Highest deductible/excess in motor insurance in UAE

Every motor insurance customer in UAE is concerned about the deductible or excess that their motor policy contains.

It is the amount that the motor insurance customer would have to pay out of his pocket, if the accident occurred as a result of his mistake.

The following is the highest slab that any insurance company can charge as per the Insurance Authority of UAE:

Motor Vehicle Deductible
Private vehicles where the permissible number of passengers of which does not exceed(9) passengers and its value does not exceed AED 50,000 Maximum AED 350/per each accident
Private vehicles where the permissible number of passengers of which does not exceed(9) passengers and value of which exceeds AED 50,000 and not exceeding AED 100,000 Maximum AED 700/per each accident
Private vehicles where the permissible number of passengers of which does not exceed(9) passengers and value of which exceeds AED 100,000 and not exceeding AED 250,000 Maximum AED 1,000/per each accident
Private vehicles where the permissible number of passengers of which does not exceed(9) passengers and value of which exceeds AED 250,000 Maximum AED 1,200/per each accident
Private vehicles where the permissible number of passengers of which does not exceed(9) passengers and value of which exceeds AED 500,000 Maximum AED 1,400/per each accident
Private vehicles where the permissible number of passengers of which exceeds (9) passengers and does not exceed (12) passengers Maximum AED 1,500/per each accident
Private vehicles where the permissible number of passengers of which exceeds (12) passengers, rental vehicles, and trucks where the tonnage of which exceeds(3) tons Maximum AED 1,700/per each accident
Trucks where the tonnage of which exceeds (3) tons and passenger buses and industrial vehicles for construction and agricultural works Maximum AED 4,500/per each accident

In addition to the deductible amounts set in Schedule (3), the Insured may charge the Insured who caused an accident an additional deductible as follows:

  1.  Maximum 10% of the amount of compensation if the Motor Vehicle Driver is below the age of 25 years.
  2.  Maximum 10% of the amount of compensation in case of taxi and public transport vehicles.
  3.  Maximum 15% of the amount of compensation of sports cars and modified vehicles.
  4.  Maximum 20% of the amount of compensation of vehicles modified outside the factory.
  5.  Maximum 20% of the amount of compensation of rental vehicles.


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