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Best 5 Car Insurance Companies in the UAE

Have a car and live in the United Arab Emirates but need proper insurance?

You have come to the right place!

In the UAE, third party liability insurance is compulsory and is an established law under the Unified Motor Policy.

You should avail of car insurance in UAE even before its registration process is complete.

The process of finding promising and valid car insurance plans and agencies is entirely stressful.

So it is best first to compare and review the insurance companies of the UAE before applying to see it their products suit your needs.

We have picked out the best car insurance companies in the UAE for your help!

You may be interested in Car Insurance in Saudi Arabia

1. Abu Dhabi National Takaful Co. P.S.C

Abu Dhabi National Takaful Co. P.S.C

The Abu Dhabi National Takaful Co. PSC (Takaful) insurance company was established in November 2003.

It is one of the best and most favorable insurance companies in the UAE as it offers many practical and beneficial services.

The third-party insurance policy provides indemnity to only a third party for physical wounds and property damage as a result of the accident caused by the insured automobile.

The comprehensive car insurance plan consists of third party liability and compensation for loss of the whole or part of the vehicle by:

  • Accidental overturning or collision
  • Theft
  • The fire of any kind
  • Violent act by a third party

Takaful also provides additional free insurance cover like:

  • Battery boosting
  • Fixing flat tires
  • Providing emergency fuel
  • Car registration
  • Towing after an accident
  • Roadside assistance

Takaful is one of the few UAE insurance agencies which provides an “Orange Card.” This card is similar to the Green Card of Europe. Through this card, car insurance can extend to another Arab country.

Link: www.takaful.ae

2. Dubai Insurance Company

Oriental Insurance Company

Dubai Insurance Company (DIC) is one of the best insurance companies in Abu Dhabi and Dubai.

This company was formed in 1970 and has been providing quality service ever since.

DIC offers comprehensive motor insurance plans for mostly business owned automobiles, and it also comprises third party liability as well.

DIC offers the car insurance covers for mechanical breakdown or bodily injury by:

  • Accidents
  • Theft
  • Fire
  • Explosion
  • Self-ignition
  • Harm during riots, commotion or by any hostile attack by a third party
  • Damage in transit by rail, road, elevator or lift

The third-party car insurance plan provides compensation to the third party in case of physical injury and material destruction as a result of the insured’s fault.

You easily submit your motor claim or request a quote online at their website.

Link: www.dubins.ae

3. Oriental Insurance Company

Al Fujairah National Insurance Co (AFNIC)

Oriental Insurance Company (OIC) having been providing its extensive services since 1960.

The versatile services offered by OIC are managed by efficient financial management, expert risk assessment, and a personal approach.

You can insure and reinsure as well as make your quotes through the online service of OIC.

The service of third party insurance is comparatively reasonable than the comprehensive plan. This plan covers:
Limited as geographically by within UAE

  • Third-party vehicles will be fixed up at the OIC appointed workshops
  • Up to Dhs. 200,000 would be paid in case of death or permanent disability injury to the driver or passengers of personal accident
  • Legal liability of one accident regarding the material damage of the third party would be covered up to Dhs. 250,000
  • For death or severe injury to a third party, the cover given would be according to the claim decided by the court
  • Material damage to the personal car would be covered in this plan.

The comprehensive car insurance plan of OIC offers cover for the third party liability and the personal damage or loss of the car.

The comprehensive plan covers the loss of the car or part of the car by fire (ignition, explosion, thunderbolt), theft, or through any violent act.

The hauling, removal, or towing expenses are Dhs. 1,000 for a single accident. For heavy motor vehicles of more than 10 tons, the fee is Dhs. 3,500.

The personal accident benefits are up to Dhs. 200,000. OIC will bear the expenditure of the mechanical breakdown of both the insured and third party car.

Link: www.oicgulf.net

4. Al Fujairah National Insurance Co (AFNIC)

Al Fujairah National Insurance Co (AFNIC)

AFNIC is a versatile insurance company that is situated at the east end of the UAE, providing a range of products from Aviation to Homeowners package.

AFNIC provides the usual comprehensive car insurance plan and the mandatory third party motor insurance service.

The comprehensive insurance proposal provides cover for the car damage due to:

  • Burglary or larceny
  • Fire
  • Explosion or self-ignition
  • Overturning or accidental collision
  • Lightning
  • Hostile act (during any commotion or strike)
  • Damage sustained during transit

This plan also gives the option of repairing the automobile at any registered dealerships or non- agency workshop.

The third-party plan can be availed separately, although they are part of the comprehensive plan.

The third-party insurance plan offers compensation for material wear and tear and bodily injury to third party property and people.

Further services can be availed from AFNIC by paying a premium:

  • Roadside assistance coverage
  • Destruction by natural peril cover
  • Maximum of AED 200,000 for driver and passenger coverage

Link: www.afnic.ae

5. Adamjee Insurance Company Limited (AICL)

Adamjee Insurance Company Limited (AICL)

Adamjee Insurance Company Limited (AICL) is a Pakistani insurance company that operates in UAE under the official liaison from the Ministry of Economy of UAE.

Adamjee Insurance Company provides the maximum coverage for damages as a result of accidental collision, burglary or theft and third-party liability.

AICL is well known for all time customer care service and reasonable rates of premium schemes. Moreover, an SMS alert service is available for clients regarding claim processes.

To apply for car insurance at AICL, you must have authorized UAE car registration and driver’s license. A UAE passport with a resistance visa or a UAE national can get car insurance from AICL.

For reporting a claim with AICL, you can email or fax them, and AICL will immediately take the matter up with the regional law enforcement of UAE.

Link: www.adamjeeinsurance.com/uae

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