If you own a car and drive it in the UAE, having a valid car insurance policy is not only a good idea—it's the law. However, everyone doesn't need a fully comprehensive policy. That's where third party car insurance in the UAE fits into the picture. It's the cheapest legal option and frequently best for individuals driving older cars or watching their finances.
In this guide, we clarify what third party insurance is, what it will cover, what is required by law in the UAE, how much you can expect to pay, and who gives the best value in 2025.
What Is Third Party Car Insurance?
Third party vehicle insurance is the minimum required to drive a vehicle in the UAE. It covers you in case of financial loss if you cause damage to someone else's car, property, or person in the event of an accident. However, it pays out nothing if you damage your car or injure yourself.
This type of insurance is typically suitable for:
Individuals with old or cheap cars
Individuals with limited budgets
Occasional drivers
Used vehicles for regular short trips
By covering only third-party risks, the policy remains economical and meets legal road criteria.
Is Third Party Car Insurance Mandatory in the UAE? Yes, third party motor insurance is mandatory to register or renew any motor vehicle in any of the UAE emirates, i.e., Dubai, Abu Dhabi, and Sharjah.
The UAE Road Traffic Law mandates third party insurance on all vehicles. This guarantees that, in case of an accident, the hurt party is compensated for their loss. Driving without proper insurance is a serious offense and your car cannot be registered otherwise.
What Does Third Party Insurance Cover?
Third party insurance usually covers the following:
Damage to another person's property or vehicle because of you
Third-party death or injury in an accident you are responsible for
Accidental legal aftermath
What it doesn't cover are:
Damage to your car
Damage to yourself or your passengers Vehicle theft or loss through fire Acts of nature, off-road driving, or acts of vandalism
If you want additional cover—personal accident, breakdown, or fire and theft—you'll need to purchase add-ons or take out a comprehensive policy.
Third Party and Comprehensive Car Insurance
The biggest difference is that the third party insurance covers other people only, while comprehensive insurance covers you in addition to other people involved in an accident. Comprehensive policies give added cover on your own vehicle, including accidental damage, theft, acts of nature, and personal accident cover.
However, comprehensive insurance is typically more expensive. Vehicle owners with old vehicles, or individuals who simply want to cover their bases at a lower cost, third party cover is typically sufficient.
Cost of Third Party Car Insurance in the UAE
The cost of third party cover in the UAE may vary depending on different factors such as:
The engine size and make of your vehicle
Your driving record and age
The emirate in which your car is registered
Your car's usage (personal or commercial)
For 2025, the following are UAE average third party insurance prices:
Small cars and hatchbacks: AED 600 to 900
4x4s and SUVs: AED 900 to 1,300
Commercial: AED 1,000 and above
Premiums are higher for new or young drivers, luxury vehicles, and those who have made accident claims before.
To get the best price, it is better to compare multiple prices online on trustable websites like Shory.
Best Third Party Car Insurance Companies in the UAE (2025) While choosing third party insurance, caution should be exercised in using a reliable and licensed insurer. Here are some of the best insurers in the UAE offering competitive third party plans:
Shory
A popular online site for instant comparison of third party insurance quotes from approved insurers. Renowned for hassle-free online experience and rapid issue of policy.
Salama Islamic Arab Insurance Offers Shariah-compliant third party insurance with competitive prices. Excellent customer service and image in the UAE market.
Orient Insurance
Part of the Al-Futtaim Group, Orient provides standard and comprehensive third party policies. Offers broad access to garages and good claims settlement.
Adamjee Insurance
Known for offering low-budget third party insurance most appropriate for older vehicles or fleet management.
Al Sagr National Insurance
Offer affordable and legally binding third party policies. Known for protecting fundamental liabilities and offering quick online services.
Make sure you read through the terms of every policy. Some providers offer additional add-ons like personal accident cover or 24/7 roadside assistance at a very small extra price.
Can You Upgrade Third Party Insurance Later?
Yes, most UAE insurers allow you to switch to comprehensive cover from third party after a while into your policy. If the value of your car increases, or if you use your vehicle more regularly, you may want broader cover.
Check with your provider for upgrade policies. Some will upgrade for a pro-rated fee or a new vehicle check. It's also time to negotiate the new prices or look out for bundle packages.
How to Buy Third Party Car Insurance Online in the UAE It's simple, fast, and most likely cheaper than visiting offices. Here's how it's done:
Visit a good comparison website like Shory.com
Input your Emirates ID, vehicle information, and driving history
Compare quotes from certified insurers
Choose a third party plan that matches your budget
Pay online securely
Receive your electronic policy instantly
All the insurance providers listed on Shory and other websites are certified by the Central Bank of the UAE. Always obtain a valid policy that is ideal for your registration needs.
Who Should Purchase Third Party Insurance?
Third party insurance is ideal for:
Drivers of older or worn-out vehicles
Those who drive short distances or occasionally
Thrifty car owners
Those wanting to meet the minimum requirement by law
In the event that your vehicle is over five years of age or worthless on the used market, third party insurance may be the most affordable option.
Conclusion
Third party car insurance in the UAE is not just mandatory by law—it's a good financial choice for the majority of drivers. It allows you to drive legally and protects others against your possible liability.
While the full policy offers greater cover, the third party policies are very affordable and work well for most drivers. Assuming you drive carefully and maintain your vehicle in good shape, a third party cover is all you may need.
Be sure to browse around, compare prices, and read the small print before deciding. With services such as Shory, it is simpler than ever before to get the best third party insurance in the UAE.

raheel 1243 at October 14, 2025 at 4:40am PDT
I am glad to be a visitor of this perfect web blog ! , regards for this rare information! . https://patient-sounds.com/
Sufyan 123 at October 14, 2025 at 11:22pm PDT
stays on topic and states valid points. Thank you. slot online
hasnain khan at October 15, 2025 at 12:20am PDT
Perhaps you should also a put a forum site on your blog to increase reader interaction.,-”‘. alexistogel
hasnain khan at October 15, 2025 at 3:16am PDT
Thanks for another magnificent article. The place else may just anyone get that type of info in such a perfect approach of writing? I have a presentation next week, and I am on the look for such info. link togel
Sufyan 123 at October 15, 2025 at 11:29pm PDT
A topic close to my heart many thanks, i have been thinking about about this subject for some time. alexistogel
Sufyan 123 at October 16, 2025 at 12:08am PDT
Hello I found the Free Simple Shopping Icons Download | Design, Tech and Internet post very interesting therefore I’ve included our track-back for it on my own webpage, continue the great job:) situs togel online
hasnain khan at October 16, 2025 at 12:38am PDT
first aid kits… thank you for the informative information you have here!… alexistogel
hasnain khan at October 16, 2025 at 12:42am PDT
Absolutely composed written content , thanks for information . slot deposit 5000
hasnain khan at October 16, 2025 at 12:46am PDT
I believe you have remarked some very interesting details , thankyou for the post. https://tamacountyiowa.org/directory/excavating/
Mustafa Khan at October 16, 2025 at 1:06am PDT
Woh I like your content , saved to bookmarks ! . website design citrus county
hasnain khan at October 16, 2025 at 3:25am PDT
It’s quite hard to find a good site. And I think I am lucky enough to have come here. The posts are doing great and full of good insights. I could be glad to keep on coming back here to check for updates! situs togel
Mustafa Khan at October 16, 2025 at 3:36am PDT
Outstanding post, I conceive blog owners should acquire a lot from this blog its very user pleasant. eveniment corporate
Mustafa Khan at October 17, 2025 at 11:12pm PDT
When I originally commented I clicked the -Notify me when new comments are added- checkbox now if a comment is added I buy four emails with similar comment. Could there be that is you are able to eliminate me from that service? Thanks! dtf printer
Sufyan 123 at October 17, 2025 at 11:16pm PDT
stays on topic and states valid points. Thank you. slot gacor
Sufyan 123 at October 18, 2025 at 12:23am PDT
Hello I found the Free Simple Shopping Icons Download | Design, Tech and Internet post very interesting therefore I’ve included our track-back for it on my own webpage, continue the great job:) Alexistogel
hasnain khan at October 18, 2025 at 1:03am PDT
I wish I had a maple tree in my garden, Id enjoy maple syrup on my cereal every day. Unfortunately I dont live in Canada. Anyway, the maple roses look lovely bandar toto macau
Mustafa Khan at October 18, 2025 at 3:07am PDT
Have you thought about incorporating some social bookmarking buttons to these blogs. At least for twitter. dtf printer
hasnain khan at October 18, 2025 at 5:15am PDT
excellent points altogether, you simply received brand new reader. What could you recommend about your post that you simply made some days ago? Any sure? togel
Sufyan 123 at October 19, 2025 at 1:29am PDT
My husband and i were quite ecstatic that Chris could complete his homework by way of the ideas he gained when using the site. It is now and again perplexing to just find yourself handing out thoughts other people might have been trying to sell. We really realize we have got the website owner to be grateful to because of that. The main explanations you’ve made, the easy website menu, the friendships you will help to instill – it’s most excellent, and it’s really facilitating our son in addition to the family do think this subject is amusing, and that is unbelievably important. Many thanks for all the pieces! Menifee Photographer
Sufyan 123 at October 19, 2025 at 1:29am PDT
Howdy! I just want to give an enormous thumbs up for the great information you might have here on this post. I will likely be coming back to your weblog for more soon. pool repairs Harare