Best Car insurance Companies in Dubai
There are a plethora of car insurance companies in Dubai. Sometimes it gets overwhelming to choose the best car insurance policy. We recommend that you use an online comparison portal where you can get all the details like features, inclusions, exclusions, price etc.
In this blog we share with you the 10 best car insurance companies in Dubai.
But first let’s understand what car insurance is and its types.
What is car insurance?
Car insurance is a contract through which an insurance company undertakes to guarantee compensation for specified damage, loss, or injury in return for a specified premium. It is mandatory as per law in the UAE to have one or the other kind of car insurance if you have a car.
Types of car insurance
There are two types of car insurance in the UAE –
- Third-Party Liability Car Insurance
Third-Party Liability insures damages and injuries caused to a third party in an accident that was your fault. It does not cover any damages that you or your vehicle sustained. Third-Party Cover is preferable for those with an excellent driving history with no claims in the past.
- Comprehensive Car Insurance
Comprehensive Coverage provides for damages to third parties and you in case of a damage claim. It covers most aspects of insurance, but you can opt for additional features for a more robust coverage. Of course, this will increase your premium but will provide better protection.
Documents needed to buy or renew your car insurance
If you want to buy new car insurance or are looking to renew your existing car insurance, then there are a few documents that would be required. The documents include –
- Driving license of the policyholder and those driving the insured car
- Mulkiya or Vehicle Registration Certificate of the car
- Emirates ID for citizens
- Photocopies of passport and residential visa for non-citizens
Certain insurance companies might ask for additional documents. You can get in touch with the executive of the particular insurance company to know the complete list.
Let’s now take a look at the 10 insurance companies which made it to the best insurance companies in Dubai list.
Here are the 10 best car insurance companies in Dubai
AXA Insurance
When listing the best car insurance companies in Dubai and the UAE, AXA Insurance is a name that cannot be missed. It has been dominating the Gulf insurance market for more than 6 decades and today it has become a favorite of people. What sets AXA Insurance apart from the other names in the industry is the handpicked insurance plans that can be customized for you and various valuable add-ons that can be purchased at an additional cost. The USP of the company is its hassle-free claim filing and tracking procedure. You can also avail up to 10% discount when you buy AXA car insurance online.
Some of the main features are –
- Third-party car damage cover including AED 3.5 million – AXA Perfect and Third-Party plans and AED 5 million –AXA Prestige plan
- Emergency roadside assistance available 24 x 7, 365 days a year for all plan holders
- Windscreen damage waiver – complete Cover (Prestige) and up to AED 5,000 (Perfect)
- Personal injury cover up to AED 20,000
- Additional add-ons – personal accident cover for driver, personal accident cover for passengers
- Accident and breakdown recovery – 24 X 7 for all plans
- Agency repairs – up to 5 years (optional) for AXA Perfect Plans and 5 years (included) for AXA Prestige Plan
Oman Insurance
If you are looking for reliable car insurance, then check out Oman Insurance. It has its headquarters in Dubai and operates in every emirate with a network of over 15 branches in each emirate, Sultanate of Oman, and Qatar as well. There are various car insurance plans that you can choose from based on your requirement and budget.
Some of its main features are –
- Car insurance options available – comprehensive car insurance, third-party car insurance, InsureMyTesla (tailor-made plan for Tesla owners), and High Net Worth motor cover (for luxury vehicles)
- Windscreen cover starting AED 3000
- Third-party damage cover – AED 3,500,000 for Comprehensive and Third-Party Liability Covers; AED 5,000,000 –InsureMyTesla and High Net Worth Motor Cover
- Emergency roadside assistance available 24 x 7, 365 days a year for all plan holders
- Personal injury cover AED 30,0000
- Agency repairs – up to 3 years (comprehensive and third-party plans) and 5 years and extendable (for InsureMyTesla and High Net Worth Motor Cover)
- Geographical expansion – UAE and Oman (Qatar as well for High Net worth Motor Covers)
RSA Insurance
With more than 60 years of experience in the UAE, RSA Insurance has become a trustworthy name in the industry. The car insurance plans have been designed keeping in mind the numerous and varied needs of policyholders. The best part about RSA car insurance Dubai is that your car is covered against damages even when you’re driving in Oman.
Some of the main features are –
- Third-party car damage cover – AED 3,500,000 – Motor Smart and Motor Value and AED 5,000,000 – Motor Executive
- Emergency roadside assistance available 24 x 7, 365 days a year for all plan holders
- Windscreen cover included
- Geographical expansion – UAE and Oman
- Personal accident cover (driver and passenger) – AED 20,000 (separately for driver and each passenger)
- Emergency medical expenses – AED 6000 (Motor Executive) and AED 3500 (Motor Smart)
Noor Takaful Insurance
If you have ever searched for competitive car or health insurance in the UAE then you must have noticed that Noor Takaful Insurance falls among the top companies for car insurance in Dubai. It is known for its diverse plans and amazing add-ons that can be purchased at an additional cost. 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.
Some of the main features are –
- Available options – comprehensive car insurance and third party car insurance
- Personal belongings cover – AED 4000
- Geographical expansion – UAE
- Emergency medical expenses – AED 4000
- Accident and breakdown recovery – 24 X 7 for all plans
- Add on – Oman extension, off-road vehicle cover, personal accident cover, and rent-a-car
- Agency repairs – 3 years for comprehensive car insurance plans
Adamjee Insurance
Next on the list of top 10 car insurance companies in Dubai is Adamjee Insurance. It is a Pakistan based company that has created a niche for itself in the Gulf. You must have heard of their amazing health insurance plans. But the company offers premium comprehensive car insurance plans as well at most affordable rates.
Some of the main features are –
- Known for their comprehensive car insurance plans
- Third party car damage covered
- Emergency roadside assistance available 24 x 7, 365 days a year for all plan holders
- Add ons – emergency medical expenses (AED 5000), off road cover (for SUVs), personal accident cover (up to AED 200,000)
- Personal injury
- Agency repairs covered
- Geographical expansion – UAE and Yas Marina Circuits
Al Sagr Insurance
Al Sagr is one of the best car insurance service providers in the UAE. They have robust plans for both comprehensive as well as third-party liability car insurance. You can know more about the plans on the website and the representatives would be happy to guide you to choose the best car insurance for you. They have more than 50 years of experience in the industry, so you know you are in safe hands.
Some of the main features are –
- Available options – both comprehensive as well as third-party car insurance
- Third party car damage cover – up to AED 2 million
- Emergency roadside assistance available 24 x 7, 365 days a year for all plan holders
- Geographical expansion – only UAE
- Agency repairs for 3 years
- Personal injury up to AED 20,000
- Add-ons – cover for the driver and passenger, Oman extension, Orange card extension, medical cover Up to AED 2,000; windscreen cover Up to AED 2,000
Al Fujairah National Insurance Company (AFNIC)
This is the only insurance company in the entire UAE that has its headquarters in the emirates of Fujairah. AFNIC is a well-known insurance company in the UAE and keeps in mind the requirements of local people. It has been operational since 1976 and ever since they have garnered trust among customers. It is one of the few insurance companies in the UAE that allows its customers to buy insurance products from insurance ATMs, scattered across the country.
Some of the main features are –
- Available options – comprehensive car insurance and third-party liability car insurance
- Third party car damage covered
- Driver and passenger covers – up to AED 200,000
- Emergency roadside assistance available 24 x 7, 365 days a year for all plan holders
- Windscreen damage covered for personal cars only
- Emergency medical expenses covered
- Agency repairs included in comprehensive car insurance
- Geographical expansion – UAE + Oman extension (with Orange card only)
Abu Dhabi National Takaful Company
Abu Dhabi National Takaful Company has its headquarters in Abu Dhabi, but serves customers throughout the UAE including Dubai. The company is fairly new. It was founded in 2003 and in such a short span of time, the company has done some amazing work to reach in the list of top 10 car insurance companies in Dubai.
Some of the main features are –
- Offers premium comprehensive car insurance plans
- Third-party car damage covered
- Emergency roadside assistance available 24 x 7, 365 days a year for all plan holders
- Personal accident – covered for the insured driver as well as an employee driver
- Geographical expansion – UAE and Oman
- Personal belongings – covered against fire and theft
- Additional free services – Flat tire, battery boosting, look-out service, towing, Rent-A-Car (24 hours), and mechanical breakdowns.
Orient Insurance
Orient Insurance which is also known as Motor Plus is one of the favorites of the people of the UAE when it comes to getting cheap car insurance. There are a variety of plans that have been designed keeping in mind the needs of citizens.
Some of the main features are –
- Available options – comprehensive car insurance and third party car insurance
- Third party car damage cover up to AED 100,000
- Emergency roadside assistance available 24 x 7, 365 days a year for all plan holders
- Geographical expansion – UAE and Oman
- Accident and breakdown recovery – 24 X 7 for all plans
- Protection against flood, storm, or any other natural disaster, protection for personal effects, and clothing against fire, off-road covers, protection against strikes and riots
Salama Takaful Insurance
Last, but not the least on the list of best car insurance companies in Dubai is Salama Takaful Insurance. The company offers a huge range of Sharia-compliant insurance products and has been the industry leader ever since their establishment. It offers comprehensive car insurance plans with a variety of benefits and add-ons as added benefits to the customers making it the choice of thousands in Dubai and all over the UAE.
Some of the main features are –
- Available options – comprehensive car insurance
- Third party car damage cover up to AED 3.5 million
- Emergency roadside assistance available 24 x 7, 365 days a year for all plan holders
- Off-road cover for SUVs
- Windscreen damage covered up to AED 4000
- Personal belongings up to AED 5000
- Emergency medical expenses up to AED 5000
- Geographical expansion – UAE and Oman
- Accident and breakdown recovery – 24 X 7 for all plans
Before buying any car insurance policy, make sure to compare and get quotes on BuyAnyInsurance. The website is free to use and you can get as many quotes as you like.
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Originally published Dec 05, 2022 09:53:03 AM, updated Jun 05, 2024