Third party car insurance for drivers in Dubai
Third party car insurance, also commonly referred to as 'third party only' in Dubai, provides you with the minimum coverage required under Dubai law. If you find yourself involved in a collision with another vehicle, third party coverage can protect you from the costs of claims by a third party against yourself.
Third party only insurance on a motor vehicle provides you with coverage for liabilities to third parties for property damage, injury, or death. Dubaian law requires that all drivers in the country hold at least a minimum level of car insurance, which means all basic plans will cover:
- Death or bodily injuries to third parties (including passengers)
- Damage to property belonging to third parties
- Accidents occurring on the road and on private property
Such plans generally also provide coverage for property damage, despite there being no actual legal requirement to do so.
Third party fire and theft
Similar to third party policies, these plans include an important addition: vehicles are covered as property. The result is that property insurance can be applied to damages or loss resulting from a fire or a theft. Click here to learn more about third party fire and theft car insurance.
Exclusions
As the name states, third party car insurance does leave some coverage gaps that more comprehensive policies insure. Third party only plans are often the cheapest car insurance plans in Dubai, and that’s because they can make the following exclusions:
- Damage to your car and property
- Personal injury or death
- Roadside assistance
- Broken windscreen coverage for damage caused by debris or negligence
For confirmation of the exclusions contained in your car insurance policy, refer to your policy documents for more information. You may also speak to one of our consultants who would be happy to assist.
Is third party coverage right for you?
This can be a fairly hard question to answer, especially if you are looking for insurance on a budget. It is therefore important to review all of the coverage options in Dubai and determine which level of coverage is right for you now and in the near future.
To help, here is a brief overview of the benefits the different types of motor insurance policies in Dubai offer:
| Third party car insurance | Third party fire and theft car insurance | Comprehensive car insurance | |
|---|---|---|---|
| Protection against liability to third parties (including passengers) for bodily injury or death |  |
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| Property damage to third parties | |
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| Damages and losses resulting from fire and theft | |
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| Damages and losses to your own vehicle | |
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| No Claims Discount (NCD) protection* | |
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| Personal accident and medical expenses cover* | |
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| Vehicle towing* | |
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| Windscreen damage* | |
*Items with an asterisk (*) are not included in all comprehensive car insurance policies.