Cheap Third Party Car Insurance in UAE: Best Plans & Providers for 2025
Car insurance is mandatory in the UAE, and for drivers looking for an affordable yet legal way to stay covered, third-party car insurance is the best option.
It provides the basic required coverage at a lower cost, ensuring you meet the legal requirements without spending too much.
If you’re searching for the cheapest third-party car insurance in UAE, this guide covers everything you need to know, including top providers, costs, benefits, and how to choose the best policy.
What is Third-Party Car Insurance?
Third-party car insurance is the most basic and affordable type of car insurance in the UAE. It covers damage caused to another vehicle, person, or property in case of an accident. However, it does not cover damages to your own vehicle.
What Does Third-Party Car Insurance Cover?
✔ Injury to Third Parties – Covers medical expenses and compensation for injuries caused to others.
✔ Damage to Third-Party Property – Pays for repairs if you damage someone else’s vehicle or property.
✔ Legal Liability – Covers legal expenses arising from third-party claims.
What’s Not Covered?
❌ Damage to Your Own Car – You must pay for repairs yourself.
❌ Personal Injuries – No medical coverage for you or your passengers.
❌ Natural Disasters & Theft – No coverage for car theft, fire, or flood damage.
Top Cheap Third-Party Car Insurance Providers in UAE
1. AXA Gulf (Now GIG Gulf)
Why Choose AXA?
Affordable premiums for third-party coverage.
24/7 roadside assistance included.
Quick and hassle-free claim process.
2. Oman Insurance Company (Sukoon Insurance)
Benefits:
Low-cost third-party insurance plans.
Covers up to AED 2 million in third-party liabilities.
Quick claim approvals for hassle-free service.
3. Abu Dhabi National Insurance Company (ADNIC)
Key Features:
Competitive pricing for third-party coverage.
Widespread service network for claims assistance.
Covers damages to vehicles and properties.
4. Dubai Insurance Company
Why Consider Dubai Insurance?
Budget-friendly premiums with essential coverage.
Covers third-party property and bodily injuries.
Flexible payment options.
5. Orient Insurance
Best For:
Affordable third-party plans for all car types.
Reliable customer service for claim processing.
High liability coverage limit.
How Much Does Third-Party Car Insurance Cost in UAE?
The cost of third-party insurance in the UAE depends on factors like car type, driver age, and location. Below are approximate prices for third-party insurance in 2025:
💡 Tip: The cheapest third-party insurance is usually available for sedans and smaller vehicles. Luxury and commercial vehicles have higher premiums.
How to Find the Cheapest Third-Party Car Insurance in UAE?
✅ Compare Multiple Providers – Use online comparison sites to check different insurers.
✅ Check for Discounts – Some insurers offer no-claims discounts or special promotions.
✅ Choose the Right Insurer – Pick an insurer with a good reputation and quick claims process.
✅ Avoid Extra Add-ons – Some policies may include unnecessary extras that increase the price.
✅ Renew on Time – Renew before expiry to avoid penalties and higher renewal rates.
Third-Party vs. Comprehensive Car Insurance: What’s the Difference?
💡 Best Choice: If you have a new or expensive car, comprehensive insurance is recommended. For older or budget cars, third-party insurance is a cost-effective option.
Frequently Asked Questions (FAQs)
1. Is third-party insurance mandatory in UAE?
Yes, third-party car insurance is the minimum legal requirement for all vehicles in the UAE. Driving without insurance can result in heavy fines and penalties.
2. Can I upgrade from third-party to comprehensive insurance?
Yes, you can switch from third-party to comprehensive insurance anytime by contacting your insurer.
3. Which is the cheapest third-party car insurance in UAE?
Insurance providers like AXA, ADNIC, and Dubai Insurance offer some of the cheapest third-party insurance plans in the UAE.
4. Can I get third-party insurance for a luxury car in UAE?
Yes, but third-party insurance for luxury cars is more expensive (AED 1,500+ per year) because of the higher risk and liability costs.
5. Does third-party insurance cover my medical expenses?
No, third-party insurance only covers damage or injury caused to others. For personal medical coverage, you need personal accident insurance or comprehensive car insurance.
Final Thoughts
If you’re looking for the cheapest legal car insurance in the UAE, third-party insurance is the best option. It provides basic coverage at a lower price, ensuring you meet legal requirements while saving money.
Before purchasing, compare multiple providers, check for discounts, and choose an insurer with good customer reviews and a fast claims process.
🚗💰 Drive legally, stay protected, and save money with the best third-party car insurance in UAE!
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