Car Insurance Exclusions in the UAE

Last updated on : 27 Feb 2024
3 min read

Having comprehensive car insurance often ensures peace of mind but some unexpected exclusions can dampen your driving experience if you weren't aware of those to begin with. comprehensive insurance covers a variety of road-related outcomes, but there are various scenarios that can lead to unexpected repair costs, legal challenges, and insurance complexities. So, to stay safe and covered, it’s best to be aware of those scenarios in advance and look for ways to deal with them. In this article, we’ll take a look at all the car insurance exclusions that you must be aware of:

Exclusions of Comprehensive Car Insurance

1. Off-Roading Adventures

The rugged terrains of the UAE make off-roading a popular pastime. However, comprehensive insurance typically doesn't cover off-roading damage. So, if you're into off-roading escapades or dune bashing, be aware that these damages may not be covered unless you have an add-on to cover the activity.

2. Indirect Mechanical Issues

Gradual wear and tear, or poor maintenance causing engine failures may not be eligible for compensation from your insurer.

3. Overloading and Excessive Passengers

Carrying more cargo or passengers than your vehicle can handle, leading to suspension, brake, or tire damage, might not be covered by your policy.

4. Policy Violations

If you use your car for commercial purposes or commit intentional felonies or misdemeanors, like hit-and-run accidents, your insurance may not step in to cover you and your vehicle.

5. Isolated Tire Damage

Damage to tires alone, without any harm to your vehicle, may not be claimable under your policy.

6. Illegal Racing

Engaging in illegal street races and causing accidents might leave you without coverage.

7. Unauthorized Drivers

Allowing someone without a valid license to drive your car or driving without the correct license may make your insurance policy void.

8. Expired Licenses

If your license has expired and isn't renewed within 30 days after an accident, your insurance coverage may be in jeopardy.

9. Driving Under the Influence of Alcohol or Drugs

Any damage occurring to your vehicle when the driver is under the influence of alcohol or drugs won't be covered.

10. Natural Disasters

Damage caused by natural disasters, such as earthquakes, volcanic eruptions, floods, or storms, may not be covered unless you have a specific policy add-on.

11. War and Rebellion

Damage resulting from war, foreign enemy actions, or rebellions is typically not covered.

12. Loss of Subrogation Rights

If the insurance company loses the right of subrogation due to your declaration of responsibility for an accident you didn't cause, they may not be able to compensate you.

13. Coverage Outside the UAE

Unless you have a clause extending coverage to other territories, damage occurring outside the UAE won't be included.


Comprehensive car insurance in the UAE has its limitations even if it covers most scenarios. It's crucial to carefully review and comprehend your policy's terms and conditions and consider adding optional coverage or thoughtfully chosen add-ons to minimize financial liability in case of accidents. When the basic coverage falls short, explore features and enhancements to ensure you're fully protected on your UAE road adventures. Don't let unexpected exclusions steer you off course – prepare wisely!

Disclaimer: Shory aims to present accurate and up to date information, however we take no responsibility or liability for any errors or omissions in the content.