Motor insurance in Dubai

It is absolutely necessary to have motor insurance in the UAE. With more than 200 nationalities driving in Dubai, quality of driving is variable and accidents do occur. In case you have caused an accident resulting in a fatality, you will be liable to pay diya (blood money) to the family of the deceased. Diya sums can range from AED 200,000 to AED 500,000 in addition to fines for damage to public property. If you are unable to pay, you may face a long prison term.

With proper motor insurance in place, you can protect yourself from such eventualities, assuming also that you are driving with a valid UAE driving license, have not consumed alcohol or drugs and your car is legally registered. There are also rare instances of injuring/killing a camel/goat etc for which diya will need to be paid to the owner.

The most recommended motor insurance is to have comprehensive motor insurance, though if your car is very old, the very least is for you to have a third party motor insurance. A comprehensive motor insurance will usually cover your own car from accidents, fire, explosions, burglaries and vandalism as well as offer third party coverage for death or injury to a third party or damage to his/her car or property.

 

Before finalizing your comprehensive motor insurance, you should check all clauses and the fine print, since motor insurance policies may differ when it comes to geographical coverage (recommended to have Oman coverage since there are some Omani enclaves within the UAE and GCC if you drive to neighbouring GCC countries), coverage for driver’s household members and passengers including employees, medical expenses coverage, agency repair, roadside assistance, temporary replacement car, a no-claim bonus when renewing your insurance and whether the policy covers off-road driving for 4WD vehicles.

 
From August 2010, the RTA has made it even more convenient for car registration by permitting 5 insurance companies to do car registration while you are doing your motor insurance. If your vehicle is more than 3 years old (newer vehicles need not be tested), you can get your vehicle tested at Tasjeel or other authorized tests centres and then proceed to RSA Insurance, Fujairah Insurance, Oman Insurance, AXA Insurance and Noor Takaful Insurance for car registration and insurance. Do note that other insurance companies listed in private links can also offer motor insurance.
 
From October 2014, motor insurance companies have a shared database to determine insurance premium based on the accident history of the motorist, rather than previous general parameters such as age, nationality and driving experience
 
Published Date : 30/10/2014Back


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Citizens; Residents

Individual Life Events

Planning your insurance in Dubai

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Motor insurance in Dubai

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Dubai Chamber

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1

Published Date

07/06/2011

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06/06/2020

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It is absolutely necessary to have motor insurance in the UAE. With more than 200 nationalities driving in Dubai, quality of driving is variable and accidents do occur. In case you have caused an accident resulting in a fatality, you will be liable to pay diya (blood money) to the family of the deceased. Diya sums can range from AED 200,000 to AED 500,000 in addition to fines for damage to public property. If you are unable to pay, you may face a long prison term.

With proper motor insurance in place, you can protect yourself from such eventualities, assuming also that you are driving with a valid UAE driving license, have not consumed alcohol or drugs and your car is legally registered. There are also rare instances of injuring/killing a camel/goat etc for which diya will need to be paid to the owner.

The most recommended motor insurance is to have comprehensive motor insurance, though if your car is very old, the very least is for you to have a third party motor insurance. A comprehensive motor insurance will usually cover your own car from accidents, fire, explosions, burglaries and vandalism as well as offer third party coverage for death or injury to a third party or damage to his/her car or property.

 

Before finalizing your comprehensive motor insurance, you should check all clauses and the fine print, since motor insurance policies may differ when it comes to geographical coverage (recommended to have Oman coverage since there are some Omani enclaves within the UAE and GCC if you drive to neighbouring GCC countries), coverage for driver’s household members and passengers including employees, medical expenses coverage, agency repair, roadside assistance, temporary replacement car, a no-claim bonus when renewing your insurance and whether the policy covers off-road driving for 4WD vehicles.

 
From August 2010, the RTA has made it even more convenient for car registration by permitting 5 insurance companies to do car registration while you are doing your motor insurance. If your vehicle is more than 3 years old (newer vehicles need not be tested), you can get your vehicle tested at Tasjeel or other authorized tests centres and then proceed to RSA Insurance, Fujairah Insurance, Oman Insurance, AXA Insurance and Noor Takaful Insurance for car registration and insurance. Do note that other insurance companies listed in private links can also offer motor insurance.
 
From October 2014, motor insurance companies have a shared database to determine insurance premium based on the accident history of the motorist, rather than previous general parameters such as age, nationality and driving experience
 

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Related Government Entity

Emirates Insurance Association

Related Topics

5 insurance companies given power by RTA to renew vehicle insurance – Gulf News; Laws to regulate Islamic insurance by UAE Insurance Authority – Gulf News; Home insurance remains unpopular – Gulf News; Content insurance helps cope with home loss – Gulf News

Related Private Links

Abu Dhabi National Insurance; Dubai Islamic Insurance & Reinsurance Company; Methaq Takaful Insurance; Gargash Insurance Services; RSA Insurance; Oman Insurance Company; Noor Takaful; Neuron Health Insurance; Nextcare Health Insurance; Insurancemarket.ae from Afia Insurance Brokerage

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30/10/2014

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07/06/2011

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للمواطنين; المقيمون

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Citizens; Residents

ArticleCategory:CategoryArabic

التخطيط للحصول على تغطية تأمينية في دبي

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21

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ArticleCategory:CategoryEnglish

Planning your insurance in Dubai

ArticleCategory:ShowOnHomePage

No

GovernmentEntity:ArabicURL

http://www.eia.ae/

GovernmentEntity:EnglishURLText

Emirates Insurance Association

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http://www.eia.ae/

GovernmentEntity:ArabicURLText

جمعية الإمارات للتأمين

PrivateLinks:ArabicURLText

شركة أبو ظبي الوطنية للتأمين; شركة دبي الإسلامية للتأمين وإعادة التأمين "أمان"; شركة ميثاق للتأمين التكافلي; شركة قرقاش لخدمات التأمين; آر إس إيه للتأمين; شركة عمان للتأمين; نور للتكافل; نيورون للتأمين الصحي; نيكست كير للتأمين الصحي; عافية لخدمات وسطاء التأمين

PrivateLinks:ArabicURL

http://www.adnic.ae/; http://www.aman-diir.ae/ar/; http://www.methaq.ae/Ar/default.aspx; http://www.gargashinsurance.com/; https://www.rsagroup.ae/; http://www.tameen.ae; http://www.noortakaful.com/medical/individualmedical.aspx?gclid=CJbSw42Eu6QCFZk03godRGG7JA; http://www.neuron.nu/services.php; http://www.nextcare.ae/; http://insurancemarket.ae/

PrivateLinks:EnglishURLText

Abu Dhabi National Insurance; Dubai Islamic Insurance & Reinsurance Company; Methaq Takaful Insurance; Gargash Insurance Services; RSA Insurance; Oman Insurance Company; Noor Takaful; Neuron Health Insurance; Nextcare Health Insurance; Insurancemarket.ae from Afia Insurance Brokerage

PrivateLinks:EnglishURL

http://www.adnic.ae/; http://www.aman-diir.ae/; http://www.methaq.ae/; http://www.gargashinsurance.com/; https://www.rsagroup.ae/; http://www.tameen.ae; http://www.noortakaful.com/; http://www.neuron.nu/services.php; http://www.nextcare.ae/; http://insurancemarket.ae/

TopicLinks:EnglishURLText

5 insurance companies given power by RTA to renew vehicle insurance – Gulf News; Laws to regulate Islamic insurance by UAE Insurance Authority – Gulf News; Home insurance remains unpopular – Gulf News; Content insurance helps cope with home loss – Gulf News

TopicLinks:EnglishURL

http://gulfnews.com/news/gulf/uae/traffic-transport/five-dubai-insurance-companies-given-power-to-register-cars-1.669367; http://gulfnews.com/business/general/law-to-regulate-islamic-insurance-1.647033; http://gulfnews.com/business/your-money/home-insurance-remains-unpopular-1.658417; http://gulfnews.com/business/your-money/content-insurance-helps-cope-with-loss-1.658416

TopicLinks:ArabicURLText

منح 5 شركات تأمين في دبي صلاحية تسجيل السيارات – جلف نيوز; قوانين لتنظيم التأمين الإسلامي من خلال هيئة الإمارات للتأمين - جلف نيوز; التأمين على المسكن ممارسة غير مألوفة - جلف نيوز; التأمين على المقتنيات يساعد في تعويض الخسائر - جلف نيوز

TopicLinks:ArabicURL

http://gulfnews.com/news/gulf/uae/traffic-transport/five-dubai-insurance-companies-given-power-to-register-cars-1.669367; http://gulfnews.com/business/general/law-to-regulate-islamic-insurance-1.647033; http://gulfnews.com/business/your-money/home-insurance-remains-unpopular-1.658417; http://gulfnews.com/business/your-money/content-insurance-helps-cope-with-loss-1.658416

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b_cr_comm_get_spec_bsns_lic

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http://www.dubaichamber.com/

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ArticleCategory:ID

21

ArticleCategory:RankCitizen

200

ArticleCategory:RankResidents

200

ArticleCategory:RankBusinesses

0

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30/10/2014

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Created at 07/06/2011 08:23 by Ali Developer
Last modified at 30/10/2014 10:09 by Atef AlRifai