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CBUAE – Insurance Authority Licensed Broker · No. 281

Motor Insurance

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What's covered

Motor Insurance in the UAE — What You Need to Know

Third-party liability

Legally mandatory in the UAE. Covers damage or injury you cause to others.

Own damage (comprehensive)

Repairs to your own vehicle after an accident, regardless of fault.

Fire & theft

Full cover if your vehicle is stolen or damaged by fire.

Natural disasters

Flood, sandstorm and environmental damage — common in the UAE.

Roadside assistance

24/7 breakdown, towing and battery assistance across all emirates.

Personal accident

Covers the driver and passengers in case of injury or death.

Common questions

Frequently Asked Questions

Is motor insurance mandatory in the UAE?

Yes — at minimum, third-party liability (TPL) is legally required to register and drive any vehicle in the UAE.

What is the difference between TPL and comprehensive?

TPL covers damage you cause to others. Comprehensive adds cover for your own vehicle against accidents, fire, theft and natural disasters.

Can I add additional drivers to my policy?

Yes — most insurers allow named drivers to be added for a small additional premium. We will confirm this when comparing quotes for you.

How quickly can I get a policy?

Same-day cover is available for most personal vehicles. Commercial fleets may take 1–2 business days.

Related cover

Home Insurance →Business / SME Insurance →

Employer in the Northern Emirates? Read the compliance mandate guide →

Related reading

Comprehensive vs Third-Party Car Insurance in the UAE →

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