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Compare Car Insurance From Leading UAE Insurers

Car insurance is compulsory in the UAE, where federal law requires at least third-party coverage. Third-party insurance covers damage you cause to others, while comprehensive insurance also provides coverage for your own vehicle, subject to policy terms. On InsuranceMarket.ae, you can compare quotes from top insurers side by side and purchase a policy online in minutes.

Updated on 29th October 2026

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We have over 30 years
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Buy Car Insurance In 3 Simple Steps

We make the buying journey feel simple before getting into the detail.

InsuranceMarket.aeTell Us About Your Car

Step 1

Tell Us About Your Car

Share your vehicle and driver details. It only takes a couple of minutes.

InsuranceMarket.aeCompare Your Options

Step 2

Compare Your Options

Review available car insurance plans side by side: price, cover, excess and repair options.

InsuranceMarket.aeChoose, Pay & Get Covered

Step 3

Choose, Pay & Get Covered

Select your preferred policy, complete payment, upload documents and you're covered.

Car Insurance Coverage Plans

The biggest decision most drivers face. Here's what each type of car insurance cover typically includes, so you can choose with confidence. Prices start from 630/year for third-party insurance and 1,300/year for comprehensive coverage, including VAT.

Benefits / FeaturesThird Party Car InsuranceEssential legal protectionPolicies fromAED630/Year
Damage or injury caused to othersIncluded
Damage to your own carNot included
Fire & theft Plan dependent
Natural perils (flood, storm)Not included
Agency repairNot included
Personal accident cover Optional
Roadside assistance Optional
GCC / Oman extension Optional
Hire Car Benefit Plan dependent
Classic Car Cover Third Party Liability Only
Best suited for Meeting the legal minimum
Benefits / FeaturesComprehensive Car InsuranceWider vehicle protectionPolicies fromAED1,300/YearInsuranceMarket.aeMost chosen
Damage or injury caused to othersIncluded
Damage to your own carIncluded
Fire & theft Subject to policy
Natural perils (flood, storm) Usually available
Agency repair On eligible plans
Personal accident cover Plan dependent
Roadside assistance Often available
GCC / Oman extension Optional
Hire Car Benefit 7-10 days (Plan Dependent)
Classic Car CoverNot included
Best suited for Protecting the car itself
Benefits / FeaturesLuxury Car InsuranceTailored protection for luxury, performance & collection carsPolicies fromAlfred Private Client's TeamInsuranceMarket.aePremium cover
Damage or injury caused to othersIncluded
Damage to your own carIncluded (with higher coverage limits)
Fire & theftIncluded (enhanced limits)
Natural perils (flood, storm)Included (typically included, subject to terms)
Agency repair Lifetime / extended agency repairs
Personal accident cover Enhanced options for driver & passengers
Roadside assistance Premium roadside & concierge-style assistance
GCC / Oman extension Standard GCC extension
Hire Car Benefit Luxury courtesy car (Up to DHS 10,000)
Classic Car CoverIncluded
Best suited for High-value cars, sports cars, classics and multi-car collections
Alfred driving a convertible

Important Note

Exact limits may vary by insurer and policy. Wherever it differs between insurers, we highlight "varies by insurer and policy" rather than a fixed figure.

What Affects Your Car Insurance Premium?

Rather than promising a generic price, here's what actually determines your premium. The quickest way to know your real number is to compare personalised quotes.

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Car make & model

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Vehicle age & value

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Driver's age & experience

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Claims history

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Type of cover

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Agency vs non-agency repair

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Excess / deductible

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Insurer underwriting criteria

Understand What Your Dubai Car Insurance Policy Can Cover

A clear, scannable view of what car insurance cover typically includes and the common exclusions to watch for.

Common Inclusions

  • Accidental damage to your vehicle
  • Third-party liability
  • Fire and theft
  • Natural perils subject to policy terms
  • Personal accident benefits
  • Roadside assistance depending on plan

Common Exclusions

  • Driving without a valid licence
  • Driving under the influence
  • Undeclared vehicle modifications
  • Certain off-road use
  • Mechanical wear and tear
  • Claims outside policy terms
Alfred holding car keys

Expert Tip!

Coverage, exclusions and limits may vary by insurer. Always review the full policy wording before you purchase.

Car Insurance and Vehicle Registration Rules in the UAE

Valid car insurance is required before a vehicle can be registered or its registration renewed in the UAE. In Dubai, the RTA requires valid insurance linked to your vehicle before renewing your registration (Mulkiya). Other emirates follow the same requirement through their respective traffic authorities. Dubai vehicle registration is generally valid for one year, with a 30-day grace period after expiry, subject to applicable requirements. Your insurance must remain valid throughout this period. Driving without valid insurance may result in penalties, including a fine of 500, four black points, and possible vehicle impoundment.

Alfred waving from a convertible on a desert road

Choose Your Car Insurance Add-Ons

Build cover around how you actually drive. Availability varies by insurer, not every insurer offers every benefit.

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InsuranceMarket.ae

Repair & Vehicle

  • Agency repair – Get your car repaired at the official dealer's workshop.
  • Windscreen cover – Covers the cost to repair or replace a damaged windscreen.
  • Replacement keys – Pays for new keys if yours are lost, stolen, or damaged.
  • Natural perils – Protects your car against floods, storms, and other natural events.
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InsuranceMarket.ae

Driver & Passenger

  • Personal accident – Lump-sum payout if the driver is injured or dies in an accident.
  • Personal accident – Lump-sum payout if passengers are injured or die in an accident.
  • Emergency medical expenses – Covers urgent medical treatment after an accident.
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InsuranceMarket.ae

Mobility

  • Roadside assistance – Help at the roadside if your car breaks down.
  • Breakdown recovery – Tows your car to a garage or safe place after a breakdown.
  • Rent-a-car / replacement – Provides a temporary car while yours is being repaired.
InsuranceMarket.ae
InsuranceMarket.ae

Travel & Extensions

  • Oman / GCC extension – Extends your cover when you drive in Oman or the GCC.
  • Off-road cover – Protects your car while driving off-road where allowed.
  • No-Claim discount protection – Keeps your no-claim bonus even after certain claims.
  • War cover where offered – Adds protection for damage caused by war-related events (if available).

Compare Leading UAE Insurers

A comparison platform should visibly show what you can compare. Here's a selection of the insurers on our panel.

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Had An Accident? Here's What Happens.

Insurance is one thing you hope you never use. If you do, here's the journey step by step.

1

Make Sure Everyone Is Safe

Check on passengers and others involved before anything else.

2

Report To The Relevant Authority

Notify the police or the appropriate authority for the emirate.

3

Obtain The Police / Accident Report

This report is required for the claim to proceed.

4

Call 800ALFRED To Notify Us

Let us know so we can help you get the claim moving.

5

Submit Your Required Documents

Email your documents to claims@insurancemarket.ae to help assess the claim.

6

Vehicle Assessment & Repair Approval

The insurer assesses the damage and approves the repair.

7

Repair Or Settlement

Your vehicle is repaired, or the claim is settled per the policy.

Get Car Insurance Quotes In Less Than A Minute

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Claims Commitment At InsuranceMarket.ae

When something goes wrong on the road, the last thing you need is more stress, so we're here to make the claims process as simple and straightforward as possible, supporting you every step of the way.

Alfred on a support call

24/7 Claims Support

Accidents can happen at any time, which is why our claims support is available 24/7. Whether you need help reporting an accident or simply want to understand what happens next, we're here to help.

Alfred with the claims team

Dedicated Claims Personnel

You'll have a specialist to guide you through the process, answer your questions, and liaise with insurers on your behalf.

Alfred giving a thumbs up

A Clear And Simple Process

We'll help you understand what you need to do, which documents you'll need, and how long each stage is likely to take.

Alfred with approved documents

Help With Paperwork And Approvals

From submitting forms to following up on approvals, we'll be there to help make the process easier and keep things moving.

Alfred beside a car under repair

Support With Garages And Repairs

We can guide you on approved workshops, agency and non-agency repair options, and provide repair updates where available.

Alfred with claim status updates

Regular Updates Until Your Claim Is Closed

We'll keep you updated throughout the process, so you always know what's happening and never have to wonder about the next step.

Alfred holding car keys

Did you Know?

Our dedicated claims team has successfully handled thousands of customer claims, providing guidance and support to make the claims process simpler and smoother.

Compare Car Insurance Coverage With Confidence

Comparison and speed, backed by advisors and claims support that a purely digital comparator would find hard to replicate.

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Compare Quotes Online

Compare car insurance quotes from multiple insurers online at InsuranceMarket.ae and find cover that suits your needs.

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Talk To An Expert

Need help understanding your options? Speak to one of our insurance experts by calling 800ALFRED.

InsuranceMarket.aeSupport Beyond Purchase

Support Beyond Purchase

Need help with a claim? Our team is here to support you. Email us at claims@insurancemarket.ae for assistance.

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Alfred holding car keys

Easy & Convenient Payment Options

Enjoy a hassle-free experience with convenient and flexible payment options that suit your needs.

  • Credit card
  • tabby
  • Bank transfer

Get Car Insurance Quotes In Less Than A Minute

What Our Customers Say About Us

Rating 4.8/5

from 30k+ reviews

ermacyra baldivia

ermacyra baldivia

InsuranceMarket.ae

I’d like to express my sincere appreciation to Shaista Khan from InsuranceMarket.ae for her outstanding assistance with my insurance claim. From the very beginning, she was extremely efficient, quick to respond, and incredibly professional. She guided me through every step, made the whole process smooth, and handled everything with impressive speed and accuracy. It’s rare to find someone who is both knowledgeable and genuinely committed to helping clients, and Shaista exceeded all my expectations. Her support removed so much stress from the situation, and I’m truly grateful for her excellent service. Highly recommended — thank you, Shaista, for making the entire experience easy and worry-free! 🌟✨

Standing Alfred
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Top Car Rewards You Unlock With myAlfred Premium

Disclaimer: Offers are provided by third-party merchants through direct partners and affiliate networks. myAlfred acts solely as a platform to display these offers. The respective merchant is solely responsible for the offer, its availability, pricing, fulfilment, and applicable terms and conditions. myAlfred accepts no liability for any changes, inaccuracies, withdrawal of offers, or disputes arising from their use.

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FAQ Alfred

Car insurance: Frequently asked questions

What is car insurance?

How can I calculate my car insurance premium?

What does 'No Claims Discount' mean?

How to claim insurance for a car accident in dubai?

How to check car insurance status online?

What is excess in car insurance?

How does car insurance in the UAE work?

How to find my car insurance policy number?

What does 'own damage' mean in car insurance?

Can I customize my car insurance policy?

What are the types of car insurance in Dubai?

What Is the Penalty for Driving Without Car Insurance in the UAE?

Can I transfer my vehicle insurance plan to another car owner when transferring car ownership?

What documents do I need to purchase car insurance in the UAE?

Do you provide coverage for rental cars or loaner vehicles?

How do I choose between Third Party and Comprehensive insurance?