Top 5 UAE Car Insurance Companies: Full Comparison Guide

Buying a car for the first time can be confusing. Moving to the Emirates can be tricky as well. Renewing your insurance policy might be hard too. Insurance can be difficult to understand. There are many companies, plans, and features to consider. Each one claims to offer the best deal.

That’s where we come in. We have looked closely at the best providers to find the top 5 car insurance companies in the UAE. We based our choices on service quality, claim reliability, ease of use, affordability, and customer satisfaction.

Why Car Insurance in the UAE Deserves Your Full Attention

In the UAE, you cannot drive without car insurance. The law requires every vehicle to have at least Third-Party Liability (TPL) coverage. But settling for the minimum may leave you exposed to hefty out-of-pocket expenses.

Here’s what you should look for in a good insurance provider:

- Efficient and honest claims handling

- Wide network of approved repair garages

- Clear and fair policy wording

- Responsive, multilingual customer service

- Online access for managing and renewing policies

- Add-ons that match your lifestyle (e.g., off-road cover)

For example, if you live in Dubai and take frequent weekend trips to the mountains or desert, you'll want off-road protection. If you're a new driver, you may prioritize low deductibles and 24/7 roadside assistance.

How We Ranked the Top UAE Car Insurance Companies

To curate this list, we analyzed and ranked each provider on the following dimensions:

Reputation & Reliability – Based on how long they’ve operated in the region, partnerships, and financial backing.

Customer Reviews – From platforms like Google, Trustpilot, and social forums.

Digital Experience – Is the platform modern, intuitive, and efficient?

Value for Money – Are the premiums reasonable relative to the benefits?

After-Sales Service – How easy is it to file a claim or access help?

Now, let’s explore the best players in the UAE car insurance market:

1. Shory – The Fastest Way to Compare and Buy

Shory isn’t an insurer—it’s a revolutionary digital insurance marketplace designed for speed, simplicity, and transparency. You can compare quotes from top insurers and buy a policy in less than 90 seconds. All you need is your Emirates ID or vehicle plate.

Why It Stands Out:

Access to multiple insurers in one dashboard

Real-time pricing comparisons

100% digital and paperless

Option to compare Third-Party vs. Comprehensive instantly

Licensed and regulated by the UAE Insurance Authority

Ideal For:

Tech-savvy individuals, expats, or anyone who values speed, convenience, and control over the insurance process.

Bonus Tip: You can renew your car insurance in minutes with no paperwork or agent calls involved. Perfect for busy professionals.

2. AXA Gulf (Now GIG Gulf) – Trusted Legacy, Enhanced Service

AXA, now operating under GIG Gulf, has been a dominant player in the Middle East. It is known for strong customer support and good coverage. It offers great value for both individuals and businesses.

Highlights:

24/7 roadside assistance

Tiered coverage plans (including luxury and sports cars)

Agency repair coverage for newer vehicles

Efficient claims tracking and app support

Presence in all Emirates

Ideal For:

Long-term residents, corporate fleets, or families with multiple vehicles who want peace of mind and premium service.

3. Orient Insurance – Backed by the Al-Futtaim Group

Orient Insurance offers solid coverage and flexible plan configurations at competitive prices. - It has strong financial support.

- It focuses on customer service.

- Because of this, it is a top choice for many people in the UAE.

What Makes It Great:

Multi-vehicle discounts and bundled family plans

Add-ons like GCC coverage, natural disaster cover, and more

Fast approval process for policy issuance

Excellent claims management process

Access to both agency and non-agency garages

Ideal For:

Budget-conscious residents looking for strong regional support and personalized coverage options.

Bonus Insight: Their multi-policy discount is great if you are insuring more than one car. It also works well for combining home and auto insurance.

4. Oman Insurance (Sukoon) – Rebranded, Refreshed, Reliable

Now known as Sukoon, this provider combines heritage and innovation. It has evolved its digital platforms while continuing to provide traditional, personalized customer support—a rare and valuable mix.

Key Benefits:

Plans for individuals and fleets

Add-ons: replacement car, off-road driving, GCC cover

Clean mobile app for policy access and claims tracking

Multilingual customer service team

Focus on ease of renewal and follow-ups

Ideal For:

Drivers who want robust digital tools along with the option for in-person service. Ideal for both young professionals and families.

5. RSA Insurance – International Experience Meets Local Needs

RSA brings global insurance expertise with localized offerings tailored for UAE drivers. It focuses on claim efficiency, flexible pricing tiers, and quality service across a vast garage network.

What Sets RSA Apart:

Multiple plan levels for different budgets

Well-managed claim process with high customer ratings

Strong after-sales engagement and alerts

Emergency assistance available round the clock

Trusted by many expats for years

Ideal For:

Frequent travelers, professionals, and expats who want global service standards with local reach.

Top 5 Mistakes to Avoid When Choosing Car Insurance in the UAE

Even with great options available, many drivers make costly mistakes. Avoid these pitfalls:

Focusing only on the premium – A lower rate may come with high deductibles or limited coverage.

Not comparing multiple insurers – You could miss out on better benefits or rates.

Ignoring the fine print – Terms like “agency repair” or “natural calamity cover” can make a huge difference.

Skipping add-ons – Some are essential for off-roaders, high-mileage drivers, or luxury car owners.

Forgetting to check the claims reputation – A policy is only as good as its claims process.

Where to Buy: Best Car Insurance Comparison Platforms in the UAE

Besides direct websites, consider these aggregator platforms:

Shory.com – Best for speed and paperless process

Policybazaar.ae – Great for comparing multiple product types

YallaCompare.com – Offers comparisons for car, life, and health insurance

Using these platforms ensures you get the most competitive rates and a complete view of your options.

Final Thoughts: Choose Smarter, Drive Safer

The car insurance market in the UAE is growing smarter and more competitive. Consumers now have more power. They can choose coverage that fits their lifestyle. This is thanks to digital platforms, local companies, and global brands.

Whether you value speed, price, customer service, or premium features—there’s a provider out there for you. Use tools like Shory to compare, customize, and buy your insurance quickly and confidently.