United Arab
Emirates
Kingdom of
Saudi Arabia
Top vehicle insurers.Best prices.
Vehicle insurance in the UAE, compare & buy online in 90 seconds
Enter your plate, compare live quotes from 21 CBUAE-licensed insurers, and buy instantly. Motor insurance for cars, SUVs, 4x4s, EVs, motorcycles, and commercial vehicles. Comprehensive from AED 1,129/year and third-party from AED 551/year. Pay in full or in easy instalments. No sales calls. No paperwork. Instant policy. No sales calls. No paperwork. Instant policy.
Licensed by the
Central Bank with
License Number 287
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3 Easy steps to get the best vehicle insurance online in the UAE
Shory makes getting motor vehicle insurance in Dubai, Abu Dhabi, and across all seven emirates fast and fully digital. Enter your plate, compare quotes from 21 licensed insurers, and get your policy the same way, instantly, with no calls and no office visits. Here’s how it works:
Enter the vehicle details
Type in your plate number or vehicle details — our technology pulls the make, model, year, and registration data automatically.
Compare and choose
You can compare to 21 CBUAE-licensed insurers. Filter by price, coverage type, agency repair, and add-ons.
Pay online. Get your policy instantly
Pay securely by card or split into 4 interest-free instalments with Tabby. Your motor insurance certificate arrives by email immediately.
21 CBUAE-licensed vehicle insurers, all in one place
Every insurer on Shory is authorised and regulated by the Central Bank of the UAE.
At Shory, We partner with the UAE's most trusted motor vehicle insurance providers to bring you comprehensive and third-party coverage at competitive prices — for every vehicle type, in every emirate.
229 UAE organisations trust Shory — including Abu Dhabi Police, Emirates Transport, ADNOC, Etihad, the Dubai Land Department, and over 100 Abu Dhabi government entities.
What is vehicle insurance in the UAE?
Vehicle insurance in the UAE — also referred to as motor insurance — is a legal contract between a vehicle owner and a CBUAE-licensed insurer that protects against financial loss from accidents, theft, fire, or damage. It applies to all registered motorised vehicles on UAE roads: private cars, SUVs, 4x4s, pickup trucks, electric vehicles, motorcycles, and commercial vehicles. Under UAE Federal Law No. 6 of 2007, every vehicle registered and driven on UAE roads must carry at minimum a valid third-party motor insurance policy. Comprehensive vehicle insurance extends this protection to cover your own vehicle as well — including damage from accidents, theft, fire, flooding, and other events. Policies can be enhanced with optional add-ons including off-road cover, GCC extension, roadside assistance, and agency repair.
Is vehicle insurance mandatory in the UAE?
Yes — vehicle insurance is mandatory for every motorised vehicle registered and driven in the UAE, regardless of emirate. This applies to cars, motorcycles, commercial vehicles, electric vehicles, and pickup trucks. The requirement is established under UAE Federal Law No. 6 of 2007 and is enforced as a prerequisite for vehicle registration and annual renewal across all seven emirates. Regulatory authorities that enforce this requirement include the Roads and Transport Authority (RTA) in Dubai, the Department of Municipalities and Transport in Abu Dhabi, and Transport Authority in Ajman and other emirates. Driving without valid vehicle insurance — or with a lapsed policy — carries a fine of AED 500 and 4 black points on your licence. Authorities may also impound the vehicle. An expired policy is treated the same as no policy at all under UAE traffic law.
How much does vehicle insurance cost in the UAE?
Motor vehicle insurance premiums in the UAE depend on your vehicle type, its market value, your driving history, emirate of registration, and the coverage you select. The following figures represent typical starting prices for standard passenger vehicles registered in Dubai and Abu Dhabi. Commercial vehicles, motorcycles, and high-value cars may attract different rates.
| Vehicle Type | Starting Price | Notes |
|---|---|---|
| Private car / sedan - TPL | AED 551/year | Minimum legal requirement |
| Private car / sedan Comprehensive | AED 1,129/year | 2–3.5% of market value (CBUAE formula) |
| SUV / 4x4 - TPL | AED 551/year | Rate varies by vehicle value |
| SUV / 4x4 - Comprehensive | AED 1,400/year | Higher value = higher base premium |
| Electric vehicle (EV) - Comprehensive | AED 1,200/year | Battery damage cover availability varies by insurer |
| Pickup truck - Comprehensive | AED 1,100/year | Commercial use affects premium |
Factors that affect your vehicle insurance premium
- Vehicle market value:
Comprehensive premiums are calculated at 2–3.5% of the vehicle's current market value under CBUAE guidelines. A higher-value SUV or EV will have a higher base premium than an older sedan.
- Vehicle type and age:
Older vehicles attract lower comprehensive premiums due to reduced replacement value. Motorcycles and commercial vehicles are rated separately from private cars.
- Driver age and history:
Drivers under 25 or over 70 typically pay higher premiums. A clean no-claims record can reduce renewal premiums by 5–25% depending on the insurer's no-claims bonus (NCB) programme.
- Emirate of registration:
Dubai premiums run 5–10% higher than Abu Dhabi on average, reflecting higher traffic density and repair costs. All seven emirates are supported on Shory.
- Add-ons selected:
Off-road cover, GCC extension, agency repair, roadside assistance, and rental car cover each add to the base premium. Adding these at quote stage shows the real total cost before you commit.
- Voluntary excess (deductible):
Accepting a higher voluntary excess reduces your annual premium by roughly 8–15%. Choose an amount you could realistically pay at short notice — the excess applies to every claim, not once per year.
- Excess (deductible): Choosing a higher voluntary excess lowers your annual premium. A AED 1,000 excess typically saves 8–15% on the base price.
Comparing vehicle insurance quotes online in the UAE helps you find the cheapest vehicle insurance price while ensuring you get the right level of coverage for your needs. With Shory, you can compare multiple insurers in one place and potentially save on your vehicle insurance premium within minutes.
Types of vehicle insurance in the UAE
Vehicle insurance in Dubai, Abu Dhabi, and across the UAE typically falls into two main types: third-party vehicle insurance and comprehensive vehicle insurance. Understanding the difference between these options helps you choose the right level of coverage based on your needs, budget, and vehicle type.
Third-Party vehicle Insurance
Third-party vehicle insurance in the UAE is the basic legal requirement, covering only liabilities for injuries and property damage to others in accidents you cause, providing no coverage for your own vehicle.
Learn more about
third-party insurance.
Comprehensive vehicle Insurance
Comprehensive veicle insurance UAE offers extensive coverage for both your own and others' vehicles, including accidents you cause, theft, and other non-collision-related damage.
Learn more about
comprehensive insurance.
Third-party vs comprehensive vehicle insurance — what's the difference?
Choosing between third-party and comprehensive vehicle insurance comes down to how much protection your vehicle and budget actually need. Compare the key coverage differences below — then get real quotes from 21 insurers to see the actual price difference for your specific vehicle take a look at the benefits offered by both types below and compare them.
Features
Accidental damage to other vehicles
Third-party bodily injury
Accidental damage to your vehicle
Theft or fire damage to your vehicle
Natural disasters (flood, storm, etc.)
Personal accident coverage
Roadside assistance(available as add-on)
Annual Premium cost
Third-party
insurance
Lower
Comprehensive
insurance
Higher
Available vehicle insurance add-Ons and coverage options
Motor vehicle insurance add-ons extend your policy beyond the standard cover. Whether you drive a city car, an off-road SUV, an EV, or a commercial vehicle, you can customise your protection. Add-on availability varies by insurer and policy type — Shory shows all available add-ons at the quote stage before you commit.
Available for both third-party & comprehensive
Personal Accident - Passengers
Personal Accident - Driver
Roadside Assistance
Oman Cover (TPL) - Orange Card
Add-ons for Comprehensive vehicle Insurance
Natural Disaster Cover
Temporary Vehicle Replacement
Off-Road (for SUV)
Car Rental Reimbursement
Why insure your vehicle with Shory?
Shory is the UAE's fully digital motor insurance platform — 100% online, no paperwork, no phone calls. We're licensed by the Central Bank of the UAE (Broker Licence No. 287) and trusted by over one million customers. And unlike any other platform in the UAE, 229 organisations — from Abu Dhabi Police to ADNOC to Etihad — choose Shory for their employees' vehicle insurance.
Compare 21 insurers instantly
Live quotes from all 21 CBUAE-licensed vehicle insurers on our panel — side by side, in one place. See real prices, real coverage, real terms. No quote forms submitted to individual insurers, no callbacks.
100% digital — 90 seconds to policy
Enter your plate, compare, pay, and receive your digital motor insurance certificate by email — all in under 90 seconds. No office visits, no printed forms, no waiting.
Trusted by UAE institutions
229 UAE organisations use Shory — including government ministries, Abu Dhabi Police, Emirates Transport, ADNOC, and Etihad. The same platform is available to individual vehicle owners at the same pricing.
Compare and buy vehicle insurance online instantly with Shory
Getting vehicle insurance the traditional way means calling multiple insurers, waiting for quotes, faxing documents, and visiting a branch. Shory replaces all of that with a single online comparison that takes under two minutes.
Features
Instant vehicle insurance quotes
Compare multiple insurers in one place
100% online — no branch visit
No phone calls required
No paperwork
21 CBUAE-licensed insurers
Best motor insurance price guarantee
Instant motor policy issuance
Traditional
insurance
Shory
insurance
Flexible payment options
Choose from a range of flexible payment options when buying best vehicle insurance with shory. Pay using Visa, Mastercard, or Apple Pay, or split your premium into 4 interest-free instalments for added convenience. With Shory, you can buy vehicle insurance online and manage your payments, making it easier to get covered without paying everything upfront.. Your purchase, your way!
Vehicle insurance guide
Vehicle insurance doesn't have to be confusing. Check out our guide for clear and up to date answers to all your questions.
Car Insurance in the UAE: A Complete Guide
If you own a car or are contemplating a purchase in the UAE, understanding the nuances of car insurance is not just a matter of compliance with the law but a crucial step towards securing your financial well-being. The UAE's motor vehicle laws mandate that every vehicle on the road must have at least third-party insurance, and failure to adhere to this requirement can lead to severe consequences, including hefty fines, license suspension, and even imprisonment in certain cases. In this article, we’ll take a look at everything you need to know before getting a car insurance in the UAE:
How to Get Car Insurance Quotes Online in UAE
In the digital age, convenience is key, and that extends to obtaining car insurance quotes in the United Arab Emirates (UAE). Gone are the days when you had to visit multiple insurance offices or make endless phone calls to get insurance quotes. Now, you can easily get car insurance quotes online in the UAE with just a few taps. In this article, we'll walk you through the steps to ensure you find the best car insurance policy that suits your needs and budget while saving time and effort.
Car Insurance Exclusions in the UAE
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:
FAQs on Vehicle Insurance in the UAE
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