Yes, car insurance is a legal requirement for all vehicles in the UAE. You cannot register your car without valid insurance coverage.

Insurance premiums are calculated based on factors like the vehicle’s age, model, value, driver’s age and driving history, and the type of coverage selected.

The cost of car insurance in the UAE is influenced by vehicle and driver-specific details. The age and condition of the vehicle play a pivotal role; older cars might be more expensive to insure due to potential issues, while newer, well-maintained vehicles often attract lower premiums. The driver's age is another significant factor, with younger and much older drivers typically facing higher rates due to statistical accident probabilities. A driver's record, both in terms of driving behaviour and claim history, can increase or decrease premiums. The vehicle's market value also matters; higher-value cars might attract higher insurance rates. Additionally, the type of insurance plan, its coverage, and the chosen deductible amount will effect the final premium.

Yes, the no-claims discount, or no-claims bonus, is transferable. You can obtain a certificate from your previous insurer and present it to the new provider to benefit from the discount. 

After ensuring everyone's safety, report the accident to the police. You will need the police report to process your claim. Contact us when you have the report or submit a claim using our  online claim tool . Once the claim is submitted, you will receive an SMS providing the claim reference number and contact details of the workshop as per your policy coverage.

Some policies offer GCC-wide coverage as an optional add-on, while others might include it in their standard packages. Add these to your GIG Gulf Motor Prestige or Motor Perfect insurance policies while getting a quote.

Off-road coverage is designed to protect your vehicle during off-road adventures. GIG Gulf’s Motor Third Party does not cover off-roading, but Prestige and Perfect do.  

Driving without insurance is illegal and can result in hefty fines, black points on your driving license, vehicle impoundment, and difficulties obtaining future insurance coverage.

You can book your service online through this  link . The insured vehicle will be taken for inspection only once. If due to any reason, the vehicle needs to be taken more than once, and you will be charged an extra fee. It is your responsibility to make sure all the fines are paid in advance. Please note that the inspection cost will not be bared by GIG.

Hire Car - documents required 

• Copy of the Emirates ID
• Copy of the driving license
• Copy of the passport and visa
• Copy of credit card

Inspection service - documents required

• Copy of the Emirates ID
• Copy of the driving license
• Copy of the passport and visa
• Original old registration card

Benefit from this service when you need to pick your car up or drop it off at the workshop for a service. Service available to use once a year.

- This service is not valid for motor cycles, commercial vehicles, pickup trucks and vans.

- Booking must be within the same emirate.

- Service centre charges/excess charges to be borne by the customer and paid directly to the service centre.

• Car Inspection service to be booked 48 hours prior to the required time.
• Airport pick up and Drop off to be booked 24 hours prior to the required time.
• Car service pick up and drop off to be booked 48 hours prior to the required time. 

​​​​​​Third Party Car Insurance is a basic type of car insurance that covers damages and injuries caused by the insured vehicle to other people or property, but not to the insured vehicle itself.

No, it only covers damages or injuries you cause to other parties. Damage to your vehicle would need comprehensive insurance.

Premiums are determined by various factors, including the vehicle type, age, engine size, and the driver's age and driving history.

Your Third Party Insurance will cover the damages and injuries to the other party involved in the accident. However, any damages to your vehicle will be your responsibility.

Yes, you can upgrade anytime – contact GIG Gulf's customer service to discuss the process by calling our toll-free number,  800 292 .

Once all necessary details are provided and the premium is paid, your policy can be issued online instantly or within a short time.

No, Third Party Insurance is designed to cover liabilities to other parties. Theft or fire-related damages would require more comprehensive insurance.