In the UAE, there are two types of automobile insurance (and in fact across most of the world). These are comprehensive and third-party auto insurance. In order to drive on the road lawfully in the UAE, you must get third-party auto insurance.
Third-party vehicle insurance :
The bare minimum of coverage is provided by third-party auto insurance. This means that while you and your car are not protected, the insurance provider will cover any harm you or your car do to another person or their car. If you’re wondering what the term “third-party” refers to, it indicates that you (the person who purchased the insurance) and the insurance company are the first and second parties, respectively, and that the third party is not a party to the business agreement.
In the UAE, having third-party auto insurance is required by law. This means that nobody will be held responsible if another road user causes harm to him or her or his or her car.
Comprehensive car insurance :
Your car, you, and any injuries you might cause to others are all covered by comprehensive auto insurance. You receive both “third-party” cover and protection for you, the second party, in other words. Literally, the word “comprehensive” means “complete” or “containing everything that is necessary.” Although comprehensive car insurance is sometimes referred to as “fully comp,” there are actually several different levels of coverage available. These range from the more basic packages, which will cover damage to your car, to more comprehensive cover, which will pay for a taxi while your car is being repaired.