Top 14 Best and Cheap Car Insurance in Dubai

Owning your own car is undoubtedly a great privilege, but it also brings a set of responsibilities that should not be taken lightly. These responsibilities encompass regular servicing. Thus, obtaining a car insurance policy, and ensuring its timely renewal to enjoy continuous benefits.

Dubai boasts a wide array of car insurance companies, which can sometimes be overwhelming when trying to select the ideal policy. To simplify the process, we recommend utilizing an online comparison portal. Here, you can conveniently access comprehensive information about various policies. Policies include their features, inclusions, exclusions, and prices.

In this blog, we will present the top cheap car insurance companies in Dubai. However, before diving into the list, let’s first gain a better understanding of what is car insurance.

What is by Car Insurance?

Car Insurance in Dubai is a contractual agreement. In this agreement, an insurance company commits to providing compensation for specified damage, loss, or injury in exchange for a designated premium. It is a legal requirement in Dubai for car owners to have some form of car insurance.

Types of Car Insurance

In the Dubai, there are two primary types of car insurance:

Third-Party Liability Car Insurance

This type of insurance covers damages and injuries caused to a third party in an accident for which you are at fault. However, it does not cover any damages incurred by you or your vehicle. Third-Party Liability coverage is typically preferred by individuals with a clean driving history. And also with no previous claims.

Comprehensive Car Insurance

Comprehensive Coverage includes protection for damages caused to third parties. It includes both coverage for you and your vehicle in the event of a damage claim. It encompasses a wide range of insurance aspects. Moreover, you have the option to add additional features to enhance your coverage, but this may lead to an increase in the premium. Nevertheless, it provides more comprehensive protection for your car.

Documents Required

Certain essential documents are typically required. These documents include:

Driving license of the policyholder and those driving the insured car
Mulkiya or Vehicle Registration Certificate of the car
Emirates ID for citizens
Photocopies of passport and residential visa for non-citizens
Additional documents may be required by certain insurance companies. It’s advisable to check with the respective insurance company’s executive for the complete list.

Best Car Insurance Companies in Dubai

Following are some of the best cheap car insurance company

AXA Insurance

When it comes to the best car insurance companies in Dubai and the UAE, AXA Insurance stands out as a prominent name. With over six decades of dominance in the Gulf insurance market, AXA has earned the trust of many. What sets AXA Insurance apart from others in the industry is its handpicked insurance plans. As it can be tailored to suit individual needs. Moreover, the company offers valuable add-ons that can be purchased at an additional cost. Thus, providing enhanced coverage options. One of the key advantages of AXA Insurance is its hassle-free claim filing and tracking process. In result, it ensures a smooth experience for customers. Additionally, when purchasing AXA car insurance online, customers can benefit from discounts of up to 10%.

Phone no.: 800 AXA (292)

Website: https://www.axa.ae/en/

Sukoon Insurance

Sukoon Insurance, headquartered in Dubai, is another reliable option for car insurance seekers. Operating in every emirate, as well as the Sultanate of Oman and Qatar. The company offers various car insurance plans to cater to diverse requirements and budgets. Their coverage options include comprehensive car insurance, third-party car insurance. Sukoon Insurance also provides windscreen cover and emergency roadside assistance 24/7, 365 days a year, for all plan holders.

Phone number: 800 SUKOON (785666)

Website: https://www.sukoon.com/

RSA Insurance

For those seeking a trustworthy name in the car insurance industry, RSA Insurance with over 60 years of experience in the UAE fits the bill. RSA Insurance plans are designed to cater to the diverse needs of policyholders. Thus, offering comprehensive coverage even when driving in Oman. Their car insurance plans cover third-party car damage up to AED 5 million. Moreover, include features like 24/7 emergency roadside assistance and windscreen cover. RSA Insurance also provides personal accident cover for both the driver and passengers.

Phone no.: 800 772

Website: https://www.rsadirect.ae/

Noor Takaful Insurance

Noor Takaful Insurance is recognized as one of the top car insurance companies in Dubai. It is known for its competitive car takaful solutions. Offering comprehensive car insurance and third-party car insurance options. Noor Takaful provides third-party property damage coverage of up to AED 2 million. Their comprehensive coverage includes features such as windscreen damage, emergency medical expenses coverage. Moreover, also a new car replacement benefit. Additionally, Noor Takaful Insurance offers various add-ons for customers to customize the coverage. Thus, ensuring it meets their unique needs.

Phone no.: 800-Takaful (825 2385)

Website: https://noortakaful100.mendixcloud.com/p/home

Insurance House

It offers a wide range of car insurance covers that can be tailored to meet individual needs and budgets. Insurance House provides comprehensive protection against damages and losses. Moreover, also add legal liabilities associated with bodily injuries and property damage. Additional optional cover features include roadside assistance and coverage for supplying fuel. Furthermore, unlocking car doors, and towing the vehicle to a repair shop. They also offer stand-alone third-party liability policies for those seeking economical options.

Phone no.: 600511112

Website: https://www.insurancehouse.ae/

Adamjee

Adamjee is another viable option among the top best car insurance companies. It is a Pakistan-based company. The company has made a mark in the Gulf with its excellent health insurance plans and premium comprehensive car insurance option. Their comprehensive car insurance plans cover various damages, theft, and fire by lightning. Additionally, they provide third-party car damage coverage. It also offers add-ons like emergency medical expenses. Moreover, off-road cover for SUVs, and personal accident cover up to AED 200,000. They take pride in their fast application and claiming process.

Phone no.: +971 4 2752337

Website: https://adamjeeinsurance.ae/

Union Insurance

Union Insurance emphasizes protecting both the vehicle and the policyholders. They offer affordable motor insurance packages customized to suit individual needs. It has helpful staff guiding customers throughout the process. Union Insurance provides various benefits such as replacement cars at discounted rates, roadside recovery, airport pick-up and drop-off services. Moreover, concierge services, and swift repair services from their network of agencies and garages. They even offer freebies like replacement of locks, windscreen damage coverage, and valet parking theft protection. Additionally, high-value personal accident policies are available. Thus, covering not only the policyholder but also co-passengers and drivers.

Phone no.: +971 4 378 7777

Website: https://www.unioninsurance.ae/

National General Insurance (NGI)

NGI provides flexible automobile coverage under their Motornet Motor Insurance cover. It includes options to protect against natural calamities. Moreover, repairs at the dealer’s workshop for the initial years of vehicle registration, and coverage extended to Oman. NGI also offers perks like no-claim discounts and third-party property damage coverage up to AED 1,000,000. Additionally, medical expenses coverage up to AED 5,000, off-road cover for 4WD vehicles also includes.

Phone no.: +971 4 211 5800

Dubai Insurance

Dubai Insurance is a noteworthy option for those seeking one of the top cheapest car insurance companies in the UAE. With a history dating back to 1970, DIC offers motor insurance coverage for various physical damages. Including accidental collision, external explosion or self-ignition, theft, and loss during road transport. The company also covers third-party risks. Including death or bodily injury, as well as damages to property and materials.

Phone no.: +971 4 2693030

Website: https://www.dubins.ae/

Al Sagr Insurance

It stands out as one of the best car insurance service providers in the UAE. Company offers robust plans for both comprehensive and third-party liability car insurance. Al Sagr provides coverage for third-party car damage up to AED 2 million. Moreover, offers emergency roadside assistance 24/7. Customers can also benefit from various add-ons, including cover for the driver and passenger, windscreen cover, and more.

Phone no.: +971 4 702 8500

Website: https://www.alsagr.com/

Al Fujairah National Insurance Company (AFNIC)

The company is uniquely headquartered in the emirates of Fujairah. With a focus on meeting the requirements of local people, AFNIC has been operational since 1976. It has gained the trust of its customers. Their offerings include comprehensive car insurance and third-party liability car insurance.

Phone no.: 800 23642 (AFNIC)

Website: https://afnic.ae/en/

Abu Dhabi National Takaful Company

With its headquarters in Abu Dhabi, serves customers throughout the UAE, including Dubai. Despite being a relatively new company founded in 2003, it has become one of the top 10 car insurance companies in Dubai. They provide premium comprehensive car insurance plans. Like third-party car damage coverage, and emergency roadside assistance. Additional benefits include coverage for personal accidents and protection of belongings against theft.

Phone no.: +971 2 410 7700

Website: https://takaful.ae/en/

Orient Insurance

It also known as Motor Plus. This company is a popular choice for affordable car insurance in the UAE. They offer a variety of plans including comprehensive car insurance and third-party car insurance. They offer third-party car damage cover up to AED 100,000 and emergency roadside assistance. Orient Insurance remains a favorite among UAE residents.

Phone no.: 1800118485

Website: https://www.orientonline.ae/

Salama Takaful Insurance

It is the last on the list. The company offers a wide range of Sharia-compliant insurance products. Including comprehensive car insurance plans with various benefits and add-ons. Their coverage includes third-party car damage up to AED 3.5 million. Thus, making them a preferred choice for thousands in Dubai and the UAE.

Phone no.: +9221111875111

Website: https://www.salaamtakaful.com/

Conclusion

It’s essential to consider factors when searching for the top car insurance companies. Like convenient and easy-to-understand policies. Moreover, prefer companies with easy documentation process, fast services and prompt customer support. Go for relevant coverage options, and cost-effective rate policies. By taking these criteria into account, we have compiled a comprehensive list of the best car insurance companies. Thus, providing you with a valuable resource to make an informed decision that meets your needs and budget.

FAQs Related to Blog

Are rental cars Insured?

Yes, basic insurance is added in the rental cars but if you want to add more than you must have your own.

Can car insurance be transferred to new owner?

Yes, The process is straight forward and usually involves filling out assignment or transfer forms with your insurer.

Can i change my car insurance to another car?

Yes, you can transfer insurance from your old car to your new one. Usually, calling your insurance agent and informing them of your purchase is enough to start the process.

Can car insurance overlap?

Car insurance overlap can occur when switching to a new policy or insurance provider.

Is car insurance mandatory in Dubai?

Yes, it is mandatory by law to have car insurance in Dubai or any other emirate in the UAE.

What are the main types of car insurance available in Dubai?

The main types of car insurance are Comprehensive Car Insurance and Third-Party Liability Car Insurance.

What does Comprehensive Car Insurance cover?

Comprehensive Car Insurance covers damages to your car. Moreover, the damages to third parties, and provides additional benefits like roadside assistance.

What does Third-Party Liability Car Insurance cover?

Third-Party Liability Car Insurance covers damages to third parties in an accident where you are at fault, but it does not cover your car.

Can I buy car insurance online in Dubai?

Yes, many insurance companies in Dubai offer the option to purchase car insurance online.

What factors affect the premium cost of car insurance?

Factors such as the car's make and model, driver's age and experience, and claim history can influence the premium cost.

How much is basic car insurance in Dubai?

Basic vehicle coverage expenses in Dubai can vary based on factors like the type of coverage, car model, and driver's history. On common, a basic policy starts at AED 1,000 per year, but prices rely on person’s circumstances.

How much is third-party insurance in Dubai?

Third-party car insurance in Dubai is typically cheaper than comprehensive insurance. Prices vary, however it begins from round AED 600 to AED 1,000 per year, depending on elements which include the car's value and driver's history.

What is super CDW?

Super Collision Damage Waiver (Super CDW) is an optionally available insurance add-on that provides additional coverage beyond the standard Collision Damage Waiver. It often reduces or removes the excess amount you'd be responsible for in case of damage to the rental car.

What is the difference between CDW and LDW?

Collision Damage Waiver (CDW) and Loss Damage Waiver (LDW) are often used interchangeably. Both cover damage to the rental car, however CDW typically excludes certain events, while LDW may offer more comprehensive insurance.

How to get cheaper insurance rates?

Research thoroughly and select the one that is giving you packages and discounts. Also check for customer reviews as well.

How much is my car insurance?

The car insurance will be from 1.25 % to 3 % of your car value.