Owning a vehicle is a cherished and highly expected experience for everyone in Dubai. Whether it’s an expensive sports car, a luxury vehicle, or a basic family car, having your car is an unmatched feeling. Naturally, we all want to do everything possible to ensure its well-being and safety.
Reliable data shows how important it is to have proper car insurance. Statistics reveal that 50 % of car owners in Dubai have been in accidents in the last five years. This highlights the unpredictable nature of driving and the need for adequate coverage. Additionally, uninsured vehicles are 50% more likely to be involved in accidents. These figures emphasise the importance of insurance to avoid potential risks and financial burdens.
This is where car insurance companies come into play. Whether you’re a resident or an expat in Dubai, having a strong car insurance policy is a legal requirement and a safeguard against unforeseen incidents. They offer coverage, benefits and services to their policyholders. For instance, they provide 24/7 roadside assistance, ensuring immediate help during emergencies.
But when it comes to car insurance in Dubai, choosing the right provider can make all the difference. With numerous options, selecting a company offering comprehensive coverage, competitive rates, and excellent customer service is essential. This article explores the top 10 car insurance companies in Dubai, UAE- 2024, ensuring you make an informed decision.
Top 10 Car Insurance Companies in Dubai, UAE
1. Sukoon Insurance
Sukoon Insurance is among one of the best car insurance companies in Dubai. It operates across all the emirates and in Oman and Qatar. With more than 15 branches in each emirate, Sukoon Insurance is well-known for offering various insurance options, including health, life, and property insurance. It is a leading provider of car insurance in the UAE, offering comprehensive, third-party, and specialised coverage plans.
Visit their official website to learn more about the coverage and benefits.
| Coverage Type | Description | Features |
| Comprehensive Car Insurance | Complete protection for your car with a wide range of benefits and additional covers. | Covers accidental damage, theft, fire, and natural disasters. Optional add-ons are available. |
| Privilege Motor | Premium insurance plans for luxury vehicles with high limits and a range of covers. | High coverage limits, luxury vehicle support, and premium services. |
| Third-Party Car Insurance | Basic insurance covers liabilities to third parties in case of an accident. | Covers personal injury and property damage liabilities to third parties. |
2. Watania Takaful
Watania Takaful Insurance Company (previously known as Noor takaful) is a well-known insurance provider in the UAE, offering various insurance products. These include Motor Takaful, Medical Takaful, Travel Takaful, Commercial Takaful, and Personal Takaful. Watania Takaful aims to be a leader in the takaful sector in the Middle East, using a modern approach to Islamic insurance. Their dedication is evident in their innovative products and services that meet their customers’ needs.
Visit their official website to learn more about the coverage and benefits.
| Coverage Type | Description | Features |
| Comprehensive | Full coverage for your vehicle and third-party liabilities. | Loss/damage to your vehicle, third-party property damage, bodily injury, natural calamities, 3 years standard agency repair, 24-hour roadside assistance, no claims discount, emergency medical expenses, personal belongings cover, windscreen damage waiver, new car replacement, valet parking cover, personal accident benefit for driver & passengers, Oman extension, off-road cover, car rental (up to 7 days). |
| Third-Party | Coverage for injuries and damages to third parties. | Third-party property damage up to AED 2M, third-party bodily injury as per judicial award. |
| Add-ons | Optional covers for additional protection. | Roadside assistance, no claims discount, emergency medical expenses, personal belongings, windscreen damage waiver, new car replacement, valet parking cover, personal accident benefit for driver & passengers, Oman extension, off-road cover, car rental (up to 7 days). |
3. Salama Takaful Insurance
Salama is the oldest Takaful insurance company in the UAE, founded in 1979. It has consistently been a leader in the Takaful insurance industry. Salama offers various Sharia-compliant insurance products, including highly-rated comprehensive car insurance plans. With many benefits and add-ons, Salama provides excellent value, making it a top choice for car insurance.
Visit their official website to learn more about the coverage and benefits.
| Coverage Type | Description | Features |
| Comprehensive Car Insurance | Covers damage or loss to your car, liability to third parties, and personal accident cover for the owner/driver. | . Hassle-free claims process . Wide network of approved garages No claim bonus protection . Inbuilt personal accident benefit |
| Enhanced Motor Benefits | Additional services for comprehensive car insurance holders. | . Free lockout services Free flat tire service Free battery boost service . Free vehicle recovery service . Free fuel delivery service . Free off-road assistance Car registration service Toll-free customer service |
| Additional Benefits | Extra features to enhance care and protection for your vehicle. | . Up to 20% no claim bonus . Instant policy issuance Dedicated support team . No paperwork required |
4. GIG Gulf Car Insurance
GIG Gulf Insurance (also known as AXA Insurance) is a global company based in France that has led the Gulf insurance market for over 60 years. In the UAE, it offers competitive, comprehensive car insurance packages with coverage for up to 15 years. What sets GIG apart is its well-designed policies, various internal options, and additional services available as add-ons. It provides a wide range of comprehensive car insurance plans and mandatory third-party coverage, making it one of the top car insurance companies in Dubai, UAE.
Visit their official website to learn more about the coverage and benefits.
| Coverage Type | Description | Features |
| Motor Prestige Insurance | Top-tier car insurance with extensive protection. | . Full vehicle protection . Third-party liability (bodily injury and property damage up to AED 5 million)Fire, theft, storm, flood, riot, and strike coverage . Personal injury cover up to AED 20,000Emergency medical support up to AED 6,000 Personal belongings protection up to AED 4,000Coverage for Oman and off-road . Agency repair up to 5 years,- Total loss benefit for 24 months . Optional benefits including driver and passenger cover, GCC coverage, and more |
| Motor Perfect Insurance | Comprehensive car insurance with balanced protection and affordability. | Vehicle damage protectionThird-party liability (bodily injury and property damage up to AED 3.5 million)Fire, theft, storm, flood, riot, and strike coveragePersonal injury cover up to AED 20,000Emergency medical support up to AED 3,500Personal belongings protection up to AED 4,000Coverage for Oman and off-road,- Agency repair up to 5 yearsOptional benefits including hire car benefit, total loss protection, and more |
| Motor Third-Party Insurance | Essential protection at a low cost, covering third-party damages and select benefits. | Third-party liability (bodily injury and property damage up to AED 3.5 million)Optional Oman coverage24-hour accident recoveryOptional personal accident benefits for driver and passengers (up to AED 200,000 each) |
5. Al Sagr Insurance
Founded in 1979, Al Sagr is a leading insurance and reinsurance company based in Dubai. Known for its excellent services, Al Sagr is a public shareholding company and one of the top car insurance providers in the UAE. They offer a variety of comprehensive and third-party insurance plans with many benefits and features.
Visit their official website to learn more about the coverage and benefits.
| Coverage Type | Description | Features |
| Motor Comprehensive Insurance | Comprehensive car insurance covering loss, damage, and third-party liability. | . Agency repair up to 3 years . Outside agency repair up to 10 years . Damage to items and properties: AED 2,000,000 . Bodily injury: Unlimited . National Ambulance service: AED 6,770 per person . Personal accident cover: AED 200,000 . No claims discount if claim-free for 1 year . Roadside assistance . Optional benefits: Driver and passenger cover . Personal possessions protection . Windscreen damage cover . Medical expenses . Natural perils cover Oman coverage . Orange Card benefit |
| Third-Party Liability Insurance | Basic insurance covering third-party bodily injury and property damage. | Third-party bodily injury: UnlimitedThird-party property damage: Up to AED 2,000,000 |
6. Orient Insurance
Founded in 1982 as part of the Al-Futtaim Group, Orient Insurance Company has grown steadily. It’s a major player in the UAE insurance market, boasting the highest paid-up capital of AED 500 million. The company’s main office is in Dubai, and it has branches in Jebel Ali, Abu Dhabi, Al Ain, Sharjah, and Ras Al Khaimah in the UAE, as well as in Muscat, Oman, and Bahrain.
Visit their official website to learn more about the coverage and benefits.
| Coverage Type | Description | Features |
| Motor Comprehensive Insurance | Comprehensive car insurance offers high levels of protection and flexible options. | . Repairs at dealer/agency workshops for the first 3 years . Protection against natural disasters . Coverage against riots and strikes . Personal effects protection (up to AED 1,000) . Emergency medical expenditures (up to AED 500 per person) . No excess on windscreen claims Roadside assistance . Off-road cover for 4WDsGeographical extension to Oman . Free life insurance cover (up to AED 100,000) . Legal liability to immediate family members |
| Motor Third-Party Liability Insurance | As per UAE law, basic and mandatory motor insurance covers third-party damages and injuries. | Third-party bodily injury: UnlimitedThird-party property damage: Up to AED 2,000,000 per occurrence |
| Fleet Insurance | Provided corporate clients with effective risk management for maintaining their fleet of vehicles. | . Comprehensive coverage for all vehicles in the fleet . Customized insurance terms based on fleet size and history . Risk management support for fleet maintenance |
7. Liva Insurance
With over 60 years of experience, Liva Insurance (formerly RSA Insurance) is a key player in the UAE insurance market. Its history is about 300 years, and has served UAE customers since 1956. Known for its reliable car insurance, RSA offers various insurance plans to meet different needs, each with many benefits.
Visit their official website to learn more about the coverage and benefits.
| Coverage Type | Description | Features |
| Motor Executive | Comprehensive coverage with extensive benefits. | . Vehicle inspection . Document handling . Ambulance cost . Third-party liability for property damage use in Oman . No claims discount . Driving another car . Emergency medical expenses . Emergency repairs . Valet parking . Personal injury, etc. |
| Motor Smart | Balanced coverage with essential benefits. | Similar to Motor Executive but with fewer additional features. |
| Motor Value | Basic coverage focused on essential vehicle protection and third-party liability. | . Third-party liability, loss or damage to your vehicle . Windscreen protection . Lock replacement . Off-road cover . Perils of nature . New vehicle replacement . Personal accident benefit (driver and passenger) . Temporary rent-a-car, etc. |
8. Abu Dhabi National Insurance Company (ADNIC)
Abu Dhabi National Insurance Company (ADNIC) is the UAE’s oldest and most trusted insurance provider. Their car insurance policies offer comprehensive coverage, including damage to your vehicle, third-party liability, and protection against theft and natural disasters.
Visit their official website to learn more about the coverage and benefits.
| Coverage Type | Description |
| Gold | Comprehensive coverage with additional benefits and third-party liability cover up to AED 3,500,000. |
| Standard | Basic level of coverage with third-party liability property damages up to AED 2,000,000. |
| Third-Party Liability | Minimum mandatory coverage in the UAE with third-party damages up to AED 2,000,000, not covering your vehicle. |
9. Adamjee Insurance
Adamjee Insurance is one of the top car insurance companies in Dubai, UAE. It works with the Ministry of Economy and was established in 1960. Adamjee is listed on the Pakistan Stock Exchange. Known for its diverse business activities, Adamjee is well-respected in the UAE for offering car insurance plans with extensive coverage.
Visit their official website to learn more about the coverage and benefits.
| Coverage Type | Description |
| Comprehensive Car Insurance | Protects your vehicle, you, and passengers against loss, damage, and third-party liabilities. |
| Third-Party Car Insurance | Covers your liability towards third-party injuries and property damage. |
| Silver Package | . Includes vehicle loss or damage . Third-party injury and property cover . Ambulance, medical expenses . Windscreen damage . Natural calamity . Personal accident cover . 24/7 roadside assistance and discounts. |
| Gold Package | It is similar to the Silver Package but with additional benefits, such as geographical coverage in UAE, airport services, meet and greet, home cleaning, and document delivery. |
| Additional Benefits | Offers services like full cost compensation in case of total loss, and various mobility protection services. |
10. Al Fujairah National Insurance Company (AFNIC)
AFNIC offers a variety of car insurance options that are affordable and cover everything you need. They have standard plans and customisable options to fit different needs. AFNIC also has an easy-to-use online portal to manage your policy, file claims, and get support. Their quick and efficient claims process ensures you face minimal hassle if something goes wrong. Known for being clear and reliable, AFNIC is a trusted choice for car insurance in Dubai.
Visit their official website to learn more about the coverage and benefits.
| Coverage Type | Description |
| Motor Comprehensive Cover | Covers damage to the insured vehicle from an accident and third-party liability, according to the country’s Road Traffic law. |
| Agency Repair Cover | This type of cover can be repaired in the Agency/Dealer’s Workshop. |
| Non-Agency Repair Cover | Repair in this type of cover will be in any garage – NOT in any Agency/Dealer’s workshop. |
| Comprehensive Policy Cover Includes | . Damage to the insured vehicle due to an accident, such as collision . Overturning, fire . External explosion . Self-ignition . Theft or burglary . Malicious act of third party . Accidents during transit, etc. |
| Third-Party Liability Cover | . Covers the insured person’s legal responsibility for any injury. . Death, or damage to other people’s property caused by an accident having the vehicle in a public area, following the country’s Road Traffic law. |
| Additional Cover and Facilities | . Driver & Passenger Cover, up to AED 200,000O . Man Cover with Orange Card . Emergency Road Side Assistance Services . Natural Disaster Cover . Other. |
Step-by-Step Guide to Choosing the Right Car Insurance:
- Figure Out What You Need: Think about how much coverage you need based on your car’s worth and how you drive.
- Compare Prices: Get quotes from insurance companies to find the best deal.
- Read Reviews: Check customer reviews to see how reliable each insurance company is.
- Check Coverage Options: Ensure the policy covers all possible risks and includes any necessary add-ons.
- Look at the Claims Process: Pick a company with an easy and efficient claims process.
Final Takeaway:
This brings us to the end of the list of the top 10 car insurance companies in Dubai, UAE—2024. Although many insurance companies can satisfy your car requirements, choosing the best car insurance in Dubai, UAE, is important for full protection and peace of mind. The top 10 providers above offer various options for different needs and preferences. By looking at factors like coverage, customer service, and claims efficiency, you can find the ideal car insurance policy for 2024.
Also, check out our guide to the network of garages that handles car insurance of these companies in Duabi, UAE.
Frequently Asked Questions (FAQs):
Q. Which type of insurance is best for a car?
Comprehensive Car Insurance Policy
Q. What factors should I consider when choosing a car insurance company in Dubai?
Consider the coverage options, premium rates, customer reviews, and the efficiency of the claims process.
Q. What is the minimum car insurance requirement in Dubai?
Dubai requires at least third-party liability insurance for all vehicles.
