Best Car
Insurance in UAE
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Why choose GIG Car Insurance
Drive protected with benefits that matter
Explore Your Plans
FREE Services worth 750+ AED
- AED 250 worth free Airport Chauffeur service
- AED 300 worth free RTA Vehicle passing Pickup & Dropoff
- AED 200 worth free Pickup & Drop for Car Repair & Maintenance
- Up to 50% off on Car Service
- Covers you, your car and third party in an accident
- Repairs at Agency approved Workshops
- Round the clock roadside assistance
- Single point of contact for claims
- Hire a replacement car for FREE
-
Hire a Car
Car rental is provided for up to 7 days.
-
GCC Cover
-
Oman Cover
| Benefits (in AED) | Comprehensive Agency Repair |
|---|---|
| GIG exclusive rewards | Up to 750 AED |
| Loss or damage to the insured vehicle | |
| Third party liability- Bodily injury | |
| Third party property damage | 5 Million AED |
| Legal liability extended to include family members as Third Party | |
| Storm, Floods, Riots and Strikes | |
| Personal injury cover | 20,000 AED |
| Emergency medial expenses | 6,000 AED |
| Personal belongings | 4,000 AED |
| Oman Cover | |
| Off road cover | |
| Maximum agency repair period | 5 years |
| Guaranteed repairs | |
| Back to invoice on total loss | 24 months from first registration |
| Waiver of excess windscreen damage | |
| Personal accident cover driver | 350,00 AED |
| Personal accident cover for passenger of third party | 200,00 AED |
| Hire a car benefit | Up to 1,500 AED |
| 24 hour accident and breakdown recovery | |
| Gcc cover | Optional |
| Pickup & delivery (Claims Service) |
Compare Plans
FREE Services worth 750+ AED
- AED 250 worth free Airport Chauffeur service
- AED 300 worth free RTA Vehicle passing Pickup & Dropoff
- AED 200 worth free Pickup & Drop for Car Repair & Maintenance
- Up to 50% off on Car Service
- Covers you, your car and third party in an accident
- Repairs at Agency approved Workshops
- Round the clock roadside assistance
- Hire a replacement car for FREE
-
Hire a Car
-
GCC Cover
-
Oman Cover
- Single point of contact for Claims
| Benefits (in AED) | Comprehensive GIG Garage |
|---|---|
| GIG exclusive rewards | Up to 750 AED |
| Loss or damage to the insured vehicle | |
| Third party liability- Bodily injury | |
| Third party property damage | 3.5 Million AED |
| Legal liability extended to include family members as Third Party | |
| Storm, Floods, Riots and Strikes | |
| Personal injury cover | 20,000 AED |
| Emergency medial expenses | 3,500 AED |
| Personal belongings | 4,000 AED |
| Oman Cover | |
| Off road cover | |
| Maximum agency repair period | Optional up to 5 years |
| Guaranteed repairs | |
| Back to invoice on total loss | 6months from first registration |
| Waiver of excess windscreen damage | Below 5,000 AED |
| Personal accident cover driver | 200,00 AED |
| Personal accident cover for passenger of third party | 200,00 AED |
| Hire a car benefit | Optional up to 7 days |
| 24 hour accident and breakdown recovery | |
| Gcc cover | Optional |
| Pickup & delivery (Claims Service) |
Compare Plans
Only with GIG
- Personal accident benefit for driver
- Personal accident benefit for passenger
- Access Exclusive GIG Rewards
- Covers you, your car and third party in an accident
- Repairs at GIG Gulf approved Workshops
- Round the clock roadside assistance
-
Oman Cover
- Single point of contact for Claims
- Personal injury cover
- Emergency medical expenses
- Personal belongings cover
| Benefits (in AED) | Third Party |
|---|---|
| GIG exclusive rewards | Up to 500 AED |
| Loss or damage to the insured vehicle | No |
| Third party liability- Bodily injury | |
| Third party property damage | 3.5 Million AED |
| Legal liability extended to include family members as Third Party | |
| Storm, Floods, Riots and Strikes | No |
| Personal injury cover | No |
| Emergency medial expenses | No |
| Personal belongings | No |
| Oman Cover | Optional |
| Off road cover | No |
| Maximum agency repair period | No |
| Guaranteed repairs | No |
| Back to invoice on total loss | No |
| Waiver of excess windscreen damage | No |
| Personal accident cover driver | 200,00 AED |
| Personal accident cover for passenger of third party | 200,00 AED |
| Hire a car benefit | No |
| 24 hour accident and breakdown recovery | No |
| Gcc cover | No |
| Pickup & delivery (Claims Service) |
Compare Plans
5 Million AED
| Benefits (in AED) | Comprehensive Agency Repair |
|---|---|
| GIG exclusive rewards | Up to 750 AED |
| Loss or damage to the insured vehicle | |
| Third party liability- Bodily injury | |
| Third party property damage | 5 Million AED |
| Legal liability extended to include family members as Third Party | |
| Storm, Floods, Riots and Strikes | |
| Personal injury cover | 20,000 AED |
| Emergency medial expenses | 6,000 AED |
| Personal belongings | 4,000 AED |
| Oman Cover | |
| Off road cover | |
| Maximum agency repair period | 5 years |
| Guaranteed repairs | |
| Back to invoice on total loss | 24 months from first registration |
| Waiver of excess windscreen damage | |
| Personal accident cover driver | 350,00 AED |
| Personal accident cover for passenger of third party | 200,00 AED |
| Hire a car benefit | Up to 1,500 AED |
| 24 hour accident and breakdown recovery | |
| Gcc cover | Optional |
| Pickup & delivery (Claims Service) |
3.5 Million AED
| Benefits (in AED) | Comprehensive GIG Garage |
|---|---|
| GIG exclusive rewards | Up to 750 AED |
| Loss or damage to the insured vehicle | |
| Third party liability- Bodily injury | |
| Third party property damage | 3.5 Million AED |
| Legal liability extended to include family members as Third Party | |
| Storm, Floods, Riots and Strikes | |
| Personal injury cover | 20,000 AED |
| Emergency medial expenses | 3,500 AED |
| Personal belongings | 4,000 AED |
| Oman Cover | |
| Off road cover | |
| Maximum agency repair period | Optional up to 5 years |
| Guaranteed repairs | |
| Back to invoice on total loss | 6months from first registration |
| Waiver of excess windscreen damage | Below 5,000 AED |
| Personal accident cover driver | 200,00 AED |
| Personal accident cover for passenger of third party | 200,00 AED |
| Hire a car benefit | Optional up to 7 days |
| 24 hour accident and breakdown recovery | |
| Gcc cover | Optional |
| Pickup & delivery (Claims Service) |
3.5 Million AED
| Benefits (in AED) | Third Party |
|---|---|
| GIG exclusive rewards | Up to 500 AED |
| Loss or damage to the insured vehicle | No |
| Third party liability- Bodily injury | |
| Third party property damage | 3.5 Million AED |
| Legal liability extended to include family members as Third Party | |
| Storm, Floods, Riots and Strikes | No |
| Personal injury cover | No |
| Emergency medial expenses | No |
| Personal belongings | No |
| Oman Cover | Optional |
| Off road cover | No |
| Maximum agency repair period | No |
| Guaranteed repairs | No |
| Back to invoice on total loss | No |
| Waiver of excess windscreen damage | No |
| Personal accident cover driver | 200,00 AED |
| Personal accident cover for passenger of third party | 200,00 AED |
| Hire a car benefit | No |
| 24 hour accident and breakdown recovery | No |
| Gcc cover | No |
| Pickup & delivery (Claims Service) |
| Benefits (in AED) | Comprehensive -Agency | Comprehensive -GIG Garage | Third Party |
|---|---|---|---|
| GIG exclusive rewards | Up to 750 AED | Up to 750 AED | Up to 500 AED |
| Loss or damage to the insured vehicle | No | ||
| Third party liability- Bodily injury | |||
| Third party property damage | 5 Million | 3.5 Million | 3.5 Million |
| Legal liability extended to include family members as Third Party | |||
| Storm, Floods, Riots and Strikes | No | ||
| Personal injury cover | 20,000 AED | 20,000 AED | No |
| Emergency medial expenses | 6,000 AED | 3,500 AED | No |
| Personal belongings | 4,000 AED | 4,000 AED | No |
| Oman Cover | Optional | ||
| Off road cover | No | ||
| Maximum agency repair period | 5 years | Optional up to 5 years | No |
| Guaranteed repairs | No | ||
| Back to invoice on total loss | 24 months from first registration | 6months from first registration | No |
| Waiver of excess windscreen damage | Below 5,000 AED | No | |
| Personal accident cover driver | 350,000 AED | 200,000 AED | 200,000 AED |
| Personal accident cover for passenger of third party | 200,000 AED | 200,000 AED | 200,000 AED |
| Hire a car benefit | Up to 1,500 AED | Optional up to 7 days | No |
| 24 hour accident and breakdown recovery | No | ||
| Gcc cover | Optional | Optional | No |
| Pickup & delivery (Claims Service) | |||
| Claims single point of contact | No | No |
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Got questions? Here are some FAQs
What to expect with your Car Insurance Price in 2025?
Car insurance prices in 2025 may rise, but safe drivers save with smart coverage choices.
Up to 40% safe drivers Get Discount on Car Insurance.
Enjoy up to 40% discount on car insurance by maintaining a clean driving record and choosing the right policy.
Easy claim with GIG
Enjoy a hassle-free claims experience with GIG, offering quick processing, clear guidance, and reliable support when you need it most.
Check the Black Points on your license in the UAE
Easily check black points on your UAE driving license to stay informed, avoid fines, and maintain a clean driving record.
GIG Rewards Club
Join the GIG Rewards Programme and enjoy benefits designed just for you. We tailor exclusive rewards based on the policy you hold, giving you access to special offers and attractive discounts when you choose insurance with us.
Frequently asked questions
Is car insurance mandatory in the UAE?
Yes, car insurance is a legal requirement for all vehicles in the UAE. You cannot register your car without valid insurance coverage.
What is the difference between comprehensive and third-party car insurance?
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.
How is the car insurance premium calculated in the UAE?
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.
What factors influence the price of car insurance in the UAE?
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.
How can I download my Orange Card to go to Oman?
Go to MyGIG Car, log in and click Orange Card to download the PDF.
Can I transfer my no-claims discount if I switch insurance provider to GIG Gulf?
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.
What is the process to claim insurance in case of an accident in the UAE?
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.
Does car insurance in the UAE cover damages in other GCC countries?
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.
How does the off-road coverage work?
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.
What does “war” mean in an insurance policy?
When insurance policies talk about “war,” they mean more than just a formally declared war between countries. It can include things like:
- Fighting between countries — even if war isn’t officially declared
- An invasion of one country by another
- Attacks by foreign forces
- Civil war within a country
- Rebellion or revolution
- Uprisings against the government
- Major civil unrest that turns into an organized uprising
- Situations where the military or another group takes control of the government
In simple terms, if damage is caused by large-scale armed conflict or a government being overthrown or challenged by force, it may fall under the “war” exclusion in your policy.
If you require clarification regarding a specific circumstance, please contact us for further guidance.
Does insurance cover damage caused by war?
In most cases, no. Standard insurance policies — including home, motor, travel, and business insurance — typically contain a “war exclusion clause.” This means losses caused directly or indirectly by war are not covered.
Can I add coverage for terrorism, war, or missile attacks to my insurance policy?
Under our standard policy, losses caused by war or terrorism are excluded, and this type of coverage is not available as an add-on.
Can I include family members under my car insurance policy in the UAE?
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.
How do I renew my car insurance policy online?
You can renew your GIG Gulf car insurance online Here
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