Theft of the vehicle is normally covered under a comprehensive policy and is never covered by third party liability. A police report is required, and the insurer applies a waiting period before settling while the vehicle is searched for.
In more detail
Settlement for a stolen vehicle that is not recovered is normally based on the market value at the time of loss, less the excess and any deduction stated in the policy, rather than the price you originally paid.
Contents left inside the car — personal belongings, electronics, documents — are usually excluded from a motor policy unless a specific extension applies.
Conditions and exceptions
- Cover can be refused where the keys were left in the vehicle or it was left unsecured; the exact wording varies by insurer.
- Some policies require an anti-theft device on higher-value vehicles.
Related pages
Important: The information on this page is general guidance about motor insurance in the UAE and is not a policy document or a guarantee of cover. Cover, benefits, exclusions, excess amounts and pricing differ between insurers and depend on your vehicle, driver profile and the policy wording issued to you. Always read the policy schedule and terms issued by the insurer before purchasing.