Understanding Exclusions Under Car Insurance in the UAE: What You Need to Know

Car Insurance Exclusions- Motor Insurance Brokers- Gargash Insurance UAE 02 Nov, 2023

Discover the key exclusions of car insurance in the UAE. Ensure you have a comprehensive understanding of policy limitations to make informed choices.

Car insurance is a vital aspect of vehicle ownership, providing financial protection against unforeseen events on the road. However, it is crucial to understand that car insurance policies in the United Arab Emirates (UAE) come with certain exclusions. These exclusions outline specific situations and circumstances where coverage may not apply. By being aware of these exclusions, you can make informed decisions about your car insurance coverage and take necessary precautions to safeguard your vehicle. This article outlines some common exclusions under car insurance in the UAE.

Quick Read Section

  • Car insurance is essential for financial protection on UAE roads, but policies come with exclusions detailing situations where coverage may not apply.
  • Common exclusions in comprehensive car insurance include off-road incidents, damages from negligent driving, accidents caused by unlicensed or underage drivers, mechanical failures, acts of terrorism or war, unauthorized vehicle modifications, deliberate accident losses, and false claims.
  • Third-party car insurance exclusions involve limitations on car replacement costs, damages to the insured vehicle, contractual liability, intentional damage, unlicensed drivers, owner's injury or death, and damages caused in a war.
  • It is crucial to drive responsibly, maintain vehicle documentation, and communicate any modifications to ensure coverage validity.


Common Exclusions Under Car Insurance in UAE

  • Off-road coverage:

Car insurance policies in the UAE typically exclude coverage for accidents that occur off-road. This means that if you frequently engage in off-road activities or drive in areas not designated for regular vehicles, any damage or accidents that occur may not be covered by your insurance policy. The insurance company may also require proof of an off-road license to provide this coverage. It is important to clarify the scope of coverage with your insurance broker and consider additional coverage options if you plan on driving off-road.

  • Negligent or Reckless Driving:

Most car insurance policies have exclusions for accidents caused by negligent or reckless driving. If you are found to be at fault for an accident due to driving under the influence of alcohol or drugs, exceeding the speed limit, or engaging in illegal street racing, your insurance provider may deny coverage. It is essential to drive responsibly and abide by traffic laws to ensure your insurance coverage remains valid.

  • Unlicensed or Underage Drivers:

Car insurance policies typically exclude coverage for accidents caused by unlicensed or underage drivers. If an accident occurs while someone without a valid driver's license or someone below the legal driving age is operating your vehicle, your insurance provider may not provide coverage. Always ensure that authorized and licensed individuals drive your car to maintain coverage validity.

  • Mechanical Failures and Regular Wear and Tear:

Car insurance generally does not cover damages resulting from mechanical failures or regular wear and tear. This includes engine breakdowns, mechanical malfunctions, or damage caused by lack of maintenance. It is important to regularly service your vehicle and address any mechanical issues promptly to minimize the risk of such exclusions affecting your coverage.

  • Acts of Terrorism or War:

While car insurance policies cover most accidents and damage, they usually exclude coverage for acts of terrorism or war. If your vehicle sustains damage as a result of these events, you may not be eligible for compensation. It is advisable to inquire with your insurance broker about any additional coverage options available to protect against such risks.

  • Unauthorized Vehicle Modifications:

Car insurance policies often exclude coverage for damages resulting from unauthorized vehicle modifications. If you make modifications to your vehicle without informing your insurance broker or obtaining their approval, any subsequent damages may not be covered. It is essential to communicate any modifications to your insurer and ensure they are properly documented to avoid potential exclusions.

  • Deliberate accident loss:

Loss or damage caused intentionally or through planned accidents will generally not be covered under comprehensive car insurance.

  • False claims at the time of purchase:

If the insurance company discovers that the information provided during the purchase of the policy is false or misrepresented, your claim may be rejected.

  • Damages due to illegal acts:

If damage occurs while engaging in illegal activities, coverage may be excluded. Driving on or off-road in a competitive setting may result in exclusions from car insurance coverage.

  • Death or injury of the owner in an accident:

Third-party car insurance typically excludes coverage for injury or death of the vehicle owner in an accident. Personal accident cover which is optional may be required for such coverage.



Understanding the exclusions under car insurance in the UAE is crucial for every vehicle owner. By familiarizing yourself with these exclusions, you can make informed decisions about your insurance coverage and take necessary precautions to protect your vehicle. Remember to review your policy carefully, communicate with your insurance broker, and consider additional coverage options, when needed. By doing so, you can ensure that your car insurance provides the necessary financial protection in the event of an accident or unforeseen circumstances on the road.

When it comes to fulfilling your car insurance needs in the UAE, Gargash Insurance has stood out as a reliable and trusted choice for over three decades. With a reputation built on excellence and customer satisfaction, Gargash Insurance offers a range of benefits and coverage options tailored to meet individual requirements and budgets, ensuring that you receive the protection you need. By choosing Gargash Insurance, you can have peace of mind knowing that your car insurance needs are in trustworthy hands.

Contact us today for your car insurance needs!


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