Is Vehicle Insurance Mandatory in UAE?

Yes, according to the Roads and Transport Authority (RTA) & Insurance Authority of  UAE (now, the Central Bank of UAE), all vehicles on road need insurance without fail. It is most important that it is everyone’s responsibility to insure their car with third-party liability coverage at the very least.

For the Insurance Authority’s Unified Motor Vehicle Insurance Policy (2016) against:

• Third-Party Liability
• Loss and Damage

The Benefits of Buying Vehicle Insurance in UAE

Broadly, motor insurance protects your motor vehicle from any unexpected damages. Some of the most common situations or events include:

• Accidents (physical damage/ collision)
• Mishaps
• Loss or theft
• Towing/ extraction
• Unlocking ignition key
• Dead battery refueling, etc.

Presently, there are two major types of vehicle (car or heavy vehicle) insurance policies are available:

• Comprehensive insurance cover

1. Not only covers the damages to the third party but also the policyholder’s  damages out of the same incident or event
2. Includes accidental damages even up to death
3. Check all possible coverage under comprehensive insurance here

• Third-party liability insurance cover

○ Mandatory cover for any auto insurance in UAE

○ Covers only property damages to the third-party vehicle NOT the policyholder’s vehicle damages

The only problem the vehicle owners face is identifying suitable vehicle insurance online. Yes, out of the big bunch of car insurance broker or auto insurance brokers in

UAE, how do you choose one? Well, we’re here to help you!

Steps Involved in Finding Your Best Auto Insurance Broker in UAE

List your criteria for auto insurance first.

Examine the features and insurance coverage offered by various auto insurance brokers.

Checklist for validating the vehicle insurance broker.

• What does the third-party liability cover protect?
• Does the comprehensive insurance policy cover all events?
• Is the insurance buying process swift and online?
• What are the exclusions and extra covers?
• How quick are the insurance claim process and claim settlements?
• Is there a dedicated team to answer your questions?

Thirdly, request a quote for auto insurance from the top auto insurance providers in the UAE.

Checklist for getting a car insurance quote

1. Make, Model, Model year
2. Registered region
3. Is it a new car or 1st registered Year
4. Estimated AED value of your car
5. Any previous insurance claims

These are the documents that you need to buy a car insurance policy!

Important Note about Car Insurance in UAE

Many car insurance brokers offer free vouchers and discounts. Just to make the policy look cheaper. Do not run behind these cheaper vehicle insurance policies. To learn what is covered, it is advisable that you should read the coverage of each insurance.

Remember to cross-check it with your list of vehicle insurance requirements.

Searching for a car insurance broker in UAE? Or brokers from Abu Dhabi, Sharjah & other major cities in the UAE? Here is our award-winning auto insurance broker!

Platinum Insurance Broker LLC:  One of the best car/ vehicle insurance brokers in the UAE for over a decade. We offer comprehensive insurance packages for cars and all heavy vehicles. Provides health, travel, and general insurance too.

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