Car insurance is a contract that establishes the obligation of an insurance company to cover the needs of a vehicle owner in case of an accident. In the UAE, basic car insurance is mandatory for all motorists owning a vehicle. Every driver must have at least third-party coverage to be able to drive in the Emirate. Abu Dhabi is no exception. Car insurance in Abu Dhabi is usually the first thing you have to get after buying a vehicle in the UAE’s capital.
This is your complete guide to car insurance in Abu Dhabi. Read on to find out all about types, cost of insurance and places to get the best car insurance in the capital.
Types of Car Insurance in Abu Dhabi
Auto insurance companies in Abu Dhabi offer two types of insurance policies that motorists can select from as per their requirements. Before that, you must know the difference between comprehensive and third-party car insurance.
- Third-party car insurance
- Comprehensive car insurance
Third-party Liability (TPL) Car Insurance
As per the Abu Dhabi traffic laws, each vehicle owner must get third-party insurance. This type of insurance only covers the damage caused by you to the other party. Therefore, it doesn’t cover the damage caused to your vehicle. TPL does the basic coverage, it is one of the most affordable car insurance policies that one can find in Abu Dhabi. You can get it from the car insurance brokers in Abu Dhabi.
Check this guide to learn more about the benefits of third-party car insurance.
Comprehensive Car Insurance
A comprehensive car insurance policy doesn’t only cover the third-party liability, but also the repair cost of your vehicle. This auto insurance policy in Abu Dhabi also covers the loss or damage caused due to theft, self-ignition, fire explosion or acts of vandalism.
A comprehensive car insurance policy is optional for vehicle owners. However, if your car is still on the lease, you might need to buy this policy until all the car loans are paid off. For added security, you can also opt for gap insurance that covers the loan amount if a vehicle is totalled.
Add-on Cover Options in Comprehensive Car Insurance Policy
You can also avail of maximum protection by pairing the comprehensive car insurance policy with the additional add-on cover options. Considering your needs, given are some of the additional benefits that one can get from a premium subscription:
- Theft and Fire: The add-on will cover the loss and damage caused due to theft and fire.
- Windscreen Cover: The cost of replacement and repair of the broken and damaged windscreen.
- Off-Road coverage: Many companies also offer off-road coverage on unmarked roads.
- Personal accident cover: This add-on provides financial compensation for bodily injury of the person or belongings of the third-party accidents.
- Roadside assistance: This add-on covers mechanical repairs, towing, flat tires and battery boosts in case you run out of fuel or your vehicle breaks down suddenly.
- Agency Repair: This add-on service is ideal for all luxurious vehicles. It helps in getting services from authorised personnel in case of an accident.
- Medical expense: It covers the medical expenses incurred during accidents within 24 hours.
- GCC coverage: People who usually travel to Oman, Saudi Arabia or any other GCC country by car must need GCC insurance.
Top Car Insurance Companies in Abu Dhabi
To get the most reliable services, you need to know about the best car insurance companies in Abu Dhabi. Let’s dig into more details:
GIG Gulf Insurance
With the finest reputation in the market, GIG Gulf Insurance (previously known as AXA Car Insurance Abu Dhabi) is our first choice when it comes to selecting the best car insurance companies in Abu Dhabi. The company offers additional benefits including round-the-clock roadside assistance, Oman extension and more. Furthermore, this company is currently offering a 10% discount on the price of car insurance in Abu Dhabi.
For more information, you can use the below-mentioned details.
- Location: Plaza 30, Building 11, Block B – 72, Al Meel Street, Nahyan Area, Abu Dhabi
- Timing: Sunday to Friday: 08:00 am to 05:00 pm | Saturday: Closed
- Contact: 800-292 or +971 4 5074085
The company offer three types of insurance policies:
- Motor Prestige: Third-party property damage coverage is AED 5 million, while personal injury cover is AED 20,000, the maximum available agency repair period is 5 years and personal accident benefit.
- Motor Perfect: Third-party property damage coverage is AED 3.5 million, while personal injury cover is AED 20,000, and the maximum available agency repair period is up to 5 years (optional). It offers up to AED 3,500 for medical emergencies, whereas AED 4,000 for personal asset preservation.
- Motor Third Party: Third-party property damage is AED 3.55 million, while personal injury cover and maximum available agency repair period are not applicable. This insurance package also offers optional driver protection of up to AED 200,000 and passenger protection of the same amount.
ADNIC CAR INSURANCE
ADNIC Car Insurance offers trusted motor insurance plans for all types of cars. The company also helps customers safeguard the residual value of the car along with repair and replacement services. The company offers three packages.
- Standard: It is the basic one that covers third-party liability property damages up to AED 2,000,000.
- Gold: This comes with additional benefits and third-party liability cover up to AED 3,500,000.
- Third-Party Liability: It covers damages of up to 2,000,000, but doesn’t include damage to you or your vehicle.
For more details about the package available in ADNIC Car Insurance Abu Dhabi, you can visit or call the following number.
- Location: Mohamed Bin Khalifa Street, Al Danah, Zone 1, Abu Dhabi
- Timings: Monday – Thursday: 08:00 am to 05:00 pm | Friday: 08:00 am to 12:00 pm | Saturday and Sunday: Closed
- Contact: 8008040 | WhatsApp: +97124080900
SUKOON INSURANCE COMPANY
Moving on, our next pick is Sukoon Insurance, formerly known as Oman Car Insurance Abu Dhabi. The company is serving about 830,000 customers along with insured products for electric vehicles and other luxury cars. From Sukoon Insurance Abu Dhabi motorists can buy the following auto insurance plans at competitive pricing:
- Third-party car insurance
- Comprehensive insurance
- Privilege Motor
- InsureMyTesla
For more information and detailed prices of this auto insurance in Abu Dhabi, visit their office or contact them:
- Location: Salam Street, Al Markaziyah, Sheikh Nahyan Bin Khalifa, Building no. 126, Abu Dhabi
- Timings: Monday to Friday: 08:00 am to 05:00 pm | Saturday and Sunday: Closed
- Contact: +971 2 612 8444 | Toll-free number: 8004746
RSA INSURANCE
RSA is one of the oldest and most reliable insurance providers in the UAE. The company offers both third-party and comprehensive insurance policies. It offers three types of car insurance in Abu Dhabi: Motor Smart, Motor Executive and Motor Value.
- Location: Office No. 3105, 31st Floor, Al Tamouh Tower, Reem Island, Abu Dhabi, UAE
- Timings: Monday to Friday: 09:00 am to 05: 30 pm | Saturday and Sunday: Closed
- Contact: 800-722-RSA | +971 4 302 9800
EMIRATES CAR INSURANCE
At Emirates Car Insurance Abu Dhabi, you will find the comprehensive package, third-party insurance along with liability to passengers in the policyholder’s car. Besides insurance, the company also offers Motor Fleet Policies, which cover several vehicles under a single policy.
- Location: M26, Near American Veterinary Clinic, Musaffah, Abu Dhabi
- Timings: Monday to Thursday: 08:00 AM to 05:00 PM | Friday: 08:00 AM to 12:00 PM | Saturday and Sunday: Closed
- Contact for Car insurance (new or renewal): 80018 | +971 2 6440 400
Al Buhaira National Insurance
With over 43+ years of experience in motor insurance, Al Buhaira offers a range of insurance policies in the UAE. The company offers both comprehensive and third-party liability car insurance in Abu Dhabi at competitive pricing. You can get more details about their prices by visiting their website or contacting them via the following details:
- Location: Corniche Road, Al Danah, Zone 1, Abu Dhabi
- Timings: Monday to Friday: 08:30 AM to 05:00 PM
- Contact: +971 2 622 6200
Documents Required for Car Insurance in Abu Dhabi
- Duplicate copy of police report
- Copy of vehicle registration
- Copy of the driving license
- Emirates ID card
- Showroom Quotation and Bank Approval Letter for brand-new motor insurance
- Owner’s previous Registration Card or Possession Certificate, car photos and Passing Certificate of vehicle check for second-hand vehicles.
If you are planning to buy a used car in Abu Dhabi don’t forget to get it insured before taking it out on the road. You can find a range of used cars at market-competitive prices. The popular options are:
- Second-hand Toyota vehicles in Abu Dhabi
- Used Nissan cars for sale in Abu Dhabi
- Used Mercedes Benz vehicles in Abu Dhabi
- Second-hand BMW cars for sale in Abu Dhabi
Cost of Car Insurance in Abu Dhabi
The cost of car insurance in Abu Dhabi depends on the car’s value. The average premium rate in Abu Dhabi is 2.35% of the car’s value. Also, other factors influence the cost of car insurance such as the driver’s age, the number of insurance claims you have had earlier and what type of car you are buying. Also, you must know how to file a car insurance claim in the UAE in case of an accident.
Things to Consider When Changing
- Compare insurance offers
- Complete the desired tariff
- Cancel the current contract on time
- Pay the insurance fees on time
This concludes all about car insurance in Abu Dhabi. Since you know all about the insurance policies, available packages and best insurance companies in Abu Dhabi, analyse your needs before buying any package.
FAQs
Who Are the Best Car Insurance Brokers in Abu Dhabi?
An insurance broker helps customers to find the best car insurance price and package in Abu Dhabi. Here are the few top-rated car insurance brokers in Abu Dhabi according to the Google user reviews:
- Liberty Insurance Brokers LLC
- Al Nahda National Insurance Brokers Company
- Abu Dhabi Insurance Brokers LLC
- Howden Guardian Insurance Brokers LLC
Which car insurance is mandatory in Abu Dhabi?
Third-party liability is mandatory for all motorists in Abu Dhabi. The insurance policy covers basic coverage caused by the insured vehicle.
What does comprehensive car insurance cover?
As the name suggests, comprehensive car insurance in Abu Dhabi protects the insured vehicle from damages caused by different scenarios such as theft, vandalism, natural disasters and others. It also pays the damages to the third party, in case of any accidents.
What type of Car Insurance should I go for?
Car owners living in Abu Dhabi must consider their requirements and compare different options before buying them. You must also calculate the risk capacity, how much cost you can bear and what amount you can pay to buy the insurance policy.
For more information about car insurance policies, car maintenance tips and driving regulations in Abu Dhabi, stay tuned to the UAE’s leading auto blogs.
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