Car insurance is mandatory in the Emirates and owners can not register their vehicles without it.
Car insurance is mandatory in the Emirates and owners can not register their vehicles without it.

Top tips on how to choose the right car insurance

There's no escaping it: car insurance is mandatory in the Emirates and you can't register your vehicle without it. If it's time to renew your policy or you have bought your first car and don't know what you need, there are a few issues you need to be aware of. It's best to start by doing your homework and working out the type of cover you need before signing on the dotted line. But if you are still unsure about what to choose, Rumi M Sanjana, the director of general insurance at Nexus Insurance Brokers, says an independent financial adviser can offer guidance.

1) Don't get overwhelmed

Sit back, take a deep breath and don't get overwhelmed by the huge range of deals available across the UAE. From insurance companies and brokers, banks and even the car dealers themselves keen to pair you off with their provider of choice, you will be presented with plenty of automotive food for thought.

2) Don't go it alone

The best option is to consult an independent financial adviser who can guide you with regard to the appropriate policy. This will ensure that the adequate motor, liability and accident cover is in place to provide protection against claims arising from a motor vehicle accident.

3) Understand the maths

Premiums are calculated according to the year, make and model of the car, size of the engine, age of the driver, claims history and value of the motor vehicle. Rates ranging between 2.7 per cent and 7 per cent per annum could be on offer in the market, but this would depend on the above factors. Policies from reputed insurers normally include 24/7 accident and recovery service, liability to members of family, personal injury cover for the driver, repairs at authorised dealers (depending on the age of the vehicle), off-road cover and medical expenses in an emergency situation.

4) Third-party only insurance

This might be a cheaper option, but it will only cover injuries or death to third parties, as well as damage to their vehicle or property. You and your car are not insured. If you have taken out a loan to buy your car, most banks will insist that you have comprehensive cover because it protects the asset - in this case, your car - and they will insist on their name being incorporated as mortgagor in the policy.

5) No-claim discounts

Driving safely does have its advantages and motorists who can present an original no-claims bonus certificate from their previous insurance company could be eligible for a discount on their motor insurance premiums. The discount can range from zero per cent to 40 per cent. But this, of course, depends on your claims history.

6) Mind your health

You should also remember to reassess coverage related to health insurance. Although comprehensive car insurance will cover you for any accidental emergency, long-term injuries that require continuing treatment would be better covered by a separate medical insurance policy. The chance of sustaining a permanent disability may also lead you to review your injury cover, which should pay out if you sustain an injury that prevents you from working, and earning, at your original capacity.

7) Drive carefully

Don't drive under the influence, don't text or chat on your phone, don't speed and keep your eyes on the road. Driving can be a pleasure, but there is no need to be distracted or to take any chances.


July 5, 1994: Jeff Bezos founds Cadabra Inc, which would later be renamed to, because his lawyer misheard the name as 'cadaver'. In its earliest days, the bookstore operated out of a rented garage in Bellevue, Washington

July 16, 1995: Amazon formally opens as an online bookseller. Fluid Concepts and Creative Analogies: Computer Models of the Fundamental Mechanisms of Thought becomes the first item sold on Amazon

1997: Amazon goes public at $18 a share, which has grown about 1,000 per cent at present. Its highest closing price was $197.85 on June 27, 2024

1998: Amazon acquires IMDb, its first major acquisition. It also starts selling CDs and DVDs

2000: Amazon Marketplace opens, allowing people to sell items on the website

2002: Amazon forms what would become Amazon Web Services, opening the platform to all developers. The cloud unit would follow in 2006

2003: Amazon turns in an annual profit of $75 million, the first time it ended a year in the black

2005: Amazon Prime is introduced, its first-ever subscription service that offered US customers free two-day shipping for $79 a year

2006: Amazon Unbox is unveiled, the company's video service that would later morph into Amazon Instant Video and, ultimately, Amazon Video

2007: Amazon's first hardware product, the Kindle e-reader, is introduced; the Fire TV and Fire Phone would come in 2014. Grocery service Amazon Fresh is also started

2009: Amazon introduces Amazon Basics, its in-house label for a variety of products

2010: The foundations for Amazon Studios were laid. Its first original streaming content debuted in 2013

2011: The Amazon Appstore for Google's Android is launched. It is still unavailable on Apple's iOS

2014: The Amazon Echo is launched, a speaker that acts as a personal digital assistant powered by Alexa

2017: Amazon acquires Whole Foods for $13.7 billion, its biggest acquisition

2018: Amazon's market cap briefly crosses the $1 trillion mark, making it, at the time, only the third company to achieve that milestone

Company Profile

Company name: Namara
Started: June 2022
Founder: Mohammed Alnamara
Based: Dubai
Sector: Microfinance
Current number of staff: 16
Investment stage: Series A
Investors: Family offices


Dir: Guy Nattiv

Starring: Jamie Bell, Danielle McDonald, Bill Camp, Vera Farmiga

Rating: 3.5/5 stars

Living in...

This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home. 

What She Ate: Six Remarkable Women & the Food That Tells Their Stories
Laura Shapiro
Fourth Estate

Pros and cons of BNPL


  • Easy to use and require less rigorous credit checks than traditional credit options
  • Offers the ability to spread the cost of purchases over time, often interest-free
  • Convenient and can be integrated directly into the checkout process, useful for online shopping
  • Helps facilitate cash flow planning when used wisely


  • The ease of making purchases can lead to overspending and accumulation of debt
  • Missing payments can result in hefty fees and, in some cases, high interest rates after an initial interest-free period
  • Failure to make payments can impact credit score negatively
  • Refunds can be complicated and delayed

Courtesy: Carol Glynn

The 12 breakaway clubs


Arsenal, Chelsea, Liverpool, Manchester City, Manchester United, Tottenham Hotspur

AC Milan, Inter Milan, Juventus

Atletico Madrid, Barcelona, Real Madrid


Started: 2023
Co-founders: Arto Bendiken and Talal Thabet
Based: Dubai, UAE
Industry: AI
Number of employees: 41
Funding: About $1.7 million
Investors: Self, family and friends


Engine: 4-litre V8 twin-turbo
Power: 630hp
Torque: 850Nm
Transmission: 8-speed Tiptronic automatic
Price: From Dh599,000
On sale: Now


Director: Sudha Kongara Prasad

Starring: Akshay Kumar, Radhika Madan, Paresh Rawal

Rating: 2/5

Day 3 stumps

New Zealand 153 & 249
Pakistan 227 & 37-0 (target 176)

Pakistan require another 139 runs with 10 wickets remaining

Director: Nag Ashwin

Starring: Prabhas, Saswata Chatterjee, Deepika Padukone, Amitabh Bachchan, Shobhana

Rating: ★★★★


Sharlene Teo, Pan Macmillan

Specs: 2024 McLaren Artura Spider

Engine: 3.0-litre twin-turbo V6 and electric motor
Max power: 700hp at 7,500rpm
Max torque: 720Nm at 2,250rpm
Transmission: Eight-speed dual-clutch auto
0-100km/h: 3.0sec
Top speed: 330kph
Price: From Dh1.14 million ($311,000)
On sale: Now

Most Read
Top Videos

On The Money

Make money work for you with news, features and expert analysis

      By signing up, I agree to The National's privacy policy
      On The Money