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Car Insurance in Abu Dhabi in 2021
According to the UAE RTA Law, it is compulsory to have car insurance in the UAE. Irrespective of the emirates you live in, if you own a car in the UAE, it is important and mandatory to get car insurance. UAE Nationals, Expats, anyone who drives a car in the UAE should make sure they are driving an insured car. There is no separate car insurance provided for each emirate in the UAE. The car insurance you get in the UAE will be valid for the entire UAE and regions in the Middle East depending upon the Add-Ons.
List of Best Car Insurance companies in Abu Dhabi - 2021
There are two types of car insurance in Abu Dhabi, UAE - Comprehensive Car Insurance and Third-Party Car Insurance. There are several car insurance companies in Abu Dhabi that offer the best insurance policies with high coverage and benefits for the residents. But before buying car insurance in Abu Dhabi, it is important to compare different policies and pick the right one that suits your car and requirements.
Here’s the list of best car insurance in Abu Dhabi in 2021
| Best Car Insurance Company | Benefits |
| Noor Takaful Insurance | - 24*7 Roadside Assistance - Agency Repairs - Offers discount on No Claim - Driver and Passenger Cover is provided - Upto AED 2 Million is covered under Third-Party Coverage - Provides coverage on Natural Calamities, Valet Parking - Emergency Medical Expenses are covered upto AED 4000 |
| Tokio Marine Car Insurance | - Get free Roadside Assistance 24*7
|
| Oman Insurance Company | - Personal Accident Cover for Driver & Passengers up to AED 200,000
- Coverage for Valet Parking Theft - Automated Claims - Emergency Medical Expenses upto AED 5000 |
| NIA (The New India Assurance Co.Ltd) | - Personal Accident Cover to Driver & Passenger is provided - Accident, Accident Collision or Overturning coverage- Coverage for theft, fire, external explosion, self-ignition, etc. - Provides roadside assistance - Rent a car, Agency Repairs - Coverage during natural calamities - Windscreen damage coverage - Off-road coverage |
| AXA Gulf Car Insurance | - Can get the vehicle repaired at AXA Gulf partnered agencies - RTA inspection is done by AXA itself - Pickup and drop facility is provided if your car is in service- 24/7 roadside assistance - Off-road coverage - Oman extension is provided - Provides coverage on Natural Calamities damage - Can get Emergency Medical Expenses coverage upto 6000 |
| Al Sagr Car Insurance | - Can avail Vehicle Replacement Benefit - Upto AED 2 Million is covered under Third-Party Coverage - Provides Agency Repairs Facility - 24/7 roadside assistance - Off-road coverage - Oman extension is provided |
| Al Fujairah National Insurance Company (AFNIC) | - Provides both Agency Repair and Non-Repair Cover - Provides Oman cover with Orange Card - Natural disaster cover is provided - Emergency Roadside Assistance Cover is provided - Provides coverage on damages like theft, fire, collisions, overturning, etc. |
| Oriental Car Insurance | - Personal Accident benefits cover for driver and passengers up to AED 200,000 - Agency repair service is provided - Provides coverage on damages like theft, fire, collisions, overturning, etc. |
| Salama Takaful Car Insurance | - Provides No Claim Discount
- Easy Claim Process |
| RSA Car Insurance | - Provides Vehicle Inspection
|
| Dubai Insurance | - Emirates NBD Credit Cardholders can avail Buy Now Pay Later option - Upto AED 2 Million Coverage is provided on Third-Party Coverage - Agency Repair is provided - Valet Parking Theft Cover is Provided - Get Lockout Service, Roadside Assistance, Battery Boost, Flat Tyre, Towing, Fuel Delivery Service, Vehicle Recovery Service, Airport Pickup and drop, Airport Meet & Greet, etc. |
How to Get the Best Car Insurance in Abu Dhabi
Though there are many car insurance providers in Abu Dhabi, UAE, not all companies offer the same coverage and benefits for your car. Therefore, it is the car owner’s responsibility to go through all the policies, compare the best one and pick the right one.
Steps to Buy the Best Car Insurance in Abu Dhabi
- Check the Premium Value - It is important to compare different insurance companies with the premium value offered for your car. The car insurance premium value changes according to the vehicle type, model, brand, year and much more. Compare the car insurance quotes provided for your car.
- Check the benefits - Along with the car insurance premium value, it is required to compare the coverage provided. If the insurance provider is offering the basic coverage for a high premium value compared to other providers then it can be a financial loss for you. Pick the ones that offer good coverage at an affordable premium value.
- Check the Add-Ons - Add-Ons can be important depending upon factors like the place you live and the coverage the provider is offering. If you stay at a place where sandstorms mostly occur then you can get an Add-On that can cover you during damages caused by sand or dust storms. But ensure you don’t get add-ons that are of no big use as the add-ons will increase your premium value.
- Understand the claim process and terms - It is important to read the terms and conditions of your policy along with the claim process. Check when you can make the claim, eligibility conditions for the claim, claim reimbursement duration, documentation, etc.
- Purchase - Finally buy the best car insurance policy in Abu Dhabi only after understanding the coverage and claim process which will help you in saving money and have a hassle-free experience.
FAQs
Q. Should I get car insurance if I’m travelling outside the UAE?
A. If you frequently travel outside UAE, you can get an Add-On on your car insurance policy that is valid in the GCC nations.
Q. Can I get car insurance for luxury brands in Abu Dhabi?
A. Yes. You can buy car insurance for any brand in Abu Dhabi, UAE.
Q. Do Car Insurance in Abu Dhabi cover theft claims?
A. Yes. The insurance providers offer theft add-on on the insurance policy.
Q. What is a No Claim Discount on car insurance?
A. The No-Claim Discount is a discount provided on the car insurance if you have not claimed car insurance in the previous years.
Q. Can I get car insurance in Abu Dhabi without a driving licence?
A. No. It is mandatory to get a driver’s licence to get car insurance in Abu Dhabi.
Q. How many Add-Ons can we add to the car insurance in Abu Dhabi?
A. You can add multiple add-ons to your car insurance policy in Abu Dhabi based on your requirement.
Q. Do we need to get car insurance for used cars in Abu Dhabi?
A. Yes. Car Insurance is mandatory in the UAE for both used and new cars.
