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Why Choose Third-Party Car Insurance in Dubai and How It Benefits You

Third-party car insurance in Dubai provides affordable coverage for damages caused to others' property or vehicles. It’s a legal requirement ensuring peace of mind on the road.

Benefits of Third-Party Car Insurance in Dubai

Ensures legal compliance
Covers damages to third-party property or vehicles
Protects against financial liabilities
Offers a straightforward claims process

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

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.

Get the Best Third Party Car Insurance Dubai Price Quotes with InsuranceHub.ae

Third-party car insurance significantly protects you financially if you are involved in an accident with another car. This insurance coverage is a necessity for all drivers and is a legal requirement in most jurisdictions, including Dubai. Third-party car insurance in Dubai prices start from AED 450 to AED 600 per year, and they can go up based on your individual insurance needs.

Third-party car insurance or third-party insurance will cover all your legal liabilities if you are the policyholder, including property and bodily damage. If you are looking for a low-price car insurance third party, then InsuranceHub is the best place to conduct your search. As one of the leading insurance comparison portals in UAE, we will provide you with all the information you need about third-party insurance.

Why Checking Third-Party Car Insurance Prices in Dubai is Essential

In today's day and age, owning a car is a need, not a luxury. It helps with easy commuting and saves time. However, accidents can happen at times and lead to extensive financial liabilities. With third-party car insurance, you relieve yourself of a lot of car-related stress and will also enjoy the following benefits.

1. Financial Protection:

This policy covers all the damages and injuries caused by an accident involving your car. This helps save the expense of paying exorbitant amounts from your savings. Moreover, you can find the cheapest third-party car insurance in Dubai with us for further savings on the premiums.
2. Legal Necessity:

Third-party car insurance is mandated by the RTA. Not adhering to this and not getting one can lead to heavy fines. It can also lead to vehicle impediments.
3.Peace of Mind

The third-party car insurance policies listed on our portal come at different prices, and each one is handpicked to offer you the best solutions. You can get the cheapest third-party car insurance and enjoy driving without worrying about the financial consequences of an accident.
4.Natural Disaster Coverage:

Third-party car insurance in Dubai also covers damage caused by natural disasters like storms, floods, or hurricanes. Getting the cheapest third-party car insurance in Dubai will help you avoid the expenses caused by such occurrences at a much lower price.

What Exactly Is Third Party Cover?

Third party motor insurance is the legal minimum mandated by UAE Federal Law No. 6 of 2007. It pays for death, bodily injury and property damage you cause to others, but it will not repair or replace your own vehicle. Because the scope of cover is limited, premiums are considerably lower than comprehensive plans, making the policy popular with owners of older or lower-value cars.

Key Factors That Shape Premiums

Vehicle type and engine size. High-powered SUVs or sports models generally attract a higher base rate.

Driver profile. Age, driving history, claims record and the number of years you have held a UAE licence all feed into the insurer’s risk algorithm.

Emirate of registration. Dubai’s dense traffic and accident frequency can raise premiums compared with quieter emirates.

Excess (deductible). A higher excess lowers the yearly premium but increases the amount you must pay if you cause an accident.

Optional add-ons. Agency repair, roadside recovery, GCC extension and personal accident benefits can be bolted on to most third party policies for an extra fee.

Typical Price Range in 2025

According to Central Bank filings analysed by InsuranceHub, the average third party policy for a four-cylinder sedan under five years old sits between AED 650 and AED 1,200 per year. Family SUVs commonly range from AED 900 to AED 1,600, while luxury cars may exceed AED 2,000 even for liability-only cover. The table below shows indicative 2025 premiums:

Vehicle Category	Average Annual Premium (AED)
Hatchback / City car	650 – 900
Mid-size sedan	800 – 1,200
4x4 / SUV ≤ 4.0 L	900 – 1,600
Performance / Luxury	1,800 – 2,800

How to Lower Your Premium

Maintain a clean driving record. Even a single at-fault claim can lift your premium by 15 – 25 % at renewal.

Increase your excess if you can comfortably afford out-of-pocket costs for minor accidents.

Install an approved telematics device. A growing number of insurers now reward safe driving data with discounts of up to 10 %

Bundle policies. If you also need home or life cover, multi-policy savings are available through InsuranceHub’s partnered carriers.

Pay annually. Insurers frequently surcharge 3 – 5 % on monthly payment plans.

Why Choose InsuranceHub.ae?

At InsuranceHub, you will find a wide range of third-party car insurance policies. You can compare the different third-party car insurance prices in Dubai and buy one that matches your needs and budget. Our experts handle all the paperwork; with us, the claim process is more straightforward than you can imagine. Car accidents can happen at any time and burden you with expenses. Visit InsuranceHub today for the best offers on third-party car insurance policies.

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