Vehicle Insurance
From the legally required third-party policy to full comprehensive cover, we help you insure every vehicle on the road with the right level of protection.
Every vehicle in the UAE needs valid insurance to be registered or renewed. The question is how much protection you want beyond the minimum.
Third-party liability cover is the legal minimum. It pays for injury to other people and damage to their property, but nothing for your own vehicle. Comprehensive cover adds protection for your car against accidents, fire, theft, and natural events.
For newer cars, financed vehicles, and anyone who relies on their car every day, comprehensive cover is usually the sensible choice. Lenders normally require it for the length of a car loan.
Third-party or comprehensive?
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Injury to other people | Covered | Covered |
| Damage to other vehicles and property | Covered | Covered |
| Damage to your own vehicle in an accident | Not covered | Covered, subject to the excess |
| Theft of your vehicle | Not covered | Covered |
| Fire, flood, and storm damage | Not covered | Covered |
| Repairs at the dealer (agency repair) | Not applicable | Available, usually for newer vehicles |
| Off-road and Oman extension | Not included | Available as an add-on |
Benefits vary between insurers. Your policy schedule confirms exactly what applies to your vehicle.
Tailor your policy with extras.
Roadside assistance
Towing, battery boost, fuel delivery, and flat-tyre help when your car breaks down.
Replacement car
A hire car while yours is being repaired after an insured accident.
Oman cover
Extends your policy for trips by road into the Sultanate of Oman.
Personal accident
Benefits for the driver and passengers in case of death or injury.
Agency repair
Repairs carried out at the manufacturer's authorised dealer.
Fleet policies
One policy and one renewal date for every company vehicle.
What to do at the scene and afterwards.
Following these steps keeps you safe and makes your claim straightforward.
At the scene
- Make sure everyone is safe and call 999 if anyone is hurt
- Move the vehicles out of traffic if it is safe to do so
- Report the accident to the police or through the official app
- Photograph the vehicles, number plates, and the location
Within a few days
- Obtain the police report for the accident
- Notify your insurer and register the claim
- Keep copies of your licence and vehicle registration
- Do not authorise repairs before the insurer's approval
During the claim
- Take the vehicle for inspection when asked
- Agree the repair garage with your insurer
- Pay any excess due under the policy
- Collect the repaired vehicle and keep the invoice
What is an excess?
The first part of any own-damage claim that you pay yourself. Choosing a higher excess usually lowers your premium.
Does my policy cover other drivers?
Most policies cover anyone driving with your permission who holds a valid licence, but some apply age or experience restrictions. Check the driver conditions in your schedule.
What affects my premium?
The vehicle's value, make, and age, the driver's age and claims history, how the car is used, and the level of cover and excess you choose.
What is a no-claims discount?
A reduction in premium for each year you hold cover without making a claim. Bring proof of your claims history from your previous insurer.
Can I insure a company fleet?
Yes. A fleet policy covers all company vehicles under one contract, with vehicles added or removed as your fleet changes.
Need protection for your future?
Global coverage, trusted assurance. Our advisors are available Mon – Sun 9:00 AM – 6:00 PM.