is a risk alleviation providing multiple services by the insurer. They provide financial protection to the policyholder against accidents, damage to property or health of the vehicle’s driver or passengers, and damage to other parties caused by the policyholder’s vehicle.
What is Car Insurance?
Car insurance is also known as motor insurance, the compensation of which is provided by the insurer to the policyholder in case of damage to property, accident etc. When buying a car, the company insures the owner of the vehicle against damage, injury, theft, etc. by imposing the terms and conditions of the car insurance policy.
Have you read it Top 10 Car Insurance Companies in Dubai 2025Documents required to get your car insurance
Before submitting the insurance application must ensure that you have the following documents. The information includes details of your car such as place of registration, year of manufacture, and estimated value of your vehicle. Moreover, you have to provide your details:
- Nationality
- Contact Information
- DOB
- Years of driving without insurance
- Your Full Name
- The country where your first driver’s license was registered
Best Car Insurance in Dubai, UAE
In my view, almost all car insurance is reliable and almost all policies and conditions are the same for each insurance company. Here I have articulated the name of the Best car insurance in UAE.
Among the best car insurance in the UAE, Al Buhaira National Insurance Company (ABNIC) is a prime and provides multiple services and options for its customers to choose from including third-party liability coverage, comprehensive coverage, and add-on coverage options such as roadside assistance, and no-claims discounts.
Top 10 Car Insurance Companies in UAE | Auto Insurance Dubai
After a deep exploration, I have found several names of Car Insurance Companies in the UAE. Here I have elaborated names of the top 10 best insurance companies in Dubai, UAE. Cheap and Best Car Insurance in UAE.
RSA Insurance
| RSA Insurance | |
|---|---|
| Available Options | Comprehensive Car Insurance Motor Executive Motor Smart Third-Party Liability Insurance (Motor Value) |
| Third-Party Car Damage Cover | AED 3,500,000 – Motor Smart and Motor Value AED 5,000,000 – Motor Executive |
| Windscreen Cover | Included |
| Emergency Medical Expenses | AED 6,000 (Motor Executive) AED 3,500 (Motor Smart) |
| Personal Injury | AED 20,000 |
| Personal Accident Cover (driver/passenger) | AED 200,000 (separately for the driver and each passenger) |
| Add-Ons | All Plans: Rent-a-Car Benefit, GCC Cover Only Motor Smart: Personal Accident Cover, Agency Repairs, Breakdown Recovery |
Salama Takaful Insurance
| Salama Takaful Insurance | |
|---|---|
| Available Options | Comprehensive Car Insurance |
| Third Party Car Damage Cover | AED 3.5 million |
| Third Party Liability (Family) | AED 200,000 |
| Emergency Medical Expenses | AED 5,000 |
| Off-Road Cover | For SUVs (as per the Insured Value) |
| Windscreen Damage | AED 4,000 |
| Personal Accident Benefit (Driver) | AED 200,000 |
| Personal Accident Benefit (Passenger) | AED 200,000 (each passenger) |
| Personal Belongings | AED 5,000 |
| Add-Ons | Agency Repairs Rent-a-Car (10 days) |
Abu Dhabi National Takaful Company
| Abu Dhabi National Takaful Insurance | |
|---|---|
| Available Options | Comprehensive Car Insurance |
| Third-Party Car Damage Cover | Included |
| Emergency Medical Expenses | Covered |
| Personal Injury/Accident | Covered for the insured driver as well as an employee driver |
| Personal Belongings (in the car) | Covered against fire and theft |
| Windscreen Damage Repairs | Covered for Personal Cars only |
| Off-Road Cover | Covered for 4×4 cars |
| Additional Free Services | Flat tire, battery boosting, look-out service, towing, Rent-A-Car (24 hours), and mechanical breakdowns. |
Read Also: Top 10 Best Car Insurance Companies in FujairahTokio Marine Insurance
| Tokio Marine Insurance | |
|---|---|
| Available Options | Comprehensive Car Insurance Tokio MustTokio Smart Plus Tokio Million Privilege Third-Party Liability Insurance |
| Third-Party Car Damage Cover | AED 2 million (Third Party and Tokio Must) AED 3.5 Million (Tokio Smart Plus) AED 5 Million (Tokio Million Privilege) |
| Windscreen Damage Waiver | One-Time Complete Coverage Unlimited (Tokio Million Privilege) |
| Emergency Medical Expenses | AED 3,000 (Tokio Must) AED 4,000 (Tokio Smart Plus) AED 10,000 (Tokio Million Privilege) |
| Personal Injury | AED 10,000 (Tokio Must) AED 15,000 (Tokio Smart Plus) AED 25,000 (Tokio Million Privilege) |
| Personal Belongings | Off-road vehicle cover (included in (Tokio Million Privilege)Personal Accident Cover – driver and passengers (third party) |
| Personal Accident Cover (driver/passenger) | As per company policies |
| Off-Road Cover | Covered for comprehensive |
| Add-Ons | Off-road vehicle cover (included in (Tokio Million Privilege) Personal Accident Cover – driver and passengers (third party) |
Adamjee Insurance
| Adamjee Insurance | |
|---|---|
| Available Options | Comprehensive Car Insurance |
| Third Party Car Damage Cover | Covered |
| Geographical Expansion | UAE and Yas Marina Circuits (conditions apply) |
| Agency Repairs | Covered |
| Add-Ons | Emergency Medical Expenses (AED 5,000) Personal Injury (AED 30,000) Personal Accident (up to AED 200,000) Off-Road Cover (for SUVs) Courtesy Car Cash Benefit |
Noor Takaful Insurance
| Noor Takaful Insurance | |
|---|---|
| Available Options | Comprehensive Car Insurance Third-Party Liability Insurance |
| Third-Party Car Damage Cover | AED 2 million |
| Emergency Medical Expenses | AED 4,000 |
| Personal Belongings | AED 4,000 |
| Personal Accident Cover (driver/passenger) | As per company policies |
| Off-Road Cover | Covered for comprehensive |
| Add-Ons | Oman Extension (comprehensive) Off-road vehicle cover (comprehensive) Rent-a-Car (comprehensive) Personal Accident Cover – driver and passengers (comprehensive plan) |
Never miss this: Top 10 Best Car Insurance Companies in AjmanAl Fujairah National Insurance Company (AFNIC)
| Al Fujairah National Insurance Company(AFNIC) | |
|---|---|
| Available Options | Comprehensive Car Insurance Third-Party Liability Car Insurance |
| Third-Party Car Damage Cover | Included |
| Emergency Medical Expenses | Covered |
| Driver and Passenger Covers | Up to AED 200,000 |
| Windscreen Damage Repairs | Covered for Personal Cars only |
| Off-Road Cover | Not Covered |
| Add-On Services | Personal Accident Covers |
Al Sagr Insurance
| Al Sagr Insurance | |
|---|---|
| Available Options | Comprehensive Car Insurance Third-Party Liability Insurance |
| Third-Party Car Damage Cover | AED 2 Million |
| Personal Injury | AED 20,000 |
| Geographical Expansion | UAE (Oman as well for Prestige and Perfect) |
| Personal Accident Cover (driver/passenger) | AED 200,000 (optional add-on) |
| Off-Road Cover | Available with AXA Prestige and Perfect plans |
| Add-Ons | Cover for the driver and passengers Personal Effects – Up to AED 2,000 Windscreen Cover-Up to AED 2,000 Medical Cover-Up to AED 2,000 Oman Extension Orange Card Extension |
AXA Car Insurance
| AXA Insurance | |
|---|---|
| Available Options | Comprehensive Car Insurance Motor Prestige Plan Motor Perfect Plan Third-Party Liability Insurance |
| Third-Party Car Damage Cover | AED 3.5 million – AXA Perfect and Third-Party plans AED 5 million –AXA Prestige plan |
| Windscreen Damage Waiver | Complete Cover (Prestige) Up to AED 5,000 (Perfect) |
| Emergency Medical Expenses | AED 6,000 (Prestige) AED 3,500 (Perfect) |
| Personal Injury | AED 20,000 (Prestige and Perfect) |
| Geographical Expansion | UAE (Oman as well for Prestige and Perfect) |
| Personal Accident Cover (driver/passenger) | AED 200,000 (optional add-on) |
| Off-Road Cover | Available with AXA Prestige and Perfect plans |
| Add-Ons | GCC Cover (AXA Prestige and Perfect) Personal Accident Benefits Cover – Driver (all plans) Personal Accident Benefit Cover – Passenger (all plans) |
Oman Insurance
| Oman Insurance | |
|---|---|
| Available Options | Comprehensive Car Insurance Third-Party Liability Insurance InsureMyTesla (tailor-made plan for Tesla owners) High Net Worth Motor Cover (luxury vehicles) |
| Third-Party Car Damage Cover | AED 3,500,000 – Comprehensive and Third-Party Liability Covers AED 5,000,000 –Insure MyTesla and High Net Worth Motor Cover |
| Windscreen Cover | AED 3,000 |
| Emergency Medical Expenses | AED 5,000 |
| Personal Injury | AED 30,000 |
| Geographical Expansion | UAE and Oman (Qatar as well for High Net Worth Motor Covers) |
| Personal Accident Cover (driver/passenger) | AED 200,000 (optional add-on) |
| Add-Ons | Personal Accident Benefit Courtesy Car Cash Benefit (included in high net worth motor cover at AED 10,000) Rent-a-Car Benefit Off-road Coverage for SUVs (included in high net worth motor cover |
Types of Car Insurance
There are two types of car Insurance available in the market in the UAE.
Coverage of Comprehensive Car Insurance Dubai, UAE
Comprehensive insurance safeguards your vehicle from unexpected damage that is not a result of a collision, including various events. These types of incidents may include:
- Theft
- Vandalism, fire and explosion
- Windshield and glass damage
- Fallen trees/limbs and other objects
- Rocks/objects thrown or thrown from cars
- Hurricanes, hail, tornadoes, floods, lightning and earthquakes
- Accidents with animals (eg, hitting a buffalo)
Comprehensive Car Insurance Dubai Price
The cost of car insurance in the UAE ranges from 1.25% to 3% annually of the value of the car.
Coverage of Third Party Car Insurance Dubai, UAE
Third-party car insurance in the UAE is mandatory and covers accidental damages caused by a third-party vehicle, while liability insurance does not. It may include these types of incidents:
- Damage to third-party property.
- Theft
- The policy covers the medical expenses of third parties and imposes a penalty in case of their death.
- The third-party insurance policy will cover losses resulting from natural calamities.
- The company is responsible for replacing or covering the cost of damaged vehicle parts in case of an accident.
Third Party Car Insurance Dubai Price
Third-party car insurance premiums commence as low as AED 600 per year.
Read Also: Fleet Insurance | Motor Fleet InsuranceWhich is the best car insurance in UAE
As far as I know, Al Buhaira National Insurance Company (ABNIC) is the best car insurance in the UAE. It offers many services with the determination of the best car insurance.
ABNIC is a well-established insurance company in the United Arab Emirates (UAE) and was founded in 1980 and based in Sharjah. It offers a wide range of insurance services encompasses personal, commercial, and industrial insurance with high-quality insurance.
