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Motor Insurance

Knowledge First

In the UAE, Motor Vehicle Insurance is guided by the Federal Authority, which prescribes the minimum required insurance for all Motor Vehicles registered.

Third Party Policy is the mandated bare minimum. However, with protection of your vehicle being essential, Comprehensive Vehicle Insurance becomes the preferred choice.

Comprehensive Vehicle Insurance Combines both:

  • Damage to Vehicle (Own Damage)
  • Liabilities to Third Parties for Property Damage (for instance, Vehicle Damage to the Other Car involved, or damage to Private or Government property) and Liabilities to Third Parties for Bodily Injury.  


Accidental Loss or Damage to the Motor Vehicle insured by any cause whatsoever including but not limited to:

  • Fire
  • Collision
  • Overturning
  • Malicious Damage
  • Theft
  • External Explosion
  • Whilst in Transit (within UAE)


  • Personal Belongings (i.e.) Clothing & personal effects
  • Emergency Medical Expenses
  • Personal Accident cover for Driver & Passengers
  • Natural Calamities like Storm, Flood, Earthquake, Hailstorm.
  • Windscreen Damage


  • United Arab Emirates
  • Sultanate of Oman (Optional)


  • Consequential Loss
  • Use of Vehicle by Unauthorized / Unlicensed Persons
  • Driving under the influence of Alcohol / Drugs
  • Outside the Geographical scope
  • Use for Hire or Reward


  • As the name suggests, this Product covers Losses arising out of Liabilities towards Third Parties. This may be in respect of vehicle damage to the other car involved, or damage to private or government property.  Or in respect of Bodily Injury to Third Parties (a person other than you).
  • This does not cover either your vehicle or you.
  • This is the most basic form of Vehicle Insurance being mandated by the Federal Authority.


  • Pedestrians (i.e. People moving on Public or Private roads)
  • Occupants of Other Vehicles
  • Occupants (other than Driver) of your own vehicle
  • Persons inside the Buildings / Fixed structures
  • Owners of the Property


  • Person driving the vehicle is at Fault
  • Bodily Injury occurred to Third Party
  • Damage to the Property of Third Party


Any amounts decided by Courts of Law (i.e.) Unlimited in the event of:

  • Death
  • Bodily injury
  • “Diya” – Blood Money
  • Medical expenses
  • Loss of Earnings
  • Compensation for Permanent Disability

Any amounts decided by the Courts of Law or negotiated by Insurance companies on:

  • Property Damage – up to specified limits for:
  • Other Vehicles involved in the accident
  • Damage to Buildings / Structures
  • Property inside Buildings / Shops / Homes etc.
  • Damage to Properties of Public Authorities
  • Road signs, Plants & Shrubs, Fence



  • RSA
  • AXA Gulf
  • Qatar Insurance
  • Oman Insurance
  • Tokio Marine Insurance & Other prominent Takaful providers.


Calculation of Premium mainly depends on:

  • Age of the Driver & Driving Experience.
  • Model & Value of the Vehicle.
  • Type of cover & Additional Extensions opted for.