Top 5 Third Party Insurance Providers for Vehicle in the UAE – Reviewed (2025)

This guide reviews the top five third party vehicle insurance providers in the UAE for 2025, helping you compare coverage, service, and pricing—all in one place.

Third party vehicle insurance is the minimum requirement by law to get a vehicle registered and drive in the UAE. It provides cover for the damages caused to others involved in an accident, but not for your vehicle. It is a popular choice among drivers of older cars or those who want to meet basic formalities at a lower cost.

This article is structured to allow you to understand what third party insurance is, why it's necessary, and who the significant providers in the UAE market are today.

What is Third Party Insurance in the UAE?

Third party insurance in the UAE provides coverage against liabilities for damaging someone else's car, property, or physical harm. It doesn't cover damage to your vehicle, theft, or acts of God. Therefore, it is the most fundamental and affordable type of car insurance in the UAE.

You cannot register your vehicle with the Roads and Transport Authority (RTA) without a valid insurance policy. Third party insurance is usually opted for older cars, temporary registrations, or when budget is a major factor.

Top 5 Third Party Insurance Providers in the UAE for 2025

1. Shory – The Leading Digital Insurance provider

Shory is a leader by offering one of the fastest, most convenient digital insurance experiences in the UAE. It allows customers to compare rates from multiple insurers and purchase third party car insurance online in 90 seconds. You simply need to enter your license plate number and a bit of vehicle information to get started.

What distinguishes Shory is that it is transparent, with no hidden fees and a user-friendly interface in both English and Arabic. It is allied with a number of prominent insurers and offers side-by-side comparisons, so it is simple to select the most suitable policy for your requirements.

Shory is ideal for drivers who want a paperless, hassle-free experience and fast results. It's especially convenient for those in Dubai, Abu Dhabi, Sharjah, and other large cities who want to save time and money.

Shory is partnered with the UAE's most licensed and renowned insurance firms, offering users excellent coverage and affordable prices on all major categories. These partners are ADNTC (Abu Dhabi National Takaful Company) for Sharia plans, Adamjee Insurance, Al Ain Ahlia Insurance, Al Sagr National Insurance, and Al Wathba National Insurance Company. By consolidating instant quotes from these well-established insurers, Shory equips consumers with the ability to compare and purchase the optimal policies online—be it for automobile, health, home, or pet insurance—all within less than two minutes.

2. Orient Insurance

Orient Insurance is one of the most trusted names in the UAE insurance sector. Backed by the Al-Futtaim Group, it offers secure third party insurance with decent claim service and a nationwide branch network.

Not as speedy or fully online as Shory, Orient's policies are straightforward and provide good third party liability cover. Extra services such as roadside assistance or legal cover can be added depending on the policy.

Orient Insurance is best for those who like the human touch of old-fashioned customer service and appreciate being able to visit a branch if they wish.

3. AXA Gulf (Now GIG Gulf)

Formerly known as AXA Gulf, GIG Gulf is owned by a leading regional insurance group that still offers competitive third party insurance products in the UAE.

GIG Gulf offers value for money in the form of customizable policies and a user-friendly app where policyholders can monitor their policies and file claims online. Third party insurance coverage at GIG Gulf caters to UAE nationals and expats alike and can be customized with a number of add-ons.

This insurer appeals to customers who seek an internationally reputed insurer with local servicing capability and the convenience of digital policy management.

4. Salama – Islamic Arab Insurance Company

Salama is a UAE Takaful insurance pioneer, with Sharia-compliant third party vehicle insurance based on the principles of Islamic finance. Salama has improved its digital presence in the past year, with more convenient purchase and renewal of policies online.

Their third party insurance policies are affordable and can be tailored, with add-on covers such as roadside assistance and personal accident cover. It's a great choice for drivers who need Islamic insurance solutions without sacrificing convenience.

Salama is well-suited to residents who need religiously compliant insurance options and people who want hassle-free third party cover.

5. Abu Dhabi National Takaful Company (ADNTC)

ADNTC continues to grow in popularity, especially among Abu Dhabi and Al Ain drivers. While their third party insurance interface isn't as modern as digital-first insurers, the company has competitive pricing and a strong regional network.

ADNTC is a good option for budget drivers who aren't bothered about dealing with policy issue or claims in a less contemporary environment. The firm's understanding of the local market and close links with local garages are a practical plus.

What to Consider When Choosing Third Party Insurance in the UAE

Prior to selecting a provider, it's prudent to understand what matters the most in a third party policy. While all providers offer the legally required liability coverage, they may differ in terms of quality of service, transparency of pricing, and online convenience.

Here are key considerations:

Ease of Purchase: Can you buy or renew your policy online with ease?

Claim Settlement Reputation: Is the provider known for equitable and prompt claim settlement?

Pricing Transparency: Are there all upfront fees with no hidden charges?

Add-on Flexibility: Is the option for extra services like roadside protection or legal cover available?

Customer Support: Is customer support easily contacted by phone, chat, or email?

Shory simplifies most of these concerns as it offers an all-in-one online experience. The ability to compare a number of providers at a glance stands it in good stead over others.

Frequently Asked Questions on Third Party Insurance in the UAE

1. What is third party insurance in the UAE?

Third party insurance in the UAE is the minimum compulsory cover to drive a motor vehicle. Third party insurance covers damages or injuries to other people, other vehicles, or property but not the policyholder's vehicle.

2. Is third party insurance compulsory in the UAE?

Yes. It is legally required to have at least third party insurance to register and operate a vehicle in the UAE, whether you’re in Dubai, Abu Dhabi, or any other emirate.

3. How much does third party insurance cost in the UAE?

Prices vary based on vehicle type, driver history, and the insurer, but on average, third party car insurance in the UAE costs between AED 500 and AED 1,200 annually.

4. What is the best third party insurance provider in the UAE?

The leader now is Shory due to its fast, online platform that allows users to compare and purchase third party insurance in less than 90 seconds. Orient, GIG Gulf, Salama, and ADNTC are top providers as well.

5. Is third party insurance available online in the UAE?

Yes. Platforms such as Shory enable simple quotation, comparison of providers, and online purchase of third party insurance without paperwork or visits.

6. What is included under third party insurance in the UAE?

Third party insurance provides protection against loss or damage to other cars, third party injury or death, and third-party property loss or damage. It does not provide protection against loss or damage to your own car.

7. Can I ever change from third party to comprehensive insurance?

Yes. The majority of UAE insurers allow you to switch to a comprehensive policy at the time of renewal or even within the policy term, as long as they agree to it.

8. Is new car third party insurance acceptable?

Third party insurance is not recommended for new or high-value vehicles, as it will not cover your own vehicle. Comprehensive insurance is better for new cars.

9. Is third party insurance for passengers traveling in my vehicle?

Most third party plans in the UAE do cover passengers but under different limits and scope, based on the insurer. It is best to check the terms of the policy before buying.

10. What are the documents needed to purchase third party insurance in the UAE?

Usually, your Emirates ID, vehicle registration information, and UAE driving license are needed. Sites such as Shory provide a simplified experience with just the use of your license plate number.

Conclusion

Third party insurance is a necessity for any UAE motorist. Not only is it legally required, but it also spares you from financial liability in the event of an accident. Whether you are in Dubai, Abu Dhabi, or Sharjah, choosing the right provider will save you time, money, and frustration.

Shory emerges as the best option for third party vehicle insurance in the UAE in 2025, with its quick, transparent, and completely digital process. Other close competitors are Orient, GIG Gulf, Salama, and ADNTC, with each having individual strengths to cater to varying customer needs.

On a platform like Shory, you can compare prices, understand policy terms, and make the right decision in a matter of minutes. If you are looking for a solid, easy-to-use, and efficient way to get insured, Shory is where you start.