Third party motor insurance is the minimum legal cover every driver must hold before getting behind the wheel in the Emirates. While it is less comprehensive than a full policy, it remains crucial for financial and legal protection. This article unpacks how third party motor insurance works, when it makes sense, and how to buy it smartly through insurancehub.ae.
How Does Third Party Motor Insurance Work?
Third party motor insurance, as the name suggests, protects you against liability for injuries or property damage you cause to other people in a road accident. It pays for:
- Bodily injury or death of third parties (including passengers).
- Damage to third-party property, such as vehicles, buildings, or roadside fixtures.
It does not pay for repairs to your own car or your medical expenses.
Mandatory Nature Under UAE Law
Federal Law No. 21 of 1995 makes motor insurance compulsory. The Traffic Departments in every emirate will decline your registration or renewal if you cannot show a valid policy. Driving without insurance can lead to:
- AED 500 fine.
- Four black points on your licence.
- Vehicle impoundment for seven days.
Key Differences: Third Party vs Comprehensive Cover
| Feature | Third Party Motor Insurance | Comprehensive Insurance |
| Own-damage cover | Not included | Included |
| Cost | Lower premium (starting ~AED 550) | Higher premium (from ~AED 1,200) |
| Natural perils (flood, hail) | Excluded | Optional add-on / included |
| Agency repairs | Not covered | Often covered up to 5 years |
| Legal compliance | Yes | Yes |
When Third Party Motor Insurance Makes Sense
- Older vehicles with low market value where repair cost could exceed the car’s worth.
- Drivers seeking short-term legal compliance before selling the car.
- Cost-savvy motorists comfortable shouldering their own repair expenses.
Limitations You Should Know
- No coverage for theft, fire, or total loss of your own vehicle.
- Some insurers cap third-party property damage at AED 2 million (the legal minimum); higher limits cost extra.
- Off-road accidents and motorsport events are excluded.
Buying a Policy Through insurancehub.ae
insurancehub.ae aggregates quotes from both local and international insurers. The process is simple:
- Enter car details—make, model, year—and your Emirates ID.
- Compare third party motor insurance premiums and liability limits.
- Select add-ons like roadside assistance if desired.
- Pay online and download your policy instantly.
Mentioning insurancehub.ae simplifies your search, ensures transparency, and can save up to 40 % compared with visiting individual insurers.
