Zero Markups or Hidden Fees
You pay the exact same rate as going direct to the insurer. Our service costs you AED 0 extra, but you get a dedicated broker in your corner.
STOP OVERPAYING FOR CAR INSURANCE.
The UAE market is flooded with hidden fees and overpriced premiums. Tell us about your vehicle in 60 seconds, and our licensed broker partner, UniTrust, will instantly compare top UAE insurers to lock in your best available rate. Fast, 100% digital, and zero price markups.
Brokerage services provided by UniTrust Insurance Brokers LLC (IA Registration No. 188)
- 100,000+Vehicles Covered
- AED 100M+Claims Processed
- 4.7/5Average Rating (150+ Google Reviews)
PICK YOUR LEVEL OF PROTECTION. WE HANDLE THE REST.
COMPREHENSIVE COVERAGE
- Best For:
- New cars, luxury vehicles, financed cars, or drivers wanting total peace of mind.
- What it Covers:
- Damage to your car + damage to other cars + fire, theft, malicious damage, and storm/flood protection.
- Key Add-ons Available:
- Agency Repair, 24/7 Roadside Assistance, Off-Road Cover, Replacement Car Allowance.
THIRD-PARTY LIABILITY (TPL)
- Best For:
- Older vehicles, budget-conscious drivers, or cars driven infrequently.
- What it Covers:
- Legal protection covering bodily injury and property damage caused to other people and their vehicles.
- Key Benefit:
- The legal minimum required to register your car in the UAE at the lowest possible cost.
ONE ENQUIRY. ALL TOP UAE INSURERS.
Full Market Comparison
Don't open 15 tabs. UniTrust compares options from Orient, Tokio Marine, Sukoon, RSA, and more to get you the lowest rate for your profile.
Dedicated Claims Advocacy
In an accident? You aren't fighting a chatbot. You have UniTrust's licensed claims team fighting for your repairs and payouts.
TRUSTED BY UAE DRIVERS.
“I'm giving them 5 Stars as they quoted me the lowest possible comprehensive vehicle insurance in the market plus a generous discount.”
“Very smooth car insurance renewal process. The agent was super responsive, helped me switch over, and saved me money.”
“Fast and professional service. My motor policy was sorted out in minutes with zero stress.”
FREQUENTLY ASKED QUESTIONS
How does SmartInsurance find me the best car insurance rate?
You fill out our 60-second form to structure your vehicle details. We transmit your enquiry to our licensed partner, UniTrust Insurance Brokers LLC (IA Reg No. 188), whose experts compare quotes across 30+ top UAE insurers to match you with the best rate.
Can I get quotes for Non-GCC spec (imported) cars?
Yes. While some insurers reject imported vehicles, UniTrust works with specialist underwriters in the UAE who provide comprehensive and third-party options for Non-GCC cars.
What is Agency Repair, and do I need it?
Agency Repair guarantees your car is fixed at the official brand dealership (e.g., Al-Futtaim, Al Tayer) using genuine parts. It is typically available for cars up to 3 to 5 years old. For older cars, High-End Non-Agency Panel Workshops offer excellent repairs at a lower premium.
How does my No Claims Discount (NCD) lower my price?
If you have driven in the UAE (or your home country) without making a claim, you can qualify for an NCD discount of up to 20%–30% off your premium. Your UniTrust broker will apply this discount directly to your quotes.
How fast can I get my policy documents to register my car with RTA?
Once you approve your quote and pay online, your policy is uploaded directly to the RTA system, and your digital policy documents are emailed to you instantly.
READY TO SAVE ON YOUR CAR INSURANCE?
It takes 60 seconds. No obligation. No hidden fees.
GET MY FREE CAR QUOTES NOW ➔