Online Car Insurance Dubai and UAE

Car insurance offers financial protection against physical damage or bodily injury resulting from traffic collisions and other unforeseen incidents.

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

Comprehensive car insurance covers damages to your own vehicle as well as third-party damages. Third-party insurance only covers damages caused to another person’s property or injuries. We offer three tiers at GIG Gulf, covering all eventualities.

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.

Yes, all GIG Gulf policies offer extensions to cover legal liabilities for family members as third parties. Check the terms and conditions to find put details depending on your policy.

You can renew your GIG Gulf car insurance online Here

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.

Since the airport pickup and drop-off is a two-time service, please take note of the following:

- You have the option of selecting either two pickups or two drop-offs, or one pickup and one drop-off.

- The complimentary service will be restricted to four people and four baggages. (Charges of AED 25 will apply for each extra baggage) 

- Each trip within the same emirate is limited to 40 kilometres; Extra mileage charged at AED 5 per km.

- Except for a pickup or drop-off service between Sharjah and Dubai or Dubai and Sharjah, this service does not provide intercity travel (a distance cap of 40 KMs applies). For instance, if a client resides in Dubai but wishes to be dropped off in the airports of Abu Dhabi or Ras Al Khaimah, this should not be covered.

* Terms and conditions apply.

• 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. 

You can request your hire car (If your policy is eligible) through this link.