Fleet Insurance in the UAE: A Guide for Companies
The legal minimum, third-party vs comprehensive, fleet policies, repairs and what drives the premium.
✓ Since 1995 · ✓ Central Bank of the UAE Reg. No. 081 · ✓ Compared across leading UAE insurers
Every company vehicle on UAE roads needs insurance, and how you set up that cover affects your costs, your admin and how quickly vehicles get back on the road after an accident. This guide explains the legal minimum, the main choices for company vehicles, and what insurers need to quote. It's written by Al Berwaz Insurance Brokers, licensed by the Central Bank of the UAE (Registration No. 081).
What the law requires
Motor insurance in the UAE follows the unified motor vehicle insurance policies set by Insurance Authority Board Decision No. 25 of 2016, now part of the Central Bank of the UAE's rulebook. Every vehicle licensed in the UAE needs at least third-party liability cover, which pays for bodily injury to other people, inside or outside the vehicle, and damage to their property. Insurers must issue third-party cover on licensed vehicles when asked.
Third-party or comprehensive?
| Cover | What it pays for |
|---|---|
| Third-party liability | Injury to other people and damage to their property. Not damage to your own vehicle |
| Comprehensive (loss and damage) | Third-party liability plus accidental damage, fire and theft of your own vehicle |
Many companies insure newer or higher-value vehicles comprehensively and older vehicles on third-party only. A broker can split the fleet this way on one policy.
Fleet policy or individual policies?
A fleet policy puts all your vehicles under one policy with one renewal date, which makes adding and removing vehicles simpler. Smaller businesses can insure a handful of vehicles on individual policies arranged together. Either way, keep the vehicle list up to date, since an unlisted vehicle isn't covered.
Agency or garage repair
Agency repair means the manufacturer's authorized dealer repairs the vehicle with original parts. Garage repair uses an approved independent workshop. Agency repair costs more and is usually only offered for newer vehicles. Under the unified policy, a third party's damaged vehicle is repaired at the agency in its first year, and after that the policy sets depreciation deductions by the vehicle's age.
How premiums are calculated
Insurers look at:
- the number, types and values of vehicles
- how the vehicles are used, for example deliveries, passenger transport or staff cars
- the drivers' ages and experience
- third-party or comprehensive cover, and agency or garage repair
- extras such as Oman cover, personal accident and roadside assistance
- your claims history, which is usually the biggest factor at renewal
What to prepare for a quote
- Vehicle list: make, model, year, plate number, chassis number and value for each vehicle.
- Use: what each vehicle is used for and where it's driven.
- Cover wanted: third-party or comprehensive, agency or garage repair, and any extras.
- Claims history: a claims report from your current insurer, ideally for three years.
- Current policy: your policy schedule, if you already have cover.
Why use a broker?
An insurer can only offer its own rates and terms. A broker compares insurers across your whole fleet, structures cover by vehicle age and value, and helps with endorsements and claims during the year. Broker commission is built into the insurer's premium, so using a broker doesn't add to your cost.
Got questions? We've got answers
Quick answers to other questions companies ask us about insuring their vehicles.
Ask Us a QuestionCan an insurer refuse to cover a young or newly licensed driver?
Under the Central Bank's unified motor policy rules, an insurer can't refuse cover or discriminate on rates just because of age, sex, residence or a licence held for under a year, unless it has technical or actuarial reasons or past experience with that driver. In practice, younger drivers still usually mean a higher premium.
Are our vehicles covered in Oman?
Not under the basic unified policy, which doesn't apply outside the UAE. Oman cover is added as an extension, sometimes for an extra premium. Check it's on the policy before vehicles cross the border.
Who can drive our company vehicles?
The unified third-party policy extends to any licensed driver driving the insured vehicle. For your own vehicle damage, check the policy's driver conditions, since some fleet policies set rules for age or experience.
What should our drivers do after an accident?
Make sure everyone is safe, report the accident to the police and get the report, then notify the insurer as soon as possible. The unified policy requires the insured or driver to notify the authorities and the insurer within a reasonable time, and to pass on any claim documents they receive.
✓ Serving Abu Dhabi businesses since 1995
✓ Licensed by the Central Bank of the UAE (Reg. No. 081)
✓ Fleet and commercial motor insurance compared across leading UAE insurers
Sources:Central Bank of the UAE Rulebook: Insurance Authority Board Decision No. 25 of 2016 on the Unified Motor Vehicle Insurance Policies. Checked October 2026.
This guide is general information, not legal advice. Cover is subject to the policy terms, conditions and exclusions of the issuing insurer.