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Compare, customize and get quotes for your car from our top trusted companies. For free.

Buy

Buy your car insurance policy online using our secure checkout. We guarantee the best price.

Manage

Access and manage your car insurance online, anywhere and anytime.

What types of car insurance do we offer?

At Aqeed, we offer two types of car insurance:

Comprehensive car insurance

Third-party liability cover
Own damage cover
Man-made and natural calamities cover
Personal accident cover

Third-party liability car insurance

Mandatory in the UAE
Limited coverage
Protect against injury on third-party and their property

Comprehensive car insurance

Third-party liability cover
Own damage cover
Man-made and natural calamities cover
Personal accident cover

Third-party liability car insurance

Mandatory in the UAE
Limited coverage
Protect against injury on third-party and their property

Why do I need car insurance in the UAE?

In the UAE, car insurance is mandatory by law, (just like health insurance!). So, whether you live in Dubai, Abu Dhabi or Sharjah, if you do not have motor insurance coverage, you may be subject hefty penalization. That means that any four-wheeler operating on UAE roads should have at least valid third-party insurance cover. The key advice to make sure you are covered properly is to compare car insurance quotes online and access all the insurance providers’ offers. This option helps you choose the coverage that best suits your vehicle and budget and to give you complete peace of mind (in case of any loss or damage). Additionally, upgrading to comprehensive insurance cover may bring you more advantages and:

Cover your car repairs
Covers the repairs of the other parties
Covers your health costs due to an accident
Covers the health costs of the other parties in case of an accident
Cover your car repairs
Covers the repairs of the other parties
Covers your health costs due to an accident
Covers the health costs of the other parties in case of an accident

How is my car insurance premium calculated?

Various personal and car factors, as well as car parts, are taken into consideration, including but not limited to:

Purpose of car usage
Claims history
Number of driving years
Car make and model
Manufacture year
Market car value
Purpose of car usage
Claims history
Number of driving years
Car make and model
Manufacture year
Market car value
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How does Car Insurance work?

Access Aqeed.com to compare car insurance quotes from all the top insurance companies

Select the motor insurance policy that meets your needs the most and pay the premium to the insurance company.

The insurance company issues a policy with a promise to pay you any losses that might occur in the future, in exchange for the premium.

In case of an accident, the insurance company pays all the losses excluding the deductible amount, which is compensated by you.

Also, at Aqeed, we instantly remind our customers about their policy renewal before it expires.

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Introduction to Insurance

What is car insurance?

Car insurance is an agreement in which you pay an annual amount to a company and, in return, they repair your car in case of an accident. There are 2 types of motor insurance in UAE:  third-party insurance and comprehensive insurance. The former is obligatory, and it covers the cost of repairing the other person's car in an accident. The latter is a more advanced type of auto insurance coverage and additionally fixes your car and your own damages.

How does having a car insurance in the UAE benefit you? Other than being mandatory by law, having an insured vehicle in the UAE brings you convenience and security in the case of the most unforeseen events. The benefits of having a choice is that you can go basic or full mode: if you are looking for cheap car insurance in the UAE, you can opt for third-party car insurance which repairs the damages of the other car and passengers in case of an accident or comprehensive car insurance which will cover you as a driver, your car, as well as the other car involved in the accident.

Car insurance quotes comparison is the new ‘trend to stay’ in the UAE. Insurance shouldn’t be a hassle and you shouldn’t have to deal with middlemen out to fool you. Digital car insurance agents are communicating transparency by displaying a variety of insurance quotes from a variety of insurance providers. Today, you have the option to go digital and enjoy a smooth and convenient process. You can find cheap car insurance quotes online by customizing and selecting the policy that suits your budget best.

Owning car insurance in Dubai, Abu Dhabi or any other emirates also doesn’t have to mean going against your beliefs and religious standards; takaful insurance (Islamic insurance), a sharia-compliant car insurance in the UAE is an option available. Being a good driver here is rewarding. Drive safely for a year or more and insurance companies will offer you a no-claims discount (ncd). Try staying safe for many years and your discount may go up. The safer, the merrier.

Planning a non-traditional road trip this weekend? You can still be protected off-road. Add this option when purchasing your comprehensive car insurance policy and get as adventurous as your desire on the sandy dunes of Dubai.

If your car is less than 3 years old, agency repair is a must-have option. This add-on will make your vehicle eligible for repair from the manufacturer of your car brand in case of mishaps.

The luxury of having a comprehensive car insurance policy will give you extra comfort in times of accidents. For prices as little as AED 30 to 40, roadside assistance will tow your car and take you home if you find yourself with no ride in the middle of nowhere, 24 hours a day.

What are the benefits of buying online car insurance in UAE?

Let's face it, insurance can often be confusing and misleadingly labeled. In this era of technological advancement, car insurance agents in the UAE are making the process smoother and easier for everyone to comprehend. How? Compare car insurance online and savor the freedom to choose the car insurance coverage that meets your demands most, without other misleading opinions, as you browse multiple motor insurance coverage options from the best insurance companies in Dubai. With such a wide range of choice comes the option for cheaper plans and avoiding endless calls to many middlemen. You can enjoy the type of convenience that offers: no physical documents at hand, the striking speed of the process, expert customer service, the user-friendliness of the platform, the choice for cashless transactions, the benefit of ongoing discounts, live support that answers all your questions and the reviews presence which helps you pick your preferred platform.

Documents you need for a car insurance in UAE

When buying car insurance in the UAE, you will need to provide several important documents. Depending on the terms and conditions of your vehicle or insurance, below are the required records and necessary vehicle details:

 

Normal car insurance renewal:

  • Emirates ID
  • Driving License
  • Car Registration Card

Brand-new Vehicle Insurance:

  • Emirates ID
  • Driving License
  • Showroom Quotation
  • Bank Approval Letter (If bank financed)

Insurance for second hand cars:

  • Emirates ID
  • Driving License
  • Owner’s previous Registration Card or Possession Certificate or Transfer Certificate
  • Car Photos
  • Passing Certificate of vehicle check

If car insurance expired:

  • Emirates ID
  • Driving License
  • Car registration
  • Passing certificate of vehicle check
  • Dated Car Photos
  • A Physical survey, known as a car inspection done by the insurance company is also needed if the auto insurance has been expired for more than 1 month

From third-party car insurance to comprehensive car insurance:

  • Emirates ID
  • Driving License
  • Car registration
  • Physical Inspection from the insurance company. In some cases, no physical inspection is needed if car photos and passing certificate are presented

For comprehensive car insurance:

  • Emirates ID
  • Driving License
  • Car registration
  • Passing certificate of vehicle check

For agency repair:

  • Emirates ID
  • Driving License
  • Car registration
  • Proof of no claim certificate. (in case it is your third year of agency repair, you will need to present your last year’s policy schedule.)
What is the process when you buy your car insurance from Aqeed?

At Aqeed, we are all about transparency in all our insurance products. Diving into auto insurance, we want you to understand what happens from the moment you buy, till the moment your car insurance policy is issued. The process will help you grasp Aqeed’s role vs. our insurance providers.

Step One: You will start your car insurance journey by filling out the online form with the required information. We ask you some personal questions, some car questions and some vehicle insurance questions. This is information we need to provide you with the right quotes from our insurance partners.

Step Two:  You can then access the policies most relevant to you, pick the ones you prefer and click on compare at the bottom of the insurance quote.

Step Three:  Then you will compare plans, choose the one that best suits you and upload the required documents.

Step Four: Next insert your payment details (which will only serve as an authorization on your card)

Step Five: Our insurance advisors will now check the validity of your documents. In case of car value mismatch, age issue, tariff mismatch or invalidity of documents, your records will be sent to the main insurance provider.

Step Six:  Finally, once your papers have been approved, we immediately issue your policy and debit your account.
PS: Don't forget to present your claims bonus certificate for an extra discount !

Cancelling your car insurance policy with Aqeed is also possible. Depending on the scenario here are the options:

  1. We took an authorization on your card, but the policy has not been issued yet: we will simply cancel the order and void the authorization, there is no cancellation fee.
  2. Your car insurance policy has been issued and you have proceeded with the payment, however, you have not registered the policy with your card: you get a full refund, but certain insurers might charge a small cancellation fee.
  3. Your car insurance policy has been paid for, issued and used for a period: you receive a partial refund, the exact amount depends on the insurer providers. The processing will take 2-3 weeks and any discounts provided will be deducted from the partial refund amount. Note that the partial refund is only applicable if there were no claims on the policy.
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