Main Covers

As the largest global insurance provider in the UAE, we strive to provide you with a wide range of car insurance covers to fit your needs, while making sure we provide excellence and quality in everything we deliver.

Comprehensive car insurance

Our comprehensive car insurance protects you, your passengers and your vehicle. Your vehicle can be insured with this product 
if it is up to 15 years of age. The premium includes:

  • Car loss or damage compensation to your vehicle including personal belonging.
  • Third party liability against personal injury and property damage.

Third party car insurance

Our third party car insurance protects you against your liability towards third party personal injury and property damage. For your peace of mind this cover is required for all UAE drivers.

For more information about other covers, please refer to the Product Summary table.

Additional benefits

To ensure you keep on moving, we provide you with 
the below services (depending on the selected product):

  • Coverage of the cost of the car, as per original invoice in case of total loss (no depreciation for 24 months)*.
  • Option to repair at agency/dealership or with AXA network garages.
  • RTA inspection done by AXA on your behalf.
  • Replacement vehicle in the case of a claim*.
  • Pick up and drop off service in the event your vehicle is in the workshop for repairs.
  • 24/7 roadside assistance & breakdown recovery.
  • Off-road cover.
  • Oman Extension cover for all your road trips to Oman.

Do you have a loan on the vehicle?

Lenders usually require comprehensive insurance on vehicles they have financed.

*T&Cs apply. Cover is applicable only if specifically stated on your Policy Schedule. 
Please read all the exceptions and conditions that apply to each Section of Your Policy.

Motor Prestige
Motor Perfect
Motor Third Party
Loss or damage to the insured vehicle
Not Applicable
Third party liability - Bodily injury
Third party property damage
AED 5 million AED 3.5 million AED 3.5 million
Legal liability extended to include family members as Third Party
Fire & theft cover
AED 3.5 million
Storm, flood, riot and strike
Not Applicable
Personal injury cover
AED 20,000 AED 20,000 Not Applicable
Emergency medical expenses
AED 6,000 AED 3,500 Not Applicable
Personal belongings
AED 4,000 AED 4,000 Not Applicable
No claims discount
Oman cover
Optional
Off-road cover
Not Applicable
Maximum available agency repair period
Included 5 years Optional up to 5 years Not Applicable
Guaranteed repairs
Not Applicable
Back to invoice for total loss
24 months from 1st registration 6 months from 1st registration Not Applicable
Waiver for excess for windscreen damage
Yes, if below AED 5,000 Not Applicable
Personal accident benefit - driver
Optional AED 350,000 Optional AED 200,000 Optional AED 200,000
Personal accident benefit - passengers
Optional AED 200,000 Optional AED 200,000 Optional AED 200,000
Hire car benefit
Yes, up to AED 1,500 Optional, up to 7 days Not Applicable
24 hour accident and breakdown recovery
GCC cover
Optional Optional Not Applicable
Pickup & delivery (claims service)
Not Applicable
Claims single point of contact
Not Applicable Not Applicable

How to submit your claim

If you encounter any issue and want to submit a claim, our dedicated claims team can help you anytime with our hassle-free claims process, anywhere. Just tell us what happened and we will take it from there.

You can get in touch with us through various touchpoints: Fill out this form or call 800 AXA (292) and one 
of our customer service representatives will guide you through your claim.

SUBMIT/TRACK A CLAIM