Comprehensive New Vehicle Insurance — Protect Your New Car from Day One
Comprehensive insurance for new vehicles in the UAE offering accident, theft and damage cover plus flexible add-ons and competitive premiums tailored to drivers in Dubai, Ajman and across the Emirates.
Overview
Buying a new car is exciting — securing the right insurance is essential. Our comprehensive new-vehicle policies cover accidental damage, fire, theft and third-party liability, with optional extras like roadside assistance and replacement car cover. We work with UAE insurers to match cover to your vehicle type, budget and preferred repair network. The process is straightforward: submit the vehicle invoice and ID, choose cover limits and add-ons, and we arrange policy issuance and inspection if required. For residents of Dubai and Ajman we can coordinate faster inspections and electronic policy delivery so your car is protected immediately. Premiums depend on vehicle value, driver profile, chosen excess, and add-ons. We always explain cover inclusions and exclusions in plain language so you know what’s protected and what is not — eg. wear-and-tear, mechanical breakdown and unauthorized drivers are commonly excluded unless specifically added. Need a policy upgrade, agency repair option or a temporary replacement car? We support related services including TPL conversion, renewals and add-ons, and help submit claims and arrange approved repairs through our insurer partners across the UAE.
What to prepare
- Emirates ID (copy)
- UAE driving licence (copy)
- Vehicle invoice / sales agreement
- Vehicle registration (Mulkiya) if already issued
- Passport copy (for expatriates)
- No-claims bonus certificate (if applicable)
- Vehicle chassis number and specification details
How the process works
- Provide vehicle invoice/sales agreement and personal ID
- Select coverage level, excess and any add-ons (roadside, replacement car, agency repair)
- Undergo insurer-required inspection (if applicable) or submit vehicle details electronically
- Receive premium quote, confirm payment and issue policy documents
- Keep policy and proof of insurance in vehicle and register with RTA if required
Why clients choose AL SAHRAA
- Admin-reviewed quotations before you proceed.
- Document coordination and progress tracking in one portal.
- Support for business, compliance, visa, insurance, and IT-related requests.
- Clear request history, updates, and delivery follow-up.
Frequently asked questions
What does comprehensive new vehicle insurance cover?
It typically covers accidental damage to your car, fire, theft, and third-party liability. Optional add-ons like roadside assistance and replacement car cover can be added for extra protection.
How quickly can I get cover for a new car in Dubai or Ajman?
Once we receive required documents and payment, many insurers can issue a policy electronically the same day; some cases require a short inspection before final issuance.
Can I choose agency repairs only?
Yes — you can select comprehensive plans with agency repair networks (usually at a higher premium) or non-agency repair options depending on your preference and budget.
Will my premium be higher because the car is new?
Premiums reflect vehicle value, driver history and selected cover. New higher-value cars generally result in higher premiums, but choosing an appropriate excess and optional covers can manage costs.
What exclusions should I be aware of?
Common exclusions include wear-and-tear, mechanical breakdown, driving under the influence, using an unauthorized driver, and deliberately caused damage unless specifically covered.
Related services
Explore other services in Vehicle Insurance.