Compare quotations on the whole set of terms, not the premium alone. The figures that change your real cost after an accident are the excess, the repair arrangement and the exclusions.
In more detail
Start by confirming every quotation is for the same declared vehicle value and the same cover type — otherwise you are comparing different products. Then read the excess on each, and check whether repairs are at the manufacturer's authorised workshop or an approved network.
Finally check the exclusions and the optional extensions. Off-road use, Oman travel, a replacement vehicle and natural-event damage are the items most often assumed to be included when they are not.
Conditions and exceptions
- A cheaper premium with a much higher excess can cost more overall on a single claim.
- Cover wording differs between insurers; two policies described as comprehensive are not necessarily equivalent.
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.