Buy Now
Online PlansWhat is Car Insurance?
Car insurance, also called motor insurance, protects you and your vehicle from financial and legal liabilities related to damages you cause or incidents involving third parties. In the UAE, car insurance is a mandatory requirement. When you purchase a car insurance policy, the insurance company will cover a portion of the costs associated with damage, injury, theft, and other incidents involving your car by 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 car insurance. This coverage protects against the legal and financial obligations that may arise from unfortunate events or accidents. Car insurance offers several benefits, including:
Coverage for injuries: In an accident, car insurance can help cover medical expenses and protect against death and bodily injury for all parties involved.
Coverage against theft or loss: If your car is stolen or damaged due to a natural disaster, your insurer may compensate you based on the vehicle's current market value, within the limits of the value specified in your insurance contract. Please note that this coverage is only available under a Comprehensive Insurance Policy, also known as Full Insurance Policy.
Coverage against other 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 settlement amount. 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:
-
Off-road Coverage
-
Agency Repair
-
Roadside Assistance
-
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:
-
Driver & owner identity: Individuals need to provide either Emirates ID, Driving License, passport & visa page
-
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
-
Vehicle Invoice: An invoice is required for buying car insurance for brand-new vehicles
-
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, car owners are required to obtain insurance coverage for their legal and financial liabilities.
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 damage that may occur to their car due to their own fault, accidents, theft, natural disasters, etc. This is in contrast to regular third-party car insurance, which primarily covers losses incurred by the other party involved in an accident.
What is the complete tenure of car insurance in the UAE?
Typical car insurance in the UAE is valid for 13 months. This actually combines 12 months of the insurance plan tenure and a one-month grace period for car insurance renewal.
Can I get a comprehensive insurance policy for my old vehicle?
Yes, you can buy a comprehensive car insurance policy for your old vehicle. You must provide vehicle ownership details and proof of previous car insurance as a prerequisite.
What is 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. However, the amount of this discount can vary between different insurance providers. Additionally, a no-claims bonus can be transferred to another vehicle and a different insurer.
How does agency repair differ from non-agency repair?
For agency repairs, any car damage will be fixed at an authorized garage affiliated with your car's brand dealership. On the other hand, non-agency maintenance is handled by third-party workshops or garages that your insurance agency approves.
While non-agency repair facilities 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 ?
First, you need to inform your car insurance broker. The broker will assist in cancelling 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 several factors, such as the type of car insurance chosen, the insurance company, the make and model of the vehicle, registration year, and driving history. Suppose you are a safe driver with no claims history for a specific period. In that case, the cost of renewing your car insurance can be reduced.
What are GCC Spec Cars?
GCC 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 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 Dubai, Abu Dhabi, Sharjah, etc., 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.
