Car insurance is a contract between the vehicle owner and the insurer, under which the company covers the possible damage incurred in case of an unfortunate event. As per the Roads and Transport Authority (RTA), it is mandatory to cover car insurance for all vehicle owners. The car insurance policy in Dubai covers your vehicle not only in case of accidents but also against damage dealt by a natural calamity. However, the total insurance coverage will be given as per the policy and the company you select for your car insurance in Dubai.
Types of Car Insurance in Dubai
There are two basic types of car insurance policies offered in Dubai. You can select an insurance policy considering your requirements and risk capacity.
Comprehensive Car Insurance
As the name suggests, a comprehensive car insurance policy offers broader protection, which means the policy covers all damages in case of accident, theft or vandalism. Moreover, the comprehensive car insurance policy also covers third party liability along with car repair and replacement costs, depending on the company you choose.
This type of insurance policy also covers the damage caused by fire explosion, self-ignition, riots and other malicious acts, which is why the charges of the insurance policy are premium.
In case you lease or finance your car, the lender may require you to carry comprehensive coverage until the loan is paid off. However, if you own a vehicle, comprehensive insurance coverage is optional on your car insurance policy. Comprehensive insurance is also deductible. The deductible is the predetermined amount the customer pays at the time of non-recoverable claim due to an incident such as a car accident or natural disaster. Many insurance companies ask to pay the deductibles immediately to begin the claim process.
Third-Party Liability Car Insurance
According to the UAE RTA law, vehicle owners must have third-party liability car insurance. It is the basic form of auto insurance in Dubai since it protects against any liability caused to the third party such as bodily injuries or property damage.
Also, if your vehicle suffers damage because of your fault, then you won’t get any coverage for the repair work. The company is only liable to pay the third-party damage caused by your fault. Since the policy offers basic coverage, your premium will be lower as compared to comprehensive car insurance. It is important to note that vehicle owners with 7 years or old four-wheelers can only opt for a third-party liability car insurance policy.
How to Select the Best Car Insurance Plan in Dubai?
Following are some tips that can help you to determine which one is the best company for car insurance in Dubai.
- Analyse your needs: First of all, analyse your vehicle’s requirements and understand whether this plan fulfils your expectations or not.
- Check reputation and reliability of the company: Financial background and market reputation play a vital role when it comes to finding the best car insurance company in Dubai. A renowned company with a better market position will always try to ensure effective policies, timely claim settlements and customers’ convenience.
- Compare and contrast: Don’t forget to compare the prices of each company, get the quote and pick what suits your budget. You can always make a quick and well-informed decision by comparing online car insurance companies in Dubai.
- Evaluate the insurance coverage: Always check the coverage and other benefits offered by the insurance companies. Make sure whatever you choose is reliable and meets your expectations. Try to do maximum research to avoid regret in the future.
How to Estimate the Cost of Car Insurance in Dubai?
There are several factors that can affect the cost of car insurance in Dubai.
Generally, yearly comprehensive insurance would cost between 1.25% to 3% of the value of your car. Factors that affect the cost may include:
- Driver’s age
- How old the licence is
- Number of previous insurance claims
List of Top Car Insurance Companies in Dubai
Below you can check some of the top trending car insurance companies in Dubai.
Noor Takaful
The Car Takaful in Noor Takaful Ethical Insurance comes with a free CAFU fuel voucher worth AED 100 along with other benefits such as roadside assistance, agency repair, free car wash, no claims discount and driver & passenger cover.
- Location: Level 4, The Offices 1 at One Central | Dubai World Trade Centre
- Timings: Saturday – Thursday: 07:00 am to 07:00 pm | Friday closed
- Contact: 800-Takaful (825 2385) | WhatsApp: +971 50 651 8475
AXA Insurance
Axa Insurance is one of the best insurance companies in the UAE that offers car, home, life and health insurance plans. To get the insurance details you can visit a website and use the following contact information
- Location: Umm Al Sheif Building, Sheikh Zayed Road – Umm Al Sheif, Plot #514-0, Makani
- Timing: Sunday – Wednesday: 08:00 am to 08:00 pm | Saturday – Thursday: 08:00 am to 05:00 pm
- Contact: 800-AXA-292
Oman Insurance Company
Oman Insurance Company is considered as one of the oldest companies in the UAE, operational for the past 40 years. The company offers comprehensive insurance and third-party liability insurance.
- Location: Al Maktoum Building Number 24| Deira, Dubai
- Timings: Sunday – Thursday: 08:00 am to 05:00 pm | Friday closed
- Contact: +971 4 233 7777 | Toll free number: 8004746
RSA Insurance
RSA Insurance provides Motor Executive, Motor Smart and Motor Value insurance policies to cover the loss and damage of the vehicle. Here you can find the contact details of RSA Insurance:
- Location: Ground Floor, Burj Al Salam No 2, Sheikh Zayed Road – Trade Centre Area
- Timings: Sunday – Thursday: 09:00 am to 05: 30 pm | Saturday: 09: 00 am to 3:00 pm | Closed on Fridays
- Contact: 800-722-RSA | +971 4 302 9800
SALAMA Takaful Insurance
SALAMA Takaful has been providing its services since 1979. Motorists can easily avail comprehensive, third-party liability and vehicle export insurance from here. People who buy the car insurance policy online are eligible to get a 10% discount instantly.
- Location: 4th Floor, Block A, Spectrum Building| Oud Metha
- Timings: Sunday – Thursday: 09:00 am to 06:00 pm | Friday closed
- Contact: 800-SALAMA (800-725262)
Getting your car insured is one of the first things people do after buying a vehicle. However, if you haven’t bought a car yet, don’t forget to check out used cars for sale in Dubai. You can find a range of used cars at market competitive prices on dubizzle.
- Second-hand Toyota vehicles in Dubai
- Used Nissan cars for sale in Dubai
- Used Mercedes Benz vehicles in Dubai
- Second-hand BMW cars for sale in Dubai
FAQs
What are the things you require to get car insurance in Dubai?
Things that you require to get car insurance include vehicle details such as car model, manufacturing year and size. You also need a copy of the driving license, record of any previous car insurance claim along with the name and details of the other driver added in the policy. Some companies may also require the RTA Certificate of Transfer.
What documents will you need to renew the car insurance?
If you are planning to renew your car insurance from a different insurance company all you will need is a driving licence, Emirates ID, car registration details, passport copy and a copy of the UAE visa.
Which car insurance is mandatory in Dubai?
Under the law in Dubai, the Third Party Liability Insurance is the basic and the most minimum insurance cover required in the city. The insurance covers bodily injuries and property damage to the third party if done by the insured vehicle.
Can a 6-year old car get comprehensive insurance?
Comprehensive insurance is available only for vehicles that are older than 7 years. However, owners with 7 years or old four-wheelers can only opt for a third-party liability car insurance policy.
This concludes our guide about car insurance in Dubai. Now the ball is in your court, you will decide what policy you would like to buy after analysing all the parameters of the available insurance companies.
Stay tuned to the UAE’s leading auto blogs to find more information about car insurance policies, driving laws and car maintenance tips.
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