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.
We know your car means a lot to you. So our comprehensive car insurance offers agency repairs for up-to 5 years and only the best quality panel garages thereafter or otherwise.
All our insurance policies also cover family members of the owner of the vehicle. You can also optionally choose to cover yourself further with Personal Accident Benefit.
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.
Love the desert? Your policy is extended to cover off road (subject to 4WD capacity). Our Auto Insurance also offer 24/7 Road side assistance as a value added service free of charge.
Why should an accident stop you from moving around? You can optionally choose to hire a rent a car for up-to 15 days during any policy period.
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.
While others apply depreciation, we pay you the value of a brand new replacement if your vehicle has been declared a total loss from the first 6 months from registration as new.
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.Get a Quote
Choose from our wide range of optional extras that’ll help you customize the cover and get protected.
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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:
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:
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:
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:
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
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.
There you have it, your ultimate guide to car insurance in Dubai. Now that you know how important it is, it's time to start your search. The sooner you get adequate auto insurance coverage, the sooner you can register your car.
Do you need more help figuring out comprehensive auto insurance? If so, then please know that we here at Tokio Marine are always ready to assist! Please get in touch with us now, and we'll be happy to provide you with the best insurance in Dubai.
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