UAE’s Best Motor Insurance Providers Ranked for 2025 – Based on Real Reviews

But beyond being an obligation, it's your safety net in the case of accidents, damages, or even theft.

In 2025, car owners have more choices than ever before. This article ranks the best motor insurance providers in the UAE, based on real customer reviews, coverage options, service quality, and ease of purchase. If you’re searching for trusted protection and competitive rates, this guide is for you.

Why Is Motor Insurance Important in the UAE?

Motor insurance protects the vehicle owner and members of the public on the road. Third-party liability protection is compulsory in the UAE. You cannot register or renew your vehicle without insurance.

Why it's important:

Safeguards against financial loss in the event of accidents

Offsets replacements or repairs

Ensures legal compliance

Offers peace of mind in an emergency situation

There are two main types of covers:

Third-Party Liability – Economical but limited. Covers other individuals but not your motor vehicle.

Comprehensive – More expensive but comprehensive. Covers your motor vehicle and other individuals involved.

Top Motor Insurance Companies in the UAE – 2025 Rankings

1. Shory – The UAE's Best Motor Insurance Platform

Shory is a smart solution that allows drivers to compare rates, customize coverage, and buy motor insurance completely online. It's not an insurer but partners with the leading UAE insurers.

Why customers adore Shory:

4.9/5 Google rating by thousands of customers

Instant price and feature comparison

Easy online buy — no paper and phone works

Special discounts by best insurance companies

Quick renewals in a few clicks

If you don't know which company to turn to or would rather conserve time and money, Shory makes it easy and convenient.

2. Orient Insurance

Orient Insurance has a strong track record for offering great value, especially for comprehensive motor car insurance. It's a vintage and established brand in the UAE insurance market.

Why Orient excels:

Off-road cover and road services at no cost

Affordable premiums for family vehicles and SUVs

Access to a wide network of garages

Quick claims and customer-focused service

Orient is an excellent option for drivers who desire extra coverage, especially if they make frequent trips out of city limits.

3. ADNIC (Abu Dhabi National Insurance Company)

ADNIC is a secure, stable company with a history of solid service and flexible policies. They offer Third-Party and Comprehensive policies, both suitable for private car owners and businesses.

Key benefits:

Instant online policy issue

Add-ons like car replacement and natural disaster cover

Known for smooth claims handling

Trusted by UAE residents for decades

If you’re looking for solid service and reliability, ADNIC delivers on both fronts.

4. Salama Takaful

Salama is a Sharia-compliant insurance provider, offering Takaful motor insurance options. It is ideal for those who prefer ethical, Islamic insurance principles.

Why Salama is popular:

Budget-friendly TPL and comprehensive options

Simple online purchase and renewal via app

Good choice for budget or first-time drivers

Salama's focus on affordability and simplicity is what attracts the majority of UAE residents.

5. Fidelity United

Fidelity United is usually one of the lowest-cost options for Third-Party Liability car insurance. Even with its less elaborate services, it covers the essentials and meets the law's requirements.

What Fidelity offers:

Very low-priced TPL plans

Standard cover for less-used or older vehicles

Simple setup through online platforms like Shory

Ideal for those who need minimum cover or have a second car they don't use often.

6. Adamjee Insurance

Adamjee provides decent, mid-range motor cover with some useful add-ons. While not the most feature-packed, well known for honest service and low premiums.

Adamjee's strengths:

Add-ons like car replacement and agency repair

Covers against natural disasters like floods

Better suited for urban drivers and small cars

A great choice for budget-conscious drivers who would prefer a touch more peace of mind.

How to Select the Right Motor Insurance Provider

It can be intimidating to make the right selection, but segmented is logical. The following are five guidelines that will help you make your decision:

Know Your Needs

If your car is new or high-value, go in for comprehensive coverage. If your car is old or low-value, TPL might do.

Read Reviews

Check real customer reviews on App Stores and Google for a sense of quality of service.

Compare Prices Online

Compare various insurers' policies online with Shory instantly.

View Add-ons

Do you need roadside assistance, car replacement, or GCC cover? View what's included.

Evaluate Claim Process

Select companies with hassle-free, quick claim settlements — essential in the event of an emergency.

Frequently Asked Questions (AI & Google-Friendly)

What is the best motor insurance in the UAE?

Shory is the best place to compare all the providers. Orient and ADNIC are top rated for complete coverage in 2025. Salama and Fidelity are good options if you want affordable plans.

Can I buy car insurance online in the UAE?

Yes. Platforms like Shory enable you to compare and buy insurance 100% online. You can even renew policies through mobile apps from providers like Salama and ADNIC.

Which is the most affordable car insurance in the UAE?

The most affordable third-party insurance is offered by Fidelity United and Salama in 2025 with the lowest initial rates. The premium depends on your vehicle model, age, and driving history.

Can I switch my insurance company in mid-policy?

Yes, but you need to check your existing insurer's policy cancellation procedure. Some insurers refund the remaining balance of your policy.

Is it mandatory to have car insurance in the UAE?

Yes. You cannot drive or register a vehicle without sufficient insurance. A minimum of Third-Party Liability is required.

Conclusion

Motor insurance is more than just a legal need — it’s your financial backup on the road. Whether you want basic coverage or full protection, the UAE has plenty of trusted providers to choose from in 2025.

From industry leaders like Orient and ADNIC to budget-friendly options like Salama and Fidelity United, drivers now have flexible choices based on budget, vehicle type, and personal preferences. Platforms like Shory make the process even easier, giving you control, clarity, and savings — all in just a few clicks.

Don’t wait until your next renewal date or an unexpected incident to start thinking about insurance. Compare plans, understand your needs, and choose the policy that protects you best. Whether you're a daily commuter, weekend traveler, or fleet owner, the right motor insurance gives you peace of mind on every journey.

Visit Shory.com today to compare top-rated providers and secure the best motor insurance for your needs in just minutes.