Car insurance companies in Dubai

The UAE law makes it compulsory for car owners to have valid car insurance in Dubai. There are multiple car insurance companies in Dubai and the rest of the UAE providing vehicle insurance against a number of accidental damage and dangerous road hazards. The coverage you receive depends on the policy you purchase and the company you choose for car insurance in Dubai. 

Best Car Insurance Companies in Dubai

Before you go out looking for the best car insurance in Dubai, make sure you obtain a Dubai driving licence, have a valid residence visa and proper vehicle registration documents. Once you have all that, you can move on to explore the top car insurance companies in Dubai. Here’s a list of the best car insurance providers in Dubai.

AXA Insurance

When you talk about good car insurance companies in Dubai, it’s impossible to skip AXA. Arguably one of the largest insurance providers in the UAE and the world, AXA’s car insurance policies come with an additional off-road cover, 24/7 roadside assistance and RTA inspections among other benefits. The company gains a competitive advantage over other car insurance providers in Dubai with its hassle-free claim filing and tracking procedure. You can also avail up to 10% discount when you buy AXA car insurance online. 

• Location: Umm Al Sheif Building, Sheikh Zayed Road – Umm Al Sheif
• Timings: 09:00 am to 08:00 pm | Saturday 09:00 am to 05:00 pm | Closed on Fridays
• Contact: 800-AXA-292

RSA Insurance

With more than 60 years of operation in the UAE, RSA Insurance has keen insights and knowledge of the industry that reflects in their insurance products.  The RSA’s car insurance in Dubai has been designed to give policyholders the peace of mind they need to be out on the roads with insurance coverage. The company offers three different car insurance deals in Dubai, starting from basic third-party liability insurance and going all the way up to fully comprehensive insurance. The best part about RSA car insurance Dubai is that your car is covered against damages even when you’re driving in Oman.

• Location: Ground Floor, Burj Al Salam, Sheikh Zayed Road – Trade Centre Area
• Timings: 08:00 am to 05:00 pm | Closed on Fridays
• Contact: 800-722-RSA

Noor Takaful

Promising quick and efficient claim recovery in case of accidents and mishaps on the road, Noor Takaful has gained popularity among vehicle insurance companies in Dubai. Their car takaful solutions provide third party property damage coverage of up to AED 2M. The comprehensive coverage, in addition, covers windscreen damage, emergency medical expenses and even provides new car replacement when needed. 

• Location: Exit 43 at Noor Bank Metro Station, Sheikh Zayed Road – Al Quoz
• Timings: 08:00 am to 05:00 pm | Closed on Fridays
• Contact: +971-50-803-7147 

Adamjee Insurance

This Pakistan-based insurance provider is one of the longest standing insurance companies in the UAE, providing an extensive range of insurance products in Dubai. Their motor insurance policies in Dubai are aimed at extending maximum coverage against theft, accidental damages and third-party liability. Besides the basic comprehensive and third-party liability coverage, these policies also offer an array of hassle-free and innovative insurance-related services.

• Location: 3rd floor, One by Omniyat – Business Bay
• Timings: 08:00 am to 01:00 pm and 02:00 pm to 05:00 pm 
• Contact: +971-4-275-2337

Oman Insurance Company

Next on our list of insurance companies in Dubai is the Oman Insurance Company that offers both third-party liability and comprehensive covers for your vehicle. Their comprehensive car insurance in Dubai also extends to the Sultanate of Oman for all private vehicles registered in the UAE. In addition to their head office in Deira, the company also has a branch in Bur Dubai and one on Sheikh Zayed Road. All car insurance policyholders of Oman Insurance can access the company’s RTA services, including vehicle registration.

• Location: Al Maktoum Building 24, Al Maktoum Street – Deira
• Timings: 08:00 am to 05:00 pm | Closed on weekends
• Contact: +971-4-233-7777 | Toll free 800-4746

Dubai National Insurance

Dubai National Insurance provides car insurance in Dubai with a 13-month validity. Their third-party liability coverage has an upper limit of AED 2M with unlimited coverage for bodily injuries. Both their policy types extend own damage coverage to Oman. The free benefits attached to the policies include ambulance cover, off-road cover for 4WDs, roadside assistance and more. With Dubai National Insurance you can also get car insurance online in less than 10 minutes. 

• Location: Dubai National Insurance Building, Port Saeed – Deira
• Timings: 08:00 am to 04:30 pm | Closed on weekends
• Contact: +971-4-295-6700 

Alliance Insurance

Alliance, like most other car insurance companies in Dubai, has a detailed list of insurance products up for offer. Their motor policy extends to private and corporate vehicles registered in Dubai and the rest of the UAE. The basic panel of Alliance car insurance in Dubai includes mandatory third-party liability coverage and the full comprehensive coverage. Besides that, the company takes pride in its professional, reliable and quick delivery of car insurance claims in Dubai. 

• Location: 2nd and 3rd floor, Warba Centre  – Deira
• Timings: 08:30 am to 05:00 pm | Closed on weekends
• Contact: +971-4-605-1111 

Emirates Insurance

The best thing about getting car insurance in Dubai from Emirates Insurance is that you can include policy add-ons as per your convenience. They further enhance the basic two motor insurance policy types with value-added services. The prices of these policies vary according to the services added to them as per your requirements. Optional benefits that you can choose from include Oman cover, loss of personal items, off-road cover, roadside assistance and more. 

• Location: Bayswater Building, Marasi Dr – Business Bay
• Timings: 08:00 am to 04:00 pm | Closed on weekends
• Contact: +971-4-453-4867 

Frequently Asked Questions for Car Insurance in Dubai

Is car insurance in Dubai mandatory?

The RTA makes it mandatory for all car owners in Dubai to buy car insurance for their vehicles. As per the basic requirement of law, your car insurance should cover third party damages including death, injury and damage to property. 

What is Third-Party Liability Coverage?

Mandatory by law, the third-party liability coverage is the minimum insurance cover required in Dubai. Like mentioned above, this policy covers all damages caused to the third party in the aftermath of a road accident. It does not cover any damages to the policyholder and their vehicle.

What is a Comprehensive Insurance Coverage?

A comprehensive car insurance policy in Dubai will protect all entities involved in a car accident/incident on the road. These policies are generally costlier than third-party liability coverage and cover incidents of:

• Theft
• Vandalism
• Fire 
• Explosions 
• Overturning
• Repairs

What Factors Affect the Car Insurance Premium Amount?

There are several factors that influence the amount of car insurance premium you pay in Dubai. These factors may include, but aren’t limited to:

• The vehicle type
• The vehicle value
• The policy buyer’s collective driving experience
• The buyer’s history of claims 
• The driver’s location
• The driver’s age

While all motor insurance companies in Dubai have different parameters to determine the amount of insurance premium, the basic more or less remain the same. 

The validity of your car insurance lasts a year, after which you need to renew the policy. Policy renewal may result in higher premium given the condition of your car, so make sure you get your car serviced regularly to land cheap car insurance in Dubai. There are a bunch of car servicing companies in Dubai to help you with that.

If you’re looking at financing options to buy a car, take a look at this detailed guide on how to obtain a car loan in Dubai. Until you buy your own vehicle, ride-sharing services in Dubai should have you covered.

For more useful information about life in Dubai, stay tuned to MyBayut.