Taxi & Limousine Insurance (Commercial)
Commercial insurance for taxis and limousines across the UAE, designed to meet RTA requirements and protect drivers, passengers and vehicle owners with flexible cover options and add-ons.
Overview
AL SAHRAA provides commercial taxi and limousine insurance tailored for drivers, fleet owners and ride-hailing operators in Dubai, Ajman and across the UAE. Policies can include third-party liability, comprehensive cover, passenger liability, driver personal accident and optional add-ons such as roadside assistance and agency/non-agency repair options. We help you select cover limits and deductibles that match your operations—single vehicle, chauffeur-driven limousine or multi-vehicle fleet—while ensuring compliance with RTA and local regulations. Our advisers explain differences between third-party and comprehensive plans, and when policy upgrades or downgrades make sense. If you need claims support, vehicle inspections, or help adding RTA-required endorsements, we guide you through each step and coordinate with insurers. Coverage and premiums depend on vehicle type, usage, driver history and declared passenger capacity; we design options to balance protection and cost. For fleets, we offer streamlined documentation and renewal handling. For individual taxi and limousine owners we focus on clear explanations of cover, transparent excesses, and appropriate add-ons such as roadside assistance and legal liability protection.
What to prepare
- Vehicle registration (Mulkiya) for each insured vehicle
- Valid UAE driving license(s) for nominated drivers
- Emirates ID and passport copy of owner or company representative
- Trade license and company documents (for corporate fleets)
- RTA taxi or limousine permit / license
- Copy of previous insurance policy (if renewing)
- Vehicle inspection or NCD proof if requested by insurer
How the process works
- Initial consultation to assess vehicle use, passenger capacity and RTA requirements
- Select cover type and add-ons (comprehensive, TPL, passenger liability, roadside assistance)
- Submit required documents and vehicle details
- Underwriter review and premium quotation
- Policy issuance and registration support with RTA as needed
- Ongoing renewal and claims assistance
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 is the difference between third-party liability and comprehensive cover for taxis?
Third-party liability covers damage and injury you cause to others; comprehensive also covers your vehicle for accidents, theft, vandalism and can include passenger and driver personal accident cover.
Do taxis and limousines need special RTA endorsements?
Yes. Taxis and chauffeur-driven limousines must meet RTA licensing requirements and often need specific endorsements on the insurance policy; we help ensure your policy includes required clauses.
Can I insure multiple taxis under one fleet policy?
Yes. Fleet policies are available and can simplify management and renewals; premiums and terms depend on the fleet size, vehicle profiles and claims history.
What affects my premium for taxi insurance?
Premiums are influenced by vehicle type, age, declared passenger capacity, driver experience and claims history, usage (metered taxi, limousine service, ride-hailing) and chosen excess or add-ons.
How do I make a claim if an insured taxi is damaged or involved in an accident?
Report the incident to the insurer and local authorities, collect supporting documents and photos, and contact us for assistance. We coordinate vehicle inspections and submit required paperwork to the insurer on your behalf.
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