Insurance matters! Come what may, you need insurance for everything to survive the high-risk-infested lifestyle. In this post, we are discussing car insurance in Dubai, UAE. Irrespective of your vehicle type, UAE laws make it mandatory to have motor insurance. But why? Are you kidding me? Don’t tell me you are unaware of it. It is for your financial safety and others involved in an accident.
Statistics reveal Dubai has considerable accident cases every year. Critical damages dig deep into your wallet. You need a comprehensive automotive insurance plan that covers your and a third party’s vehicle damage repair cost.
Whether you are a car or fleet owner, the government clearly states that you must have an insurance policy with substantial coverage. You cannot hit the roads straight away after buying a vehicle. It is a legal obligation to have car insurance in the UAE. Without a policy, your vehicle is a mechanical artifact and showpiece in the garage. Therefore, choose a coverage or plan that best suits your needs.
ALSO READ: Best AI Auto Subtitle Generators to Use in 2025
Dedicated insurance aggregator platforms list top service providers and companies under one roof. You get no-obligation quotes from popular car insurance companies. There are plenty of choices. Weigh the pros and cons before selecting the best-fit car insurance company in Dubai to cover your needs. Let us get a sneak peek, learning more about the top insurance service providers and their offerings. Here we go!
1. Sukoon Insurance
This company ranks among the top automotive insurance service providers in the UAE. Sukoon is synonymous with car insurance in Dubai, Abu Dhabi, and Sharjah. It has been serving customers for over 50 years. Their handcrafted insurance products are for sedan, SUV, coupe, cab, limousine, and luxury car owners. Moreover, Sukoon has partnered with AC Cars to provide precision car diagnostics and repairs in their state-of-the-art UAE garages. Their key offerings are Comprehensive Car Insurance, Third-Party Car Insurance, and Privilege Motor Insurance.
Comprehensive Plan: As the name suggests, this policy offers total coverage. It covers your and the third party’s vehicle, property, and life. The benefits of this plan include coverage for damages or loss due to a faulty or non-faulty accident, fire, theft, vandalism, and natural catastrophe. Standard coverages are as follows:
- TPL bodily injury as formulated by the UAE courts.
- TPL property damage of up to AED 35, 00,000.
- Loss of Use allowance as per the Terms & Conditions in the policy.
- Covers ambulance charges of up to AED 6770.
- Coverage for vehicle loss or damage up to the sum insured.
- Add-ons include off-road cover, emergency medical bills, personal injury to the insured and spouse, natural disaster (flood, storm, and riot) cover, windscreen damage, loss of personal belongings, lock replacement costs, valet parking theft, roadside assistance, etc.
Third-Party Plan: Third-party car insurance covers damages caused to the unknown person’s vehicle, property, or bodily injury sustained in an accident or fire. It does not cover personal injuries, loss, or damage to the insured party and the co-passengers. As a standard, this plan only covers death, damage, and injuries caused to others. Standard coverage is as follows:
- Third-party bodily injury as formulated by the UAE courts.
- Third-party property damage of up to AED 35, 00,000.
- Loss of Use allowance as per the Terms & Conditions in the policy.
- Ambulance charges of up to AED 6770.
- Optional coverage includes personal accident benefits for drivers of up to AED 200,000, personal accident benefits for passengers of up to AED 200,000, and roadside assistance as per the TPL Plan.
ALSO READ: Horrors of Holocaust – The Doomed Train to Auschwitz
Privilege Motor Plan: Sukoon serves more than 4000 elite clients with this premium Dubai car insurance plan. This policy is tailored exclusively for high-value customers who own luxury cars, limousines, and fleets. It is a notch higher than your regular insurance package. This plan benefits Lamborghini, Ferrari, Bugatti, Rolls Royce, Bentley, Maserati, and Aston Martin car owners. Members of this Privilege Club receive priority service. Standard coverage is as follows:
- Unlimited agency repairs.
- Third-party property damage of up to AED 5,000,000.
- Bodily injury as formulated by the UAE courts.
- Coverage for vehicle loss or damage up to the sum insured.
- Ambulance charges of up to AED 6770.
- Loss of Use allowance AT AED 300 per day.
- Add-ons include courtesy car cover of AED 10,000, off-road cover for 4X4, personal accident cover for driver and co-passengers, roadside assistance, geographical expansion (Oman), emergency medical expenses, and more.
2. Dubai National Insurance
Dubai National Insurance commenced operations in 1991. DNI was among the few companies listed first in the Dubai Financial Market (DFM). This company has the backing of premier international reinsurers like Munich Re, Swiss Re, and SCOR, providing insurance products to individuals and organizations. DNI offers motor, medical, travel, home, property, general accident, and liability insurance. Let us learn more about their personal and commercial motor insurance.
Personal Motor Insurance: This policy protects against monetary losses by covering your financial costs due to damages to your vehicle, third party’s property, or bodily injury. It can be tweaked to suit your needs. For example, in a third-party policy, you are covered for the cost of the third party’s vehicle damage, property damage, bodily injury, or death. The standard benefits of this policy are as follows:
- Third-party Property Damage
- Personal Accident Benefits
- Legal Liability to Third Parties
- Emergency Medical Expenses
- Ambulance Cover
- Off-Road Assistance
- Windscreen Cover
- Benefit to Driver and Passenger
Motor Fleet Insurance: This policy is ideal for fleet owners with pick-up vans, trucks, and buses. Owners who have more than six vehicles are eligible under this fleet policy. You can choose a Comprehensive Plan, Third-Party Policy, or a mix of both. You get emergency medical expenses of up to AED 1000 in comprehensive coverage. The accident benefit covers drivers, passengers, and third party’s vehicle/property damage, injury, or death.
3. Salama Islamic Arab Insurance Company
Salama is considered one of the best Takaful solutions brands in the UAE. It has been in this industry for over 45 years, serving more than 450k customers. It provides an extensive range of tailor-made insurance products and solutions. Motor insurance in Dubai is its forte, meeting the dynamic requirements of vehicle and fleet owners. Let us explore its comprehensive auto insurance plans that cover the owner, driver, and third party.
Comprehensive Pan: Salama’s comprehensive auto insurance in Dubai covers car loss or damage to the owner. It is an addition to the personal accident cover liability to the owner, driver, and third party. Below are a few salient features.
- Quick and quality repairs through a network of A-grade car repair workshops and garages.
- A by-default personal accident cover for the driver and passenger.
- Cashless off-road assistance.
- Free towing and vehicle recovery from the accident spot to the garage.
- Free battery overhaul service.
- Car registration in the UAE.
Third-Party Liability Plan: Third-party car insurance is mandatory in the UAE. Salama’s third-party liability covers damages caused by the insured vehicle to other persons and property. The plan also covers the bodily injury and death of a third party in the event of a faulty or non-faulty accident. The plan is customized to suit the driver or car owner, especially when the vehicle is the cause or reason for the damages to life, property, and other vehicles.
4. GIG Gulf
GIG Gulf ranks among the top car insurance companies in Dubai, UAE. It is licensed and accredited by the UAE Insurance Authority. It is an A-rated insurer operating across the Emirates. GIG has been in the regional insurance industry for over 70 years, offering diverse products and services. They specialize in automotive insurance and have an excellent track record of handling claims. Whether comprehensive or third-party car insurance, GIG helps choose the best coverage that shields against loss of damage to the vehicle, property, and life. Let’s get a clear insight into their plans and offerings.
Motor Prestige Plan: This comprehensive insurance plan covers a vehicle owner with multiple benefits. The key features are as follows:
- Total vehicle protection that shields against damage or loss.
- TPL (third-party liability) covers bodily injury, vehicle, and property damage of up to AED 50, 00,000.
- Coverage against fire damage, flood, storm, riot, arson, vandalism, and vehicle theft.
- Personal injury cover of up to AED 20k.
- Emergency medical assistance of up to AED 6k.
- The plan covers the loss of personal belongings from a vehicle of up to AED 4k.
- Off-road vehicle assistance and geographical coverage to nations like Oman.
- Agency repairs for up to 5 years.
- Windscreen damage cover and GCC coverage.
Motor Perfect Plan: This plan is an optimal balance between premium and affordable. Below are the salient features.
- Vehicle Damage Protection covers accident damage and loss due to theft.
- A TPL coverage that covers the cost of bodily injury treatment and property damage of others of up to AED 35, 00,000.
- A wide range of coverage, from natural disasters to vehicle theft.
- Coverage for injuries and medical emergencies of up to AED 20k and AED 3.5k, respectively.
- Coverage for loss of personal assets and belongings for up to AED 4000.
- Coverage in nations like Oman and off-road assistance.
- Agency repairs for up to 5 years.
- Total loss protection and pick-up & drop services.
Motor Third-Party Plan
- It covers bodily injury and third-party property damage of up to AED 35, 00,000.
- An optional coverage that protects you while driving in Oman.
- Accident recovery with 24-hour roadside assistance.
- Driver protection with personal accident benefits of up to AED 200,000 for drivers and AED 200,000 for passengers.
5. Al Sagr Insurance
Al Sagr Insurance was established in 1979 as a multi-product insurance company in Dubai, UAE. It offers individual and corporate plans tailored for diverse client needs. You can expect swift, hassle-free, and efficient claim submission, processing, and settlement within hours. Thanks to its award-winning claims department, which makes it possible. Al Sagr boasts a dedicated Motor Claims Department that helps customers with seamless claim services. The curated motor insurance products, plans, and policies protect you, your family, and others (third party) through comprehensive coverage. Let us learn more.
TPL & Comprehensive Insurance (Individual Policy)
- Agency repair of up to 3 years from the date of vehicle registration at an authorized dealer in the UAE.
- Outside agency repair of up to 10 years from the date of vehicle registration.
- Loss or damage to items and properties of up to AED 20, 00,000.
- Unlimited cover for bodily injury to the insured and third party.
- Pan-UAE ambulance service of up to AED 6770 per person.
- Personal accident coverage of up to AED 200,000.
- No claims discount policy provided your vehicle or car is claim-free for 1 year.
- With Al Sagr, insurance service in the UAE is available 365 days a year.
- Accident-site vehicle towing service in the UAE.
- Coverage for mechanical breakdowns or technical glitches and towing service.
- Coverage for flat tire servicing cost.
- Coverage for on-road emergency fuel delivery cost.
Al Sagr Optional Motor Insurance Benefits
- Driver and passenger cover in accidents or natural disasters.
- Windscreen damage cover of up to AED 2000.
- Coverage for protection against theft, loss, fire, and collision damage of up to AED 2000.
- Emergency medical expenses of up to AED 2000.
- Natural disaster cover.
- Motor insurance coverage in the Sultanate of Oman at an affordable fee.
- When you travel from one Arab country to another, you can benefit by adding the Orange Card to your insurance policy.
Motor Fleet Insurance (Corporate Policy)
Al Sagr offers a ‘single policy benefit’ for fleet owners in the UAE. It covers all vehicles (cars, SUVs, trucks, and buses) under one policy. The policy offers coverage for loss, damage, and third-party liabilities with a bouquet of benefits. The features of this comprehensive fleet insurance policy are more or less the same vis-a-vis its Individual Plan.
Key Takeaways
Motor insurance in the UAE serves the diverse needs of customers who own a vehicle. It is not a cumbersome obligation but an extensive protection against financial loss. Car insurance is a savior when calamity strikes. It offers a foolproof solution and mitigates your monetary losses. I have tried compiling the best car insurance companies in Dubai in 2025 to help you choose a brand and its products that serve your requirements. I hope this blog post adds value and meaning to your precious life.
