Dubai’s dazzling skyline whizzes past as you cruise down Sheikh Zayed Road. The wind whips through your hair, but a different kind of thrill bubbles in your chest – the peace of mind knowing you’re insured against any bumps along the way.
But navigating the world of online car insurance in Dubai can feel like dodging traffic cones blindfolded.
Isn’t it ?
Yes ,it is very important to remember always ,are you insured and your vehicle as well.
Worry not, fellow road warrior !
We’re about to peel back the hood and reveal the hottest online car insurance deals in Uae, the hidden gems of coverage,how to claim,maturity amount,what to avoid and how to choose best insurance in dubai.
Buckle up, because we’re taking a high-speed tour of the best digital options to keep your car (and your bank account) protected,
Dubai-style. Get ready to ditch the confusing jargon, uncover killer discounts, and find the perfect insurance policy that fits your driving needs like a custom-made glove.
So, let’s shift gears and dive into the exciting (and surprisingly affordable) world of online car insurance in Dubai !
Car insurance is a legal requirement in Dubai, UAE. It protects you financially in the event of an accident, and can also provide coverage for other events, such as theft or vandalism.
Dubai is a city with a high number of cars on the road. This means that it is important to have car insurance to protect yourself in case of an accident. There are many different car insurance companies in Dubai, but not all of them are created equal.
When choosing car insurance in Dubai, it’s crucial to consider your specific needs, budget, and preferences.Insurance options offer a diverse range of coverage and benefits, ensuring you can find the perfect policy for your vehicle.Below is the free guide for you.
What is Online Car Insurance ?
Online car insurance is a way to purchase and manage your car insurance policy electronically, through the internet or a mobile app, rather than going through a traditional insurance agent.
It’s like ordering clothes or groceries online: you compare quotes, choose a policy, and make payments all from the comfort of your couch.
How to choose the best car insurance deal in dubai
There are many valid points and criteria to check the best car insurance according to your requirement,however,we have listed below some important one’s for you.
1. Coverage
Mandatory : Ensure the policy covers the mandatory third-party liability insurance as required by the RTA (Road and Transport Authority).RTA coverage is mandatory.
Comprehensive vs. Third-party : Choose comprehensive coverage if you want your own car protected against damage and theft, or third-party only for basic legal liability.The basic details of coverage has to be compared and cross checked with other providers as well.
Add-ons : Consider optional add-ons like personal accident cover, roadside assistance, windshield replacement, or car rental cover.
2. Fees,Price and Discounts
Compare quotes : Use online insurance aggregators to compare quotes from multiple providers.It can save you a lot of money.
Discounts : Look for potential discounts based on factors like age, driving history, car make/model, no-claim bonus, or multi-car policies.
Hidden fees : Be aware of potential hidden fees like processing charges or stamp duty.Read the policy document before buying.
3. Company Reputation and Claims Process
Company reviews : Check online reviews and ratings for customer service and claim settlement efficiency.
Financial stability : Ensure the insurance provider is financially stable to pay out claims.
Claims process : Understand the claims process and contact details for making claims.It is very important to know the claim process of your inusrance for the simplification .
4. Additional Points
Excess/Deductible : Choose a deductible amount you can afford to pay in case of a claim.
Policy terms and conditions : Read and understand the policy terms and conditions before purchasing.It will explain you everything about your policy coverage,benefits,claims,etc.
Customer service : Contact the provider to gauge their responsiveness and helpfulness.
These above points can help you in choosing the best car deal insurance policy for you.
NOTE : Don’t forget to thoroughly review the terms and conditions of each insurance provider and compare quotes to make an informed decision that suits your needs best.
After understanding the do’s and dont’s to get the best insurance policy in dubai(uae). Let’s get it started with the best car insurances available in dubai (UAE).
25 + Best Online car insurance to buy in Uae 2024
1. AXA Insurance (now GIG gulf)
Features: AXA offers comprehensive car insurance that covers a wide range of scenarios including accidents, theft, and natural disasters.
Claimed Amount: Claim settlements are known for being quick and efficient.
Other Benefits: 24/7 roadside assistance, a network of garages, and optional add-ons like agency repairs.
Official Website: AXA Car Insurance (https://www.axa.ae/en/personal/products/car-insurance)
2. Sukoon (previously Oman Insurance Company)
Features: Their car insurance policies provide coverage for loss or damage to your vehicle, third-party liability, and personal accident benefits.
Claimed Amount: Claims processing is prompt, with fair settlements.
Other Benefits: Optional add-ons include off-road coverage and a rental car while yours is being repaired.
Official Website: www.sukoon.ae
3. Dubai Islamic Insurance & Reinsurance (AMAN)
Features: AMAN offers Sharia-compliant car insurance with options for both comprehensive and third-party coverage.
Claimed Amount: Competitive claim payouts.
Other Benefits: Rental car service, 24/7 roadside assistance, and a wide network of authorized repair workshops.
Official Website: AMAN Car Insurance (https://aman.ae/home/?page_id=871)
4. Liva Insurance (previously RSA Uae Insurance)
Features: RSA provides comprehensive car insurance with options for personal accident cover, natural disasters, and more.
Claimed Amount: Their claims process is transparent and efficient.
Other Benefits: Emergency medical expenses, courtesy car, and accident forgiveness.
Official Website: https://www.livainsurance.ae/car-insurance
5. Noor Takaful
Features: Noor Takaful offers Islamic car insurance solutions with comprehensive coverage.
Claimed Amount: Fair and speedy claim settlements.
Other Benefits: Free roadside assistance, agency repair options, and additional coverage for personal belongings.
Official Website: You can buy from Noor Takaful Car Insurance (https://insurancemarket.ae/insurance-companies/noor-takaful-insurance/)
6. Salama Islamic Arab Insurance
Features: Salama offers a range of motor insurance products, including comprehensive coverage, third-party liability, and personal accident benefits.
Claimed Amount: Competitive claims processing.
Other Benefits: 24/7 roadside assistance and a network of authorized repair centers.
Official Website: Salama Car Insurance (https://salama.ae/car-insurance/)
7. Union Insurance Company
Features: Union Insurance offers a variety of motor insurance options, including comprehensive, third-party liability, and extended coverage.
Claimed Amount: Timely and fair claims settlements.
Other Benefits: Emergency medical expenses, agency repairs, and off-road coverage.
Official Website: Union Insurance (https://www.unioninsurance.ae/en-us/personal/motor-insurance/)
8. Dubai Insurance Company (DIC)
Features: DIC provides comprehensive car insurance policies with various add-ons, including personal accident cover.
Claimed Amount: Known for their fair and efficient claim processing.
Other Benefits: 24/7 roadside assistance and a wide network of authorized garages.
Official Website: DIC Car Insurance (https://www.dubins.ae/beta/car)
9. Watania Insurance Company
Features: Watania offers a range of motor insurance plans, including comprehensive coverage, third-party liability, and more.
Claimed Amount: Transparent and competitive claims settlement.
Other Benefits: Agency repair, courtesy car, and optional coverage for agency repair.
Official Website: Watania Car Insurance (https://www.watania.ae/personal-insurance/motor)
10. National General Insurance (NGI)
Features: NGI provides comprehensive car insurance with optional benefits such as personal accident cover.
Claimed Amount: Efficient and fair claims settlement.
Other Benefits: 24/7 roadside assistance, agency repairs, and off-road coverage.
Official Website: NGI Car Insurance (https://ngi.ae/individual/motor/)
11. RSA-TALKE
Features: RSA-TALKE offers comprehensive car insurance with a focus on high-quality service.
Claimed Amount: Competitive claim payouts.
Other Benefits: Roadside assistance, accident forgiveness, and a wide network of authorized repair centers.
Official Website: RSA-TALKE Car Insurance
12. ADNIC (Abu Dhabi National Insurance Company)
Features: ADNIC offers comprehensive car insurance policies with various coverage options.
Claimed Amount: Known for fair and prompt claims processing.
Other Benefits: Emergency medical expenses, rental car service, and optional add-ons like personal accident cover.
Official Website: ADNIC Car Insurance (https://ngi.ae/individual/motor/)
13. Takaful Emarat Insurance
Features: Takaful Emarat offers comprehensive car insurance that covers loss or damage to your vehicle, third-party liability, and more.
Claimed Amount: Efficient and transparent claim settlements.
Other Benefits: Emergency medical expenses, free courtesy car, and optional add-ons for off-road coverage.
Official Website: Takaful Emarat Car Insurance (https://takafulemarat.com/)
14. InsureMe
Features: InsureMe provides a platform to compare and purchase car insurance policies from various providers.
Claimed Amount: Varies depending on the chosen insurance provider.
Other Benefits: Access to a wide range of insurance options, easy comparison, and the ability to customize your coverage.
Official Website: InsureMe Car Insurance (https://insureme.ae/)
15. Dubai National Insurance & Reinsurance (DNIR)
Features: DNIR offers comprehensive car insurance with a focus on personalized coverage options.
Claimed Amount: Fair and efficient claim processing.
Other Benefits: Roadside assistance, agency repair, and extended coverage choices.
Official Website: DNIR Car Insurance (https://www.dni.ae/)
16. New India Assurance
Features: New India Assurance provides comprehensive car insurance policies with varying coverage options.
Claimed Amount: Timely and fair claims settlements.
Other Benefits: Coverage for personal accident, third-party liability, and emergency medical expenses.
Official Website: New India Assurance Car Insurance (https://www.newindia-uae.com/products/motor-insurance/)
17. Al Wathba National Insurance Company
Features: Al Wathba offers motor insurance that includes comprehensive coverage and personal accident benefits.
Claimed Amount: Known for competitive claim payouts.
Other Benefits: Agency repair, 24/7 roadside assistance, and a wide network of authorized repair workshops.
Official Website: Al Wathba Insurance (https://awnic.com/)
18. Arabia Insurance Company
Features: Arabia Insurance offers comprehensive car insurance with various coverage options.
Claimed Amount: Efficient and fair claims settlement.
Other Benefits: Roadside assistance, personal accident cover, and additional benefits like off-road coverage.
Official Website: Arabia Insurance Car Insurance (https://arabiainsurance.com/en)
19. Gargash Insurance Services
Features: Gargash Insurance provides a range of motor insurance solutions, including comprehensive coverage.
Claimed Amount: Transparent and competitive claims processing.
Other Benefits: Agency repair, emergency medical expenses, and optional coverage extensions.
Official Website: Gargash Insurance (https://www.gargashinsurance.com/personal/car-insurance/)
20. Dubai Insurance Solutions
Features: This platform offers a variety of car insurance options from different providers, allowing you to compare and choose the best fit.
Claimed Amount: Varies based on the selected insurance provider.
Other Benefits: Access to multiple quotes, easy comparison, and the ability to tailor coverage to your needs.
Official Website: Dubai Insurance Solutions
21. Doozy Online
Features:Doozy Online offers a range of car insurance plans, including comprehensive coverage.
Claimed Amount: Timely and transparent claims processing.
Other Benefits: Optional add-ons for personal accident cover, agency repair, and more.
Official Website: Doozy online Car Insurance (https://www.doozyonline.ae/)
22. Arab Orient Insurance Company
Features: Arab Orient Insurance provides comprehensive car insurance coverage with various benefits.
Claimed Amount: Known for fair and efficient claim settlements.
Other Benefits: Roadside assistance, agency repair, and optional coverage for rental cars.
Official Website: Arab Orient Insurance (https://www.insuranceuae.com/)
23. Dubai First Insurance
Features: Dubai First Insurance offers comprehensive car insurance with options for personal accident cover and more.
Claimed Amount: Transparent and efficient claim processing.
Other Benefits: Emergency medical expenses, agency repair, and additional coverage extensions.
Official Website: Dubai First Insurance
24. MetLife Insurance
MetLife Insurance is an American insurance company that offers a variety of car insurance plans. They are known for their reliable customer service.
Official Website : https://www.metlife.ae/
25. Al Futtaim Insurance
Al Futtaim Insurance is a leading UAE insurance company that offers a variety of car insurance plans. They are known for their competitive premiums and their wide network of service centers.
Official Website :https://www.alfuttaim.com/financial_services/orient/
26. Aviva Insurance
Aviva Insurance is a British insurance company that has been operating in Dubai for many years. They offer a range of car insurance plans, including comprehensive and third-party insurance.
When choosing a car insurance company, it is important to compare the different policies and features offered. Some of the factors to consider include:
level of coverage: Make sure you choose a policy that provides the level of coverage you need.
Deductible: The deductible is the amount of money you will have to pay out of pocket in the event of a claim.
Premiums: The premiums are the monthly or annual payments you will make for the policy.
Customer service: Make sure the insurance company has good customer service in case you need to file a claim.
Once you have chosen a car insurance company, you can apply for a policy online or over the phone. You will need to provide some basic information, such as your name, address, and driver’s license number.
The insurance company will then review your application and issue a policy if you are approved. You will need to pay the first premium at the time of purchase.
Your car insurance policy will come with a set of terms and conditions. It is important to read these carefully before you sign the policy.
Navigating the world of car insurance in Dubai requires careful consideration of your needs and preferences. These additional options broaden your spectrum of choices, allowing you to find a policy that aligns perfectly with your vehicle and lifestyle.
Before finalizing your decision, it’s recommended to review the terms, coverage limits, and additional benefits offered by each provider.
Whether you’re seeking comprehensive coverage or specific add-ons, Dubai’s insurance market has something for everyone.
Car Insurance in dubai Final Review
In the bustling metropolis of Dubai, having the right car insurance is not just a choice – it’s a necessity. The city’s vibrant lifestyle demands reliable coverage for your vehicle, ensuring that you’re prepared for any unexpected situations on the road.
So, do not wait more to insure your life and your vehicle as well.Your dear one’s love you alot.
It is recommended to read the fine print and policy documents before purchasing to get the best insurance deal for you.
We hope this guide will help you out in any way.If you need any further assistance,check out our other guides as well.
Until then,
Stay Safe,Stay insured.
See you on the other side.
Frequently Asked Questions (Faq’s)
. Is getting car insurance online in Dubai legal and convenient ?
Absolutely! Several licensed insurance providers offer online platforms for obtaining comprehensive and competitive car insurance quotes and policies in Dubai. It’s legal, transparent, and often saves time and effort compared to traditional methods.
What documents do I need for online car insurance in Dubai ?
Typically, you’ll need copies of your driving license, Emirates ID, car registration card, and any previous insurance records. Some providers may ask for additional documents depending on your specific situation.
Does my driving record affect online car insurance premiums in Dubai?
Yes, a clean driving record with no claims can significantly reduce your premiums. Conversely, traffic violations or past claims may lead to higher costs.
Can I customize my online car insurance policy in Dubai ?
Most providers offer various coverage options and add-ons, allowing you to personalize your policy to fit your budget and needs. This could include comprehensive, third-party liability, personal accident, roadside assistance, and more.
What happens if I need to make a claim after buying online car insurance in Dubai ?
The claims process with most online providers is straightforward. You can usually report claims online or through a dedicated app, and the insurer will guide you through the steps. Remember to check your policy details for specific procedures and contact information.
