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Comprehensive car insurance cover is the better option, as it covers own damage and Third-party liability.

Factors that affect the cost of car insurance in UAE are:

• Value of your vehicle
• Driving history
• Age of the driver
• Claims history

Please fill out the form above and our car insurance experts will get in touch with you shortly.

Documents required to obtain car insurance for a Brand-New or a pre-owned car

• Copy of vehicle registration/mulkiya (if the vehicle being purchased from an individual)
• Showroom invoice (brand new/pre-owned)
• Vehicle clearance certificate (VCC copy – for brand new vehicles)
• Valid driving license issued in UAE/GCC.
• Home country license (if available)
• Emirates ID

Renewing your existing car insurance policy

• Copy of vehicle registration card/mulkiya
• Valid driving license issued in UAE/GCC.
• Home country driving license (if available)
• Emirates ID
• If the current insurance is expired, insurer might request for survey of the vehicle or pictures of all sides of vehicle, and a passing certificate form RTA.

In the unfortunate event of an accident, please follow the below instructions:

• Try moving your car to a safe place, if possible
• Turn the hazard lights on
• Dial 999 and inform the police or if the damages are minor, you can report the accident via the Dubai Police app.
• You will receive the accident report from police which needs to be submitted to the Agency/garage for repairs.

*Note: It is illegal to carry out repairs without reporting the accident to the police. Also, insurance companies do not repair vehicles without the mandatory police report.

• Notify your Car Insurance provider about the accident and submit the police report, registration card and driving license of the driver at the time of accident.
• If the vehicle is not in moving condition, you can call the breakdown assistance service to move your vehicle to the nearest garage.

Please notify your claim by calling us 800 Gargash (Ext 402) or by sending an email to claims@gargashinsurance.com along with the required documents. Our claims team is available from Monday to Friday from 8 AM to 5:30 PM.

DOCUMENTS REQUIRED

• Copy of the police report (pdf)
• Copy of the vehicle registration/mulkiya
• Copy of the driving license
• Copy of the Emirates ID

Once submitted, our dedicated claims team will work with the insurance company and update you on the next steps

insurance is not transferable; hence the car buyer will have to take a new car insurance under his name. Our car insurance experts will help you get a competitive quote and arrange refund on existing insurance, if applicable.

Yes, if your vehicle is with a 4x4 capability and the coverage is included in the policy.

*subject to policy terms which vary depending on the insurance company.

You are eligible to purchase a car insurance in UAE if you are a resident of UAE, above 18 years of age, and possess a valid UAE Driving license

If the current policy has expired, insurance will not be covered, and claims will be subsequently declined.

Excess is an amount that the customer will have to pay under comprehensive policy towards the repair of his vehicle in case of non-recoverable own damage claims.

Yes, you can as long as the vehicle model year is not too old.

Our car insurance experts can help you on this request. Please fill the above, and our experts will contact you shortly.

Refunds on car insurance policies are subject to no claims. If there are claims reported, you will not be eligible for a refund.

Also, if the insurance policy is active for more than 8 months, there will not be any refund.

Additional optional covers such as temporary rent-a-car facility, personal accident benefit to driver and passengers, territory extension to Oman or GCC countries and breakdown assistance etc. can be added to your car insurance policy

• Agency repairs : An insurance policy with 'agency repairs' guarantees that the insurance company will have your car repaired with the authorized dealer’s workshop.
• Non-Agency repairs : An insurance policy with ‘non-agency repairs’ will have your car repaired with the insurer’s approved workshop or garage.

• No claims discount is reduction in premium in the form of discount from insurers based on your no claims history.
• Insurers might request for no claims certificate from the previous insurer to provide this discount.
• No claims discounts are not applicable on minimum premiums.

• You can get agency repairs for 2 years from the date of its first registration, it is extendable for up to 5 years provided no claims are reported.
• Agency repairs beyond 2 years will attract additional premium loadings.

• The type of roadside assistance services you will receive in case of car breakdown include towing assistance and off-road vehicle retrieval.

Since rent-a-car is a temporary benefit, insurers will provide a standard saloon/sedan car in the range of 1.6 to 1.8 litres. This service differs from insurer to insurer. You can speak to our car insurance experts, and they will be able to guide you to select the most suitable cover.