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What is Car Insurance

Car insurance that covers damage to your car, as well as any injuries you or other accident participants may experience, is car insurance. Most emirates have laws requiring this insurance, which shields you from additional financial obligations brought on by accident.

Car insurance acts as a financial safety net in the event that you are held liable for accident-related damages or medical costs. There are two forms of car insurance in UAE: comprehensive car insurance and third-party car insurance. Thanks to technological developments, you may get car insurance online with ease.
What is Car Insurance

Why Should You Buy Car Insurance

Car journeys are not always safe, and you, as well as the people in your car, are exposed to accidental risks every time your car is out on the road. A car insurance policy comes to your rescue in unforeseen accidents. Everyone must have car insurance in UAE to ensure their peace of mind as well as the safety of their vehicle. The mechanism is simple; you pay a yearly premium to the insurance company, and in return, it takes the responsibility and risk of handling your car repair expenses in case of an accident, collision, or total loss of the car.

Best Car Insurance Policies you can Buy online With
Prominent Insurance Brokers

Here is the list of best & the affordable car insurances Providers:

RSA Logo

RSA Insurance

GIG Insurance

Watania Takaful Insurance logo

Watania Takaful

Sukoon Insurance

Tokio Marine

Dubai National Insurance

Emirates Insurance

Qatar Insurance

The New India Assurance

Car Insurance Plans That Fit Your Needs

We offer all that you require! Choose as per your needs

Car Insurance UAE is of 2 typesComprehensive Car Insurance and Third Party Car Insurance. These are differentiated on the basis of coverage offered, scope, and tenure of the plan. It is compulsory to possess at least a basic level of car protection for your automobile at all times. Let’s take a look at car insurance plans that fit your needs:

Additionally, look for cover extras. Prompt roadside aid proves to be a vital add-on for your motor insurance policy in an emergency. Cover extras can cover roadside emergencies like flat tires or run out of fuel.

Features of Car Insurance

Car insurance is one of the best ways to keep your car free of third-party liability or costs of repair incurred during accidents. Explore these essential features of Car Insurance UAE:

Driver and passenger coverage.

Natural calamity cover.

Rental car coverage.

Agency repairs, non-agency repairs and premium workshop repairs.

The convenience of completing the claim procedure online or offline.

Car Insurance renting services provide coverage of up to AED 200,000.

Avail of claim assistance.

The minimum premium amount for saloon starts at 700 and 4wd starts at 1100. T&C apply.

Car Insurance UAE brings you up to 45% savings.

Avail of the best-customized insurance quotes online.

Benefits of a Car Insurance Policy

While car insurance in Dubai is a mandatory requirement by the UAE government, it has turned out to be the most beneficial choice for car owners.

Statutory obligations are met.

Improved Financial Stabilization.

Personal accident cover.

Protection From Third-Party Lawsuits.

Large network of garages.

4-wheeler insurance Against Theft, fire, or Loss of Car.

No claim bonus.

Documents Required To Buy Car Insurance Online & Offline

The list of documents given below is required to buy or renew car insurance in Dubai. While general car insurance online might only require you to submit scanned documents, the offline car insurance process requires soft copies.

file info

Personal documents

Details of the driver, for instance, driving license, etc

Car registration

The registration details of your car, like registration number.


The number of your Mulkiya.

Car details

Engine number, chassis number, and other details about the car.

Emirates ID

A copy of Emirates ID

Car Insurance Terminology You Need to Know

Car Insurance Dubai has an array of terminologies you must be aware of:

Actuary : An actuary is a specialist who evaluates the risks connected to the specifics covered by the insurance business. If the insurance provider agrees to safeguard a car, they are responsible for determining the chances of experiencing a loss.

Claim : In the context of a car insurance policy, a claim is a formal request that a policyholder makes to the insurance company to have them pay the comprehensive coverage associated with the loss or damage to the vehicle.

Claim Settlement Ratio : The CSR, or claim settlement ratio, is a number that insurance firms are assigned based on how many claims they resolve out of all the claims that are presented to them.

Deductible : In the instance of a claim, the insurance holder will be responsible for paying a portion of the entire cost, called deductible.

Surcharge : A surcharge is an extra sum that is charged to the premium at a later time during the term of the plan if the policyholder engages in behaviour that puts the insurer at greater risk. Poor or hasty driving, carelessness with the vehicle, and other factors are possible justifications for the premium surcharge.

Why Renew Car Policy with Prominent Insurance Brokers?

Car Insurance renewal is necessary to keep the protective benefits of a car insurance policy running. Renewing a car insurance policy through prominent insurance brokers ensures that you avail of the No Claim Bonus.

Moreover, if you forget to renew your car insurance policy on time or before the expiry of your existing policy, these brokers will ensure timely renewal services. A prominent car insurance broker renders the benefit of the best car insurance in UAE by giving you a transparent and assisted process wherein you’re unlikely to be scammed for extra or hidden costs.

Frequently Asked Questions on Car Insurance Dubai

To buy car insurance online with professional insurers like PIB Secure can be a great alternative. When purchasing insurance, gather as many quotations as you can to ensure that your choice is well-informed.

Due to lower operational costs and a lack of intermediaries, car insurance online policies supplied by digital-first insurers are typically more reasonable than offline ones. This results in lower commission charges.

Annual car insurance in Dubai typically ranges from 1.25 to 3 percent of the vehicle’s worth. The number of prior insurance claims, the driver’s age, etc., are additional variables that may affect the price of a car insurance policy.

Car insurance premiums are often paid once as an annual premium. The amount of your 4-wheeler insurance premium, although, will depend on the insurer you have chosen.
It is recommended that you extend your car insurance in Dubai and the UAE one day before it expires for the previous year. Furthermore, if you are unable to renew your car insurance on time, you will be given a grace period of 30 days after the expiry to do so, in accordance with RTA regulations.

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