Top Best Car Insurance Providers In The UAE

Being a car owner in Dubai is not just a personal choice; it’s a significant part of the city’s culture.

Naturally, we all want to do everything possible to ensure the well-being and safety of our cars, whether they’re expensive sports cars, luxury cars, or essential family ones.

Numerous providers offer various coverages and prices, which makes finding the best one a challenge.

This guide is your key to navigating the world of car insurance in the UAE, which will equip you with the knowledge to make an informed decision and secure the perfect policy for your needs.

Regarding car insurance in Dubai, the variety of options available can make a significant difference.

Step-by-Step Guide to Choosing the Right Car Insurance:

• Figure Out What You Need: Think about how much coverage you need based on your car’s worth and how you drive.
• Compare Prices: Get quotes from insurance companies to find the best deal.
• Read Reviews: Check customer reviews to see how reliable each insurance company is.
• Check Coverage Options: Ensure the policy covers all possible risks and includes any necessary add-ons.
• Look at the Claims Process: Pick a company with an easy and efficient claims process.

Adamjee Insurance

A well-established provider, Adamjee Insurance offers comprehensive and third-party liability car insurance plans at competitive rates.

It is known for focusing on customer service and providing personalized insurance solutions.

Dubai National Insurance Company (DNIC)

A local Emirati insurer, DNIC offers comprehensive and third-party liability car insurance plans tailored to the needs of Dubai drivers. It is known for its fast claims processing and focus on supporting the local community.

Al Buhaira National Insurance Company (ABNIC)

Serving the Emirate of Sharjah and beyond, ABNIC offers comprehensive and third-party liability car insurance plans.

Its extensive plans are designed to reassure you that you are fully covered for third-party injuries and property damage.

It offers services like full-cost compensation in case of total loss and various mobility protection services.

Salama Takaful Insurance

Founded in 1979, Salama Takaful is another major company in the Islamic car insurance market that provides financial protection against accidents, theft, and other unforeseen events.

It is known for its transparent policies, commitment to customer satisfaction, and various Sharia-compliant insurance products, including highly rated comprehensive car insurance plans. With many benefits and add-ons, Salama is a top choice for car insurance.

Sukoon Insurance

With a strong presence across all the emirates, as well as in Oman and Qatar, and more than 15 branches in each emirate, Sukoon Insurance is a trusted name in the industry.

As a leading car insurance provider in the UAE, it offers health, life, and property insurance and comprehensive, third-party, and specialized coverage plans, ensuring you’re always in safe hands.

It safeguards your car against accidental damage, theft, fire, and natural disasters—premium insurance plans for luxury vehicles with high limits and a range of coverage.

Watania Takaful

Watania Takaful Insurance Company (previously known as Noor Takaful) is a well-known insurance provider in the UAE that offers a range of flexible insurance products.

These include Motor Takaful, Medical Takaful, Travel Takaful, Commercial Takaful, and Personal Takaful, giving you the power to choose the coverage that best suits your needs.

It offers comprehensive coverage for your vehicle and third-party liabilities, including injuries and damages to third parties, optional covers for additional protection, such as Roadside Assistance, no claims discount, emergency medical expenses, personal belongings, windscreen damage waiver, new car replacement, valet parking cover, personal accident benefit for driver & passengers, Oman extension, off-road cover, and car rental (up to 7 days).

GIG Gulf Car Insurance

GIG Gulf Insurance (also known as AXA Insurance) is a global company based in France that has led the Gulf insurance market for over 60 years. In UAE, it offers competitive, comprehensive car insurance packages with coverage for up to 15 years.

GIG has well-designed policies, including various internal options such as roadside assistance, car replacement, personal accident cover, and additional services available as add-ons like car hire benefits and off-road coverage.

It provides a wide range of comprehensive car insurance plans and mandatory third-party coverage, making it one of the top car insurance

companies in Dubai, UAE.

Top-tier car insurance offers extensive protection, and comprehensive car insurance provides balanced protection and affordability. Also, at a low cost, its essential protection covers third-party damages and select benefits, ensuring you feel financially secure.

Al Sagr Insurance

Founded in 1979, Al Sagr is a leading insurance and reinsurance company based in Dubai. Known for its excellent services, Al Sagr is a public shareholding company and one of the top car insurance providers in the UAE.

They offer a variety of comprehensive and third-party insurance plans with many benefits and features, covering loss, damage, and third-party liability. Basic insurance covering third-party bodily injury and property damage.

Orient Insurance

Founded in 1982 as part of the Al-Futtaim Group, Orient Insurance Company has experienced steady growth and has become a significant insurer in the UAE insurance market.

The company’s main office is in Dubai, and it has branches in Jebel Ali, Abu Dhabi, Al Ain, Sharjah, and Ras Al Khaimah in the UAE, as well as in Muscat, Oman, and Bahrain.

Its comprehensive car insurance offers high levels of protection and flexible options, ensuring your peace of mind. As per UAE law, motor insurance is essential and mandatory to cover third-party damages and injuries.

Specializing in providing corporate clients with effective risk management for maintaining their fleet of vehicles, it gives you the confidence to make sound business decisions.

Liva Insurance

With over 60 years of experience, Liva Insurance (formerly RSA Insurance) is a critical player in the UAE insurance market. Its history is about 300 years, and it has served UAE customers since 1956.

Known for its reliable car insurance, RSA offers various insurance plans to meet different needs, ensuring you feel catered to and understood. Each plan comes with many benefits, including:

1. Comprehensive coverage with extensive benefits.
2. Balanced coverage with essential benefits.
3. Basic coverage focused on essential vehicle protection and third-party liability.

Abu Dhabi National Insurance Company (ADNIC)

As the UAE’s oldest and most trusted insurance provider, Abu Dhabi National Insurance Company (ADNIC) has the experience and reliability to offer you comprehensive coverage, including damage to your vehicle, third-party liability, and protection against theft and natural disasters.

The ADNIC team offers various coverage options to meet your needs, including additional benefits and third-party liability coverage up to AED 3,500,000. For those looking for a more fundamental level of coverage, it provides third-party liability property damages up to AED 2,000,000.

And for those who only need the minimum mandatory coverage in the UAE, it offers third-party damages up to AED 2,000,000, which does not cover your vehicle.

Al Fujairah National Insurance Company (AFNIC)

AFNIC offers a variety of affordable car insurance options that cover everything you need. It has standard plans and customizable options to fit different needs, and it also has an easy-to-use online portal to manage your policy, file claims, and get support.

Its quick and efficient claims process ensures minimal hassle if something goes wrong. Known for being precise and reliable, AFNIC is a trusted choice for car insurance in Dubai that offers coverage for damage to the insured vehicle from an accident and third-party liability, according to the country’s Road Traffic Law and Agency Repair Cover that can be repaired in the Agency/Dealer’s Workshop.

Summary

This brings us to the end of the list of the top car insurance companies in Dubai, UAE—2024. While many insurance companies can meet your car requirements, your role in choosing the best car insurance in Dubai, UAE is crucial for complete protection and peace of mind.

The top providers above offer various options for different needs and preferences. By considering factors like coverage, customer service, and claims efficiency, you can play a significant part in selecting the ideal car insurance policy for 2024.

FAQs

1. Which type of insurance is best for a car?

Comprehensive Car Insurance Policy

2. What factors should I consider when choosing a car insurance company in Dubai?

When it comes to choosing a car insurance company in Dubai, you play a crucial role. Consider the coverage options, premium rates, customer reviews, and the efficiency of the claims process.

Your decisions will determine the level of protection and service you receive.

3. What is the minimum car insurance requirement in Dubai?

It’s a legal requirement in Dubai that all vehicles must have at least third-party liability insurance. This is a crucial aspect of car ownership in the city.