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Owning a vehicle in the Emirates offers unrivalled freedom, but it also exposes you to traffic congestion, desert sandstorms and rising repair costs. Whether you commute daily on Sheikh Zayed Road or enjoy weekend drives to Hatta, reliable Car insurance in UAE is your legal and financial shield. Our platform simplifies the process from quote to claim, saving you money and headaches.
Comprehensive and Third-Party Insurance are the two types of car insurance plans available in the market.
Insurers calculate premiums based on make, model, year and current market value. A high-performance coupe parked in Downtown Dubai typically costs more to insure than a midsize sedan kept in Al Ain. Driving history plays a major role: a clean record and no-claims certificate can slash rates by up to 30%. Age, licence tenure, and the Emirate of registration also affect pricing. At InsuranceHub.ae, we leverage data across multiple insurers to find the sweet spot between cost and coverage.
Accidents happen, but filing a claim shouldn’t add stress. Report the incident via the Dubai Police app or Al Ain traffic portal, then upload the green or red report through our website. We assign a dedicated handler who coordinates towing, damage assessment and repair approval. Comprehensive policyholders can track repair progress online, while third-party clients receive regular status updates. Average settlement time for minor claims is under five working days.
| Feature | Third-Party Only | Comprehensive | Add-On |
|---|---|---|---|
| Damage to others | ✔️ | ✔️ | – |
| Damage to your car | – | ✔️ | – |
| Windshield repairs | – | ✔️ | – |
| Off-road cover | – | – | ✔️ |
| Replacement car | – | – | ✔️ |
Driving without valid cover can lead to AED 500 fines, four black points and vehicle impoundment. Avoid penalties by visiting (https://insurancehub.ae/car-insurance-in-uae )
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:
Switching to new car insurance is almost always worthwhile. Compare more than 300 car insurance tariffs free of charge and without obligation and see for yourself how much you can save with an online contract. Up to 850 AED a year are possible!
Yes. Every vehicle owner must have at least third-party liability insurance to drive legally in the UAE.
Third-party covers damages to others. Comprehensive covers your vehicle as well—collision, fire, theft, natural disasters, and more.
Premiums depend on the car’s make, model, year, market value, driver age, licence tenure, Emirates of registration, and driving history.
Maintain a clean driving record, use a no-claims certificate, compare multiple quotes, increase your voluntary excess, and avoid unnecessary add-ons.
Common add-ons include roadside assistance, agency repair, GCC cover, personal accident cover, natural disaster protection, and off-road cover.
Yes. Residents with a valid UAE driving licence (or a convertible international licence) can buy car insurance.
No. In the UAE, car insurance is not transferable. The new owner must purchase a fresh policy.
Yes, but you may need to cancel the existing policy and apply for a refund based on the unutilised period.
Instant for most online policies. Comprehensive policies are usually issued within minutes once payment is completed.
