Is Car Insurance Compulsory in the UAE?

Yes, car insurance is a legal requirement for all vehicle owners in the UAE to cover potential financial and legal liabilities.

How Can I Renew My Car Insurance Online?

You can renew your car insurance online by getting a quote on our website. Or call us at 800-Gargash or visit any of our branches in Dubai, Abu Dhabi, or Sharjah. You will be assisted with every detail by our experts.

What is Comprehensive Car Insurance?

This will fully reimburse car damages that might be inflicted by an accident, a premeditated attack, or some natural disasters. Unlike Third-Party Insurance, where only damages caused to another party are compensated, with comprehensive insurance, your own car will be covered against any potential loss.

Who Can Buy Car Insurance in the UAE?

Expatriates with a valid UAE driving license and vehicle registration are eligible for car insurance, just like anybody else. Approval depends on document verification and varies according to criteria set by each insurer.

What is the Validity of Car Insurance in the UAE?

Car insurance in the UAE generally covers a period of 13 months, with 12 months as the actual coverage and a 1-month grace period for renewal. Also available are long-term car insurances that offer better reduction in premiums to avoid renewals every year.

Can I Get Comprehensive Insurance for an Old Vehicle?

Yes, full car insurance can be acquired for older vehicles if you are able to show proof of prior insurance. However, approval is based on the insurer’s discretion and policy terms.

What is a No Claims Discount (NCD)?

A No Claims Discount: Some insurance companies reward a safe driver for not making any claim in a year by discounting the premium of an insurance renewal. NCDs differ between insurers, but can often be transferred to a new vehicle or to another insurance provider.

How Does Agency Repair Differ from Non-Agency Repair?

Agency Repair: Your car is repaired from an official dealership of your car’s brand, making sure that repairs are brand-certified.
Non-Agency Repair: Repairs are done at workshops approved by the insurer, generally at a lower premium with faster service.
Both have their advantages, depending on what you want.

How to Cancel Your Car Insurance Policy?

To cancel your policy, inform your insurance broker or provider, who will begin the process. You may be required to provide some documents, and the process, with any refunds, if applicable, might take a few weeks. Keep your original policy papers for future use or claiming a no-claims discount.

What Determines the Cost of Car Insurance in the UAE?

Cost range varies from 1.3% to 1.6% of the value of your car, on average, but it still depends on the insurance provider, nature of coverage, model, and driving experience.

What are GCC-Spec Cars?

GCC-spec cars, on the other hand, are manufactured with the intention of keeping up with high temperatures and the weather patterns in GCC countries. Since GCC cars can withstand GCC weather conditions better, with less risk, they generally tend to be cheaper when it comes to insurance claims.

Can I insure a non-GCC car in the UAE?

Yes, non-GCC cars can be insured in the UAE. However, not as many providers insure them, and the premium for non-GCC spec cars is generally higher compared to GCC-spec cars.

Can I transfer my insurance policy to another car?

Possibly. If you’re replacing your old vehicle with a new one, inform your insurer or broker. Whether the policy can be transferred depends on various factors and is at the discretion of the insurer.