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.
GET EV CAR INSURANCE
WHAT YOU NEED TO KNOW
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 yearsDon’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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Expert Repairs at Specialized GaragesSpecialized garages staffed by experienced professionals who know your vehicle inside out. From advanced diagnostics to precision repairs, your vehicle is handled by true experts, not generalists.
*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 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 EV Car Insurance Policies?
Yes, EV car insurance is available for non-GCC vehicles in the UAE, provided the vehicle meets registration requirements and local safety standards.
Insurers typically consider the following:
- UAE registration eligibility
- Battery specifications and safety standards
- Availability of spare parts
- Approved repair network support
Premiums for non-GCC EVs may be higher due to limited parts availability and increased repair complexity.
EV insurance claims are generally more expensive due to the high cost of advanced technology and battery systems.
Electric vehicles contain:
- High-voltage lithium-ion batteries
- Advanced sensors and ADAS systems
- Specialized electronic control units
- Expensive aluminum body structures
Even minor accidents can require detailed diagnostic testing or battery safety inspections, increasing repair costs compared to traditional petrol or diesel cars.
Some common risks for EVs in the UAE include:
- Battery damage after collision
- Extreme heat is impacting battery efficiency
- Charging-related electrical faults
- High replacement cost of imported parts
- Water damage during heavy rainfall
Since the battery is the most valuable component, any damage to it significantly increases claim costs.
EV insurance premiums are calculated based on:
- Vehicle make and model.
- Battery replacement cost
- Market value of the vehicle
- Repair complexity
- Driver age and experience
- Claim history
- Type of coverage selected
High-end or luxury EV models typically attract higher premiums due to the cost of expensive parts and specialized repairs.
The most expensive components in an EV claim usually include:
- High-voltage battery pack
- Electric motor and inverter
- ADAS sensors, cameras, and radar systems
- Electronic control modules
In many cases, battery damage may require full replacement rather than partial repair, significantly increasing claim costs.
Some of the most popular electric vehicle brands in the UAE include:
- Tesla
- BYD
- BMW (i-series EV models)
- Mercedes-Benz (EQ models)
- Nissan (Leaf)
- Hyundai (IONIQ)
The EV market in the UAE is growing rapidly due to government sustainability initiatives and increasing charging infrastructure.
EV insurance premiums may stabilize or decrease as:
- Repair networks expand
- Spare parts become more available.
- Battery technology improves
- More trained EV technicians enter the market.
- Claims data becomes more predictable.
With more EVs in the UAE, insurers are likely to offer more competitive and customized pricing models.
Yes, the UAE is building its own EV industry. The M Glory D1 is the country’s first locally produced EV. W Motors in Dubai focuses on high-performance luxury electric cars. Initiatives like Damani support local EV manufacturing.