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What is Car Insurance?
Motor insurance, also called car insurance informally, provide protection from financial and legal liabilities arising out of the use of the vehicle. Section 1 of the Motor policy covers loss or damages to the insured vehicle following an accident while Section 2 covers Third-Party legal liabilities. In the UAE, Third-Party legal liability is a mandatory requirement -it is possible to opt for Section 2 only. A comprehensive policy includes both Sections while a Third-Party Motor Policy will only include Section 2. When you purchase a Motor insurance policy, the insurance company will cover damage, theft of the vehicle, liability to third parties- property damage or injury, as per the terms and conditions of the policy you select.
Read on to learn more about car insurance in the UAE.
Click below to get car insurance quotes for Dubai, Abu Dhabi, Sharjah, and other UAE emirates.
Click below to buy car insurance online for Dubai, Abu Dhabi, Sharjah, and other UAE emirates. Clicking here will redirect you to GIG Insurance website.
Read on to learn more about car insurance in UAE.
Why Do You Need Car Insurance in UAE?
It is mandatory for all car owners and new car buyers in the UAE to purchase motor third-party legal liability insurance. This coverage protects against the legal liability to third-party and other financial obligations that may arise from unfortunate events or accidents. Most owners prefer buying a comprehensive motor insurance policy which provides wider coverage. The several benefits include:
Coverage against damage, theft, or loss: Apart from damage to the vehicle if your car is stolen or damaged in an accident or due to a natural disaster, your insurance policy will cover the damage. Please note that this coverage is only available under a Comprehensive Insurance Policy.
Coverage against third-party damage: An accident involving your vehicle may result in material or bodily damage to another party. In such cases, third-party car insurance can cover your legal liability to the affected party. Along with these essential coverages, you can also choose from a variety of add-ons for your car insurance to meet your specific needs, such as:
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Off-road Coverage
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Agency Repair
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Roadside Assistance
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GCC and Oman Extension
Documents Required to Buy & Renew UAE Car Insurance
The following documents are required to buy or renew car insurance in UAE.
1. Documents for buying new car insurance:
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Driver & owner identity: Individuals need to provide either Emirates ID, Driving License, passport & visa page
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Vehicle Details: Individuals need to provide a Vehicle Registration copy or Mulkiya that includes information about the vehicle registration number, engine number, chassis number, and other manufacturing details
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Vehicle Invoice: An invoice is required for buying car insurance for brand-new vehicles
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Company trade license: This is required if the vehicle is registered in the company name
2. Documents for renewing car insurance:
When renewing car insurance, you would also need to provide:
- No-claim Certificate
- Policy Number of your previous car insurance policy, if you had any
Learn the step-wise process to buy car insurance in UAE.
Why choose car insurance from Gargash Insurance?
Gargash Insurance has been a part of the UAE insurance industry for the past three decades. It is one of the first insurance intermediaries in the UAE to be certified by the Chartered Insurance Institute (CII) UK. With a large team of certified insurance experts, we assist customers throughout the entire process of purchasing car insurance and during claims and servicing.
Frequently Answered Questions
Is it necessary to have car insurance in UAE?
In the UAE, it is mandatory for all car owners to obtain motor third-party insurance coverage.
How can I renew my car insurance online?
You can renew your car insurance online by requesting a quote here. Alternatively, you can call us at 800-Gargash or visit our branches in Dubai, Abu Dhabi, or Sharjah. Our team of insurance experts will provide you with all the information and assist you through the renewal process.
What is a comprehensive car insurance plan?
Comprehensive Car Insurance or Full Car Insurance covers the insured for any loss or damage that may occur to the insured car arising out of accidents, theft, natural disasters, etc. This is in contrast to regular Third-party motor insurance, which covers legal liability to third parties for property damage, injury or death.
What is the complete tenure of car insurance in the UAE?
Typical car insurance policies in the UAE are issued for 13 months.
Can I get a comprehensive insurance policy for my old vehicle?
Yes, a comprehensive car insurance policy is available for vehicles up to a certain age. You must provide vehicle ownership details and proof of previous car insurance as a prerequisite.
What is a no-claims discount or no-claims bonus?
Practicing responsible driving is not only safe, but it is also rewarding. If you need not make a claim for a year on your car insurance, you can apply for no claims discounts on the premium of your car insurance renewal as a reward. The amount of this discount can vary between different insurance providers.
How does agency repair differ from non-agency repair?
For a policy with agency repairs, damages, and repairs will be carried out at an authorized garage affiliated with your car's brand dealership. On the other hand, repairs in a policy without 'agency repairs' will be carried out by third-party workshops or garages that your insurance agency approves.
While non-agency repair policies often offer lower premiums and quicker service, many people prefer the agency repair option because it is conducted by official dealers or importers of their car's brand, ensuring adherence to manufacturer standards.
Learn details of agency and non-agency repairs in car insurance in UAE.
What is the procedure to cancel the car insurance policy?
Based on your request assistance will be provided in canceling the active policy. Certain documents will be required to initiate the process of cancellation and refund (if applicable), and it may take a couple of weeks. Once cancellation is approved, keep the original car insurance policy papers handy; you will need them to buy a new policy or to claim a no-claims discount.
How much is the cost of car insurance in the UAE?
The cost of car insurance or premium depends on multiple factors, the key of these being, the type of car the insurance chosen, the insurance company, the make and model of the vehicle, registration year, and driving history. A safe driver with a good claims history can expect a lower premium.
What are GCC Specification Cars?
GCC specification cars are manufactured specifically to withstand the extreme weather and temperature of GCC nations (UAE, Bahrain, Kuwait, Oman, Qatar, and Saudi Arabia). When buying motor insurance online in Abu Dhabi, Dubai, or other UAE emirates, insurance providers give preference to GCC specification cars as they are certified to be driven in GCC weather conditions. Vehicles with non-GCC specs may be subject to higher premiums.
Can I get car insurance for Non-GCC cars in UAE?
Yes, you can get car insurance for Non-GCC cars in UAE. However, do note that not all online motor insurance providers in the UAE are open to covering Non-GCC cars; and those who do may charge a higher premium than a GCC equivalent.
Can I transfer my car insurance policy from one car to another?
It depends. If you are replacing your old vehicle with a new one, you need to inform your insurance broker or provider; whether you can transfer your existing car insurance to the new vehicle will depend on several factors, and the decision will be at the discretion of the car insurance provider.
