# Car Insurance UAE: Compare Quotes Online with Alfred > InsuranceMarket.ae compares car insurance from 40+ UAE insurers so drivers can get quotes in under a minute and buy online. It is a licensed broker (Central Bank of the UAE, Reg. No. 85), rated 4.8/5 from 30,000+ Google reviews and trusted by 200,000+ policyholders, with a dedicated advisor for every purchase and a dedicated claims manager afterwards. Canonical page: https://insurancemarket.ae/car-insurance/ Get a quote: https://insurancemarket.ae/car-insurance/get-quote/ Phone: 800 ALFRED (800-253-733) Last updated: September 2026 ## Key facts - Car insurance is mandatory in the UAE. Federal Law requires every driver to have at least Third Party car insurance. - Two main types: Third Party (the legal minimum) and Comprehensive (third party cover plus damage to your own vehicle). - InsuranceMarket.ae compares quotes from 40+ insurers and sends at least three quotes to compare. - Quotes take less than a minute online. - Payment options: credit card, bank transfer, cash, cheque. - Every policyholder gets free myAlfred premium membership: policy documents, renewal reminders, digital claims, and car rewards (40+ car-related offers, 150+ UAE brands overall). ## What is car insurance? Car insurance is an agreement between you and an insurer that provides financial protection against physical damage or bodily injury resulting from road accidents. It also covers other liabilities arising from road accidents, [natural disasters](https://insurancemarket.ae/car-insurance/navigating-car-insurance-claims-for-natural-disasters-in-the-uae/), fire and theft. It is mandatory in the UAE to hold valid car insurance for your vehicle. ### Third Party Car Insurance Covers your responsibility to pay other road users, their passengers and/or the general public for property damage (including their vehicle) and/or personal injury caused by your negligence while driving. This is the minimum cover required by law in the UAE. ### Comprehensive Car Insurance Protects your own vehicle against damage as well as covering third party liability. It is the most popular type of motor insurance in the UAE because it offers full protection in the event of an accident. Both types are widely available from all leading UAE motor insurers. InsuranceMarket.ae has access to a wide range of policies and helps customers choose the right one. ## Car insurance add-ons Comprehensive policies include only the most common risks as standard. Insurers offer optional upgrades, including: - **Agency repairs:** Repairs by a manufacturer-approved repairer using new, approved parts. Important for cars under five years old, to protect the manufacturer's warranty and resale value. - **Protected No Claims Bonus:** Keeps your claims-free discount even if you make a claim. - **Roadside assistance and breakdown recovery:** Help if your vehicle breaks down. See [roadside assistance cover](https://insurancemarket.ae/car-insurance/vehicle-breakdown-covered-in-car-insurance/). - **Loss of keys:** Vehicle recovery and a replacement set of keys. - **GCC cover:** Extends cover to other countries outside the UAE, such as Oman and the wider GCC. - **Personal accident benefit:** Compensation for bodily injury, disablement or death of the driver and passengers following a road traffic accident. - **Hire car benefit:** A replacement car while yours is off the road after an accident. ## What a typical comprehensive policy covers Damage and/or injury caused by: - Impact and accidental damage - Storm and flood - [Fire](https://insurancemarket.ae/car-insurance/does-car-insurance-cover-fire-damage-in-dubai/) - [Theft](https://insurancemarket.ae/car-insurance/does-vehicle-insurance-cover-theft-in-dubai/) - Lightning and explosion - [Vandalism and malicious damage](https://insurancemarket.ae/car-insurance/cover-losses-damage-caused-by-riots/) Policy terms and conditions must be met for a claim to be considered. ## What is not covered Typical exclusions include: - Damage caused while committing an illegal act, such as driving under the influence of alcohol or drugs. - Damage caused while instructing a learner driver. Learner drivers should only drive under a driving school's tuition and in its vehicle. - Damage to your own property while driving your vehicle, for example hitting your own villa wall. Damage to the car is covered under Comprehensive cover, but damage to the building needs a suitable Home Insurance policy. - Damage caused by driving through a flood. Some insurers only cover flood damage if the car was parked at the time. ## How to compare car insurance quotes InsuranceMarket.ae sends at least three quotes. When comparing: 1. Compare the cover in each quote against the others, like for like. 2. Compare the cover against your current policy. Are you getting the same, less or more? Consider added-value items such as optional extras and included services. 3. Check the price last, so you judge the benefits first and then assess value for money. ## Don't auto-renew If you bought motor insurance years ago, you may be missing cover you need and paying too much. 1. Let insurance companies compete for your business. 2. Don't auto-renew. Compare before you renew your motor insurance. 3. Review your cover and benefits, as priorities change. 4. Use your no-claims record to get a no-claims discount. ## How to get lower cost car insurance - Don't buy at the last minute. Leave time to compare cover against what is available. - Use an advisor. InsuranceMarket.ae's advisors search the market at no extra cost. - Don't focus on price alone. The wrong cover can cost more when you claim. ## How to buy in 3 steps 1. **Start your journey:** Fill out the online form at https://insurancemarket.ae/car-insurance/get-quote/ 2. **Check and compare options:** Review handpicked quotes tailored to your needs. 3. **Secure your policy:** Purchase and upload the required documents. A dedicated insurance advisor is available throughout for questions. ## Why buy car insurance through InsuranceMarket.ae - **Top-rated platform:** 4.8/5 from 30,000+ Google reviews. - **Dedicated insurance advisors:** Guidance through the whole purchase. - **Dedicated claims manager:** Advice and assistance when you claim. - **Competitive prices:** Products from trusted insurers at a price that suits your budget. - **30+ years of UAE insurance experience** and partnerships with 40+ insurers. - **myAlfred premium membership:** Car rewards such as service discounts and car washes, plus policy management in one app. ## Partner motor insurers GIG, Sukoon, Liva Insurance, Tokio Marine, Qatar Insurance (QIC), Dubai National Insurance, New India Assurance, Fidelity United, Orient Insurance, RAKNIC, Oriental, Takaful Emarat, Al Wathba, Alliance Insurance, Abu Dhabi National Takaful, Emirates Insurance, Zurich, AIG, Dubai Insurance, Union Insurance, Insurance House, Al Sagr Insurance, Noor Takaful, Salama, Watania Takaful, and more. See [top car insurance companies in Dubai and the UAE](https://insurancemarket.ae/car-insurance/top-10-car-insurance-companies-in-dubai-uae/). ## Common questions **Is car insurance mandatory in the UAE?** Yes. Federal Law requires all drivers to have at least Third Party car insurance. **What are the types of car insurance in Dubai?** Third Party (covers damage and injury you cause to others) and Comprehensive (also covers damage to your own vehicle). **How do I choose between Third Party and Comprehensive insurance?** Third Party meets the legal minimum. Comprehensive also protects your own car, which is why most drivers choose it, especially for newer or higher-value vehicles. **Can I customise my car insurance policy?** Yes. Add-ons include agency repair, protected no claims bonus, roadside assistance, loss of keys, GCC cover, personal accident benefit and hire car cover. **What does 'own damage' mean?** Damage to your own vehicle. It is covered under Comprehensive insurance but not under Third Party insurance. **Does car insurance cover flood damage?** Comprehensive policies typically cover storm and flood damage, but some insurers only cover flood damage if the car was parked during the flood. **How long does it take to get a quote?** Less than a minute online at https://insurancemarket.ae/car-insurance/get-quote/ For more answers, see the [full FAQ](https://insurancemarket.ae/faq/). ## Car insurance guides - [Does car insurance cover off-road and desert driving in the UAE?](https://insurancemarket.ae/car-insurance/does-car-insurance-cover-off-road-and-desert-driving-in-the-uae/) - [Car insurance reviews](https://insurancemarket.ae/car-insurance/reviews/) - [Car insurance Dubai](https://insurancemarket.ae/car-insurance-dubai/) - [Car insurance Sharjah](https://insurancemarket.ae/car-insurance-sharjah/) ## About InsuranceMarket.ae InsuranceMarket.ae is operated by AFIA Insurance Brokerage Services LLC (an Alfred Holdings company), licensed and regulated by the Central Bank of the UAE (Registration No. 85). Head office: 27th Floor, Control Tower, Motor City, Dubai. Branch: Al Dana, East 1, Abu Dhabi. Toll-free 800 ALFRED (800-253-733), askalfred@insurancemarket.ae.