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Shopping for motor cover in the UAE should be quick, compliant, and priced right. If you only need legal third party protection for an older or low value vehicle, a basic car insurance quote shows you the minimum cover and price to stay on the road without paying for extras you will not use. On InsuranceHub.ae you can compare plans from 50 plus Central Bank approved insurers, get instant online prices, and buy in a few clicks with digital policy issuance. Start with a Basic car insurance quote to see real premiums tailored to your car, driver profile, and Emirate.


Why basic car insurance matters in the UAE


Third party liability cover is mandatory across all Emirates, and it protects other road users if you cause damage or injury. For many drivers, especially when a vehicle is older or fully depreciated, paying for comprehensive benefits does not make financial sense. A basic car insurance quote clarifies your minimum legal costs, typical excess, and optional add ons like roadside assistance or personal accident cover, so you can budget accurately before renewal or registration at Tasjeel or other centres.


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What does a Basic Car Insurance Quote Include?

  • A basic car insurance quote in the UAE provides third-party liability coverage, which is the minimum legal requirement to drive. It protects others from loss or injury caused by your vehicle but does not cover damage to your own car.

What’s Typically Covered


  • Third-party property damage: Covers repair or replacement costs for another person’s vehicle or property damaged in an accident where you are at fault.

  • Third-party bodily injury or death : Covers medical expenses, legal liability, or compensation for injuries or fatalities caused to others.

  • Limited add-ons (if available) : Some insurers may offer optional extras such as roadside assistance or personal accident cover, but availability is limited under basic policies.

What’s Not Covered


  • Damage to your own vehicle

  • Theft or fire

  • Natural disasters, vandalism, or off-road damage

  • Full add-on flexibility

Benefits of having a Car / Motor insurance in UAE

  • Covers your expenses you incur due to the motor damage.
  • Safety from Legal Implecations.
  • Protection from financial liabilities
  • Protection from the cost of third-party property damages

Types of Car Insurance

Comprehensive Car Policy and Third-Party Insurance are the two types of car insurance plans available in the market.

Comprehensive Car Insurance Policy

  • Comprehensive motor policy provides you with the coverage against the damages/losses incurred by theft or fire.
  • This insurance also pays out to a third party if the accident happens due to your mistake. You can also expect to get the claim if the damage on your car is taken place in another way like a crash or bump.
  • Experts advise to opt for the comprehensive vehicle coverage with additional add-on insurance covers in a search for the optimum possible protection.

Third-Party Insurance

  • Under this type of motor policy, you will provide the coverage for the damages or losses caused to another party by your vehicle.
  • According to the UAE law, it is known as the most basic and compulsory form of car policy. Of course, you have to pay lesser for this policy as compared to the comprehensive type.
  • Remember, you will not get the claim for any damages happened to your own car under this type of motor insurance in UAE.

How to compare car insurance quotes online


Comparing across insurers helps you see price differences driven by age, experience, claims history, and vehicle make. On InsuranceHub.ae, complete one short form, review like for like benefits, and sort by premium, excess, or insurer reputation. Check renewal benefits such as no claim discounts and free windscreen cover. If your situation changes, for example you add a young driver or move to a new Emirate, request an updated price so your cover remains compliant and cost efficient.


Documents needed for a car insurance quote


  • Keep your Emirates ID, driving licence, vehicle registration card (Mulkiya), and previous policy details ready to speed up the quote process.

  • If you’re transferring ownership or switching from comprehensive to third-party insurance, include your No Claim Certificate (NCC) to reduce premiums.

  • For imported vehicles, provide chassis details, GCC specifications, and inspection reports (if required).

  • Ensure all information is accurate and complete to avoid delays during policy issuance.

  • Correct disclosure also helps prevent claim disputes later.

Get your basic car insurance price with InsuranceHub.ae


Compare prices, speak with an expert, and buy basic car insurance online in minutes. We explain coverage clearly, help with claims and renewals, and keep your policy updated if your needs change.


Basic car insurance keeps you legal and protects third parties while you control costs. Compare beyond price—check policy wording, claims service, and repair networks to choose confidently.


Additional Cover Options

There are various insurance providers under which you will get a chance to include a variety of additional features or you can say ‘add-ons’ in your policy. Adding these features might ask you to pay something extra when you clear the amount of your final premium. However, they will benefit you in the long run. Check out a list of some commonly found policy add-ons:

  • Agency Repair
  • Personal accident coverage for driver & passengers
  • Emergency hospital expenses
  • Off-road cover
  • Roadside assistance
  • Personal belongings cover
  • Replacement of locks
  • GCC cover
  • New car replacement
  • Natural calamities cover
  • Dent repair
  • Windscreen cover

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FAQs About Basic Car Insurance Quote

Is basic car insurance mandatory in the UAE?

Yes. Basic car insurance, also called third-party insurance, is mandatory for all registered vehicles in the UAE as per UAE traffic and insurance regulations set by the Central Bank of the UAE.

What does basic car insurance cover in the UAE?

Basic car insurance covers third-party bodily injury, death, and property damage caused by your vehicle. It does not cover damage to your own car, theft, fire, or natural calamities.

What is not covered under basic car insurance?

Basic car insurance excludes damage to your own vehicle, personal injury to the driver, off-road accidents, and claims arising from reckless driving, alcohol influence, or non-compliance with UAE traffic laws.

Who is eligible to buy basic car insurance in the UAE?

Any UAE resident with a valid driving license and registered vehicle is eligible to buy basic car insurance. Expats and UAE nationals can both apply, subject to insurer age and license validity rules.

Can I get a basic car insurance quote online instantly?

Yes. You can get an instant basic car insurance quote online by providing your vehicle and driver details. Online comparison platforms help you compare prices from multiple UAE insurers in minutes.

How do claims work under basic car insurance?

In case of an at-fault accident, basic car insurance pays for third-party damages only. You must report the accident to the police and submit the police report and claim documents to the insurer.

How To Choose the best Car Insurance for that caters to Your Needs?