Beginner’s Guide to Car Insurance in the UAE
Aug 15, 2025
Are you a new driver or expat wondering how car insurance works in the UAE—and why it feels so complicated? You're not alone. Between unfamiliar terms, coverage options, and document requirements, it can feel like a maze. But don’t worry—this beginner’s guide from Kamal Insurance will simplify it all.
Let’s walk you through everything you need to confidently choose your first (or next) car insurance policy—without any hitch
Car Insurance is Mandatory in the UAE
In the UAE, you cannot register or drive a car without valid insurance. It’s a legal requirement to protect both you and others on the road. Driving without insurance can result in fines, penalty points, or even the impounding of your vehicle.
Good to know: Even if you’re not at fault in an accident, having valid insurance ensures your claim is processed smoothly and your rights are protected.
The Main Types of Car Insurance in the UAE
1. Third-Party Liability (TPL) Insurance – The Minimum Required by Law
This is the most basic and affordable form of car insurance. It only covers damages you cause to others—like another car or property. It does not cover damage to your vehicle.
Choose this if:
- Your car is older
- You're on a tight budget
- You only need basic legal protection
2. Comprehensive Insurance—Full Protection for You and Others
This covers third-party damages plus your very own car, even if you’re at fault. It may also include theft, fire, vandalism, natural disasters, and more.
Choose this if:
- You drive a new or luxury vehicle
- You want peace of mind in all situations
- You prefer full financial protection
Add-Ons That Enhance Your Coverage
Kamal Insurance allows you to customize your plan with optional add-ons such as:
- ✅ Roadside Assistance – For breakdowns, flat tires, or battery issues
- ✅ Off-Road Cover – Great for desert adventurers
- ✅ GCC Extension – If you drive to neighbouring countries
- ✅ Natural Calamity Cover – For flood, hail, or sandstorm damage
- ✅ Accident Cover – Extra protection for drivers and passengers
Documents You Need to Buy Car Insurance in the UAE
You’ll need:
- Emirates ID (Front & Back)
- UAE Driving License
- Car Registration Card (Mulkiya)
- Optional: No Claim Discount Certificate (for a lower premium)
With Kamal Insurance, you can upload these digitally—no printing or scanning required.
How to Compare Car Insurance Plans
Here’s what to look at when comparing car insurance:
| Factor | Why It Matters |
|---|---|
| Premium Cost | Must fit your budget |
| Coverage | TPL or Comprehensive (plus add-ons) |
| Excess (Deductible) | What you pay before insurance kicks in |
| Garage Network | Are repairs done at agency or network garages? |
| Claim Process | Is it digital and fast like Kamal’s? |
Get Insured in Minutes – Paperless Car Insurance from Kamal
At Kamal Insurance, we’ve removed the hassle completely from the 3rd-party insurance process. Here’s how in a few clicks:
- Visit KamalInsurance.ae
- Enter your car and license details or simply upload your documents
- Get a real-time quote instantly.
- Make secure payment online
- Download your e-policy immediately
No paperwork. No visits. No phone calls. Just 100% digital convenience.
FAQs – Beginner Car Insurance Questions, Answered
🟡 Do I need insurance before registering my car?
Yes, insurance is a prerequisite for registration or renewal in the UAE.
🟡 Can I switch insurance providers mid-policy?
Yes, but there may be cancellation fees. Always check your policy terms.
🟡 Is third-party insurance enough for daily driving?
Yes, if you want to meet legal requirements—but it won’t cover your damages.
🟡 How do I claim car insurance?
With Kamal, just upload your claim and photos online—no paperwork or long calls needed.
Final Tips for First-Time Car Insurance Buyers
- ✅ Choose coverage based on your car’s value and your risk tolerance
- ✅ Don’t focus only on price—consider claims support and digital experience
- ✅ Always read the fine print on what is excluded from coverage
- ✅ Make sure your policy is RTA-integrated for instant registration
Ready to Buy Car Insurance Online?
Join thousands of UAE drivers who have made the switch to digital, paperless insurance with Kamal. Whether you need third-party coverage or a full protection plan, Kamal makes it easy, affordable, and instant.
👉 Get your Third-party insurance Quote Now – No paperwork, no waiting, no stress.
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