Car Insurance built with you in mind.

Buy car insurance online & get exclusive benefits with Tokio Marine. Choose the smartest way to buy car insurance in dubai.

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Great cover should come with great service. Our ultra-fast claims processing ensures that you are always on the move, faster. Tokio Marine Car Insurance value your time and hence for small claims you can repair the vehicle at a garage of your choice using your pre-approved self-authorization limit. Just like your car, everything in the car is valuable to you too. That’s why we also cover your personal belongings kept in the glove compartment or boot.

Car Insurance Plans by Tokio Marine

Tokio Third Party

Looking to cover only damages and injuries caused to a third party in an accident? Then this cover will provide you the obligatory motor insurance, mandated by the law.

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Tokio Must

This comprehensive car insurance comes with a premium network of garages for repair and provides protection for you, your passengers and the vehicle against own damage and third-party liability.

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Tokio Smart Plus

Looking to repair only at your car dealership? Then this comprehensive agency repair will provide you superior coverage and premium benefits for your car.

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Third party Tokio must Tokio smart plus
Loss or Damage to the Insured Vehicle Not Included
Fire & Theft Cover Not Included
Storm, Flood, Riot, Strike and Civil Commotion Not Included
Third Party Liability
Third Party Bodily Injury Unlimited Unlimited Unlimited
Third Party Property Damage AED 2 Million AED 2 Million AED 3.5 Million
Third Party Liability to family members (upto AED 200,000) Optional
Emergency Medical Expenses Not Included AED 3,000 AED 4,000
Free Personal Injury Cover Not Included AED 10,000 AED 15,000
Loss of Personal Effects Not Included AED 2,500 AED 3,500
Windshield Damage Excess Waiver Not Included Waived Once Waived Once
Self Authorisation Repairs Not Included AED 1,000 AED 2,000
Third Party to Non Owned Cars Not Included
Unauthorised Driver Not Included
Free Agency Repair (from the date of first registration as new) Not Included Not Included 3 Years
New Car Replacement (From 1st Year of Registration as Brand New - "0" Kms) Not Included / 6 Months / 6 Months
Geographical Area UAE UAE UAE
Oman Cover Not Included (Own Damage Only) (Own Damage Only)
Off Road Cover Not Included (4WD Only) (4WD Only)
Personal Accident Cover For Driver Optional
Personal Accident Cover For Passengers Optional
Loss of Use (Rental of Alternative Vehicle) (If the claimis not at fault) (10 Days during the policy period) Optional
Loss of Use (Rental of Alternative Vehicle) Max. uasage per Policy Period Upto 10 Days Upto 10 Days Upto 10-15 Days
Loss of Use (Rental of Alternative Vehicle) Max. limit per day subject to actual bills Upto AED 300 Upto AED 100 Upto AED 100
24 hour Accident and Breakdown Recovery Not Included
Taxi Fare (in the event of vehicle is not roadworthy) Not Included Upto AED 200 Upto AED 350
Excess Deductible Not Included Tokio must - 4WD Vehicles Sum Insured: Less than AED 100K: AED 350 Above AED 100K: AED 500 Saloon Vehicles Sum Insured: Less than AED 150K: AED 250 Above AED 150K: AED 500 Tokio smart plus - 4WD Vehicles Sum Insured: Less than AED 100K: AED 350 Above AED 100K: AED 500 Saloon Vehicles Sum Insured: Less than AED 150K: AED 250 Above AED 150K: AED 500
Under Age Deductible Not Included 10% 10%
No Claim Discount Not Included
No Claim Discount
National Ambulance Cover AED 6,770 AED 6,770 AED 6,770
Valet Parking Not Included Not Included Not Included

With Tokio Marine Car Insurance, get everything you need for your car in UAE


Explore our car insurance cover in UAE

Benefits of choosing Tokio Marine car insurance.

Our breakdown cover is powered by the AAA, so you know you’re in good hands. Whether your car has a puncture, you run out of fuel, or your car battery dies, it provides protection and assistance when your vehicle unexpectedly breaks down.

With our comprehensive car insurance plans, you will get personal accident benefits for both driver and passengers free of cost. This will provide coverage for medical expenses if the driver or passengers of the car gets injured in an accident.

We want to keep you mobile, even if your car has other ideas. As long as you use one of our approved repairers, we’ll do everything we can to get you a courtesy car from one of our car rental partners. This can be subject to claim and policy wordings of your selected plan.

Being One of the leading car insurance companies in Dubai, we value your time. For small claims you can repair the vehicle at a garage of your choice using your pre-approved self-authorization limit.

Are you an excellent driver who has an accident-free record for a minimum of 1 year? Tokio Marine Motor Insurance would like to reward you with a special No Claims Discount. You could save up to 20% with our No Claims Discount. Find out how much you could save by taking an instant online quote.

At Tokio Marine, your loyalty is highly valued and recognized. We understand the importance of long-lasting relationships with our customers, which is why we offer exclusive loyalty discounts and special rewards to our regular customers.h our No Claims Discount. Find out how much you could save by taking an instant online quote.

Accidents happen, which is why we're here to help. Gone are the days when you had to stress over raising a car insurance claim.Our dedicated claims team is available to resolve your claim as quickly as possible.

Want to buy car insurance at midnight? You can! Renew the policy on a Sunday? Yes, you can! Raising claims on a public holiday? Why not! With Tokio Marine online car insurance, you get total convenience for all things insurance in not just dubai, but the whole of UAE.

The basics

Hit the road with solid coverage...

Like our popular and comprehensive two-way coverage.

Frequently asked questions

According to UAE Traffic Authorities, it is illegal to drive without having a car insurance. You are required to get your car insured first and then only it can be registered.

Granted, there are now fewer road accidents in the UAE. They still occur in the thousands, though, and many of them lead to injuries and property damage.

With that said, the primary reason to get auto insurance coverage is that it's the law in Dubai, and all of the UAE. More than that, it exists to protect the other people you share the roads with.

However, having car insurance also means that you receive protection from liabilities. It can serve as your financial net in case you get into an accident. Depending on the policy you get, it can also help pay for your own losses and damages.

  • If you would like to drive a vehicle in the UAE, including Dubai, you need to get insurance first. The law requires you to first obtain insurance before you can register a vehicle in Dubai (or anywhere in the UAE). Otherwise, you can face hefty penalties if you get caught driving uninsured.

    Third-party liability coverage is the minimum or basic insurance required by the law. It provides coverage for bodily injury or death to any third party. It also helps cover the costs of property damage to others caused by the insuree's vehicle.

In the UAE, there are more than 130 types of traffic violations that can incur fines and black points. One of these is driving a motor vehicle without insurance.

If caught, uninsured drivers can expect to pay a fine of Dh 500 as well as incur four black points. The RTA also enforces a seven-day retention period for driving without insurance coverage.

The legally-required third-party liability often won't cover any damages to your vehicle. An exception will be if there's another party at fault for the accident. They must also have insurance and that you can make a claim against the other driver.

As such, it's best to get a more comprehensive car insurance policy with better coverage. The best insurance in Dubai meets the required third-party liability coverage, while also covering you and your car. A more robust policy protects you from losses or damages to your insured vehicle.

You will even find insurance policies that provide fire and theft protection. You can also get coverage for other non-collision damages, such as those from floods and riots. Many of the insured perils in robust auto insurance policies are like those in home insurance.

At the very least, comprehensive insurance offers emergency medical expense coverage. It should also provide some level of free personal injury coverage.

All these are things that basic third-party liability coverage doesn't include.

Those are just a few "extra" perks you'd get with comprehensive insurance, though. Here are some of the many other benefits of such policies.

Many car accidents occur in vehicles occupied by more than the driver.

Fortunately, the best comprehensive auto insurance policy covers your family too. Of course, you, as the driver, also receive coverage for injuries and property damage.

Such policies also provide coverage for personal belongings. Meaning, they protect not only your vehicle itself but also some of your stuff inside the car. These include items that you store in the boot or glove compartment.

Vehicles can break down at the worst time possible, potentially causing road accidents. It can be even worse if yours stutters and dies in the middle of nowhere. This can leave you stranded and at risk of heat-related illnesses.

With the best comprehensive car insurance coverage, you can rely on 24/7 roadside assistance. Meaning, you simply need to contact your reliable insurer, and they will come to your rescue. To top it off, this round-the-clock service is free of charge.

You only need to furnish a few documents to purchase auto insurance in Dubai. The insurer needs these to validate your identity and confirm your driving experience.

Here's what you can expect the auto insurance provider to require from you:

  • A copy of your driver's license
  • The registration car of your vehicle
  • A copy of your passport photo page

That's it! From here, the authorised insurance agent will guide you through all the other steps. Feel free to ask as many pertinent questions as you need, especially if you see any unfamiliar terms.

As for where to apply, know that in Dubai, you can now purchase auto insurance online. You only need to answer questions related to your auto insurance needs. However, if you need extra help, you can always have an insurance agent call you.

A comprehensive insurance policy will cover your vehicle against your own Loss or damage as well as third party property damage. Loss or damage could result from an accidental collision, fire, burglary, external explosion, self-ignition, lightning, theft and any malicious act by a third party.

We highly recommend our valued customers to choose the comprehensive insurance policy (if applicable) so that you and your vehicle enjoys complete protection.

Third party liability policy is the basic coverage that is mandatory as per the UAE law and it covers death or bodily injury to any third party/person as well as property damage caused by the insured’s vehicle. However, you must understand that this policy does not cover any damage or loss to your own vehicle following an accident.

Comprehensive cover is available for vehicles up to the age of 10 years only. Vehicles over 10 years needs to be referred to our motor underwriters who will review on a case to case basis. We would support you as much as possible we can in helping you with your requirements.

The policyholder will be both the registered vehicle owner and the main driver. The UAE Traffic Authority will only register the vehicle under the name stated on the insurance policy

Generally the vehicle registration period of your car is for 12 months. However, the UAE Traffic authorities provides a grace period of 1 month to complete the annual registration process. This grace period is covered in the policy.

We offer wide range of attractive benefits on our motor policy namely:

  • Self-Authorization Repairs
  • Extended Third Party Property Damage
  • Natural calamities, Riot, Strike and Civil Commotion
  • Extended Legal Liability to family members
  • Loss of personal effects
  • Emergency medical expenses

You are only eligible to get car insurance quote if you are a resident and hold a valid UAE driving license. However, you can convert your foreign driving license to valid UAE driving license if you are holding license from of any of these countries: GCC countries, Andorra, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxemburg, Malta, Monaco, Netherlands, Norway, Portugal, San Marino, Spain, Sweden, Switzerland, UK, USA, Vatican City. After submission of the valid UAE driving license you are eligible to get motor quote from Tokio Marine.

Yes, the off-road cover will be only included for vehicles with off-road capability. However the cover is excluded if the is involved in Safari activities, Competitions or Events.

Yes, we do extend the geographical area to cover loss of or damage to your vehicle if you drive to Oman. However, this does not include Third Party Liability cover (Orange Card) which must be purchased separately at the Oman border.

Our Comprehensive Motor policy includes 24 hour free roadside assistance provided by our third party service provider. They will assist you in the event of a vehicle breakdown, towing, battery boost, flat tyre, lock out service and petrol delivery

The current car value is calculated by comparing the average market value of the same vehicle. The car value will then be depreciated by 15% every year thereafter.

No Claims Discount or No Claims Bonus is a special discount on the insurance premium given to customers who have an accident-free record for a minimum of 1 year.

In order to issue a new car insurance policy, documents required are Emirates ID, vehicle detail (make, model, year of manufacture), copy of vehicle registration, copy of your driver's license, confirmation that your vehicle is GCC specific, details of claims registered. For online applications electronic copies are required to be submitted.

The excess or deductible is the amount you pay to the insurance company in case of a non-recoverable motor claim. Non-recoverable motor claims unusually occur when an accident is caused by the insurance policy holder. This is only applicable for comprehensive insurance.

However, if you get into an accident and it is not your fault then you don't have to pay any excess.

In agency repair, you can take your vehicle to the manufacturer’s authorized workshop to fix any damage due to an accident. In case of non-agency repair, you can take your vehicle to any of Tokio Marine authorized garages to fix any accidental damage.

The cost of the rental vehicle is covered only if the clause is included in your policy schedule. The duration of a free rented car is generally between 7-10 days (depending on the type of policy) until your car is fully repaired. You can include this clause in your policy, by paying an additional premium.

However, if the Claim is caused by a Third Party, then an alternative car, can be arranged for you from the Third Party insurance Company. Our Claim Advisors will assist you at the time of a claim.

We recommend you to adhere to the following instructions immediately after an accident:

  • Where possible please help anyone suffering injury.
  • Call Police on 999 and explain the situation.
  • Ask the police if you should remove the vehicle from the site. Move your vehicle if you are instructed to do so, otherwise keep the vehicle at the accident site. It is not unusual for the police to instruct you to go to the nearest police station for a hearing. Simply follow their instructions.
  • If you are instructed to stay at the accident site, get out of the car immediately and wait for the police. Staying in the car is very dangerous especially if your car is stopped on the road or roadside curb.
  • Do not attempt to drive a heavily damaged vehicle. This may cause a further accident, or damage the vehicle. If your vehicle is not in a drivable condition, request Tokio Marine Nichido / complimentary road side assistance service provider for towing your vehicle to a workshop.
  • A police report is required by the UAE law in order to make a claim. Ensure that you do not block the traffic to avoid any penalty imposed by the police.
  • If there is bodily injury to the driver and/or passengers and if any of the personal items placed in the vehicle are damaged, you must inform the police and have it mentioned in the police report to claim the benefits enlisted in the policy.

You can now report a claim by filling out a simple form on our website. Alternatively, you can also call on our claims help line desk 600 50 30 30 and speak directly to our claims team. Claims Call Center operation hours is from 8am-8pm, Sunday to Thursday.

The following supporting documents will be required to lodge a claim:

  • Original Police Report
  • Copy of Driving License
  • Copy of Registration Card (or Mulkiya)

This facility can be accommodated only if the "Rental of Alternative Vehicle" clause is included in your policy. You can include this clause in your policy, by paying an additional premium.

However, if the Claim is caused by an Third Party, and is not unknown, then an alternative car, can be arranged for you from the Third Party insurance Company. Our Claim Advisors will be able to advise you on this, at the time of a claim.

As per the UAE Insurance Authority guidelines, Tokio Marine is required to notify the loss to TP’s insurance carrier if the estimate repair cost exceeds a pre-set amount (AED 5,000). Usually it would take three working days for the TP’s insurer to inspect the vehicle and agree on the repair cost with the repairer. This is required to recover the expenses incurred for repairing the vehicle from the TP’s insurer and to maintain your No Claim Discount (NCD).

The excess or deductible mentioned on your policy schedule is applicable for each separate accident / incident generating a damage for which there is no identified Third Party responsible according to the police / traffic court judgment.

If a car is sold, the insurance doesn't get transferred to the new owner. This is not permitted because the terms and premium of the policy depends on the driver's experience.

You can cancel the policy in the event of either selling the vehicle or exporting the vehicle.

Documents we require are either

  • No Plate Certificate from the traffic authority or
  • Export Certificate or
  • New Registration Card from the buyer.

Once we receive any of the above said documents, and subject to no claim reported during the policy period the cancellation will be processed, and a refund Cheque (refund amount based on Short Rate basis as per the UAE Insurance Authority) will be initiated.

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