Third-Party Car Insurance in the UAE
Third-party car insurance provides protection against eligible legal
liability for bodily injury or property damage caused to other parties
by the insured vehicle.
It provides the basic liability protection required for vehicle use,
while damage to your own vehicle is generally not covered.
What Does Third-Party Car Insurance Cover?
Subject to the applicable policy terms and limits, third-party
insurance may cover:
Third-party bodily injury liability
Third-party property damage
Liability arising from eligible use of the insured vehicle
Applicable legal liability within the insured geographical area
What Is Not Covered?
Third-party insurance generally does not provide protection for
damage to your own vehicle.
Accidental damage to your own car
Theft of the insured vehicle
Fire damage to your own vehicle
Flood, storm or other own-vehicle damage
If you need broader protection, review
Comprehensive Car Insurance
.
How Much Does Third-Party Car Insurance Cost?
The premium depends on the vehicle, driver information and applicable
underwriting requirements. Factors may include:
Vehicle make, model and age
Vehicle category and intended use
Previous claims information
If you are looking for the cheapest third-party car insurance in the
UAE, compare the premium together with the liability limits,
exclusions and policy conditions rather than selecting only on price.
Who May Consider Third-Party Insurance?
Third-party cover may be suitable for drivers who require basic
liability protection and are prepared to bear the cost of repairing
their own vehicle following an accident.
It may also be considered for eligible older or lower-value vehicles
where comprehensive insurance is not required or available.
Third-Party vs Comprehensive Car Insurance
The main difference is the protection provided for your own vehicle.
Third-party insurance primarily covers eligible liability to others,
while comprehensive insurance may also cover eligible damage to your
own vehicle.
Visit our
Car Insurance Comparison
page to understand the differences in more detail.
Buy Third-Party Car Insurance Online
-
Provide your details:
Enter the requested driver and contact information.
-
Provide vehicle information:
Enter the vehicle make, model, year and available registration
information.
-
Select third-party cover:
Review the available liability insurance option.
-
Review the quotation:
Check the premium, coverage and applicable policy conditions.
-
Complete the purchase:
Provide the required documents and complete payment where
applicable.
Documents Required
Depending on the vehicle and quotation process, you may need:
Valid UAE driving licence
Vehicle registration details
Vehicle or chassis information
Inspection documents where required
Previous insurance information where available
Third-Party Car Insurance Renewal
If your existing third-party policy is approaching expiry, review the
renewal premium and policy terms before completing the renewal.
Learn more about
Car Insurance Renewal
.
Third-Party Car Insurance Claims
Following an accident, obtain the required accident report and notify
the appropriate motor claims channel. The claim will be reviewed
according to the applicable policy and accident circumstances.
Visit our
Motor Insurance Claims
page for claims information and support.
Third-Party Insurance from Al Buhaira
Third-party liability insurance for eligible vehicles
Online motor insurance quotation
Comprehensive insurance option where eligible
Policy and renewal assistance
Digital insurance services
Frequently Asked Questions About Third-Party Car Insurance
Ans: Third-party car insurance provides protection against eligible legal liability for bodily injury or property damage caused to other parties by the insured vehicle, subject to the policy terms and limits.
Ans: Third-party insurance generally does not cover accidental loss of or damage to your own vehicle. Comprehensive insurance may provide wider own-vehicle protection.
Ans: Third-party insurance provides more limited protection and may therefore have a lower premium. The actual price depends on the vehicle, driver and applicable underwriting requirements.
Ans: Review the applicable quotation together with the liability limits, exclusions and policy terms. Choosing only the lowest premium may not provide the most suitable protection.
Ans: Third-party liability insurance generally does not cover theft of or fire damage to your own vehicle. These risks may be covered under comprehensive insurance, subject to policy terms.
Ans: Eligible customers can use Al Buhaira's online motor insurance quotation journey to provide their driver and vehicle information and review the available third-party coverage.
Ans: Requirements may include Emirates ID, a valid UAE driving licence, vehicle registration or chassis information and other vehicle documents depending on the quotation.
