Car Insurance Inclusions in the UAE

Last updated on : 27 Feb 2024
4 min read

Car insurance is a crucial aspect of responsible vehicle ownership. However, many people often find themselves bewildered when it comes to deciphering what exactly is covered in their car insurance policies. The truth is, car insurance inclusions can vary significantly depending on whether you have comprehensive or third-party coverage, and even among different insurance providers. In this article, we'll break down the key elements of car insurance inclusions in the UAE, shedding light on the distinctions between comprehensive and third-party policies and the importance of reviewing your policy documents for a better understanding.

Comprehensive Car Insurance Inclusions

Comprehensive car insurance is often considered the gold standard in the UAE due to its extensive coverage. It offers protection not only for damages to your own vehicle but also for third-party liabilities. Here's a closer look at what's generally covered in a comprehensive car insurance policy:

Own Damage: This aspect of the policy covers repairs or replacements for your vehicle in the event of an accident, theft, vandalism, or fire.

Third-Party Liability: Comprehensive policies include coverage for bodily injury and property damage caused to others due to your actions while driving. This is essential for ensuring you don't end up facing hefty legal and financial consequences in case of an accident.

Personal Accident Cover: Some comprehensive policies provide coverage for medical expenses and compensation in the unfortunate event of an accident resulting in injury or death to you or your passengers. However, in some cases, personal accident cover is available as an add-on only. 

Agency Repair: Comprehensive policies often allow you to have your car repaired at an authorized dealership or repair center, ensuring high-quality service.

Additional Benefits: Depending on your insurance provider, comprehensive coverage may also include benefits such as roadside assistance, rental car coverage, and coverage for personal belongings damaged or stolen from your car.

Third-Party Car Insurance Inclusions

While comprehensive coverage is comprehensive in name and by nature, third-party car insurance serves a more limited purpose. It primarily covers damages and liabilities arising from your actions as a driver, without offering protection for your own vehicle. Here's what you can expect from a third-party car insurance policy:

Third-Party Liability: This is the core component of third-party coverage, providing protection against claims from third parties for bodily injury and property damage caused by your vehicle.

Legal Assistance: Third-party policies often include legal support in case you face a lawsuit resulting from an accident.

Personal Accident Cover (Optional): Some insurers offer optional personal accident cover for the policyholder or passengers, providing medical expenses and compensation in the event of an accident.

No Coverage for Own Vehicle: It's essential to note that third-party insurance does not cover any damages to your own vehicle. You'll be responsible for repair or replacement costs if your car is damaged.

Understanding Policy Variations

While the above descriptions outline the general coverage included in comprehensive and third-party car insurance, it's crucial to recognize that policies can vary from one insurance provider to another. Different providers may offer additional add-ons or have slightly different terms and conditions.

To fully understand your car insurance coverage, you must carefully review your policy documents. Pay attention to:

  1. Policy Exclusions: Take note of any specific situations or conditions that might not be covered by your policy.

  2. Deductibles: Understand the deductibles (the excess amount you're responsible for before insurance kicks in) associated with your coverage.

  3. Add-Ons: Check for any optional coverage or add-ons you can purchase to enhance your policy as per your needs.


In the UAE, car insurance is not one-size-fits-all. The extent of coverage you enjoy depends on whether you opt for comprehensive or third-party insurance and your choice of insurance provider. To make an informed decision and ensure you're adequately protected, take the time to read and comprehend your car insurance policy documents. This way, you can drive with confidence, knowing exactly what's covered in your car insurance and what steps to take in case of an accident or unexpected event. Remember, a well-informed policyholder is a responsible one.

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