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What is car insurance?

Car Insurance in UAE is a contract where an insurance provider assures compensation in case of damage to the insured or third-party vehicle(s), in return for a yearly premium. It's an ideal way to shield your vehicle and ensure the safety of others on the road with you.

In several countries, including the UAE, having car insurance is a legal requirement. Whether it's for personal or business use, light vehicles, heavy vehicles, or bikes, having an insurance policy is mandatory before hitting the road. This policy acts as a safeguard against financial liability following an accident and facilitates resolution in a timely manner.

Digitization has made it simpler than ever to buy car insurance online in Dubai and the whole of UAE. BuyAnyInsurance provides a trusted online platform to cater to all your Insurance needs in the UAE. Our platform allows you to compare, select, and buy car insurance policies in UAE from the comfort of your home. We will guide you to get the best value for your money.

What are the different types of Car Insurance policies in UAE?

There are two main types of car insurance policies in UAE –

Third-Party Car Insurance

It insures against damages and injuries caused to third parties in a faulty accident. It does not cover any damages or injuries caused to the policyholder or their vehicle. Third-Party car insurance is the most basic and cheapest car insurance available but offers very less benefits as compared to comprehensive insurance.

Comprehensive Car Insurance

Comprehensive Car Insurance or Full Car Insurance covers damages and injuries caused to third parties as well as the policyholder in a faulty or non-faulty accident. It offers robust coverage with more benefits. Additionally, you may add on more features that may increase your premium but offer better benefits.

Which is better: Comprehensive or Third-Party Car Insurance?

One of the most asked questions is, between Comprehensive and Third-party Car Insurance, which should be bought. Deciding this may depend on various factors like car specifications, vehicle history etc. What you should know while deciding is, Third-party car insurance usually covers damages to third-party vehicles in case of a faulty accident while comprehensive car insurance covers damages to all vehicles during both faulty and non-faulty accidents. Comprehensive Car Insurance may also cover a wider range of scenarios like fire, accident, natural calamities, etc., which are not in control of the owner and can save you quite a lot of money in case of a claim.

You can get add-ons in your comprehensive car insurance Dubai or comprehensive car insurance UAE to make the policy more beneficial and useful.

What is covered in your car insurance policy?

Car Insurance Inclusions

Depending on various factors, the following services may be covered in your Car Insurance policy.

  • Onsite Repair Assistance – In case your vehicle breaks down or is damaged the car insurance provider will reimburse you the cost of repair.
  • Assistance with Towing – Cars that need to be towed to a workshop will be provided with the service.
  • Crane Assistance – In case your damaged vehicle needs to be extracted and removed from the site of a collision.
  • Flat Tyre Assistance – In case of a flat tyre, you will be assisted without any cost.
  • Dead Battery – If your battery dies in the middle of the road and you need to jump-start your engine, assistance will be provided to you.
  • Lost or Locked Keys – In case you lose keys, or your keys are locked up in the car roadside assistance will be provided to you.
  • Fueling Up – Imagine running out of gas in the middle of nowhere. Your Insurance policy will be a saviour during this situation.
  • Lost or Locked Keys – In case you lose your car keys, assistance will be provided to you.

Car Insurance Exclusions

Certain circumstances may invalidate your policy or disallow you to file a claim. For example:

  • Driving without a license
  • Driving under the influence
  • Overloading the vehicle beyond specified capacity
  • Withholding or intentionally providing misleading information
  • Intentionally damaging the car by initiating an accident
  • Using the vehicle for any purpose other than that mentioned expressly in the insurance policy
  • Filling a claim three years after the fact

BuyAnyInsurance car insurance plan add-on benefits

Additional Features

Certain additions in your car insurance can make the policy more beneficial. Some of the main ones are –

  • Personal Accident Cover – This additional cover is great for you if you opt for Third-Party Liability Insurance. This way you provide protection for any personal damage for yourself and your passengers.
  • Personal Belongings Coverage – In case of theft of your vehicle you will be compensated for your car and for any personal belongings that might have been inside at the time of theft.
  • Agency Repairs – You can choose for your car to be repaired by the original manufacturer.
  • Off-Road Insurance – If you entertain guests to desert safari, then it makes sense to get coverage for any damages you might incur there.
  • 24/7 Roadside Assistance – Another great additional feature is 24/7 roadside assistance in case you break down and need immediate help.
  • Natural Calamity Cover – You can get coverage for damages which are out of your control with Natural Calamity Coverage.
  • Medical Emergency Expenses Cover – In case of an accidental injury caused to the driver or a third party, this cover pays for the ambulance, medical costs, and emergency treatment.
  • Car Hire/Cash Cover – When your car is in for repairs you can get reimbursed for hiring a car during that time or get cash cover upfront.
  • WindscreenDamage Cover – Replacing the windscreen can be expensive and isn’t always included in your policy.
  • GCC/Oman Cover – If you travel between neighboring countries of the UAE often then this extra feature is for you.

Things to keep in mind when buying a car insurance policy in UAE

A lot of people prefer buying car insurance online these days. If you are also thinking the same, then keep in mind a few points.

Type of policy

It is important to understand the type of car insurance policy you require. For a wholesome cover that provides maximum benefits, comprehensive car insurance works best. Although, If you have a limited budget or your car history/specification does not allow you to go for comprehensive cover then you may opt for Third-party car insurance.

Cashless assistance

When buying a new car insurance lookout for IDV. IDV is the insured declared value of the car. It is the market value less the depreciation based on the car’s age. The IDV also represents the maximum coverage liability that the insurer undertakes. In the case of theft or total loss of the car, the maximum claim amount would be the IDV of the policy. Try and choose an IDV that matches the market value of your car so that the claim is higher.

Claim settlement ratio of the insurance provider

The Claim Settlement Ratio (CSR) indicates the percentage of claims that an insurance company settles in a financial year. The higher the CSR the better is the company in terms of claim settlement. That’s why it is recommended to compare CSR and choose an insurance provider that has a high CSR.

Beneficial add-ons

Comprehensive car insurance provides various add-ons. Choosing the most suitable ones will make your policy more useful, boost the claim payouts, and reduce your out-of-pocket expenses. Keep in mind that each add-on comes with an additional cost.

Premium vs. coverage offered

Always compare the best car insurance plans based on their premium and coverage offered. A plan that offers the most comprehensive scope of coverage and that too at the lowest premium would be the most beneficial.

Network of cashless garages in the UAE

If you are looking for the best car insurance in the UAE, make sure to check the network of cashless garages in the UAE. If you want to increase the probability of availing cashless settlement of claims, then the insurance provider should have tie-ups with various workshops and garages across Dubai and other emirates in the UAE.

How is car insurance premium calculated?

There is a simple formula that’s used to calculate a car insurance premium in UAE:

Premium = Own damage premium= IDV * [Premium Rate (decided by insurer)] + [Add-Ons (eg. bonus coverage)] – [Discount & benefits (no claim bonus, theft discount, etc.)]

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Many factors affect how expensive or economical your car insurance premium can be. Some of these include -

  • Driver’s age
  • Driver’s location
  • Vehicle type
  • Cubic capacity of engine
  • Fuel type
  • Geographical zone
  • Vehicle’s market value
  • Claims history
  • Insurance history

You can also use BuyAnyInsurance to calculate the accurate car insurance premium online. Get in touch with our experts to know more about exact premium prices and other car insurance Dubai or car insurance UAE details.

How can you save on your car insurance premium?

If you are looking to save on your Car Insurance premium and avail maximum benefits at the same time, then follow these steps:

Shop on BuyAnyInsurance

Shop on BuyAnyInsurance

No need to waste time shopping around by talking to many brokers or insurance companies. Just enter your car details on our website to compare car insurance quotations from different companies. If you’re not a tech-savvy person, just speak to our experts who have everything handled for you, end to end.

Get the right coverage

Get the right coverage

Third-party Insurance is cheaper than comprehensive insurance. However, if you’re opting for comprehensive coverage, you can choose fewer add-ons. By limiting your add-ons, you can get comparatively cheaper car insurance.

Ask for discount

Ask for discount

From time to time, Car Insurance companies offer discounts and deals on certain policies. Look out for these offers or ask your insurance expert about the latest available discounts.


Higher Deductible

Insurance deductibles are the amount you decide to pay out of your own pocket in case of a claim. By opting for a higher deductible, you can lower the premium. However, this affords you little protection in case of a claim, and you end up paying more in an emergency.


No-claims Discount

An unconventional way to get a lower premium is by being a good driver with little to no claim history on your policy. Policyholders with little or no claim history are awarded a No-Claims discount which lowers their policy premium significantly.

Bundle Insurance

Bundle Insurance

A smart way to get a discounted rate on your insurance is by buying more than one policy. You can club health, home, and motor insurance together from the same provider to get an overall discount on the premium.

How do you renew your car insurance online in the UAE?

You can renew your car insurance online by following the steps below:

  • Visit BuyAnyInsurance website, login to your profile and select the option of renewing your policy.
  • Enter all the required details and do mention the add-on covers.
  • Pay the premium using one of our convenient payment options.
  • You will receive the renewed policy in your inbox within a few minutes and can also request a hard copy of the document.
  • You may also choose to renew your policy by calling us at 800 765 429 to speak to our insurance expert who can take care of all of the above for you.
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What are the benefits of renewing your car insurance online?

The world is going digital and it is so easy and convenient these days to get everything in just a few clicks. Whether it is information about a new car or car insurance online, you can do it and avail all the benefits.

The main benefits of renewing your car insurance online are –

Quick and convenient

Renewing your car insurance online is quick and convenient. You just need to enter your existing policy number and pay the premium online. The hassle of visiting the agent and standing in queues is over with the online renewal of car insurance Dubai and car insurance UAE.

Upgrade to a better plan

When renewing your car insurance online you can easily compare car insurance plans and upgrade to a better plan or add beneficial features (at an extra cost) to make your car insurance policy more useful.

Zero paperwork needed

The hassle of offline car insurance renewal is now over. You don’t need to go through numerous documents. For online car renewal, you simply need your existing policy number and just a few more details. The policy will be renewed in just a few clicks and you can easily pay the premium online.

Instant coverage

You don’t need to wait for hours or days to get coverage for your vehicle. When you buy or renew car insurance online, you get the policy instantly in your inbox and can avail of the benefits from that moment onwards.


Why Should I Compare Car Insurance plans in UAE?

The market for Car Insurance in UAE is diverse, with many providers offering various plans. It's crucial to compare options to ...
The market for Car Insurance in UAE is diverse, with many providers offering various plans. It's crucial to compare options to ensure you're getting the best coverage to meet your needs at the best price. Comparing, evaluating the pros and cons, and then choosing the car insurance that aligns with your requirements is a smart approach.

What Factors Influence Car Insurance Premiums in UAE?

Several factors can affect the cost of your Car Insurance premium. These include: Driver’s age Driver’s ...
Several factors can affect the cost of your Car Insurance premium. These include:
  • Driver’s age
  • Driver’s location
  • Vehicle type
  • Vehicle’s market value
  • Claims history
  • Insurance holder's driving experience

How Can I Verify a Car Insurance Policy Number Online?

Checking a car insurance policy number online or in person is straightforward. You can view your policy number on the soft copy ...
Checking a car insurance policy number online or in person is straightforward. You can view your policy number on the soft copy of the policy document, through SMS, or by calling the helpline number. This number is vital during car insurance policy renewal or in the aftermath of a car accident.

Is the Policy Transferrable to the New Buyer if I Sell My Vehicle?

Car Insurance policy in UAE is personalized to your profile, and cannot be transferred to another individual along with the ...
Car Insurance policy in UAE is personalized to your profile, and cannot be transferred to another individual along with the vehicle. If you sell your car, it's advisable to cancel your policy. The new buyer will need to initiate a new policy for the car.

Can I Renew My Insurance through BuyAnyInsurance?

Absolutely! Renewing your insurance is easy on Whether you're purchasing a new policy, switching ...
Absolutely! Renewing your insurance is easy on Whether you're purchasing a new policy, switching providers, or renewing your existing car insurance policy, just visit our website or give us a call at 800 765 429.

Is Purchasing a Car Insurance in UAE Mandatory?

Yes, it's a legal requirement to have a car insurance cover in the UAE, which also adds a layer of financial security. Living ...
Yes, it's a legal requirement to have a car insurance cover in the UAE, which also adds a layer of financial security. Living in the UAE can be costly, and unexpected vehicle repair or medical expenses post-accident can add to the financial burden. A car insurance cover helps mitigate these costs, ensuring you stay compliant with the law.

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