New Vehicle Insurance (Comprehensive) for UAE Drivers

Protect your new car from day one with comprehensive car insurance tailored to the UAE. AL SAHRAA Businessmen Services LLC helps drivers in Dubai, Ajman and across the Emirates get cover that includes accident, theft and damage protection plus optional add-ons to match your needs.

Key points at a glance

Coverage: accident damage, fire, theft, vandalism and third‑party liability as standard in comprehensive policies.

Add-ons: roadside assistance, agency repairs, windscreen cover, personal accident, loss of keys, rental car following a claim.

Eligible vehicles: new cars (recently purchased or first registration) across Dubai, Ajman and the Emirates.

Pricing: competitive premiums tailored to vehicle value, driver profile and optional benefits — no fixed price here, quotes are personalized.

Claims support: guidance on documentation and fast submission to insurers to speed up repairs and settlements.

What does comprehensive new vehicle insurance cover?

Comprehensive new car insurance typically covers:

Damage to your vehicle from collisions or accidents.

Theft or total loss.

Damage from fire, floods or natural events (subject to policy terms).

Third‑party bodily injury and property damage liability.

Optional benefits (see add‑ons) to expand protection.

Note: exact terms and exclusions vary by insurer and policy. AL SAHRAA will help you review policy wording before you buy.

Common add-ons and benefits

Roadside assistance and towing

Agency or guaranteed repairs using authorised workshops

Windscreen and window repair or replacement

Rental car or transport allowance while your car is repaired

Personal accident cover for driver and passengers

No‑claims discount protection

Choose only the add-ons you need to keep premiums competitive while ensuring essential risks are covered.

How premiums are calculated

Insurers typically consider:

Vehicle make, model and market value

Driver age, driving history and claims record (No‑Claims Discount)

Usage (personal, commercial, kilometre limits)

Location and parking security

Chosen excess and optional add‑ons

AL SAHRAA can compare options so you get competitive car insurance in Dubai, Ajman and other Emirates.

Documents you’ll usually need to get a quote

Vehicle registration (Mulkiya) or purchase invoice for a new car

Emirates ID and UAE driving licence

Vehicle identification number (VIN) and specifications

Proof of previous no‑claims discount (if applicable)

How to file a claim

1. Ensure safety and, if needed, call emergency services. 2. Capture photos of damage and scene where possible. 3. Notify AL SAHRAA or your insurer promptly. 4. Submit required documents (police report when applicable, Mulkiya, ID, photos). 5. Follow AL SAHRAA’s guidance to arrange repairs and settle the claim.

Does this cover new cars in Dubai and Ajman?

Yes — AL SAHRAA arranges comprehensive insurance for new vehicles across Dubai, Ajman and the entire Emirates, matching local requirements and insurer options.

Frequently asked questions

Is comprehensive insurance required by law?

Third‑party liability insurance is legally required in the UAE. Comprehensive cover is optional but is recommended for new cars to protect against damage, theft and other risks.

Can I transfer my no‑claims discount to a new policy?

Many insurers accept proof of a no‑claims discount from previous policies. AL SAHRAA can help verify and apply any eligible discounts.

Will my premium be higher for a brand‑new car?

Premiums often reflect a vehicle’s value; new or high‑value cars can attract higher premiums. Choosing a suitable excess and selective add‑ons helps manage cost.

How long does a policy take to issue?

Once required documents are submitted and payment is processed, most insurers can issue a policy quickly. AL SAHRAA will guide you through the process to speed up issuance.

Call to action

Request a tailored quote from AL SAHRAA Businessmen Services LLC today to compare comprehensive new vehicle insurance options and find competitive premiums for drivers in Dubai, Ajman and across the Emirates. Contact AL SAHRAA to get your personalised quote and policy guidance.

New Vehicle Insurance (Comprehensive) — AL SAHRAA Businessmen Services LLC