Car Insurance
We allow you up to 7 days to renew your existing car insurance policy. After 7 days, renewal will be unavailable and you'll have to purchase a new policy if you wish to continue being insured with RSA. Please note: we will not cover any claims during the period you did not hold the Car Insurance.
We will give you a refund, as per the short rate schedule.
In the unfortunate event of a claim, you will need to submit the following documents along with your claim form:
- Copy of Driving License
- Copy of Registration Card (or Mulkia)
- Police report
Claim requests can also be made online, with just a few clicks, on our website. You can also process it by emailing to claims@ae.rsagroup.com; alternatively , you can call our Claims team on 800 774 and speak to one of our dedicated claims advisors.
No two drivers are the same, and as the insurance premium and terms are affected by the profile and driving experience of the driver, it is not possible to transfer the policy from one driver to another.
Depending on your vehicle type, specification and the terms & conditions, you can be charged multiple excesses based on the nature of the incident.
We offer 3 levels of insurance for your vehicle:
- Motor Value – Covers Third Party Liability
- Motor Smart – Comprehensive Cover for Loss or Damage to the Insured Vehicle including enhanced protection and Third Party Liability
- Motor Executive – Our highest level of coverage with higher limits and all optional covers are bundled within
You will need the following documents to apply for a car insurance under a company name:
- Trade License Copy
- Main Driver’s License
- Vehicle Registration Copy
- Tax Registration Number
The excess (deductible) is your contribution made at the time of non-recoverable claim(s) due to an accident.
This is the most basic cover and is compulsory as per the UAE law. Third-party liability covers you against:
- Death or bodily injury to any third party/person.
- Damages to third party property arising out of the use of your motor vehicle. More importantly, this policy does not cover any damage or loss to your own vehicle.
The sum insured is the maximum amount, excluding any excess amount, which the Insurance Company will pay in the event that your vehicle is a total loss.
Once your claim has been settled, a member of our team will call you to either collect your cheque or arrange a bank transfer. Please note the transfer will only be made to the vehicle’s registered owner.
If you are wishing to upgrade your car insurance from Third Party, this can be done as long as the vehicle is GCC standard & supported with a Comprehensive Test Certificate, which will then require approval.
If your car is new and out of the showroom, the purchase price of the vehicle will be considered as the Sum Insured. However, it is important to note, the value of the vehicle depreciates over time. So always calculate the Sum Insured based on the current market value of the vehicle.
The process time will vary and there is not set time however, once you make a claim, we always endeavor to turnaround your submission within one working day, provided that all the mandatory documents have been submitted.
We can provide you with valuable additional covers like Temporary Rent-A-Car Facility, Personal Accident Benefit and Territory extension to GCC countries.
If you have selected Agency Repairs coverage then your vehicle will be repaired at the vehicle’s authorised dealership. If you selected Non-Agency, we will select one of Our Approved Garages, all of which adhere to our strict quality controls. This also allows us to offer a 6-month guarantee on mechanical work and 12-month guarantee on body repairs and paint jobs.
A No Claims Discount (NCD) is the discount given on your premium based on the experience (i.e. number of years without claims) of the driver.
Comprehensive cover is available for vehicles up to the age of 7 years. Vehicles over 7 years need to be referred to our motor team who will review each case.
You can get agency repairs for up to two years from its first registration as new, and if you choose to extend it, you can do so for up to five more years, subject to an additional premium.
When you are switching to RSA, you will have to produce a No Claims Discount Certificate to us which may reduce your premium.
Insurance for high-value cars or sports cars can be arranged on a referral basis only. Call 800 772 (RSA) for more information today.
If you’re stuck in the middle of nowhere and that’s within the limits of the UAE, we have you covered. Our 24-Hour Accident and Breakdown Roadside Assistance services can be purchased as an optional extra with the Comprehensive cover, while it is included as standard with our Executive cover. This includes services such as Towing, Battery Boosting, Off Road Assistance and Car Registration. Please refer to the Policy Wording for the full list of services. For any immediate Roadside Assistance, please call 800 462 372.
No Claims Discount (NCD) documents are necessary because it helps us consider further discounts on the quotation and provide you the best price possible.
Yes, the territorial limits of the Sultanate of Oman are included in your policy and covers Own Damage as well as Third Party Liability. Go ahead and start making plans to drive to Oman!
If you need help and have Roadside Assitance Service, you can call International Motoring Company (IMC) on 800 462 372 for Roadside Recovery Service for Dubai. If you are calling from Oman, you can call on +9714 387 6608 for Roadside Assistance.
Unfortunately we are unable to provide cover in a different name to the registration due to this being a UAE Traffic law requirement.
Whilst RSA's Roadside Assistance service is available in Oman, it is unavailable in other GCC countries.
The Rent-A- Car provided is a standard saloon vehicle up to four years old with an engine size between 1.3 to 1.8 Litres or 2 to 2.4 Litres, depending upon your Policy type. Regretfully, it may not be a like-for-like vehicle.
Sorry, Trailer Insurance is not offered as a standard within RSA's Motor Insurance policy. However, you can contact us on 800 772 (RSA), so we can review and advise if an extension is possible, subject to RSA's terms and conditions.
No, cash reimbursement facility will only be allowed in situations where either the hire car is not available with our service provider or for any other compelling reasons due to which we are unable to provide an alternate vehicle to you.
Yes! That’s if they’ve had a license for more than one year and are above the age of 25 years, they can drive the vehicle with your consent so you can take a break!
Yes of course, if you have the 'Temporary Rent-A-Car' option included in your policy, we will provide you with an alternative car for up to 10 days per claim.
If you’re below the age of 25, you’re considered as a Young Driver.
In the event of an accident that makes your vehicle not roadworthy, our taxi fare covers the cost of hiring a taxi in the UAE in order for you to complete the journey to your destination or return to your residence.
The minimum length of insurance you can purchase is for 12 months. However, as per laws set by the Traffic Department, a 13-month insurance period is provided to cover the one-month registration grace period.
You can renew your policy by clicking 'Renew Policy' and entering your Policy number on our website. Alternatively, you may speak with our Insurance Advisors on 800 RSA (772) and renew your policy over the phone.
Yes, it is possible to cancel your insurance, provided a valid reason as well as all the required documents are presented. The policy will be reviewed and referred if necessary prior to cancellation. The refund amount would be calculated based on the table set by the Insurance Authority.
Check your Car Registration card, as well as your Policy Schedule to know the renewal date of your Car Insurance. Also, nearer the time we will also send you a reminder via email & SMS.