UAE Car Insurance for Natural Disasters - What's Covered and What's Not

Last updated on : 27 Feb 2024
4 min read

UAE Car Insurance for Natural Disasters - What's Covered and What's Not?

Living in the UAE, with its rapidly growing urban areas and desert landscapes, it's essential to consider the protection of your vehicle against unexpected events like natural disasters. In this article, we will explore whether your car insurance covers natural disasters and discuss the available add-ons to safeguard your vehicle in case of such calamities.

Does UAE Car Insurance Cover Natural Disasters?

In the UAE, car insurance is mandatory, and it provides various levels of coverage. However, standard comprehensive car insurance policies do not typically include coverage for natural disasters as part of their base package. To ensure protection against natural disasters, you may need to consider optional add-ons for your car insurance policy.

Common Natural Disasters in the UAE

Before delving into insurance coverage, it's essential to understand the types of natural disasters that can occur in the region:

Sandstorms: The UAE is known for its frequent sandstorms, especially during the summer months. These storms can cause significant damage to vehicles, including paint and bodywork.

Floods: Flash floods can occur unexpectedly, especially during the rainy season, and may lead to water damage to your vehicle's engine or sometimes interior.

Hailstorms: Though relatively rare, hailstorms can cause severe damage to your car's body and glass.

Earthquakes: The UAE is situated near a seismic zone, and while earthquakes are infrequent, they can be unpredictable and cause damage to vehicles and property.

Add-Ons to Consider for Natural Disaster Coverage

To protect your vehicle against these natural disasters, consider the following add-ons to your car insurance policy:

  • Flood Cover: This add-on provides protection against damage caused by floods. It typically covers repairs or replacements for any flood-related damage to your vehicle.

  • Hailstorm Cover: Hailstorms can cause extensive damage to a vehicle's exterior. This add-on can help cover the cost of repairs or replacements.

  • Sandstorm Cover: Sandstorms are a common occurrence in the UAE and can lead to fine sand particles damaging your vehicle's paint and glass. Sandstorm cover can help pay for repairs.

  • Acts of God Cover: Some insurers offer an ‘Acts of God’ clause, which may cover natural disasters like earthquakes and other unforeseen events. However, this coverage may vary among insurers.

  • Comprehensive Insurance: Consider upgrading to a comprehensive insurance policy that includes coverage for a wide range of perils, including natural disasters. While more expensive than basic insurance, it offers more comprehensive protection.

Research and Choose Wisely

When purchasing car insurance in the UAE, it's crucial to research different insurance providers and policies. Check the fine print and understand the terms and conditions of the coverage, including deductibles and coverage limits. Also, consider the reputation and customer reviews of the insurance company to ensure reliability and prompt claims processing. And to eliminate all these hassles and buy your insurance instantly, visit our quotes page.  


While standard UAE car insurance policies may not automatically include coverage for natural disasters, you can enhance your protection by adding specific coverage options to your policy. Protecting your vehicle against sandstorms, flooding, hailstorms, and other natural calamities is crucial by opting for a right insurance policy. By choosing the right insurance policy and add-ons, you can enjoy peace of mind knowing that your car is shielded from unexpected natural disasters. 

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.