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Secure the best car insurance in Sharjah with InsuranceMarket.ae
Whether commuting to work, running errands, or enjoying a weekend drive around Sharjah, having car insurance is essential—not just for legal compliance but for your peace of mind.
At InsuranceMarket.ae, we simplify your search for the best car insurance in Sharjah with personalised plans, competitive pricing, and seamless online support.
Highest rated insurance platform
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Trusted by
200,000+ policyholders
We have over 25+ years
of UAE Insurance experience
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40 Insurance companies
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Understanding Car Insurance in Sharjah
Why Car Insurance is Mandatory in Sharjah
Under UAE Federal Law No. 21 of 1995, all vehicles must have valid insurance to operate legally. Failure to comply can result in:
- Fines ranging from AED 1,000 to AED 5,000
- Vehicle impoundment for 7-30 days
- Up to 12 black points on your driving license
Having the right car insurance in Abu Dhabi and Sharjah protects you financially and ensures you meet the Sharjah Roads & Transport Authority (SRTA) requirements.
Pro Tip: Always renew your insurance before expiry to avoid penalties and registration delays.
Sharjah’s Unique Driving Environment
Sharjah presents specific driving challenges that make choosing the right insurance crucial:
- Traffic Congestion: Areas like King Faisal Street and Al Wahda Road see frequent traffic jams and minor collisions.
- High-Risk Zones: Roundabouts and intersections near Al Majaz and Rollah Square have higher accident rates.
- Weather Hazards: Sudden sandstorms and heavy rains can reduce visibility, leading to accidents.
- Tight Parking Spaces: Common in densely populated areas, increasing the risk of scratches and dents.
Having comprehensive coverage ensures you're protected from these common risks.
Drive worry-free with the right insurance tailored to Sharjah’s conditions! and signage.
Types of Car Insurance Available in Sharjah
Third-Party Liability Insurance
✔ Mandatory coverage that protects against damages you cause to other vehicles and property.
✔ Third party car insurance in Sharjah covers bodily injuries to third parties but does not protect your vehicle.
✔ Ideal for older cars or budget-conscious drivers seeking basic legal compliance.
Comprehensive Car Insurance
✔ Covers both your vehicle and third-party liabilities.
✔ Protects against:
- Accidents and collisions
- Fire and theft incidents
- Weather-related damages like sandstorms and flooding
✔ Recommended for new or high-value cars frequently driven in Sharjah.
Popular Add-Ons in Sharjah
Enhance your policy with optional coverage tailored to local conditions:
- Roadside Assistance: Essential for Sharjah’s congested roads.
- GCC-Wide Coverage: Ideal for cross-border trips to neighbouring Gulf countries.
- Off-Road Coverage: Perfect for desert enthusiasts exploring surrounding dunes.
- Personal Accident Cover: Protects you and your passengers in case of accidents.
Factors Influencing Car Insurance Premiums in Sharjah
High-Traffic Zones
Living or working near high-traffic areas like Al Nahda or Industrial Areas increases the risk of accidents, affecting your premium.
Common Driving Offenses in Sharjah
Reckless driving, speeding, and ignoring traffic signals are frequent offences that raise insurance costs. Safe drivers with clean records often enjoy No Claims Discounts (NCD) of up to 20%.
Vehicle Types
✔ Luxury SUVs and sports cars attract higher premiums due to costly repairs.
✔ Compact cars and economy models usually benefit from more affordable rates.
Pro Tip: Choose a car that’s cost-effective to insure, especially if you drive daily.
How to Choose the Right Car Insurance in Sharjah
Evaluate Local Insurance Providers
✔ Opt for insurers with a strong presence in Sharjah for faster claims processing and better local support.
✔ InsuranceMarket.ae partners with top providers like AXA (GIG Gulf), RSA, Sukoon, and Tokio Marine.
Compare Sharjah-Specific Coverage Options
Not all policies cater to Sharjah’s unique conditions. Look for coverage that includes:
- Protection against parking lot mishaps
- Coverage for accidents during peak hours
- Weather-related damages like flooding or sandstorms
Tips for Finding Cost-Effective Insurance
✔ Safe Driver Discounts: Maintain a clean driving record for lower premiums.
✔ Bundle Policies: Save more when you combine car insurance with home or health coverage.
✔ Utilize No-Claims Bonuses: Reward yourself with cheaper rates after claim-free years.
Why Choose InsuranceMarket.ae for Car Insurance in Sharjah?
Trusted by Over 200,000 Customers
Join thousands of satisfied clients who rely on us for transparent, affordable coverage.
Extensive Local Expertise
✔ 25+ years of UAE market experience.
✔ Partnerships with 40+ top insurers to offer you diverse choices.
Fast & Hassle-Free Process
✔ Instant quotes tailored to your needs.
✔ Dedicated advisors to guide you at every step.
✔ Access exclusive deals through the myAlfred platform for added perks.
Trusted by Over 200,000 Customers
Join thousands of satisfied clients who rely on us for transparent, affordable coverage.
Extensive Local Expertise
✔ 25+ years of UAE market experience.
✔ Partnerships with 40+ top insurers to offer you diverse choices.
Fast & Hassle-Free Process
✔ Instant quotes tailored to your needs.
✔ Dedicated advisors to guide you at every step.
✔ Access exclusive deals through the myAlfred platform for added perks.
Get car insurance in Sharjah in 3 easy steps!
1
Start your journey
Begin by swiftly filling out our user-friendly form.
2
Check and compare options
Browse through a selection of handpicked options for the best fit, tailored to your needs
*
Get expert help
Reach out to your dedicated insurance advisor for assistance or queries.
3
Quick purchase
Secure your policy by purchasing and uploading the necessary documents.
1
Start your journey
Begin by swiftly filling out our user-friendly form.
Get exclusive premium membership access to myAlfred!
What does myAlfred offer?
As an InsuranceMarket.ae policyholder, you enjoy complimentary myAlfred premium membership. This unlocks deals from over 100+ well-known brands in the UAE. Dive into benefits and deals available from car care to personal grooming, from music lessons to shopping online or in store, from planning trips to experiencing adventures and excursions. myAlfred has got you covered every step of the way!
Payment options for car insurance in the UAE
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What our customers say about us
4.8/5
23,000+ Reviews
Alisha Perri
a week ago
been using them for 4 years. Great service. Very quick with providing information.
Денис Карасев
a week ago
This is a great company to deal with! Team is very friendly. Very organized and polite. Very patient. I visited their office few times and each visit I spent few hours with them asking 100s questions and I got answer on each of them. I recommend this company to everyone! My special thanks should be directed to Ms. Kristelle Santillan, who is a very professional manager that explained to me everything in detailed. She helped me to choose the best insurance package that suits exactly to my family needs! Amazing work! Amazing team!
Natalia Aleksandrova
a month ago
I was assisted by Gloria. She is a very helpful and friendly professional. She clearly explained the process and answered all my questions. I didn't have to wait for ages for email replies comparable with other providers. Very happy that we chose Insurance Market for our company. Highly recommended!
Mohamed El Hady
6 days ago
I would like to thank Charles from claim departments for all his support during follow up on my car accident! He was cooperative responsive and professional in all communication. We was following up closely with the insurance company to finish my claim in short time.
Artur Begel
a day ago
Had some major repairs for my vehicle and Mr. Rabishankar did wonderful job in expediting the process from claim approvals to garage works. Was able to get my car on time as promised.
Adhithyan Sudhaghar
3 weeks ago
I had the pleasure to use the servicefrom insurance market with an exceptional insurance agent Gloria Hurboda, who displayed the utmost professionalism, punctuality, and courtesy throughout our interactions. From the very beginning, they exhibited an impressive level of knowledge and expertise in the insurance industry, providing me with comprehensive information and guiding me towards the most suitable coverage options for my needs.Not only was the agent highly professional, but they also demonstrated an exceptional level of punctuality. They promptly responded to all my inquiries, whether it was through email or phone calls, ensuring that my questions were addressed in a timely manner. Their efficiency and responsiveness made the entire insurance process smooth and hassle-free.Moreover, the agent's courteous demeanor and excellent communication skills truly set them apart. They actively listened to my concerns, patiently explained policy details, and went the extra mile to ensure that I fully understood all the terms and conditions. It was evident that they genuinely cared about my satisfaction and took the time to build a strong client-agent relationship.Thanks to their professionalism, punctuality, and courtesy, I felt confident and secure in my insurance choices. I highly recommend this agent to anyone seeking a reliable and trustworthy professional who can provide top-notch service. Their dedication to their clients is truly commendable, and I am grateful to have had the opportunity to work with them.
Car insurance guides
Car insurance: Frequently asked questions
1. How much does car insurance cost in Sharjah?
2. Is third-party insurance enough for Sharjah drivers?
3. How quickly can I get insured?
4. Is car insurance mandatory in Sharjah?
5. What documents do I need to get car insurance in Sharjah?
6. What’s the difference between third-party and comprehensive car insurance?
7. Can I transfer my existing car insurance to a new owner in Sharjah?
8. Are off-road accidents covered under car insurance in Sharjah?
9. Do insurance companies in Sharjah offer roadside assistance?
10. Can I customize my car insurance policy?
11. Can I get car insurance for a vehicle registered outside Sharjah?
12. Does car insurance in Sharjah cover natural disasters like floods or sandstorms?
13. What happens if I drive without car insurance in Sharjah?
14. Are agency repairs included in Sharjah car insurance?
15. Can I insure a leased or financed car in Sharjah?
16. Is my No Claims Discount (NCD) valid in Sharjah?
17. Can I renew my Sharjah car insurance online?
