from 0.45% | H&M + P&I | Bind in 3-5 Days
Marine Hull Insurance UAE 2026 from 0.45 Percent
UAE Commercial Vessel Cover. Hull and Machinery plus P&I. Specialized protection for OSVs, tugs, barges, dredgers, and tankers in UAE waters and global trade.
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CBUAE Licence 273
DHA Broker BRK-0017
35+ Approved Insurers
ABS, DNV, LR, BV Class Supported
35 Insurers on one screen
Sanad Club Rewards
CBUAE Licence 273
DHA Broker BRK-0017
35+ Approved Insurers
ABS, DNV, LR, BV Class Supported
35 Insurers on one screen
Sanad Club Rewards
CBUAE Licence 273
DHA Broker BRK-0017
35+ Approved Insurers
ABS, DNV, LR, BV Class Supported
35 Insurers on one screen
Sanad Club Rewards
CBUAE Licence 273
DHA Broker BRK-0017
35+ Approved Insurers
ABS, DNV, LR, BV Class Supported
35 Insurers on one screen
Sanad Club Rewards
Marine Hull Insurance UAE 2026 from 0.45 Percent
UAE Commercial Vessel Cover. Hull and Machinery plus P&I. Specialized protection for tugs, barges, OSVs, tankers, dhows, and shipyard Builders Risk.
UAE waters host more than 2,800 commercial vessels serving ADNOC and international trade. eSanad provides specialist Hull and Machinery (H&M) and Protection and Indemnity (P&I) placements for tugs, OSVs, tankers, and traditional dhows. We support all major classification societies including ABS, DNV, LR, BV, and IRS. eSanad is licensed by the Central Bank of the UAE (Licence 273) and registered with the Dubai Health Authority (BRK-0017).
2026 Pricing Snapshot: Marine Hull Benchmarks
| Vessel Type | Typical GT / Value | H&M Rate | Premium from (AED) |
|---|---|---|---|
| Small Dhow | 100 GT / AED 800K | 0.60% | 4,800 |
| Wooden Abra / Launch | 50 GT / AED 400K | 0.80% | 3,200 |
| Tugboat (2,500 BHP) | 400 GT / AED 8M | 0.55% | 44,000 |
| AHTS or OSV | 1,800 GT / AED 45M | 0.50% | 225,000 |
| Container Feeder | 7,000 GT / AED 60M | 0.45% | 270,000 |
| Product Tanker | 12,000 DWT / AED 90M | 0.60% | 540,000 |
| Dredger (TSHD) | 6,000 GT / AED 180M | 0.75% | 1,350,000 |
| Luxury Charter Yacht | 500 GT / AED 75M | 0.55% | 412,500 |
Disclaimer: Premiums indicative, subject to underwriting, details, T&Cs.
Why UAE Vessel Owners Choose eSanad
- Specialist Hull Desk: Expert coverage from traditional dhows to advanced dredgers and tankers.
- P&I Club Access: Placement with fixed-premium and mutual markets including Tokio Marine.
- Shipyard Builders Risk: New construction cover at Drydocks World, ADSB, Grandweld, and Albwardy Damen.
- Mortgage Compliance: Mortgagee Interest Insurance (MII) drafted to meet UAE bank requirements.
- Loss of Hire: Optional coverage for charter income lost during repairs.
- In-house Claims: Dedicated claims advocacy with a network of approved marine surveyors.
Coverage Summary & Clauses
Hull and Machinery (H&M)
Typically written on Institute Time Clauses Hulls (ITC Hulls 1/10/83 or 1/11/95), covering:
- Perils of the sea (stranding, sinking, collision).
- Fire, explosion, and violent theft/piracy.
- Bursting of boilers and breakage of shafts.
- 3/4ths Collision Liability (RDC).
- Negligence of master, officers, crew, or pilots.
- General average and salvage contributions.
Protection and Indemnity (P&I)
Crucial liability coverage for vessel owners, including:
- Crew injury, illness, death, and repatriation.
- Oil pollution liability (CLC and OPA compliance).
- Cargo liability (shortage, damage, or delay).
- Wreck removal and associated port fines.
- 1/4th Collision Liability plus property damage.
EEAT: Trust, Expertise & Practical Tips
Experience: Hull placements for UAE tug fleets, OSVs in Abu Dhabi, feeder lines, and super yachts since 2010.
Expertise: Specialists in ITC Hull clauses, P&I placement, and Builders Risk drafting for major UAE shipyards.
Marine Broker Tips
- Tip 1: Bundle H&M and P&I. Most owners need both. H&M covers your vessel damage; P&I covers your liabilities to third parties and crew.
- Tip 2: Add War Risks for High-Risk Areas. Standard hull policies exclude war. If trading in the Red Sea or Gulf of Aden, buy a War Risks policy with live market premium.
- Tip 3: Maintain Class Certification. An expired class certificate can void your cover instantly. Ensure your annual and special surveys are updated and shared with eSanad.
Frequently Asked Questions
It covers physical damage to the vessel and machinery, along with 3/4ths collision liability, typically using ITC Hulls 1/10/83 or 1/11/95 clauses.
H&M covers your own vessel damage. P&I covers your liabilities to crew, passengers, cargo, pollution, and wreck removal. Most commercial owners require both.
While not federally mandatory for all, it is required by the FTA for vessel registration and by banks for any mortgaged vessel.
Yes. eSanad has specialist underwriters for traditional wooden dhows and abras, with rates ranging from 0.60 to 1.20 percent based on age and condition.
Wreck removal is typically covered under P&I liability, not H&M. This is a critical requirement from UAE port authorities.
It is an optional cover that pays for lost charter income while a vessel is undergoing repairs following an insured peril.
For standard tugs or dhows, it takes 3 to 5 working days. Larger vessels like tankers or dredgers may take 2 to 4 weeks and require a survey.
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© 2026 eSanad Insurance Broker. Licensed by the Central Bank of the UAE (Licence 273) and registered with the Dubai Health Authority (BRK-0017).
Specialist Marine Placements for Jebel Ali, Khalifa Port, and UAE Shipyards.