Yes, the type, model, and condition of the vehicle significantly affect the car insurance
premium in UAE. Factors include:

Vehicle Type:

Luxury and High-Performance Vehicles : These vehicles typically have higher premiums due to their higher value, potential repair costs, and higher risk profiles.

Sports Utility Vehicles : These vehicles have all wheel drivetrain, off roading capabilities which can increase the premium

Sedans, Saloons and Compact cars : Such vehicles are mass market products and tend to have better serviceability and hence have lower premiums.

Vehicle Condition:
 
Newer Models : Newer vehicles generally have higher premiums due to their higher value.

Older Models : Older vehicles may have lower premiums, but their value may also be lower.

Vehicle Modifications : Significant modifications can increase the value and risk profile of the vehicle, leading to higher premiums.

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