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.

Need more help?

CONTINUE WITH THIRD PARTY LIABILITY

THE BEST WAY TO GET THE

PERFECT CAR INSURANCE, EVERYTIME!

Over 50,000 customers trust us for their car insurance.

 

Comprehensive Coverage

Total Protection for your Vehicle and Peace of Mind

- Covers accidental damage,theft,fire,natural disasters & calamities (sandstorms, floods)
- High Third-Party liability limits up to AED 5 million

Customized all-ons

tailor your insurance to fit your needs

- Personal accident covers for driver & passengers
- Agency repairs for up to 5 years for quality service
- Off-road coverage for desert driving

financial security

protect your wallet in every scenario

- No claims discount rewards safe driving
- Emergency medical expenses coverage

value-added services

extra benefits to keep you moving

- 24/7 roadside assistance and emergency breakdown recovery
- Rent-a-car facility during vehicle accidental repairs
- GCC territory extension

transparent & hassle-free

clear policies and seamless support

- No hidden clauses or confusing fine print
- Instant online quotes and easy policy issuance
- Expert claims assistance whenever you need it

DRIVE WITH CONFIDENCE, PAY LESS!

GET COVERED FROM JUST AED 4/DAY

Affordable car insurance that keeps you safe on every journey. Simple, secure, and stress-free!

 

 

Key features

  • Personal Injury Coverage

    Accidents 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

  • Third-party liability coverage

    Get coverage up to AED 5 million*, protecting you from costly claims due to accidental bodily injury or property damages caused to others

  • 24/7 Accident & Breakdown Recovery

    Get reliable roadside assistance, to help you get back on the road quickly in case of an accident or vehicle breakdown

  • Protection for Personal Items

    Safeguard 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

  • Emergency Medical Expenses

    In the event of an accident, get coverage for emergency medical expenses, providing the driver and passengers with the care they need

  • Rent a car facility

    We have your back if your vehicle is under repairs. Get the best options for your replacement car with our partners

  • 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

  • No- Claims Discount

    Get Rewarded for being a responsible driver, with No claims discount* every time you buy from us

  • Off Road Cover

    Discover the adventurer in you and tackle the sand dune trails with confidence, knowing your vehicle is protected with off-road cover

  • Territory extension to GCC countries

    Drive with confidence across the GCC countries. We've got you covered, wherever your adventures take you

  • Comprehensive Vehicle Protection

    Protect your vehicle against a wide range of risks, including windscreen damage, & lock replacement, engine damages, etc minimizing the financial burden of repairs

  • Emergency Repair Coverage

    We'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

  • 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

get insurance in 3 easy steps

  • Complete the form
    (it just takes few minutes)

  • We will email you the best Quotes and Options for your car insurance

  • Post quote selection,payment & review, get your car insurance policy instantly

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What you need to know about Car Insurance Policies?

1. What are the types of Car Insurance policies in the UAE?

There are 2 types of Car Insurance policies in the UAE:

  • Third Party Liability - The third-party liability cover is a policy which protects the car owner or driver of the vehicle against any legal liability, accidental liability, financial loss or property damage, medical expense cover in the event of an injury to or even death of any third party arising out of their vehicle.
  • Comprehensive coverage – A comprehensive car insurance is an extensive motor insurance plan that covers the insured against both, own damages, and third-party liability. Own damage like accidental damage, fire, and theft.
2. What type of car insurance policy has the maximum benefit?

Comprehensive car insurance cover is the better option, as it covers own damage and Third-party liability.

3. What are the factors affecting Car Insurance Premiums in the UAE?

Factors that affect the cost of car insurance in UAE are:

  1. Value of your vehicle
  2. Driving history
  3. Age of the driver
  4. Claims history

Please fill out the form above and our car insurance experts will get in touch with you shortly.

4. What are the documents required to purchase or renew your car insurance policy?

Documents required to obtain car insurance for a Brand-New or a pre-owned car

  • Copy of vehicle registration/mulkiya (if the vehicle being purchased from an individual)
  • Showroom invoice (brand new/pre-owned)
  • Vehicle clearance certificate (VCC copy – for brand new vehicles)
  • Valid driving license issued in UAE/GCC.
  • Home country license (if available)
  • Emirates ID

Renewing your existing car insurance policy

  • Copy of vehicle registration card/mulkiya
  • Valid driving license issued in UAE/GCC.
  • Home country driving license (if available)
  • Emirates ID
  • If the current insurance is expired, insurer might request for survey of the vehicle or pictures of all sides of vehicle, and a passing certificate form RTA.

* If you choose to renew with your existing insurer, you can submit all the detailed documents online and we will proceed with the renewal of your car insurance policy.

5. What to do after a car accident in the UAE?

In the unfortunate event of an accident, please follow the below instructions:

  • Try moving your car to a safe place, if possible
  • Turn the hazard lights on
  • Dial 999 and inform the police or if the damages are minor, you can report the accident via the Dubai Police app.
  • You will receive the accident report from police which needs to be submitted to the Agency/garage for repairs.

*Note: It is illegal to carry out repairs without reporting the accident to the police. Also, insurance companies do not repair vehicles without the mandatory police report.

  • Notify your Car Insurance provider about the accident and submit the police report, registration card and driving license of the driver at the time of accident.
  • If the vehicle is not in moving condition, you can call the breakdown assistance service to move your vehicle to the nearest garage.
6. How to register a claim?

Please notify your claim by calling us 800 Gargash (Ext 402) or by sending an email to claims@gargashinsurance.com along with the required documents. Our claims team is available from Monday to Friday from 8 AM to 5:30 PM.

DOCUMENTS REQUIRED

  • Copy of the police report (pdf)
  • Copy of the vehicle registration/mulkiya
  • Copy of the driving license
  • Copy of the Emirates ID

Once submitted, our dedicated claims team will work with the insurance company and update you on the next steps

7. In case I sell my vehicle, can my policy be transferred to the new buyer?

Car insurance is not transferable; hence the car buyer will have to take a new car insurance under his name. Our car insurance experts will help you get a competitive quote and arrange refund on existing insurance, if applicable.

8. Do I get coverage for any damage caused off road?

Yes, if your vehicle is with a 4x4 capability and the coverage is included in the policy.

*subject to policy terms which vary depending on the insurance company.

9. What are the eligibility criteria for purchasing car insurance in UAE?

You are eligible to purchase a car insurance in UAE if you are a resident of UAE, above 18 years of age, and possess a valid UAE Driving license

10. What if I fail to renew my car insurance on the due date?

If the current policy has expired, insurance will not be covered, and claims will be subsequently declined.

11. What is excess (deductible)?

Excess is an amount that the customer will have to pay under comprehensive policy towards the repair of his vehicle in case of non-recoverable own damage claims.

12. Can I upgrade to comprehensive car insurance if my car is currently third-party insured?

Yes, you can as long as the vehicle model year is not too old.

Our car insurance experts can help you on this request. Please fill the above, and our experts will contact you shortly.

13. If I sold my car, can I cancel my car insurance policy and request for a refund?

Refunds on car insurance policies are subject to no claims. If there are claims reported, you will not be eligible for a refund.

Also, if the insurance policy is active for more than 8 months, there will not be any refund.

14. What policy upgrades or additional cover options can I add on to my policy?

Additional optional covers such as temporary rent-a-car facility, personal accident benefit to driver and passengers, territory extension to Oman or GCC countries and breakdown assistance, etc. can be added to your car insurance policy.

15. What is the difference between Agency & Non-Agency repairs?
  • Agency repairs : An insurance policy with 'agency repairs' guarantees that the insurance company will have your car repaired with the authorized dealer’s workshop.
  • Non-Agency repairs : An insurance policy with ‘non-agency repairs’ will have your car repaired with the insurer’s approved workshop or garage.
16. What is a No Claims Discount (NCD)?
  • No claims discount is reduction in premium in the form of discount from insurers based on your no claims history.
  • Insurers might request for no claims certificate from the previous insurer to provide this discount.
  • No claims discounts are not applicable on minimum premiums.
17. How many years can I get agency repairs for my car?
  • You can get agency repairs for 2 years from the date of its first registration, it is extendable for up to 5 years provided no claims are reported.
  • Agency repairs beyond 2 years will attract additional premium loadings.
18. What type of Roadside Assistance services will I get in case of a car breakdown?
  • The type of roadside assistance services you will receive in case of car breakdown include towing assistance and off-road vehicle retrieval.
19. If I opt for rent-a-car cover, will I be given the same vehicle that I drive?

Since rent-a-car is a temporary benefit, insurers will provide a standard saloon/sedan car in the range of 1.6 to 1.8 litres. This service differs from insurer to insurer. You can speak to our car insurance experts, and they will be able to guide you to select the most suitable cover.