Car Insurance

Car Insurance in 5 Minutes callback Guarantee

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Car Insurance
Car Insurance
Car Insurance

What is Car Insurance?

Auto Insurance (also known as Car Insurance or Motor Insurance) is a contract between you and an insurance company where you pay a regular fee (called a premium), and in return, the company agrees to pay for certain financial losses related to your vehicle as outlined in the policy.

In simple terms, it is a form of protection that helps cover the costs if your car is damaged, stolen, or if you cause damage to someone else’s property or injuries to other people.

There are two main types of Car Insurance in the UAE 

Third-Party Liability Insurance:This is the minimum legal requirement. It only covers the damage and injuries you cause to other people and their property. It does not cover any repairs to your own car if you are at fault. 

Comprehensive Insurance:This is the best coverage. It includes Third-Party Liability and also covers damage to your own vehicle from accidents, theft, fire, vandalism, and natural disasters (like floods), even if you are at fault.

Documents Required for Car Insurance in the UAE

The documents needed depend on whether the car is registered under a single person’s name or a company name.For a Single Person (Individual Registration) For Car Insurance 

This is the most common scenario. You will typically need:

Vehicle Registration Card (Mulkiya):The most important document. It shows the vehicle details and the owner’s name.

Driver’s License Copy:Of the main driver(s) to be covered by the policy.

Emirates ID Copy:Of the car owner.

Passport Copy with Visa Page:Of the car owner.

Previous Insurance Policy No Claims Discount (NCD) Letter:If you are switching insurers, this letter from your previous company proves your claim-free history to get a discount on your new premium.

For a Company Name (Corporate Registration)

When the vehicle is owned by a company, the requirements are slightly different:

  1. Vehicle Registration Card (Mulkiya):Must show the company’s name as the owner.
  2. Trade License Copy:Of the company that owns the vehicle.
  3. Company Representative’s Emirates ID & Passport Copy:The person authorized to handle the insurance purchase for the company.
  4. List of Drivers (Optional but recommended):Some companies provide a list of employees who will drive the car to get more accurate premiums. Otherwise, the policy may default to covering “any driver,” which can be more expensive.
  5. Previous Insurance Policy & NCD Letter:Same as for individuals.

Summary Table: Documents Needed

Document

Individual Owner

Company Owner

Mulkiya (Vehicle Registration Card)

✅ Required

✅ Required

Driver’s License(s)

✅ Required

✅ Required (for main drivers)

Emirates ID

✅ Required (Owner)

✅ Required (Company Rep)

Passport & Visa

✅ Required (Owner)

✅ Required (Company Rep)

Trade License

❌ Not Needed

✅ Required

NCD Letter

✅ If applicable

✅ If applicable

Authorization Letter

❌ Not Needed

Often Required

Pro Tip for a Fast Process: The easiest way to get insured is to use an online insurance aggregator like www.quickapplyuae.ae these site allow you to:

  1. Enter your details once.
  2. Compare quotesfrom multiple insurance companies’ side-by-side.

 

I found lists of UAE insurance / takaful companies. It may not be *every single* one (there are many, including smaller/foreign branches), but here are dozens of the **licensed insurance / takaful companies** operating in UAE, as per recent registers & directories:

 Insurance / Takaful Companies in UAE

Abu Dhabi National Insurance Company

Abu Dhabi National Takaful Company

Adamjee Insurance Company Limited

Al Ain Ahlia Insurance Company 5. Al Buhaira National Insurance Co

Al Fujairah National Insurance Company PSC

Al Hilal Takaful PSC

Al Ittihad Al Watani General Insurance Company

Al Sagr National Insurance Company (ASNIC)

Al Watania Takaful

Al Wathba National Insurance Company (AWNIC)

Salama – Islamic Arab Insurance Company

Watania Insurers (National Takaful Company Watania

Sukoon Insurance (formerly Oman Insurance Company)

Union Insurance Company

Noor Takaful

The National Insurance Company Daman

Arabia Insurance Company

Al Dhafra Insurance Company

Al Khazna Insurance Company

National General Insurance Company

Orient Insurance PJSC

Ras Al Khaimah National Insurance Company (RAKNIC)

Al Buhaira National Insurance Company

Dubai Insurance Company

Dubai Islamic Insurance & Reinsurance Company (AMAN)

Hayah Insurance Company (formerly GCIC)

QIC (Qatar Insurance Company, UAE branch)

MedGulf The Mediterranean & Gulf Insurance & Reinsurance Co. B.S.C. (Dubai Branch)

The New India Assurance Company Limited

Jordan Insurance Company Ltd

United Fidelity Insurance Company – Dubai Branch

Arabian Scandinavian Insurance Company

Tokio Marine ([ISAHO][4])

Saudi Arabian Insurance Company

Cigna Insurance Middle East (S.A.L) –

Orient UNB Takaful PJSC

Insurance House PSC