UAE Car Insurance Premium Estimator
Estimate your UAE car insurance premium — third-party or comprehensive — with no-claims discount built in. Operates under the CBUAE Unified Motor Vehicle Insurance Policy.
How to use
- 1
Pick coverage: third-party is the legal minimum; comprehensive covers your own car too.
- 2
Pick vehicle age band (newer = cheaper comprehensive).
- 3
Pick driver age band (under-25 has a 30% loading; over-50 a slight 10%).
- 4
For comprehensive: enter current vehicle value and your years with no claims.
- 5
The result is an estimate — get 3 actual quotes before renewing.
Frequently asked questions
Third-party liability (TPL) is the federal legal minimum — it covers damage YOU cause to other people/vehicles. It doesn't cover your own car. Comprehensive covers TPL plus your own car's damage, theft, fire, and (depending on add-ons) acts of nature, agency repair, off-road, and Oman cover. For a car worth AED 50,000+, comprehensive is usually worth the extra premium.
The Central Bank of UAE (CBUAE) since 2020, when Federal Decree-Law 25 of 2020 transferred functions from the old Insurance Authority. CBUAE publishes the Unified Motor Vehicle Insurance Policy that every UAE motor insurer operates under.
Per Insurance Authority Decision 41/2017, the scale starts at 10% (year 1) and reaches 50% by year 5. Market practice extends this — some insurers go to 55-60% for clean 6-7 year records. NCD applies to comprehensive only; TPL premiums don't get NCD.
Sukoon (formerly Oman Insurance, renamed Oct 2022), GIG Gulf (formerly AXA Gulf, renamed June 2022), Liva (formerly RSA Middle East), Tokio Marine, Orient Insurance, ADNIC, Watania, and Salama all operate under the same CBUAE Unified Policy. Always get at least 3 quotes — premiums for the same risk vary by 20-40% across insurers.
Yes — per the Unified Policy, comprehensive claims carry a compulsory deductible (your contribution) typically AED 350-1,500 set by vehicle value/type. Plus most insurers add a voluntary excess if you want a lower premium (e.g. AED 1,000 excess saves ~AED 200 on annual premium).
Oman cover (AED 100-200/yr): cheap insurance for road-trip drivers. Agency repair (AED 200-500/yr): authorised dealer parts instead of aftermarket — worth it for cars under 5 years. Roadside assistance (AED 100-150/yr): cheap peace of mind if your car doesn't include it. Off-road / dune cover: only if you actually go off-road; otherwise skip.
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Source: CBUAE Unified Motor Vehicle Insurance Policy; Insurance Authority Decision 41 of 2017 (NCD scale); current UAE market averages · Last verified 2026-06. CBUAE Insurance Rulebook. This tool provides estimates only and is not legal, tax or financial advice. Always verify your specific situation with the relevant UAE authority or a licensed advisor before taking action.