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Third Party Car Insurance in Dubai: Price, Coverag
Third Party Car Insurance in Dubai: Price, Coverag
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Guest
Guest
Apr 12, 2025
7:10 AM
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If you're a car owner in Dubai, having car insurance is not just a legal requirement — it's a vital part of protecting yourself financially. Among the different types of car insurance available, third party car insurance dubai price is the most basic and affordable option. Whether you're a budget-conscious driver or someone looking for the bare minimum coverage required by law, understanding how third-party insurance works and how much it costs in Dubai is essential.
In this article, we’ll break down everything you need to know about third-party car insurance in Dubai in 2025 — including prices, what’s covered, what’s not, and how to get the best deal.
?? What is Third Party Car Insurance?
Third-party car insurance is the minimum level of coverage required by law in the UAE. It covers damages caused by you to another person’s vehicle or property, as well as bodily injury or death to third parties involved in an accident where you are at fault.
Key Features:
Covers: Damage to third-party vehicles, property, or persons.
Does NOT cover: Damage to your own vehicle or injuries to yourself.
Legal Requirement: Mandatory for all registered vehicles in Dubai.
If you’re at fault in an accident, this insurance ensures the other party is compensated — but any damage to your own vehicle must be paid out of pocket unless you have comprehensive coverage.
?? How Much Does Third Party Car Insurance Cost in Dubai?
The price of third-party car insurance in Dubai can vary depending on several factors, including:
Type and size of the vehicle
Vehicle age
Driver's age and driving history
Insurance provider
Claims history
?? Average Cost in 2025
?? Note: Prices are approximate and can vary by insurer. Discounts may apply for experienced drivers or if bundled with other insurance products.
?? What’s Covered by Third Party Car Insurance?
Here's what is typically included in a standard third-party policy in Dubai:
Coverage Includes:
Damage to another person's vehicle in an accident you caused
Injury or death of a third party
Legal liability expenses arising from the accident
Property damage caused to third parties
Not Covered:
Your own vehicle’s repair or replacement
Medical expenses for you or your passengers
Theft, fire, or natural disasters
Vandalism or malicious acts
Because of its limited coverage, third-party insurance is most suitable for:
Older vehicles with low market value
Experienced drivers with a clean driving record
Budget-conscious car owners
?? How to Choose the Right Third Party Policy
Not all third-party car insurance plans are the same. While the basic legal coverage is standardized, some providers offer additional benefits or better customer service.
Factors to Consider:
Reputation of the Insurer – Choose an insurer with a good claim settlement history.
Customer Service – 24/7 helpline and a smooth claim process matter.
Add-ons – Some insurers offer roadside assistance or legal coverage extensions.
Ease of Purchase/Renewal – Online platforms or mobile apps are a big plus.
Recommended Insurers in Dubai:
AXA (GIG Gulf)
Oman Insurance
Orient Insurance
RSA UAE
Tokio Marine
You can compare policies through platforms like Policybazaar.ae, Souqalmal.com, or directly through the insurers' websites.
How to Get Cheaper Third Party Car Insurance in Dubai
Want to save on your policy? Here are some tips to reduce your premium:
Money-Saving Tips:
Compare quotes online before committing
Avoid unnecessary add-ons
Bundle your car insurance with home or life insurance
Maintain a clean driving record
Pay annually instead of monthly to avoid installment fees
Take advantage of no-claim discounts if you’ve been claim-free in the past
Required Documents for Third Party Insurance in Dubai
When applying for or renewing your insurance, you'll need the following:
UAE driving license (valid)
Emirates ID
Vehicle registration card (Mulkiya)
Copy of previous insurance (if renewing)
Proof of no-claim bonus (if applicable)
Third Party vs. Comprehensive Insurance: Which One is Right for You?
While third-party insurance is cheaper, it might not be the best choice for everyone. Here's how it compares to comprehensive coverage:
Go for Third Party if:
Your car is over 7–10 years old
You want minimum legal compliance
Your budget is limited
Choose Comprehensive if:
Your car is new or high value
You want peace of mind
You want broader protection
When Should You Renew Your Policy?
In Dubai, car insurance policies are valid for 12 months, with a 30-day grace period for renewal. Failing to renew in time can lead to fines and potential blacklisting.
Late Renewal Penalties:
AED 500 fine
Vehicle impoundment
Black points on driving license
To avoid issues, set a reminder or opt for auto-renewal with your insurance provider.
?? Final Thoughts
Third-party car insurance in Dubai is a cost-effective solution for drivers looking for the minimum legal protection. While it doesn’t offer full coverage, it’s ideal for older vehicles and low-risk drivers. In 2025, the average cost ranges from AED 800 to AED 3,000, depending on the vehicle type and insurer.
Make sure to compare policies, read the fine print, and choose a provider that balances price with customer support. Whether you're a new driver or renewing your policy, staying informed is the best way to save money while staying legally protected.
? Quick Recap:
Legal requirement in Dubai
Covers damage/injury to third parties only
Prices start from AED 800
Best for older or budget vehicles
Not suitable for high-value cars or new drivers
Want help comparing policies or calculating your exact third-party insurance cost in Dubai? Just ask! I can guide you through the process or even help write a cost comparison summary tailored to your car.
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