In the UAE, car insurance is legally mandatory for vehicle registration and must be issued for a 13-month tenure
Key Coverage Types
You must choose between two primary levels of coverage depending on your budget and vehicle age.
Third-Party Liability (TPL): The legal minimum required by law. It covers property damage and bodily injuries caused to others if you cause an accident, but provides zero coverage for your own car. Costs typically range from AED 450 to AED 1,000 per year. Comprehensive Cover: Covers third-party liability plus damages to your own vehicle due to accidents, theft, fire, or weather events (like storms or flooding). This is strictly required by banks if your vehicle is financed. It typically costs AED 1,200 to AED 5,000+ per year, usually calculated at roughly 2.2% to 2.5% of the vehicle’s market value
