Whether you are a current or future driver in the UAE, imagine being on the road through Sheikh Zayed, the skyline dazzled, music alive, and you are all buzzing about. On the contrary, you might never know what comes next; that’s where car insurance comes in as your trusty sidekick to cover you.
Think of it as a safety net for your wheels. Now, with the UAE being a constantly evolving car market, finding the right insurance is more like a treasure hunt. You want something that will fit your needs, save your pocket, and yet keep you protected.
This is why we stand to help you understand this adventure. Presently, the asset value of the insurance sector in the UAE is strong, with considerable growth projected up to 2025.
The market has plenty of action and is as alive as the UAE; staying in the know is all that counts. Buckle up as we plunge into the rocky seas of auto insurance in the UAE for 2025, ensuring you know what you need to safeguard your ride.
Comparative Analysis of Insurance Premiums and Coverage
Below is a general list of insurances:
| Insurance Company | Key Features |
| Salama | Shariah-compliant, comprehensive coverage |
| Adamjee Insurance | Efficient claims, customer-centric services |
| Watania | Innovative Takaful products |
| Abu Dhabi National Insurance Company | Tailored policies, extensive coverage |
| Abu Dhabi National Takaful | Ethical practices, comprehensive Takaful |
| AL Sagr National Insurance | Affordable, customer-first approach |
| Sukoon | Flexible, innovative policies |
| GIG Gulf | Roadside assistance, personal accident cover |
| Union Insurance | User-friendly, comprehensive coverage |
| MetLife UAE | International standards, local insights |
Salama Islamic Arab Insurance Company
Salama (Islamic Arab Insurance Company) was founded in 1979, and hence is one of the oldest and leading providers of international Takaful solutions in accordance to Shariah. Organized and registered in Dubai, Salama is listed on the Dubai Financial Market with a paid-up capital of AED 939 million, demonstrating its strong financial base. The company provides a series of insurance products ranging from auto, health, family, savings, and investment plans all of which conform to Islamic principles.
The Salama offers something for everyone in auto insurance:
- Comprehensive Car Insurance: Damages to your car are covered under this plan in case of accidents, thefts, fire, or natural calamities. Also included is a third-party liability.
- Third-Party Liability Insurance: This is a basic deal covering damages incurred by the insured car on a third party, including bodily injury and property damage.
- Vehicle Export Insurance: This policy provides coverage against damages incurred in transit while moving vehicles from one Emirate to another in the UAE.
Add-ons such as personal accident cover, roadside assistance, engine protection, off-road cover for SUVs, and extension cover for Oman enrich Salama’s auto insurance scheme. These optional add-ons permit policyholders to customize their coverage according to individual needs.
Adamjee Insurance
Adamjee Insurance Company Limited (AICL) was founded in 1960 and has become one of the foremost general insurers in the UAE. With more than six decades of insurance experience, Adamjee has developed a variety of motor insurance products to cater to the diverse needs of automobile drivers in the region.
Adamjee covers car insurance with a comprehensive product offering that entails the following coverage:
- Own Damage Protection: The insured vehicle is covered for damages arising from road accidents, fire, theft, or natural calamities.
- Third-Party Liability: Protects against liabilities arising from injuries or property damage to third parties.
- Personal Accident Cover: Provides coverage for death or injury of the driver and passengers.
- Roadside Assistance: A breakdown vehicle will be assisted, whether it needs towing to a garage or any urgent services at no extra cost.
- Replacement Vehicle: Provides a car for temporary use while the insured vehicle is undergoing repairs.
- Motoring and Repairs: Repairs will be done only at an authorized dealer workshop for good quality.
- No-claims Bonus: Discount on the premium for every claim-free year, encouraging safe driving behavior.
This plan will suit anyone looking for complete protection and peace of mind on the road.
Watania Takaful Car Insurance
Watania Takaful distinguishes itself as a standout Islamic insurance provider in the UAE, offering customers a spectrum of insurance products in accordance with Shariah Law. The plans of Watania Takaful are formulated, taking various needs into account, simultaneously ensuring policyholders are supplied with exclusive coverage and generous support.
The comprehensive car insurance plan by Watania Takaful provides ample coverage, such as the following:
- Own Damage Protection: Protection is offered for the vehicle against damages occurring on account of accidents, thefts, fire, or acts of God.
- Third-Party Liability: The policy covers all third-party legal liabilities which arise from property damage or with reference to bodily injury.
- Personal Accident Cover: Facility for extended benefits on account of injuries or death of the driver or passengers.
- Roadside Assistance: 24-hour provision for breakdowns, towing and all emergency services.
- Replacement Car: Loan of a temprary car during the insured car’s repair.
- Agency Repairs: Authourized repair workshops for quality repair solutions.
It is apt for someone looking to ensure a safe driving environment along with one’s family in the society.
Abu Dhabi National Insurance Company (ADNIC)
The Abu Dhabi National Insurance Company (ADNIC), founded in 1972, is a multi-line regional insurer with its headquarters in Abu Dhabi. ADNIC is licensed by the UAE Insurance Authority under License No. 1 and is listed on the Abu Dhabi Securities Exchange (ADX). ADNIC has been fully involved in insurance and reinsurance services for individuals and corporations throughout the Middle East and North Africa (MENA). With strong finances and an extensive network of branches, sales, and customer service centers throughout the country, ADNIC is known for its reliability and outstanding excellence in the general insurance industry.
Motor insurance from ADNIC is designed to complement all types of customers, providing both comprehensive and third-party liability coverage. Services are further endorsed with additional features: customer support 24/7, policy add-ons customized to clients‘ needs, and user-friendly online platforms for policy management and claims submission. This commitment to satisfying the needs of its clients is demonstrated further in the ease of the claims process through ADNIC, with the expeditious registration of claims through multiple channels and ready access connecting customers to authorized repair shops and workshops.
Abu Dhabi National Takaful Company (ADNTC)
With strong roots planted in 2003 by a joint establishment by Abu Dhabi Islamic Bank (ADIB) and Abu Dhabi Investment Company, Abu Dhabi National Takaful Company (ADNTC) is now a name to reckon with in the field of Sharia-compliant insurance products across the United Arab Emirates. Headquartered in Abu Dhabi with branches in Dubai and Al Ain, the ADNTC company has a product offering that covers the entire spectrum of Takaful products, including motor, property, family, medical, and marine cargo.
Key Features of ADNTC Car Insurance:
- Comprehensive Coverage: Protection against damages to your vehicle due to accidents, fire, theft, and natural calamities.
- Third-Party Liability: Covers legal liabilities arising from bodily injury or property damage to third parties.
- Personal Accident Cover: Compensation for injuries or death of the driver and passengers.
- Roadside Assistance: 24/7 support for breakdowns, towing, fuel delivery, battery assistance, and flat tire repairs.
- No-Claim Bonus: Discounts for claim-free years, encouraging safe driving.
- Easy Claims Process: Convenient claim filing through online portals or mobile apps.
- Flexible Add-Ons: Options like replacement car cover, agency repairs, and engine protection to tailor your policy.
Al Sagr National Insurance
Established in 1979, Al Sagr National Insurance Company (ASNIC) is one of the then-defined companies in which the insurance sector would open up to within United Arab Emirates. It encompasses motor, medical, travel, life, and property insurance, offering in all its more than 40 years of existence. This has established the company as a truly consummate company because it has branches throughout the UAE just as fully managed plans for different client requirements.
Robust motor insurance provides the customer with a plan whereby extensive coverage is granted together with the coverage for maximum peace of mind to vehicle owners. The main features are:
- Comprehensive Protection: Insurance against loss or damage to the insured vehicle due to accidents, theft, fire, and natural calamities.
Third-Party Liability: Coverage against liabilities for bodily injury or property damage caused to third parties.
- Personal Accident Coverage: Covers for injuries on the driver and passengers in case of an accident.
- Roadside Assistance: Compliments 24/7 with tows, battery boost, flat tire changeovers, and emergency fuel delivery.
- Agency Repairs: Avantage from the approved dealer workshops for quality repairs provided agency and non-agency repairs have been opted for.
- No-Claim Discount: Claim-free years will accrue to enjoying a safe driving habit by providing incentives.
Innovative motor insurances offered by ASNIC are in fine fashions by taking care of the individual’s needs so that a customer can get suitable coverage as per requirement.
Sukoon
In terms of car insurance, it is so far best in the UAE to use the services offered by Sukoon Insurance because of its voyeuristic reliability. Formerly known as Oman Insurance Company, Sukoon has been the cornerstone with which the company built the region up to 1975. Then, it rebranded from Oman Insurance Company into Sukoon in the year 2022 to further shape the customer’s perception through product innovation and customer-centric insurance solutions.
Why you should consider Sukoon for your car insurance?
- It’s got a great lineup of coverage for needs: Various car insurance plans offered by Sukoon are customized to meet multiple needs. Comprehensive, third-party liability, or even plans designed particularly for luxury vehicles-have what you need here.
- Customer-Centric Approach: With an 86% satisfaction rate among customers of Sukoon as of 2023, the company cares most about the peace of mind of its customer base. Thus, the support team is completely dedicated to ensuring that the insurance experience is smooth and simple.
- Innovative Digital Solutions: Managing your car insurance has never been easier. If you feel like obtaining quotes, purchasing policies, or filing claims, you can do so in just a few taps on the easy-to-navigate website or mobile app of Sukoon.
- Special Benefits for Luxury Vehicle Owners: High net worth individuals availing of the Privilege Motor Insurance plan with Sukoon enjoy better coverage and other high-end services made available to them.
Gulf Insurance Group (GIG Gulf)
In the UAE, Gulf Insurance Group GIG Gulf is one of the principal insurers with car-insurance products targeting all taste buds of the customer. GIG Gulf has a rich experience of over 70 years in the Middle East insurance industry and is now a strong player and provider of comprehensive and third-party insurance for cars.
Features of GIG Gulf Car Insurance:
- Comprehensive Coverage: Against loss of or damage to the vehicle in the event of accidents, theft, fire, and natural disasters.
- Third-Party Liability: Covers bodily injury and property damage to third parties.
- Personal Accident Cover: Compensation for injuries or death of the driver and passengers.
- Roadside Assistance: Support services are provided 24 -Hours, including towing, battery boosting, flat-tyre changes, and emergency fuel delivery.
- No-Claim Discount: Incentives for claim-free years customized to motivate policyholders to develop safe driving habits.
GIG Gulf continues to embody customer satisfaction through its easy claims for the different classes of insurance it offers and multilingual customer support to provide a great experience for its policyholders.
Union Insurance
Formed in 1998 with its office in Dubai, Union Insurance is today one of the largest providers of insurance solutions across the United Arab Emirates. Roofs can cover individuals and corporations under motor, health, life, travel, and property insurance. Known for customer-friendly centricity, it offers flexible, tailored, and specifically molded products to meet a wide variety of requirements.
Major Protections Benefiting Union Car Insurance:
- Full Coverage: Provides an assurance against damages to your car from accidents, theft, fires, and natural calamities.
- Third-party Liability: This covers the different legal liabilities arising from bodily injuries or property damages caused to third parties.
- Personal Accident Cover: For injuries or death to the driver and passengers.
- Roadside Assistance: A 24-hour service offer comprises of Towing, flat tire change, battery boosting, and low fuel emergency delivery.
- Agency Repairs: Provide access to the authorized dealer workshops to carry out repairs of the best quality.
- No-claim discount: Rewarding claim-free years so that a culture of safe driving is developed.
- Online Services: Convenience in the management of online policy and online submission of claims on the company website.
Union Insurance encompasses innovations and customer satisfaction in their websites, and they can do everything with the website: purchase, renew, and manage their policy. By giving timely help in the claims process at Union Insurance, not only does the policyholder get this, but the comfort of worries taken care of, too. Because Union Insurance seems financially solid and wholly dedicated to service excellence, it remains the most trusted choice people make for car insurance in the UAE.
MetLife UAE
MetLife UAE, which is part of one of the famous global companies, MetLife, in recent years has made contributions to the development of insurance solutions that have been committed to different types of needs for individuals as well as companies. Notably, the primary products that are offered in UAE as far as MetLife is concerned are life, health, and accident insurance, but MetLife has a global experience in designing all sorts of insurance services for customers to attain the best support and effective coverage. In addition to that, for auto insurance needs, MetLife works with partners to provide complete solutions based on their high standards.
A comprehensive cover protects the insured/vehicle against loss or damage due to accidents, theft, fire, and natural disasters.
- Third-party liability covers death and destruction of physical property of any third parties.
- Personal accident cover: incomet for injuries or death of the driver and passengers.
- Roadside assistance– service such as 24/7 towing, battery boost, flat tire change, and emergency fuel delivery are provided.
- Incentives for claim-free years: No-claim discount will encourage good driving habits.
- Online services– to avail easy online access to policy and file claims over straightforward portals.
There are probably many who will have better-equalized customers in terms of claims processes as well as have better multilingual customer assistance for hassle-free life for policyholders.
Conclusion
The car insurance market in the UAE is pretty difficult to navigate. What helps is being aware of the features available per company. Salama, Adamjee Insurance, Watania, Abu Dhabi National Insurance Company, Abu Dhabi National Takaful Company, Al Sagr National Insurance, Sukoon Insurance, Gulf Insurance Group, Union Insurance, MetLife UAE-all have their individualized advantages defined mostly by the perceived differences of people’s need, and therefore these will help a company in making an informed decision for each individual.
This means finding out what different things should be evaluated when going in search of a car insurance provider, such as types of coverage, customer service quality, efficiency in claim processing, and other such perks. With the right assessment of these according to personal requirements, the result is an increased chance of being covered completely and having some peace of mind on the roads of the UAE.
