UAE is renowned for its stunning landscapes, and a deep passion for automobiles and with the growing number of vehicles on the road, car insurance has become essential. Getting a car insurance is mandatory for all cars in UAE and is needed to be purchased when obtaining your vehicle registration for the first time or at the time of your annual vehicle registration renewal.

Before choosing the insurance provider, it is important to decide whether you want to go for a comprehensive insurance or third-party insurance. 

If you’re seeking a reliable car insurance provider in the UAE, you’re in the right place. This comprehensive guide offers detailed information on car insurance companies across the UAE with their contact details to help you make an informed decision.

1. Sukoon Insurance (Previously Oman Insurance)

Sukoon Insurance, formerly known as Oman Insurance Company, is a well-known car insurance provider in Dubai. With a 40-year history in the UAE, it stands as one of the oldest insurance companies in the region.

• Location: Omar Bin Al Khattab Street, next to Al Ghurair Mall, Deira, Dubai
• Contact: 800 SUKOON (785666)
• Website: https://www.sukoon.com
• Offers both Comprehensive and Third Party Insurance
  • Comprehensive Insurance - Starting from AED 1890/year
  • Third Party Insurance - Starting from AED 630/year

2. Watania Takaful (Previously Noor Takaful)

Watania Takaful, formerly known as Noor Takaful, is a leading car insurance provider in the UAE. As a Sharia-compliant company, Watania offers comprehensive car insurance plans tailored to meet diverse needs.

• Location:
  • The Galleries, Building 2, Level 13, Downtown Jebel Ali, Dubai

  • 4th Floor, Al Jazeera Club Tower A, Abu Dhabi

  • Fathiya Lutfi Building, (Next to Choithram), Abu Shagara, King Faisal Road, Sharjah

• Contact: 800 WATANIA (9282642)
• Website: https://www.watania.ae
• Offers both Comprehensive and Third Party Insurance
  • Comprehensive Insurance - Starting from AED 2500/year
  • Third Party Insurance - Starting from AED 630/year

3. GIG Gulf (Previously Known as AXA)

GIG Gulf, previously known as AXA, is a French multinational company with over 70 years of experience in the Gulf insurance market. Recognized as one of the top car insurance providers in the UAE, GIG Gulf offers competitive comprehensive car insurance plans, including Motor Prestige and Motor Perfect. Known for its excellent motor insurance, GIG Gulf provides round-the-clock multilingual customer care and a transparent claims process.

• Location:
  • Churchill Executive Towers, Business Bay, Dubai

  • National Consultative Council Complex - Building 11 A&B - 11th St - Al Nahyan - Abu Dhabi

• Contact: 800 AXA (292)
• Website: https://www.giggulf.ae/
• Offers both Comprehensive and Third Party Insurance
  • Comprehensive Insurance - Starting from AED 2000/year
  • Third Party Insurance - Starting from AED 630/year

4. Al Sagr Insurance

Established in 1979, Al Sagr Insurance is one of the top 10 car insurance companies in the UAE. Headquartered in Dubai, Al Sagr Insurance offers comprehensive car insurance plans that provide financial coverage for policyholders, their beneficiaries, and their vehicles.

• Location: Single Business Tower, Sheikh Zayed Road, Dubai, UAE
• Contact: 800 UIC4U (84248)
• Website: https://www.unioninsurance.ae/
• Offers both Comprehensive and Third Party Insurance
  • Comprehensive Insurance - Starting from AED 1261/year
  • Third Party Insurance - Starting from AED 630/year

5. Al Fujairah National Insurance Company (AFNIC)

AFNIC is the only insurance company in the UAE headquartered in Fujairah. It is renowned for offering some of the best car insurance plans in the country, coupled with excellent claims service.

• Location: 8th Floor, Insurance Bldg, Hamad Bin Abdullah St., Fujairah, UAE 
• Contact: +971 9 223 3355 
• Website: https://afnic.ae/
• Offers both Comprehensive and Third Party Insurance
  • Comprehensive Insurance - Starting from AED 1500/year
  • Third Party Insurance - Starting from AED 610/year

6. Union Insurance

Union Insurance was established in 1998 and since then has been a leading force in the insurance market. They are well known for their wide range of insurance products. Union Insurance is licensed by the UAE Insurance Authority and is also listed on the Abu Dhabi Securities Exchange.

• Location: 8th Floor, Insurance Bldg, Hamad Bin Abdullah St., Fujairah, UAE 
• Contact: +971 9 223 3355 
• Website: https://afnic.ae/
• Offers both Comprehensive and Third Party Insurance
  • Comprehensive Insurance - Starting from AED 1500/year
  • Third Party Insurance - Starting from AED 630/year

7. Salama Insurance

Since 1979, Salama Insurance has been serving customers with comprehensive car insurance, third-party liability, and vehicle export insurance. Online purchases come with an instant 10% discount.

• Location: 4th Floor, Block A, Spectrum Building, Oud Metha, Dubai   
• Contact: 800-SALAMA (800-725262)
• Website: https://salama.ae
• Offers both Comprehensive and Third Party Insurance
  • Comprehensive Insurance - Starting from AED 1680/year
  • Third Party Insurance - Starting from AED 630/year

8. Abu Dhabi National Insurance Company (ADNIC)

Founded in 1972, Abu Dhabi National Insurance Company PJSC (ADNIC) is a leading insurer headquartered in Abu Dhabi and offers a wide range of insurance solutions. ADNIC is the second-largest insurer in the UAE by premium and one of the largest in the GCC.

• Location: ADNIC Head Office, Building No. 403, Abu Dhabi
• Contact: 8008040 | WhatsApp: +971 2 408 0900
• Website: https://adnic.ae
• Offers both Comprehensive and Third Party Insurance
  • Comprehensive Insurance - Starting from AED 1800/year
  • Third Party Insurance - Starting from AED 630/year

Frequently Asked Questions (FAQs)

How many types of car insurance are there in the UAE?

In the UAE, car insurance comes in two main types:

• Comprehensive Car Insurance: Provides extensive coverage for your vehicle, including accidents and third-party damage.
• Third-Party Car Insurance: Covers injury and damage to third parties but not your own vehicle.

Is the insurance premium same for all cars?

No, the insurance premium varies from one car to another and it also varies from one driver to another. Please check with the respective insurance provider to check what is the calculated premium for you.

Check out used cars for sale in the UAE for yourself and get them insured before taking them out on the road.   

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