What Is a Car Insurance Policy?
When you purchase a car, you're also required to take out car insurance. Liability insurance is mandatory, but you can also choose a more comprehensive option, such as limited or fully comprehensive coverage. In total, there are over 50 different
car insurance policies available, each with its own coverage and terms
Need help choosing the right policy? We’ll guide you through the process in just 3 simple steps. Have questions? We’re here for you!
Why Choose insurancehub.ae for Car Insurance Ajman?
Compare 50+ car insurance companies in Ajman in seconds
Transparent pricing: no hidden fees, no call-back hassles
Central Bank-approved platform with 256-bit encryption
Dedicated claims concierge available 24/7
Coverage Options Tailored to Your Drive
Third-Party Liability
Ideal for budget-focused motorists looking for cheap car insurance Ajman policies that still meet legal requirements
Comprehensive Car Insurance Ajman
Covers own-damage, natural disasters, and theft. Choose from agency or non-agency repair networks and add personal accident benefits
Fleet & Group Solutions
Businesses can enrol multiple vehicles under
Ajman Group Insurance for Car to unlock bulk discounts and unified renewals
How Our 3-Step Online Process Works
Enter Details
Vehicle, driver profile, and desired add-ons
Compare & Customise
Use filters for the cheapest car insurance in Ajman or premium covers.
Checkout & Drive
Instant e-policy delivered to your inbox and RTA system in under 10 minutes
Calculate Car Insurance
Want to calculate your
car insurance premium online? Start by comparing car insurance options. In just a few quick steps, you can compare multiple policies and find the best rate for your needs
To calculate your premium, we’ll need a few details from you:
Number of claim-free years
Annual mileage
Your car’s license plate number
3 Simple Steps to Compare, Choose, and Buy Car Insurance Online
Step 1: Compare and Buy Car Insurance Online
Comparing car insurance with us is simple. We’ll ask you a few quick questions—things insurers use to calculate your premium, like your claim-free years and the current value of your car
Next, you choose your coverage type: third-party liability or third-party insurance. Don’t worry—we’ll provide you with clear guidance
Once you make a choice, we’ll show you the top three offers and the premium for each. Want to go deeper? You can easily compare features like policy terms, breakdown cover, and optional add-ons like passenger insurance. From there, you can either take out the policy immediately or view a quote first.
You’ll be fully insured and ready to drive in just 10 minutes. That’s how quick and easy it is with Insurancehub.ae
Step 2: Choose Your Coverage and Optional Add-ons
When comparing car insurance, choosing the right coverage is key. You have three main options:
A liability insurance. This is also called a legal liability insurance. This
is the cheapest car insurance that there is, but is also required by law.
This insurance reimburses the damage that you cause to others with your car.
Your own damage is not reimbursed.
Liability Insurance (Third-Party):
Also known as legal liability insurance, this is the cheapest and legally required option. It covers damage you cause to others but not your own vehicle
Limited Hull Coverage (Third-Party, Fire & Theft):
Also called WA Plus, this adds coverage for your own car in case of fire, storm damage, theft, or window damage—but not for accidents caused by you
All-Risk Insurance (Comprehensive):
The most extensive coverage. It includes everything in limited hull and also covers damage caused by your own actions
The best option for you depends on your car’s age and value. Don’t just go for the cheapest plan—choose the one that provides real protection.
Optional Car Insurance Add-ons
Extra coverage isn’t mandatory, but it can be very helpful. Keep in mind, adding extras increases your premium, which may make finding cheap car insurance a bit harder. Here are common add-ons:
Passenger Accident Insurance:
Pays a fixed amount if a passenger becomes disabled or dies in an accident.
Passenger Damage Insurance:
Covers damages suffered by the driver or passengers—whether it’s personal injury or damage to belongings like luggage or clothing
Legal Assistance Insurance:
Offers expert advice and legal help in case of disputes related to your car or injury claims
Step 3: Take Out a New Policy and Cancel the Old One
When you compare car insurance on Insurancehub.ae, you can often take out your new policy right away. We’ll send you a confirmation email once you're accepted, so you can hit the road confidently
Not Accepted Right Away?
If you have a history of claims or cancellation with a previous insurer, your application may need approval. You may still receive provisional coverage, which allows you to drive while waiting for final acceptance. In some cases, you won’t be allowed to drive until your application is reviewed
Need Help Canceling Your Old Insurance?
Switching from an old policy? We’ve got you covered. Just indicate during your new application that you'd like to cancel your previous insurance. We’ll send you a link to create a cancellation letter—just send it to your old provider
Need Help with Car Insurance Online?
We get it—choosing the right insurance isn’t always easy. You might have a unique situation or a special type of vehicle. That’s why we’ve put together helpful tools and guides to make your decision easier
Special Cases to Consider:
Electric Cars
Classic or Vintage Cars
Hybrid Cars
Leased or Commercial Vehicles
Should You Claim or Pay for Damage Yourself?
Not every accident is worth claiming. Filing a claim might cause you to lose your claim-free years and raise your premium. Our smart tool helps you decide whether to claim or pay out of pocket.
Meet the Car Insurance Companies in Ajman on Our Panel
AXA Gulf (GIG)
RSA UAEOman InsuranceAl SagrNoor
TakafulDiscounts & Special Offers
Up to 40 % off during Ramadan—grab the cheapest car insurance in Ajman without sacrificing cover
Free roadside assistance on select comprehensive plans
No-claims bonus up to 50 % transferable from any GCC insurer
Value-Added Services
24/7 accident recovery within Ajman and across the UAE
Direct billing at partner garages for quicker repairs
Instant online claim filing—upload photos, police report, and track progress