Comprehensive car insurance in the UAE
that pays when you need it.

Yes, car insurance is a legal requirement for all vehicles in the UAE. You cannot register your car without valid insurance coverage.

Comprehensive car insurance covers damages to your own vehicle as well as third-party damages. Third-party insurance only covers damages caused to another person's property or injuries. We offer three tiers at GIG Gulf, covering all eventualities.

Insurance premiums are calculated based on factors like the vehicle's age, model, value, driver's age and driving history, and the type of coverage selected.

The cost of car insurance in the UAE is influenced by vehicle and driver-specific details. The age and condition of the vehicle play a pivotal role; older cars might be more expensive to insure due to potential issues, while newer, well-maintained vehicles often attract lower premiums. The driver's age is another significant factor, with younger and much older drivers typically facing higher rates due to statistical accident probabilities. A driver's record, both in terms of driving behaviour and claim history, can increase or decrease premiums. The vehicle's market value also matters; higher-value cars might attract higher insurance rates. Additionally, the type of insurance plan, its coverage, and the chosen deductible amount will effect the final premium.

Go to MyGIG Car, log in and click Orange Card to download the PDF.

Yes, the no-claims discount, or no-claims bonus, is transferable. You can obtain a certificate from your previous insurer and present it to the new provider to benefit from the discount.

After ensuring everyone's safety, report the accident to the police. You will need the police report to process your claim. Contact us when you have the report or submit a claim using our online claim tool. Once the claim is submitted, you will receive an SMS providing the claim reference number and contact details of the workshop as per your policy coverage.

Some policies offer GCC-wide coverage as an optional add-on, while others might include it in their standard packages. Add these to your GIG Gulf Motor Prestige or Motor Perfect insurance policies while getting a quote.

Off-road coverage is designed to protect your vehicle during off-road adventures. GIG Gulf's Motor Third Party does not cover off-roading, but Prestige and Perfect do.

When insurance policies talk about “war,” they mean more than just a formally declared war between countries. It can include things like:

• Fighting between countries — even if war isn’t officially declared
• An invasion of one country by another
• Attacks by foreign forces
• Civil war within a country
• Rebellion or revolution
• Uprisings against the government
• Major civil unrest that turns into an organized uprising
• Situations where the military or another group takes control of the government

In simple terms, if damage is caused by large-scale armed conflict or a government being overthrown or challenged by force, it may fall under the “war” exclusion in your policy.
If you require clarification regarding a specific circumstance, please contact us for further guidance.

In most cases, no. Standard insurance policies — including home, motor, travel, and business insurance — typically contain a “war exclusion clause.” This means losses caused directly or indirectly by war are not covered.

Under our standard policy, losses caused by war or terrorism are excluded, and this type of coverage is not available as an add-on.

Yes, all GIG Gulf policies offer extensions to cover legal liabilities for family members as third parties. Check the terms and conditions to find put details depending on your policy.

You can renew your GIG Gulf car insurance online Here