Car Insurance Extensions & Essentials for Your Road Trip to Oman

car insurance for Oman trip- motor insurance brokers- Gargash Insurance- UAE 28 Nov, 2023

Planning a road trip to Oman for the long weekend? Ensure a smooth and stress-free journey by understanding the essential car insurance requirements for your trip.

Oman, with its picturesque landscapes ranging from the lush green mountains of Salalah to the captivating seascapes of the Musandam Peninsula, is a road trippers paradise. The proximity of Oman makes it an ideal destination for UAE residents seeking a quick getaway. However, before you embark on a road trip for the weekend, it's essential to check if your car insurance policy includes Oman extension and the necessary coverage that complies with the regulations of the country. Read this article to understand the prerequisites, and insurance requirements for a seamless drive to Oman.

Quick Read Section

  • Oman boasts a stunning blend of rugged mountains, desert dunes, and coastal highways, making it a popular destination for the holidays.
  • Before embarking on a road trip to Oman, ensure you have the mandatory 'Orange Card' for UAE vehicles, which can be obtained through your insurance broker.
  • Essential documentation includes a valid passport, visa, insurance policy, vehicle registration, and driver's license.
  • Selecting the right car insurance for your Oman trip involves assessing your travel needs, evaluating current coverage, and considering additional benefits like roadside assistance and emergency services.
  • Comprehensive coverage is recommended for added protection, covering damage to your car, theft, and medical expenses.



Requirements for your Road Trip to Oman

Here is a checklist of things to keep ready before your journey to Oman:

  • Get the Orange Card: Before you plan your journey, ensure you have the 'Orange Card’ which is mandatory for UAE vehicles crossing into Oman, offering coverage in line with the 2011 UAE Insurance Authority circular. Contact your insurance broker to obtain this card before you embark on your journey.
  • Valid Passport and Visa: A valid passport with six months validity is essential for your trip. Check the visa requirements, apply in advance, and remember to include your dependent family members, if applicable. UAE residents can get a visa on arrival for a 14-day stay in Oman or apply for an e-Visa for longer stays. Visa on arrival costs 5 OMR (AED 47), with an additional exit fee of AED 35 (rates are subject to change).
  • Documentation and Compliance: Before hitting the road, ensure you have all necessary documentation, including your insurance policy, vehicle registration, and a valid driver's license with you. Keeping a digital copy on your phone can be convenient in case of any unexpected situations. Familiarize yourself with the local traffic rules and regulations to avoid any surprises. Compliance with local laws not only ensures a hassle-free journey but also contributes to the safety of you and other road users. Due to legislation changes in Oman, rental cars are generally not allowed to cross the border. While some rental companies offer optional insurance for Oman travel, it's crucial to be aware of potential border rejections.
  • Plan Ahead for Peak Travel Times: Long weekends and holidays often mean increased traffic and potential risks on the road. Plan your trip during off-peak hours if possible and ensure your insurance coverage includes provisions for unexpected delays or emergencies.
  • Familiarize yourself with the border regulations: Be aware of the five key border crossings, including Al Darah, Dibba, Khatmat Milaha, Hatta Crossing/Al Wajajah, and Mezyad, if you’re planning to enter Oman by road. The subsequent steps are paying the exit fee at the UAE border, getting your visa stamped at the Oman border, and undergoing a brief car inspection.


Are there any mandatory insurance requirements in Oman?

Oman has specific requirements for car insurance, and it's crucial to comply with them to avoid any legal complications. Third-party liability insurance is mandatory, covering damages to third parties, including injury or property damage. Ensure your policy meets these basic requirements before embarking on your road trip.

While third-party insurance is mandatory, consider opting for comprehensive coverage to protect yourself and your vehicle. Comprehensive insurance goes beyond basic liability, covering damages to your car, theft, and even medical expenses. This added layer of protection ensures you're prepared for unexpected challenges during your journey.


Understanding Oman Extensions in Car Insurance

It is recommended for UAE residents to choose car insurance policies that include Oman extensions. This extension is designed to provide coverage when you venture into Oman. It goes beyond the borders of the UAE, offering a safety net for unexpected incidents such as accidents, breakdowns, or other emergencies.

As an integral part of GCC coverage, the Oman Extension can be seamlessly added to your UAE car insurance policy. This extension broadens the coverage scope to include Oman, allowing you to claim damages incurred to your car in this neighboring country.

You can include Oman Extension in your car insurance by paying an additional fee for the cover, or by purchasing it at the Oman-UAE border.


Does My UAE Car Insurance Apply in Oman?

While many UAE car insurance providers extend coverage to Oman, some policies only apply within the UAE borders. Confirm with your insurance broker if your policy includes Oman cover before planning a trip. If not, you'll need to purchase insurance at the UAE-Oman border.

Some UAE car insurance policies offer GCC extensions as well, broadening the scope of your coverage to include countries like Saudi Arabia, Bahrain, Kuwait, Qatar, and the United Arab Emirates.


Tips to Select the Right Car Insurance Cover for Your Oman Trip

In addition to the inclusion of Oman cover in your insurance policy, here are some additional factors you need to consider while investing in car insurance coverage:

  • Assess Your Travel Needs: Every road trip is unique, and so are your insurance needs. Evaluate the duration of your stay, the type of vehicle you're driving, and the regions you plan to explore. Tailor your insurance coverage accordingly, whether it's a short-term policy for a quick getaway or a more extensive plan for a longer exploration of Oman's diverse landscapes.
  • Evaluate Your Coverage: Before embarking on your Oman road trip, assess your current car insurance policy. Check if it meets the minimum requirements in Oman. If not, consider upgrading or purchasing additional coverage for the duration of your trip.
  • Get Comprehensive Cover with Roadside Assistance: A comprehensive car insurance policy for your Oman trip should also include roadside assistance and other benefits. Breakdowns can happen, especially in remote areas, so having access to 24/7 assistance provides an added layer of security. Check for additional perks such as coverage for rental cars, which can be beneficial in case your vehicle is temporarily out of commission.
  • Choose Insurance Brokers for Hassle-Free Solutions: To simplify the process, consider consulting with an insurance broker as they can help you navigate the complexities of cross-border insurance and find the best policies tailored to your needs.
  • Emergency Assistance Coverage: Opt for a policy that includes emergency assistance services. This can be invaluable in case of breakdowns, accidents, or medical emergencies during your road trip. Check if your insurance provider offers services like towing, roadside assistance, and medical evacuation.



Best Car Insurance Plans with Oman Coverage: Cost, Exclusions and More

These are the top car insurance companies in UAE that provide Oman cover:

1. Tokio Marine Insurance: Tokio Marine’s Car insurance policies include Oman coverage for own vehicle damage in their comprehensive covers such as Tokio Must, Tokio Smart Plus and Tokio Million. However, it's essential to note that Third Party Liability cover (Orange Card) is excluded, an additional coverage which must be acquired separately at the Oman border.

2. RSA Insurance (now Liva Insurance): RSA’s Car insurance policies include Oman Cover and is also authorized to issue an Orange Card (third-party cover) for customers. Oman extension is offered through their Motor Executive, Motor Smart and Motor Value Plans that cover own damage, third-party liability, fire and theft etc. GCC Extensions including Bahrain, Saudi Arabia, Kuwait and Qatar for own vehicle damage can also be purchased for single trips with a duration less than 60 days.

3. Sukoon Insurance (previously Oman Insurance): Sukoon Insurance’s Gold and Platinum car insurance plans include Oman and Qatar coverage. Loss or damage of own vehicle is included for both Oman and Qatar, however Third-party Liability cover can only be extended to Oman and needs to be purchased separately for Qatar.

4. Watania Takaful (previously Noor Takaful): Watania Takaful’s car insurance policies include Oman coverage only for own vehicle damage. Third-Party Liability Cover is to be purchased separately. The policies can be extended to include Bahrain, Saudi Arabia, Kuwait and Qatar as well.

5. Salama Insurance: Salama Insurance’s Auto Takaful policies include Oman Extension with own damage as well as third-party liability cover. The sum limit for own vehicle damage equates to the insured value of the vehicle and up to AED 2,000,000 for third-party liability.



Gearing up for your road trip to Oman involves more than just packing essentials—it requires securing the right car insurance. From the mandatory 'Orange Card' to comprehensive coverage with Oman extensions, thorough preparation is the key to a safe journey.

Assess your travel needs, evaluate existing coverage, and consider comprehensive plans with roadside assistance for added security. By understanding the unique aspects of Oman's road conditions, complying with mandatory insurance requirements, and selecting a comprehensive policy tailored to your travel needs, you'll be well-prepared to explore this captivating destination with peace of mind.

Contact us today for your car insurance needs!


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