Easy Online Motor Insurance. Compare the Best UAE Plans in Minutes
Compare plans from top UAE insurers, no fine print, no hidden costs. eSanad is 100% licensed and built for drivers across the Emirates.
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eSanad. Your Digital Car Insurance Partner in the UAE!
Looking for fast, affordable car insurance in Dubai, Abu Dhabi, or anywhere in the UAE? eSanad makes it easy. Instantly compare third-party liability and comprehensive car insurance plans from top UAE insurance companies, with instant policy issuance, 100% licensed coverage, and no hidden fees, all in just a few clicks.
What Is Car Insurance in the UAE?
Car insurance -also called motor or auto insurance- provides essential financial protection on UAE roads. If your vehicle is damaged, stolen, or involved in an accident that harms others, your insurance helps cover the costs including repairs, medical expenses, and legal liabilities. In the UAE, having car insurance isn't optional, it's the law. Whether you choose third-party liability or comprehensive coverage, the right policy keeps you legally compliant and financially secure every time you drive.
Why Do You Need Car Insurance in UAE?
- Protects you financially against accidents, damages, and third-party liabilities.
- Ensures peace of mind while driving in busy cities like Dubai and Abu Dhabi.
- Covers unexpected risks like fire, theft, and natural disasters.
- It is mandatory by UAE law to drive.
Benefits & Reasons to Buy
- Avoid legal fines and penalties.
- Mandatory for vehicle registration and renewal.
- Access to 24/7 customer support.
- Helps you comply with RTA and traffic laws.
Why do you need Car Insurance in UAE?
Car insurance in the UAE is more than a requirement, it's your legal and financial safeguard. By law, authorities require every vehicle to be insured to register or renew its license.
But beyond compliance, car insurance protects you when you need it most
Accident Protection:
Covers repair costs or replacement of your vehicle.
Third-Party Liability
Ensures you're covered if you injure others or damage their property.
Unexpected Risks:
Fire, theft, and natural disasters are included in most comprehensive policies.
Peace of Mind:
Stay confident on the road, knowing you're fully protected and compliant.
With eSanad, you get more than the minimum. We bring you transparent, digital, fast, and designed around your needs.
Product Overview
Comprehensive & Flexible Coverage Options
Wide range of add-ons
Fast Quotes & Instant Policy Issuance
Instant issuance of policy documents upon purchase
Savings & Trusted Support Network
Discounts for safe driving, large network of trusted repair shops.
Key Features of eSanad Car Insurance
Comprehensive Coverage
Protects your car against accidents, theft, natural disasters, and third-party liabilities.
Third-Party Liability
Covers damages or injuries caused to other people, vehicles, or property.
Flexible Plans
Choose from multiple insurance options tailored to your budget and driving needs.
Roadside Assistance
24/7 emergency help for breakdowns, towing, fuel delivery, and more.
Replacement Car Option
Stay mobile with a temporary car while yours is under repair.
GCC Coverage
Extended protection across GCC countries for frequent travelers.
Personal Accident Benefit
Financial protection for driver and passengers in case of injury or death.
No Claim Discount (NCD)
Rewarded with discounts for safe driving and claim-free years.
Easy Renewals
Hassle-free online policy renewals with reminders so you never miss a deadline.
Comprehensive Coverage
Protects your car against accidents, theft, natural disasters, and third-party liabilities.
Third-Party Liability
Covers damages or injuries caused to other people, vehicles, or property.
Flexible Plans
Choose from multiple insurance options tailored to your budget and driving needs.
Roadside Assistance
24/7 emergency help for breakdowns, towing, fuel delivery, and more.
Replacement Car Option
Stay mobile with a temporary car while yours is under repair.
GCC Coverage
Extended protection across GCC countries for frequent travelers.
Personal Accident Benefit
Financial protection for driver and passengers in case of injury or death.
No Claim Discount (NCD)
Rewarded with discounts for safe driving and claim-free years.
Easy Renewals
Hassle-free online policy renewals with reminders so you never miss a deadline.
Types of Coverage & Plans
Comprehensive Car Insurance
- Covers both your car and third-party damages.
- Protection against accidents, fire, theft, and natural disasters.
- Ideal for new or high-value cars.
Third-Party Liability Insurance
- Mandatory by UAE law.
- Covers damages to other vehicles, property, or people.
- Affordable option for budget-conscious drivers.
Commercial Vehicle Insurance
- Designed for fleets, pickups, vans, and buses.
- Protects against accidents, theft, and third-party liability.
- Flexible add-ons for business needs.
Classic Car Insurance
- Special coverage for vintage and collectible vehicles.
- Tailored protection considering car value and limited usage.
Electric Vehicle (EV) Insurance
- Custom plan for electric cars.
- Covers battery, charging equipment, and unique EV risks.
Add-On Plans & Benefits (Optional)
- Roadside Assistance
- Replacement Car
- GCC Coverage
- Personal Accident Benefit
- No Claim Discount Protection
Comprehensive Car Insurance
- Covers both your car and third-party damages.
- Protection against accidents, fire, theft, and natural disasters.
- Ideal for new or high-value cars.
Third-Party Liability Insurance
- Mandatory by UAE law.
- Covers damages to other vehicles, property, or people.
- Affordable option for budget-conscious drivers.
Commercial Vehicle Insurance
- Designed for fleets, pickups, vans, and buses.
- Protects against accidents, theft, and third-party liability.
- Flexible add-ons for business needs.
Classic Car Insurance
- Special coverage for vintage and collectible vehicles.
- Tailored protection considering car value and limited usage.
Electric Vehicle (EV) Insurance
- Custom plan for electric cars.
- Covers battery, charging equipment, and unique EV risks.
Add-On Plans & Benefits (Optional)
- Roadside Assistance
- Replacement Car
- GCC Coverage
- Personal Accident Benefit
- No Claim Discount Protection
Product Requirements in UAE
For Individuals
Valid UAE Driving License
Emirates ID (Front & Back)
Passport & Visa copy (for expatriates)
For Companies (Commercial Vehicles)
Trade License copy
Company Owner's Emirates ID
Vehicle Registration Card (Mulkiya)
Who is Eligible for Car Insurance in UAE?
Car insurance is available across all Emirates, including Abu Dhabi, Dubai, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah.
UAE Nationals – Citizens
with valid Emirates ID and driving license.
Expatriates/Residents
Foreign nationals with residence visa, Emirates ID.
Companies & Businesses
For fleets, rentals, pickups, vans, and buses.
New Drivers
Subject to license validity and insurer's policy.
Experienced Drivers
No-claim history may enjoy special discounts.
eSanad provides coverage options tailored for both private and commercial vehicles across the UAE, ensuring convenience no matter where you are located.
Top Car Insurance Providers in UAE
Sukoon Insurance
Trusted, digital-first, strong EV & luxury coverage.
Watania Takaful
Sharia-compliant plans with transparent pricing.
GIG Gulf
Flexible packages, reliable claims, multilingual support.
Salama
Established Takaful provider with fast claim handling.
Awnic
Digital-first Abu Dhabi insurer with quick services.
ADNIC
Strong financial backing, wide UAE coverage.
Orient Insurance
Premium coverage, ideal for luxury cars.
Watania Takaful
Sharia-compliant plans with transparent pricing.
GIG Gulf
Flexible packages, reliable claims, multilingual support.
Sukoon Insurance
Trusted, digital-first, strong EV & luxury coverage.
Watania Takaful
Sharia-compliant plans with transparent pricing.
GIG Gulf
Flexible packages, reliable claims, multilingual support.
Salama
Established Takaful provider with fast claim handling.
Awnic
Digital-first Abu Dhabi insurer with quick services.
ADNIC
Strong financial backing, wide UAE coverage.
Orient Insurance
Premium coverage, ideal for luxury cars.
Watania Takaful
Sharia-compliant plans with transparent pricing.
GIG Gulf
Flexible packages, reliable claims, multilingual support.
Tips for Choosing the Right Car Insurance in UAE
Read the Fine Print
Understand deductibles, limits, and policy terms before buying.
Claims Process
Prefer insurers with fast, digital claims support.
Look for Add-Ons
Roadside assistance, replacement car, and GCC cover can help.
Coverage Needs
Choose comprehensive vs third-party based on your car's value.
Check Eligibility
Ensure license, driving history, and vehicle type fit the policy.
Compare Plans
Check coverage, add-ons, and exclusions across providers.
Read the Fine Print
Understand deductibles, limits, and policy terms before buying.
Claims Process
Prefer insurers with fast, digital claims support.
Look for Add-Ons
Roadside assistance, replacement car, and GCC cover can help.
Coverage Needs
Choose comprehensive vs third-party based on your car's value.
Check Eligibility
Ensure license, driving history, and vehicle type fit the policy.
Compare Plans
Check coverage, add-ons, and exclusions across providers.
Available in All Emirates
Dubai
Flexible plans and easy online claims for private and commercial vehicles.
Sharjah
Affordable options with add-ons like roadside assistance and GCC protection.
Ajman
Tailored policies for private cars, pickups, and commercial fleets.
Umm Al Quwain
Affordable coverage options with add-ons and GCC protection.
Fujairah
Hassle-free insurance with coverage for accidents, theft, and disasters.
Ras Al Khaimah
Comprehensive and third-party plans, plus optional add-ons.
Abu Dhabi
Comprehensive car insurance with fast digital issuance and renewals.
Who is Eligible?
- UAE residents with a valid driving license
- Vehicle registered in UAE
- Age: 18+ to drive, but 21+ usually required for insurance
Product Requirements
- Insurance is mandatory across all Emirates
- Needed for vehicle registration & renewal.
- Requirements may differ slightly, but core rules are the same
How to Buy eSanad Car Insurance (Step-by-Step)
Before you start (quick checklist): Emirates ID, UAE driving license, Mulkiya (vehicle registration), previous policy/No-Claim Certificate (if any).
Create/Sign in
Log in with UAE Pass or your eSanad account.
Customize add-ons (optional)
Roadside assistance, replacement car, GCC cover, personal accident, off-road, agency/non-agency repair, windshield, etc.
Enter vehicle details
Plate/Mulkiya info auto-fills your car make, model, and year.
Compare quotes
Review insurers, benefits, garages (agency vs non-agency), deductible (excess), and limits. Filter by price/benefits.
Popular Searches:
Before you start (quick checklist): Emirates ID, UAE driving license, Mulkiya (vehicle registration), previous policy/No-Claim Certificate (if any).
UAE Nationals
Citizens with valid Emirates ID and driving license.
Expatriates/Residents
Residents with Emirates ID and valid UAE driving.
Companies & Businesses
For fleets, rentals, and commercial vehicles.
New Drivers
First-time drivers (subject to license validity).
Experienced Drivers
No-claim drivers get exclusive discounts and benefits.
Car insurance is available across all Emirates, including Abu Dhabi, Dubai, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah.
Get Your Policy in 3 Simple Steps
How to Buy – Step by Step
Login with UAE Pass.
Explore
Check Out
How to File a Claim
Log In
Locate Your Policy
Upload it
Required Documents
Need Your Emirates ID
Driving License
Car Registration (Mulkiya)
Vehicle inspection report
Renewal Guide
Review Your Policy
Compare & Select
Pay & Download
Fines & Penalties in the UAE
Driving without valid insurance can lead to strict fines, penalties, and legal action in the UAE.
Driving Without Insurance
- Fine: AED 500
- 4 Black Points on driving license
- Vehicle impounded for up to 7 days
Fraudulent Insurance Claims
- Hefty fines
- Cancellation of policy
- Possible legal action
- Renewal delays may lead to fines during traffic checks.
- Vehicle may not be registered until valid insurance is provided.
- If caught driving an uninsured or unregistered vehicle, additional penalties may apply, including extended impoundment.
Regional Enforcement
- Abu Dhabi and Northern Emirates strictly monitor insurance compliance during renewals, traffic stops, and police checks.
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Related Guides & Tools
These guides and tools help users make informed decisions and easily navigate to related products within the website.
Insurance Calculators
- Car Insurance Premium Calculator
- No-Claim Discount Calculator
- Roadside Assistance Cost Estimator
How-To Guides
- Step-by-Step Car Insurance Buying Guide
- Renewal Process Guide
- Claims Filing Guide
Related Products
- Motor Insurance Options
- Travel & Health Insurance Add-Ons
- Commercial & Fleet Insurance
Tips & Resources
- How to Choose the Right Coverage
- Benefits of Comprehensive vs Third-Party Insurance
- FAQs & Key Terms Explained
Related Blogs
Short Editorial Overview
eSanad Car Insurance offers comprehensive and third-party coverage across all UAE Emirates. With digital-first policy issuance, quick renewals, and AI-powered claims assistance, it ensures drivers stay protected, compliant, and stress-free on the road. From private cars to commercial fleets, eSanad provides tailored plans with flexible add-ons and 24/7 support, making car insurance simple, fast, and reliable.
Related Features
These features make eSanad Car Insurance user-friendly, reliable, and convenient for all drivers in the UAE.
AI-Powered Claims Assistance
Quick, digital claims processing with smart guidance.
24/7 Roadside Support
Emergency towing, fuel delivery, and breakdown assistance anytime.
Replacement Car Option
Stay mobile while your vehicle is under repair.
GCC Coverage
Extended protection across GCC countries.
No-Claim Discount Benefits
Rewards for safe driving and claim-free years.
Multi-Channel Access
Manage policies via website, mobile app, call center, and social media.
Flexible Coverage Options
Comprehensive, third-party, and add-on plans tailored to your needs.
Instant Policy Issuance
Get your e-policy immediately after purchase or renewal.
AI-Powered Claims Assistance
Quick, digital claims processing with smart guidance.
24/7 Roadside Support
Emergency towing, fuel delivery, and breakdown assistance anytime.
Replacement Car Option
Stay mobile while your vehicle is under repair.
GCC Coverage
Extended protection across GCC countries.
No-Claim Discount Benefits
Rewards for safe driving and claim-free years.
Multi-Channel Access
Manage policies via website, mobile app, call center, and social media.
Flexible Coverage Options
Comprehensive, third-party, and add-on plans tailored to your needs.
Instant Policy Issuance
Get your e-policy immediately after purchase or renewal.
What's Covered vs. Not Covered
Understanding your car insurance coverage helps you make informed decisions and avoid surprises during claims.
What Car Insurance Usually Covers?
Accidents, fire, and theft protection.
Natural disasters such as floods or storms.
Third-party liability for damages to others.
Medical expenses for drivers and passengers (depending on policy).
What Car Insurance Doesn't Cover?
Routine wear and tear or mechanical breakdowns.
Driving violations like driving without a license or under the influence.
Unapproved modifications or racing use.
Coverage outside the UAE, unless specifically included in your plan.
Tips & Factors to Consider
Tips for Buying Insurance
Compare quotes before deciding
Choose coverage based on car's age and value
Add optional benefits that fit your lifestyle
Always check claim settlement history
Opt for comprehensive cover for new/luxury cars
Third-party cover may be enough for older cars
Add roadside assistance for Dubai's heavy traffic
Factors Impacting Premium
Vehicle type, model, and year
Claim history and driving record
Coverage type and add-ons
Compare quotes before deciding
Every policy plants trees—building a forest with your name. Protect your car today, and the planet tomorrow.
Yes, we'll still need cars. But until there's a better way to get around, we can all do our part for the environment. Together, let's reduce our footprint and make every drive a step toward a greener future.
Frequently Asked Questions
Q2: How Does Car Insurance Work in the UAE?
A: In the UAE, third-party liability insurance is mandatory for all drivers. It covers damages or injuries you might cause to others.
Q3: What is Auto Insurance and Why is it Important?
A: Auto insurance provides financial protection against vehicle damage or bodily injuries from accidents and losses due to theft or natural disasters. It's essential for legal compliance and personal protection in the UAE.
Q4: What Does 'No Claims Discount' Mean?
A: A 'No Claims Discount' rewards you with reduced premiums for not making any insurance claims over a period. The longer you remain claim-free, the greater the discount on your premium.
Q5: How to Check Car Insurance Status Online?
A: Check your car insurance status through eSanad's online portal.
Q6: How to Find Cheap Car Insurance in the UAE?
A: To find affordable car insurance, compare quotes tailored to your budget. Visit eSanad's Quote Comparison to easily find and compare policies that meet your financial needs.
Q7: What is the Cheapest Car Insurance in Dubai, UAE?
A: The cost of car insurance varies based on factors like car make, model, and driver's history. Third-party insurance generally offers lower premiums. Compare options on our eSanad Contact.
Q8: What Details are Required for Cheap Car Insurance in the UAE?
A: For affordable car insurance, you'll need details like car model, value, and driver's history.
Q9: Which Car Insurance is the Cheapest?
A: The cheapest insurance depends on your chosen policy and factors like the driver's age and car model. For a tailored quote, explore eSanad's Insurance Options.
Q10: What is Excess in Car Insurance?
A: Excess, also known as deductible, is the amount you pay towards repair costs in an at-fault accident. Your policy predefines this amount. Learn more about policy terms at eSanad Insurance Terms.
Q11: How to Find My Car Insurance Policy Number?
A: Your policy number is on your insurance documents and online account. For assistance, contact eSanad Customer Service.
Q12: What Does 'Own Damage' Mean in Car Insurance?
A: 'Own damage' covers loss or damage to your vehicle, regardless of fault. It's part of comprehensive policies.
Q13: Can I Customize My Car Insurance Policy?
A: Yes, you can add coverages like roadside assistance to your policy.
Q14: What Are the Types of Car Insurance in Dubai?
A: Dubai offers Third Party Liability and Comprehensive Cover.
Q15: What Is the Penalty for Driving Without Car Insurance in the UAE?
A: Penalties include fines, vehicle impoundment, and legal actions. Always maintain valid insurance.
Q16: Can I Transfer My Vehicle Insurance to Another Car Owner?
A: Insurance policies are specific to the car, not the owner. When transferring ownership, the new owner needs a new policy.
Q17: What Documents Do I Need to Purchase Car Insurance?
A: Required documents include Emirates ID, driving license, vehicle registration card, and previous insurance details.
Q18: Do You Provide Coverage for Rental Cars?
A: Most policies cover rental cars, often as an add-on.
Q19: How Do I Choose Between Third Party and Comprehensive Insurance?
A: Your choice should align with your risk tolerance and car value.
Key Terms
Comprehensive Cover
Complete protection for your vehicle and third-party damages.
Third-Party Liability
Covers damages to other vehicles, property, or people.
Excess/Deductible
Amount you pay before insurance kicks in.
No Claim Bonus
Discount for claim-free driving.
Related Content & Resources
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Premium Estimator
Car Insurance Calculator
Coverage Comparison Tool
Related Blogs
Top 5 Things to Know Before Buying Car Insurance in UAE
Comprehensive vs Third-Party: Which One is Right for You?
Why Digital Insurance is the Future in UAE
Protect Your Ride, Drive with Confidence
Get your Motor Insurance Quote today - safeguard your vehicle and enjoy worry-free journeys.
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Success Insurance Services L.L.C. (eSanad): Licensed insurance broker in the UAE, regulated by the Central Bank of the UAE (CBAE), Registration No. 273.
Holder of Health Insurance Intermediary Permit (HIIP) from the Dubai Health Authority, Intermediary ID: BRK-0017.
Authorized by the Department of Health – Abu Dhabi (DOH) , Certificate No. 80.
Registered member of the Emirates Insurance Federation, Membership No. B1508.
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'eSanad' is a registered trademark of Success Insurance Services L.L.C., certified by the UAE Ministry of Economy & Tourism.
Insurance services provided exclusively through licensed UAE insurers. Subject to policy terms and conditions.
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