{"id":6661,"date":"2021-05-11T12:15:00","date_gmt":"2021-05-11T12:15:00","guid":{"rendered":"https:\/\/www.dubizzle.com\/blog\/cars\/?p=6661"},"modified":"2025-11-20T07:13:14","modified_gmt":"2025-11-20T07:13:14","slug":"dubai-car-insurance","status":"publish","type":"post","link":"https:\/\/www.dubizzle.com\/blog\/cars\/dubai-car-insurance\/","title":{"rendered":"A Guide to Car Insurance in Dubai"},"content":{"rendered":"\n

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.<\/p>\n\n\n\n

Types of Car Insurance in Dubai<\/h2>\n\n\n\n
\"car
It is mandatory to get your vehicle insured in Dubai<\/figcaption><\/figure>\n\n\n\n

There are two basic types of car insurance policies offered in Dubai. You can select an insurance policy considering your requirements and risk capacity. <\/p>\n\n\n\n

Comprehensive Car Insurance <\/h3>\n\n\n\n

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.<\/p>\n\n\n\n

This type of insurance policy also covers the damage caused by fire explosions, self-ignition, riots and other malicious acts, which is why the charges of the insurance policy are premium. Owners are also provided insurance add-on options like gap auto insurance<\/a> to increase the coverage. <\/p>\n\n\n\n

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. <\/p>\n\n\n\n

The deductible is the predetermined amount the customer pays at the time of a 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.<\/p>\n\n\n\n

Third-Party Liability Car Insurance<\/h3>\n\n\n\n

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.<\/p>\n\n\n\n

Also, if your vehicle suffers damage because of your fault, then you won\u2019t 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.<\/p>\n\n\n\n

How to Select the Best Car Insurance Plan in Dubai?<\/h2>\n\n\n\n
\"Vehicle
Before you select, analyse all the companies by comparing their coverage plans <\/figcaption><\/figure>\n\n\n\n

Following are some tips that can help you to determine which one is the best company for car insurance in Dubai.<\/p>\n\n\n\n