Insuring Your Vehicle in Dubai: What You Need to Know?

Rental Car Insurance Guide in Dubai

Understanding car rental insurance in Dubai is crucial for several reasons. It ensures that renters are adequately protected against potential financial liabilities from accidents, theft, or damage. Given Dubai's specific traffic laws and regulations, being informed about the types of insurance available, what they cover, and any associated costs can prevent unexpected expenses and legal issues. Moreover, with the right insurance, renters can enjoy a stress-free driving experience in Dubai, knowing they are covered in various scenarios. This knowledge is key to making informed decisions and selecting the appropriate insurance coverage for one's needs and budget. This is a comprehensive guide to car rental insurance in Dubai.

SAADATRENT’s Rental Car Insurance

SAADATRENT offers full insurance dedicated to car rental companies, ensuring comprehensive coverage for renters. This full insurance package is designed to provide peace of mind to customers, covering a wide range of incidents including accidents, theft, and damage without needing personal insurance. It simplifies the rental process, as renters can rely on SAADATRENT's dedicated insurance to fully protect them during their rental period in Dubai, making the experience secure and hassle-free.

Car rental at Dubai Airport

Understanding Rental Insurance Terms and Conditions

Car Rental Insurance in Dubai

Understanding the terms and conditions of rental insurance in Dubai reveals that while insurance covers losses from accidents, theft, and damage, a deductible or franchise is involved. This deductible, which the customer is responsible for in the event of an accident, never exceeds the car deposit amount. This franchise varies and must be calculated based on the rental agreement and specific insurance policy, making it essential for renters to be informed about their potential financial liability and coverage details.
There are two types of Insurance available with SAADATRENT car rentals in Dubai:

Basic Insurance

Saadat rents basic insurance, which includes the most basic types of insurance and financial resources. This insurance is standard on all vehicles, and you should keep in mind that under basic insurance, the renter is financially responsible for any capital losses.

✅Extended Roadside Assistance
✅Saadatrent Safety Pledge (SSP)
✅Complete theft coverage
Minor damage coverage (MAC)
Exemption Decrease Value (EDV)
Price Daily: Free


The most comprehensive foreign rental car insurance (LDW) package contains all coverages and limits your financial liability to the amount of your deposit. You will obtain the most recent Saadat Rent model if you choose this insurance. This form of insurance only covers rental automobiles and is not the same as third-party insurance or body insurance.

✅Extended Roadside Assistance
✅Saadatrent Safety Pledge (SSP)
✅Complete theft coverage
✅Minor damage coverage (MAC)
✅Exemption Decrease Value (EDV)
Price Daily: 29 AED

Car Rental Terms & Conditions

  • All cars are washed and cleaned and delivered to the customer and the lessor agrees to return the car to a car wash and clean, Otherwise, 25 dirhams will be charged, if the car is dirty. If the cars need full cleaning in terms of hygiene And inhale the smell of cigarettes and alcoholic beverages; The cost of a full car wash will increase by 200 dirhams.
  • In case of any accident, the lessor should not move the vehicle from the scene before the police inspection. He must deliver all the required documents immediately to the office from which he rented the car, otherwise, he will be fully responsible.
  • The tenant is responsible for paying the daily repair and rent for the period of non-work due to an accident or technical defect due to carelessness.
  • It is hereby agreed between the lessor and the company that in the event of "total loss"; (Car out of cost-effective repair) The lessor undertakes to pay 30% of the total insured value of the vehicle to the company.
  • If you have a fine of more than 200 AED, you must pay the fee when you return the car.
  • In the event of an accident or technical problem, the tenant must notify the company from which he rented the car. The tenant is not allowed to repair without notifying the renting company.
  • In case of non-payment of rent, the remaining for each day of delay will incur 5% of rent.
  • In case of seizure of the vehicle, the tenant is responsible for paying all costs the value of the vehicle, and the rent.
  • For people who do not have a credit card, 1,500 dirhams will be paid as a deposit for 30 days after returning the car.
  • The lessor has a UAE certificate or international driving license that is less than one year from the date of issue or if the lessor is less than 21 years old, will be liable for all damages resulting from any accident.
  • If an accident occurs due to the driver being affected by alcohol or any other alternative that has the same effect, the lessor must then compensate for all damage to the vehicle.
  • The landlord agrees to pay all driving and parking ticket fines during the rental period. The company reserves the right to claim such unpaid amounts from the lessor within three years of the end of such lease.
  • All repairs must be done in dealerships.
  • The lessor company is not allowed to deliver the vehicle to the driver without a license or a person under 21 years of age. Otherwise, he will be responsible for all damages.
  • You are not able to drive outside the UAE. This insurance is valid only inside the UAE.
  • The permission of the lessor's office is required to extend the period.
  • The company has no responsibility for any cash or valuables belonging to the lessor that may be lost while the vehicle is in his possession or after the full term of the lessor.
  • They lessor must ensure that the vehicle is parked in a safe and secure place when not in the UAE. Any damage to the vehicle, including damage caused by divine acts, will only be borne by the lessor because these damages can not be claimed from insurance.
  • The tenant is not allowed to transfer ownership of the vehicle to any person.
  • No vehicle that may be damaged by the vehicle or its furniture or interior accessories shall be carried in the vehicle.
  • The lessor agrees to use the vehicle for the purpose for which It is licensed. Rental vehicles should not be used for motorsports events, rally racing, and towing of vehicles and for transporting goods in violation of UAE law.
  • The lessor is allowed to drive 250 km per day.

Steps to Take in Case of an Accident or Theft

Car Rental Insurance in Dubai

In case of an accident or theft while using a rental car in Dubai, the immediate steps include ensuring everyone's safety, reporting the incident to the police, and notifying the rental company. For insurance claims, it's essential to provide all required documents, such as the police report and rental agreement, to the insurance provider. The rental company can guide you through the claims process, ensuring the renter follows all necessary procedures to facilitate a smooth claim resolution.


Frequently asked questions about rental car insurance in Dubai.

Do I need a special license to rent a car in Dubai?

Typically, tourists can rent a car with their home country's driving license, provided it's in English or accompanied by an International Driving Permit.

What does full insurance cover for a rental car in Dubai?

Full insurance generally covers accidents, theft, and damage to the vehicle, but be sure to check for any exclusions or deductible amounts.

Can I drive the rental car outside of Dubai?

Yes, you can drive your rental car all across the Emirates.

What should I do if I have an accident?

Immediately ensure everyone's safety, report the incident to the police, and inform the rental company, following their guidelines for such situations.

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