Compare third-party and comprehensive motor cover on what each one pays for, before you renew.
Every car on UAE roads needs at least third-party liability cover to register and drive, set by the CBUAE unified motor policy. Comprehensive cover adds damage to your own vehicle plus options like agency repair and GCC travel. The cheapest quote is rarely the best: compare excess, agency-repair period and geographical cover, not just price.
Two policies at the same price can differ sharply on these four points.
The amount you pay on each claim. A lower premium often hides a higher excess.
Repairs at the manufacturer's dealer with genuine parts, usually for newer cars only.
Breakdown, towing and battery help. Included on some policies, an add-on on others.
Oman and wider GCC travel is usually a paid extension, not standard cover.
The two motor policy types, compared on what each one pays for.
| What it covers | Third-party liability | Comprehensive |
|---|---|---|
| Injury or death you cause to others | Covered | Covered |
| Damage you cause to others' property | Covered | Covered |
| Damage to your own vehicle | Not covered | Covered |
| Fire and theft of your vehicle | Not covered | Covered |
| Agency (dealer) repair | Not covered | Optional add-on |
| Personal accident, driver | Not covered | Optional add-on |
| Roadside assistance | Not covered | Optional add-on |
| Oman / GCC extension | Not covered | Optional add-on |
Standard cover positions under the UAE unified motor vehicle insurance policy. Specific limits, excess and available add-ons vary by insurer and policy, so always check the policy schedule. Source: CBUAE Rulebook, unified motor vehicle insurance policy.
Insurers active in the UAE motor market. Side-by-side product tables are added as each insurer is verified against the CBUAE register.
Yes. At least third-party liability motor insurance is a legal requirement to register and drive a vehicle in the UAE, under the CBUAE unified motor vehicle insurance policy. You cannot renew vehicle registration without valid cover.
Third-party liability pays for injury or damage you cause to others. It does not repair your own car. Comprehensive cover adds damage to your own vehicle, with options for fire, theft, agency repair and roadside assistance. Limits and add-ons vary by insurer.
Agency repair means your car is repaired at the manufacturer's authorised dealer using genuine parts, rather than a third-party garage. It is usually offered on comprehensive policies for newer cars, often for the first few years, and costs more. Check the policy for the agency-repair period.
Not automatically. Cover for Oman or wider GCC travel is usually an optional extension you add to a comprehensive policy, sometimes for an extra contribution. Confirm the geographical cover and any Oman orange-card requirement with the insurer before you travel.
Most drivers auto-renew and overpay. Check the excess, agency-repair period and geographical cover side by side first.
Compare all cover →Tell us your car and emirate and we will help you compare suitable cover. No cost, no obligation.
Get a quote →Usually replies within minutes