Car insurance in the UAE is not just a legal requirement — it’s a vital protection for your vehicle, your finances, and your peace of mind. With dozens of providers across the Emirates, choosing the best car insurance company can be overwhelming. Whether you’re looking for third-party coverage or comprehensive plans, this guide highlights the top car insurance providers in the UAE, based on customer satisfaction, coverage options, digital services, and claim efficiency.
Top 10 Car Insurance Companies in UAE
1. Oman Insurance (Sukoon Insurance)
-
Type: Comprehensive & Third-Party
-
Highlights:
-
Fast claims processing
-
24/7 roadside assistance
-
Coverage across GCC
-
-
Why Choose: Strong digital presence and high customer ratings
-
Website: www.sukoon.com
2. AXA Gulf (Now GIG Gulf)
-
Type: Comprehensive & Third-Party
-
Highlights:
-
Off-road coverage for 4x4s
-
Personal accident benefit
-
Instant online quotes
-
-
Why Choose: Global reputation and superior customer service
-
Website: www.giggulf.ae
3. RSA Insurance
-
Type: Comprehensive & Third-Party
-
Highlights:
-
Personal belongings cover
-
Windscreen and off-road coverage
-
Quick online policy issuance
-
-
Why Choose: Trusted by expats and UAE residents
-
Website: www.rsadirect.ae
4. Orient Insurance (Al-Futtaim Group)
-
Type: Comprehensive & Third-Party
-
Highlights:
-
Agency repair for up to 3 years
-
Free car registration service
-
Roadside assistance included
-
-
Why Choose: Backed by Al-Futtaim Group; reliable claims service
-
Website: www.orientinsurance.com
5. Salama Islamic Arab Insurance
-
Type: Takaful (Islamic insurance)
-
Highlights:
-
Shariah-compliant insurance plans
-
Affordable for families and individuals
-
Personal accident and third-party cover
-
-
Why Choose: Ideal for those looking for Islamic insurance in the UAE
-
Website: www.salama.ae
6. Dubai National Insurance (DNI)
-
Type: Comprehensive & Third-Party
-
Highlights:
-
Affordable premiums
-
Quick policy issuance
-
Emergency services coverage
-
-
Why Choose: Excellent for value-seeking customers
-
Website: www.dni.ae
7. Al Sagr National Insurance
-
Type: Comprehensive & Third-Party
-
Highlights:
-
Coverage for rental vehicles
-
Add-ons like GCC cover
-
Flexible premiums
-
-
Why Choose: Competitive pricing and decent customer service
-
Website: www.alsagrins.ae
8. Union Insurance
-
Type: Comprehensive & Third-Party
-
Highlights:
-
Third-party liability up to AED 3.5 million
-
Free roadside assistance
-
Policy customization options
-
-
Why Choose: Strong regional presence
-
Website: www.unioninsurance.ae
9. Adamjee Insurance
-
Type: Comprehensive & Third-Party
-
Highlights:
-
Covers natural calamities
-
Hassle-free online claim intimation
-
Strong ties with garages and repair centers
-
-
Why Choose: Good value for money and widespread acceptance
-
Website: www.adamjeeinsurance.com
10. Noor Takaful
-
Type: Takaful (Shariah-compliant)
-
Highlights:
-
Islamic financial principles
-
Transparent pricing and policies
-
24/7 emergency support
-
-
Why Choose: Trusted for ethical and Islamic insurance needs
-
Website: www.noortakaful.com
Types of Car Insurance Available in UAE
| Insurance Type | What It Covers |
|---|---|
| Third-Party Only | Damage to others’ vehicles/property |
| Comprehensive | Damage to your car + third-party liability |
| Takaful (Islamic) | Shariah-compliant version of above options |
Key Things to Consider When Choosing Car Insurance
-
✅ Agency vs. Non-agency repair
-
✅ Off-road coverage
-
✅ Roadside assistance
-
✅ GCC coverage
-
✅ Premiums & deductibles
-
✅ Customer support & claim process
Pro Tip: Use Comparison Sites
Use UAE insurance comparison platforms like:
These sites help compare prices, features, and customer reviews easily.
Car Insurance Comparison
| Company Name | Type of Insurance | Key Features | Roadside Assistance | Off-road Cover | Website |
|---|---|---|---|---|---|
| Oman Insurance (Sukoon) | Comprehensive & Third-Party | Fast claims, GCC coverage, 24/7 support | ✅ Yes | ✅ Yes | sukoon.com |
| GIG Gulf (AXA) | Comprehensive & Third-Party | Off-road cover, Personal accident benefits | ✅ Yes | ✅ Yes | giggulf.ae |
| RSA Insurance | Comprehensive & Third-Party | Personal belongings, windscreen cover | ✅ Yes | ✅ Yes | rsadirect.ae |
| Orient Insurance | Comprehensive & Third-Party | Agency repairs, car registration services | ✅ Yes | ✅ Yes | orientinsurance.com |
| Salama Takaful | Takaful (Islamic) | Shariah-compliant, family-friendly plans | ✅ Yes | ❌ No | salama.ae |
| Dubai National Insurance (DNI) | Comprehensive & Third-Party | Affordable premiums, emergency services | ✅ Yes | ❌ No | dni.ae |
| Al Sagr Insurance | Comprehensive & Third-Party | Rental car cover, GCC cover options | ✅ Yes | ✅ Yes | alsagrins.ae |
| Union Insurance | Comprehensive & Third-Party | High third-party liability coverage | ✅ Yes | ❌ No | unioninsurance.ae |
| Adamjee Insurance | Comprehensive & Third-Party | Covers natural disasters, fast claims | ✅ Yes | ✅ Yes | adamjeeinsurance.com |
| Noor Takaful | Takaful (Islamic) | Ethical policies, transparent pricing | ✅ Yes | ❌ No | noortakaful.com |
Frequently Asked Questions (FAQ)
Yes, it is legally mandatory to have at least third-party liability insurance in the UAE before driving any vehicle on public roads.
Third-party insurance covers damage to others’ vehicles or property but not your own car.
Comprehensive insurance covers both third-party liability and damage to your own vehicle, theft, fire, and other risks.
Takaful insurance is a Shariah-compliant insurance model based on mutual assistance. Instead of profit, the focus is on community sharing of risk and reward.
There is no one-size-fits-all answer. Some top-rated companies include:
Oman Insurance (Sukoon) – Fast claims and GCC cover
GIG Gulf (AXA) – Great for expats and luxury cars
Orient Insurance – Known for agency repair and extras
Salama Takaful – Ideal for Islamic insurance seekers
You can use UAE-based platforms like:
Policybazaar UAE
YallaCompare
Souqalmal
These tools compare prices, features, coverage, and customer reviews.
Yes, but cancellation fees may apply. It’s best to wait until your current policy expires unless there’s a major issue or a significantly better deal available.
Not always. Off-road coverage is usually an add-on, especially important for 4×4 vehicle owners. Check the policy before purchasing.
Yes, you typically need GCC extension coverage, which some insurers offer as an add-on. Always confirm coverage if planning cross-border trips.
Emirates ID copy
Driving license
Vehicle registration card (Mulkiya)
Previous insurance details (if any)
Depending on the insurer, claims can take 3–10 working days. Top insurers like Oman Insurance and RSA are known for fast and efficient processing.