Understand your car insurance and what it covers

Basic personal car insurance is mandatory in UAE and provides some financial protection in the event of an accident. But is that enough? What are the options? Learn how car insurance works and the types of coverage available. In This article you can learn about car insurance, Rules about car insurance Dubai, Sharjah, Abu Dhabi, Ajman all over UAE, Cheap Car Insurance , Best Car Insurance Company etc…

Auto insurance is a contract between you and an insurance company that protects you from financial loss in the event of an accident or theft. The insurance company agrees to pay your loss as stated in your policy in return for paying the premium.

Car insurance covers:

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Property:- such as car damage or theft

Liability:- Your legal liability to others for personal injury or property damage.

Medical care:- Injury treatment, rehabilitation costs, and sometimes lost wages and funeral costs.

Policies are typically published for 6 months or 1 year and can be updated. The insurance company will send you a notification when it is time to renew your insurance policy and pay the premium.

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Who is covered by my auto insurance—and under what circumstances?

Your car policy applies to your policy regardless of whether you and another family member are driving your car or someone else’s car (with your permission) ). If someone not listed in your policy drives your car with your permission, your policy will also provide compensation.

Personal car policies are only for personal driving, such as commuting, messages, and travel. It is not covered when using the car for business purposes, such as when delivering pizza.

Personal car insurance does not apply if you use your car to provide transportation to others through carpooling services. However, some car insurance companies offer (at an additional charge) additional insurance products that extend the coverage of vehicle owners who offer ride-sharing services.

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Top 10 Best Car Insurance Companies in Dubai

Owning a car is one of the most beloved and anticipated experiences for every individual in life. Whether it’s an expensive sports car, a luxury car, or a basic family-style car, owning your own car feels like no other. Therefore, it is not surprising that we all want to do everything with our strength to ensure your well-being and safety. That’s why it’s imperative to have a well-thought-out and well-studied car insurance policy from one of the best car insurance companies in Dubai, if possible.
Choosing the best one requires at least a working knowledge of all the major options in front of you. The same applies to UAE car insurance companies. Of course, there are several options to choose from. We have selected the top 10 so that you can choose the best option. Below is a complete layout of the UAE’s top car insurance providers and a brief introduction to the plans and benefits they offer.

Here are the list of Best car Insurance companies in Dubai and UAE

1. Oman Insurance

Oman Insurance Recognized as one of the most trusted car insurance companies in the United Arab Emirates, Oman Insurance is based in Dubai and operates in all emirates, including 15 Branches in each emirate, Oman and Qatar as well. Known for its extensive business portfolio with a variety of health, life and property insurance plans, Oman Insurance is one of the leading UAE car insurance companies. It offers a range of car insurance plans with special, comprehensive and third-party coverage.

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 –InsureMyTesla and High Net Worth Motor Cover

Windscreen Cover

AED 3,000

Emergency Medical Expenses

AED 5,000

Emergency Road-Side Assistance

Available 27x7x365 for all plan holders

Personal Injury

AED 30,000

Geographical Expansion

UAE and Oman (Qatar as well for High Net Worth Motor Covers)

Agency Repairs

Up to 3 years (comprehensive and third-party plans)

5 years and extendable (for InsureMyTesla and High Net Worth Motor Cover)

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

2. AXA Insurance

AXA Insurance, a French-based multinational company, has dominated the golf insurance market for over 68 years. AXA offers comprehensive and competitive car insurance coverage with up to 15 years of coverage. What sets this insurer apart from other insurers in the Emirate is its well-thought-out design, many internal options, and a variety of value-added services in additional forms. With a variety of comprehensive car insurance plans and mandatory third party insurance, AXA is one of the UAE’s leading car insurance companies.

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)

Emergency Road-Side Assistance

Available 27x7x365 for all plan holders

Personal Injury

AED 20,000 (Prestige and Perfect)

Geographical Expansion

UAE (Oman as well for Prestige and Perfect)

Agency Repairs

Up to 5 years (optional) for AXA Perfect Plans

5 years (included) for AXA Prestige Plan

Personal Accident Cover (driver/passenger)

AED 200,000 (optional add-on)

Add-Ons

GCC Cover (AXA Prestige and Perfect)

Personal Accident Benefits Cover – Driver (all plans)

Personal Accident Benefit Cover – Passenger (all plans)


Accident and Breakdown Recovery

24x7 – all plans

3.Al Sagr Insurance

Founded in 1979, Al Sagr has been at the top of its class as an insurance and reinsurance company ever since. The company was founded as a multinational company based in Dubai. Al Sagr is a publicly-traded company and one of the leading car insurance companies in the United Arab Emirates, offering comprehensive, third-party plans with a variety of benefits.

Available Options

Comprehensive Car Insurance

Third-Party Liability Insurance

Third-Party Car Damage Cover

AED 2 Million

Emergency Road-Side Assistance

Available 27x7x365 for all plan holders

Personal Injury

AED 20,000

Geographical Expansion

UAE (Oman as well for Prestige and Perfect)

Agency Repairs

Up to 3 years

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

Accident and Breakdown Recovery

24x7 – all plans

4. Al Fujairah National Insurance Company (AFNIC)

AFNIC, the only UAE-based insurance company based in the Emirates of Fujairah, has nearly 80% of its stake in the government. Founded in 1976, the company works with Sharjah in Dubai, Abu Dhabi and Diva. AFNIC is also one of the few car insurance companies that allow customers to purchase insurance products at insurance ATMs nationwide.

Available Options

Comprehensive Car Insurance

Third-Party Liability Car Insurance

Third-Party Car Damage Cover

Included

Emergency Medical Expenses

covered

Emergency Road-Side Assistance

Available 27x7x365 for all plan holders

Driver and Passenger Covers

Up to AED 200,000

Geographical Expansion

UAE + Oman extension (with Orange card only)

Agency Repairs

Included

Windscreen Damage Repairs

Covered for Personal Cars only

Off-Road Cover

Not Covered

Add-Ons

Personal Accident Covers

5. Noor Takaful Insurance

A fairly new addition to the list of top car insurance companies in the United Arab Emirates, Noor Takaful, the first company to comply with Law 6 (Federal), is an example of Sharia’s as well as Sharia’s compliant Takaful car insurance plan, not only in the United Arab Emirates, but throughout the Middle East. Combining the modern needs of its clients with the traditional and comfortable values of Sharia law, Noor Takaful Insurance Company offers an ideal car insurance plan that is a proud blend of modernity and tradition.

Available Options

Comprehensive Car Insurance

Third-Party Liability Car Insurance

Third-Party Car Damage Cover

AED 2 million

Emergency Medical Expenses

AED 4,000

Emergency Road-Side Assistance

Available 27x7x365 for all plan holders

Personal Belongings  

AED 4,000

Geographical Expansion

UAE

Agency Repairs

3 years (for comprehensive plans)

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)


Accident and Breakdown Recovery

24x7 – all plans

6. Adamjee Insurance

Adamjee Insurance is one of the main names that come to mind when talking about UAE’s top car insurance companies. Adamjee worked with the Ministry of Economy and was founded in 1960 as a public enterprise registered on the Pakistan Stock Exchange. With a diverse business portfolio, Adamjee is known in the UAE for offering a comprehensive and comprehensive car insurance plan.

Available Options

Comprehensive Car Insurance

Third-Party Car Damage Cover

Covered

Emergency Road-Side Assistance

Available 27x7x365

Geographical Expansion

UAE and Yas Marina Circuits (conditions apply)

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

7. Tokio Marine Insurance

Tokio Marine is Japan’s largest non-life insurance company, originally founded in Japan in 1879, but has played an equally important role in the UAE insurance market since 1976. In addition to the United Arab Emirates, Tokio Marine serves customers in 44 countries around the world and is known as one of the best car insurance companies in the world. Tokio Marine today offers a wide range of comprehensive car insurance plans and third-party insurance plans for United Arab Emirates customers.

Available Options

Comprehensive Car Insurance

1.Tokio Must

2.Tokio Smart Plus

3.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)

Emergency Road-Side Assistance

Available 27x7x365 for all plan holders

Personal Injury

AED 10,000 (Tokio Must)

AED 15,000 (Tokio Smart Plus)

AED 25,000 (Tokio Million Privilege)

Personal Belongings 

AED 2,500 (Tokio Must)

AED 3,500 (Tokio Smart Plus)

AED 5,000 (Tokio Million Privilege)

Geographical Expansion

UAE and Oman Cover for personal damage

Agency Repairs

5 years (Tokio Million Privilege)

3 years (Tokio Smart Plus)

Off-Road Cover

Covered for comprehensive

Add-Ons

Off-road vehicle cover (include in (Tokio Million Privilege)

Personal Accident Cover - driver and passengers (third party)

Accident and Breakdown Recovery

24x7 – all plans

8. Abu Dhabi National Takaful Company

The goal of Abu Dhabi National Takaful Company is to provide an ideal and customized Takaful insurance solution for the regional insurance markets of Dubai and the United Arab Emirates. Abu Dhabi National Takaful Company was founded in 2003 and is based in Abu Dhabi. It is also registered as the first Takaful insurance company in the United Arab Emirates and is considered one of the best car insurance companies in the country.

Available Options

Comprehensive Car Insurance

Third-Party Car Damage Cover

Included

Emergency Medical Expenses

Covered

Emergency Road-Side Assistance

Available 27x7x365 for all plan holders

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

Agency Repairs

Up to 3 years

Off-Road Cover

Covered for 4x4 cars

Geographical Coverage

UAE + Oman extension

Additional Free Services

Flat tire, battery boosting, look-out service, towing, Rent-A-Car (24 hours), and mechanical breakdowns.

9. Salama Takaful Insurance

Salama is the oldest Takaful insurance company in the United Arab Emirates, offering a wide range of Sharia-compliant insurance products. Founded in 1979, Salama has been an illustrious star in the Takaful insurance industry from the beginning. We offer our clients an amazing and comprehensive car insurance plan with a variety of fringe benefits and fringe benefits, making us one of the best car insurance companies.

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

Emergency Road-Side Assistance

Available 27x7x365

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

Geographical Expansion

UAE and Oman

Off-Road Cover

For SUVs (as per the Insured Value)

Add-Ons

Agency Repairs

Rent-a-Car (10 days)


10. RSA Insurance

With over 60 years of experience serving clients in the United Arab Emirates, RSA insurance occupies most of the insurance sector in the United Arab Emirates. The original roots of the company were founded about 300 years ago. RSA, a highly reputed car insurance company in the country, has been operating in the UAE since 1956, offering a variety of car insurance plans and a comprehensive list of benefits, as described below. increase.

Available Options

Comprehensive Car Insurance

1.Motor Executive

2.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

Emergency Medical Expenses

AED 6,000 (Motor Executive)

AED 3,500 (Motor Smart)

Emergency Road-Side Assistance

Available 27x7x365

Windscreen Cover

Included

Personal Injury

AED 20,000

Agency repair

Included

Personal Accident Cover (driver/passenger)

AED 200,000 (separately for the driver and each passenger)

Geographical Expansion

UAE and Oman

Add-Ons

All Plans:

Rent-a-Car Benefit

GCC Cover

Only Motor Smart:

Personal Accident Cover

Agency Repairs

Breakdown Recovery