

Elevate Your Car Coverage to the Next Level!
Congratulations on taking the first step towards securing your car!
Now, imagine having even greater peace of mind with our Comprehensive Car Insurance plan.
Enjoy enhanced coverage, wider scope, and ultimate protection for your car.
Key features
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Personal Injury CoverageAccidents can be stressful. Our personal injury coverage safeguards you and your loved ones with up to AED 200,000* in case of injuries, minimizing financial stress during a difficult time
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Third-party liability coverageGet coverage up to AED 5 million*, protecting you from costly claims due to accidental bodily injury or property damages caused to others
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24/7 Accident & Breakdown RecoveryGet reliable roadside assistance, to help you get back on the road quickly in case of an accident or vehicle breakdown
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Protection for Personal ItemsSafeguard your belongings against loss or damages due to natural perils like rains, floods, storms or events like strikes, riots, or civil unrest, giving you added security
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Emergency Medical ExpensesIn the event of an accident, get coverage for emergency medical expenses, providing the driver and passengers with the care they need
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Rent a car facilityWe have your back if your vehicle is under repairs. Get the best options for your replacement car with our partners
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Agency repair upto 5 years*Don’t lose peace of mind if you damage your vehicle. Get upto 5 years* agency repairs and drive your car with utmost confidence
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No- Claims DiscountGet Rewarded for being a responsible driver, with No claims discount* every time you buy from us
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Off Road CoverDiscover the adventurer in you and tackle the sand dune trails with confidence, knowing your vehicle is protected with off-road cover
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Territory extension to GCC countriesDrive with confidence across the GCC countries. We've got you covered, wherever your adventures take you
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Comprehensive Vehicle ProtectionProtect your vehicle against a wide range of risks, including windscreen damage, & lock replacement, engine damages, etc minimizing the financial burden of repairs
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Emergency Repair CoverageWe'll cover the cost of emergency repairs* to get your car fixed quickly & conveniently, minimizing disruptions to your day
*Subject to T&Cs of policy chosen
Hear What Our Customers Say About Us
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I recently had the opportunity to engage with Gargash Insurance, and I must say, the experience was smooth and highly professional. From the moment I reached out, the team was responsive, well-informed, and efficient in handling my request. A special thanks to Smitha, who provided prompt assistance in issuing the policy certificate. Her clear communication and attention to detail made the process hassle-free.
Grigore Varanita -
I had an excellent experience coordinating with Edarlyn Zoy Daayata from the Customer Service team at Gargash Insurance. She was very accommodating and provided clear, helpful information to clarify the details of the insurance package.
Julieta encarnacion -
The communication and dealing the insurance renewal with Mohammad Alfaz Shek was smooth and efficient. I renew car insurance only through email, everything done within few hours. The price given also cheaper than other companies. Recommended.
Saracon Rahmat -
I renewed my vehicle insurance policy with Gargash Insurance. I was assisted by their Senior Customer Service Officer Ms.Sreedevi Sasikumar. Ms.Sreedevi is a thorough professional. She knows her craft extremely well, and I have previously had the opportunity to renew our vehicle insurance policy through her. My experience of dealing with Ms.Sreedevi has been fantastic, she makes the entire renewal process so easy and quick. She is extremely customer-focused and all her replies are very quick. I strongly believe she is an asset to Gargash Insurance, and I would strongly suggest asking for Ms.Sreedevi to handle your queries. T Thank you Ms.Sreedevi for the excellent service!
Vijay Goenka -
I recently renewed the premium of my personal vehicle through Gargash Insurance Services LLC and I must say Ms. Renitta D'Souza (Assistant Vice President - Motor Retail) did an excellent job. She is officially certified (CERT CII), knows her job, her business inside-out (has great connections with all insurance companies and so highly confident), and she managed to get me a fabulous quote for the insurance premium in an instant. There was no way I could refuse because the quotation provided by her was indeed the best that I could get in the market, better than other brokers and in fact it matched the quotation that I had received from the insurance company myself. On top of that, she included free vouchers that added value and delight. I could not help but immediately approve and she issued the policy within a couple of hours and the insurance was also uploaded into the RTA's system in no time (almost immediately), much before I even reached the RTA. Ms. Renitta D'Souza is a go-to-person and very approachable in case anyone would like to insure their vehicle. I wish her all success. May everyone seek her out for their vehicle insurance, for she is highly dedicated, extremely sincere and unflaggingly hardworking. A person like her should be blessed with customers and we must help her grow in her field and career, for she is a rare breed doing justice to customers, her company, her business partners and lastly her own kind self.
Tanveer Kapoor -
I thought price is higher than in the market, but after comparing T&C with other offers from other insurance companies I realize that provided quotation much better: vehicle value, full insurance, coverage amount for different situations, etc. Big thanks to Ms. Sherehan Alzinati for her kind support, explanation and quick response!
Diyor Kalikulov -
Thank you for the excellent service and smooth handling of my insurance process. I truly appreciate your professionalism and prompt assistance. I am grateful for your support and look forward to continuing this positive relationship in the future . Thanks ( Nitesh Ashok More )
sheema sh -
I was services by Syed Naqvi - the process went fast and smooth and he even answered my questions over the weekend. It’s truly a premium product and service for those who value quality and their time. Thank you.
Sergii Chernomaz -
I had a quick and amazing experience with my car insurance. Preetham provided me with a very competitive quote and the service was quicker than expected!
saif arif
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What you need to know about Car Insurance Policies?
Generally, Chinese cars are more expensive to insure than similarly priced Japanese or Korean cars. Premiums average around 4.5% of the car’s value, mainly due to limited spare parts availability and less historical reliability data.
Third-party insurance for Chinese sedans typically starts at around AED 800 per year.
Comprehensive plans for Chinese SUVs usually range starting from AED 2,500 depending on the model and insurer.
Premiums are higher due to:
- Limited spare parts availability
- Advanced tech-heavy components
- Limited historical repair and reliability data
Higher post-flood claims and repair costs
Yes, EVs generally have higher premiums, and Chinese EVs like BYD may see even greater variations due to expensive battery repairs and limited parts availability.
*subject to policy terms which vary depending on the supply chain strength.
Key factors include:
- Car value
- Driver’s profile
- Driving experience
- Emirate of Registration
- Claim history
- Coverage type
Top-selling brands include GAC, JAC, MG, Geely, Haval, Jetour, Changan, Great Wall Motors, and BYD. These brands offer strong value, modern tech, and competitive pricing.
Yes, experts expect premiums to gradually decrease as Chinese brands expand service networks, improve parts availability, and build more reliability data in the UAE.
Buying GCC spec Chinese vehicles:
- Importing is lower, additional cost higher
- Insurance premium higher for Non-GCC
- Longer Warranty
- Loss in agency repair











