How much excess could you pay on your car insurance?
Your excess is what you pay towards a claim. For a private car with up to 9 passengers, the most is AED 350 to AED 1,400 per accident, depending on the car's value. An extra percentage of up to 20% can apply. Your insurer can confirm your figure.
The unified policy is the standard wording UAE insurers must use.1 It calls your excess a deductible and sets it per accident.2
Your insurer can confirm the figure on your policy. The bars under when you pay it show how an excess splits a repair bill, with made-up amounts.
What is the most your excess can be?
For a private car with up to 9 passengers, the most is AED 350 to AED 1,400 per accident, depending on the car’s value. Other vehicles have higher limits, up to AED 4,500.2
Fig. 1.The maximum excess runs from AED 350 to AED 4,500 per accident
Maximum per accident, by type of vehicle. Value rows are private vehicles up to 9 passengers. These are limits, not prices.
8 categories. Highest: Heavy, bus, industrial, 4,500 AED. Lowest: Up to AED 50,000, 350 AED.
Source
Source: Central Bank of the UAE Rulebook, Unified Motor Vehicle Insurance Policy Against Loss and Damage, Schedule 3. Accessed 4 Nov 2026. Version consolidated 18 January 2021.
| Your vehicle | Maximum per accident |
|---|---|
| Private, up to 9 passengers, value up to AED 50,000 | AED 350 |
| Private, up to 9 passengers, value over AED 50,000 and up to AED 100,000 | AED 700 |
| Private, up to 9 passengers, value over AED 100,000 and up to AED 250,000 | AED 1,000 |
| Private, up to 9 passengers, value over AED 250,000 | AED 1,200 |
| Private, up to 9 passengers, value over AED 500,000 | AED 1,400 |
| Private, over 9 and up to 12 passengers | AED 1,500 |
| Private over 12 passengers, rental vehicles, trucks over 3 tons | AED 1,700 |
| Trucks over 3 tons, passenger buses, industrial vehicles for construction and agriculture | AED 4,500 |
A car over AED 500,000 fits two rows of the published English table, and so do trucks over 3 tons.2 Ask your insurer which row applies to you.
Toyota Corolla, 2026 Corolla Sedan 1.6L, UAE, XLI trim. Length 4,630 mm, wheelbase 2,700 mm, height 1,435 mm. Numbers mark where each cover question attaches. They say nothing about what any policy covers. Stylised drawing from cited dimensions, not a manufacturer image.
Al-Futtaim Motors (official Toyota UAE distributor), read 2026-11-04.
When do you have to pay it?
Your insurer can charge the excess for an accident caused by you or by someone you allowed to drive. It can also charge it for cases “deemed committed by an unknown person”. The policy describes it as an amount deducted from the compensation due.2
Larger repairAED 6,000
You pay AED 1,000Insurer pays AED 5,000
The bill is above the excess. You pay the excess and the insurer pays the rest.
Minor repairAED 700
You pay AED 700Insurer pays AED 0
The bill is below the excess. You pay all of it.
The policy does not say you pay the excess on every claim. It does not define “unknown person”, so ask your insurer whether that means hit and run only.
If you injure someone else, they pay no excess on their compensation. The Third Party policy does not allow it.3
Could you pay more than the table shows?
Yes. If you caused the accident, your insurer can add a percentage of the compensation on top, up to 20%.2
| If this applies | Most it can add |
|---|---|
| Driver under 25 | 10% |
| Taxi and public transport vehicles | 10% |
| Sports cars and modified vehicles | 15% |
| Vehicles modified outside the factory | 20% |
| Rental vehicles | 20% |
If more than one line applies, only the highest percentage counts. On a total loss, the percentages do not apply.2 The policy does not say whether the amount in Table 1 still applies on a total loss, so ask your insurer.
Here is how the two limits add up, with made-up amounts.
| Line | Amount |
|---|---|
| Value of the car | AED 120,000 |
| Compensation for a repair | AED 10,000 |
| Maximum from Table 1 for that value | AED 1,000 |
| Maximum extra for a driver under 25, at 10% | AED 1,000 |
| Largest excess the two lines allow | AED 2,000 |
The example assumes both maximums apply and takes 10% of the full compensation. The policy does not say whether the percentage comes before or after the Table 1 amount.
Does your car count as a sports car?
Ask your insurer. The 15% line names “sports cars and modified vehicles”, but the policy defines neither term and does not say who decides.2
The term sports car is not defined in the unified policy. This drawing does not classify the Mustang or any other car.
Ford Mustang, 2026 Mustang GT Fastback, US technical specifications. Length 4,811 mm, wheelbase 2,718 mm, height 1,397 mm. Stylised drawing from cited dimensions, not a manufacturer image.
Ford Motor Company, read 2026-11-04. Not a GCC specification. Figures from a US source and may differ from the UAE car.
Do you pay excess on a windscreen claim?
It depends on your plan. The unified policy does not mention windscreens.2 Some insurers list a waiver.
- GIG Gulf lists a waiver of the excess for windscreen damage on Prestige, and below AED 5,000 on Perfect. It lists no waiver on Third Party.4
- Sukoon lists Windscreen Damage (No Excess) only if it is on your Schedule, up to AED 3,000 per accident unless the Schedule says otherwise.5
- QIC lists a windscreen excess waiver up to AED 5,000 on its two Prestige Plus plans, and none on third party only.6
- RAK Insurance takes no deductible on its Full Option plan where the windscreen is the only damage.7
All four insurers are on the Central Bank’s September 2026 register.8 Check your Schedule for a windscreen line.
Can your insurer set a higher excess than these limits?
The rules do not settle this. An outside agreement that reduces your cover is void, and the standard forms may be changed only in your favour.2,1 Neither text says whether an insurer can agree a higher excess by rider. If your Schedule shows more than Table 1, ask your insurer why.
The small print
- Terms. The policy says “deductible”, the market says “excess”. The Basic Deductible is the Schedule 3 amount, set per accident. An Ancillary Deductible is any amount added to it.2
- Table 1. This is Schedule 3 of the unified Loss and Damage policy, version consolidated 18 January 2021. The row for value over AED 250,000 has no upper limit, which is why a car over AED 500,000 fits two rows.2
- English and Arabic, Schedule 3. The Arabic has the car overlap but not the truck overlap. Its AED 1,700 row covers trucks not exceeding 3 tons, so only the AED 4,500 row covers trucks over 3 tons (our translation). Where the English of that row says rental vehicles, the Arabic uses the word the English gives as taxi in Schedules 1 and 2.9
- “Unknown person”. The Arabic says accidents recorded against an unknown person (our translation).9
- Extra percentages. These sit in Chapter Three paras 7 to 9. The published English of para 7 reads “the Insured may charge the Insured”.2 The Arabic says the insurer may charge the insured (our translation).9 Para 9 names percentages only.
- Windscreens. Third Party Schedule 4 lists glass, on depreciation only.3 GIG Gulf is Gulf Insurance Group (Gulf) B.S.C Closed on the register.8 Sukoon is Sukoon Insurance PJSC, and its waiver is additional benefit 3.9.5
- Changes to the forms. Chapter One para 03 voids an external agreement that reduces the cover.2 Decision 25 of 2016 says the forms may be amended only in favour of the insured or beneficiary.1
- 2027. From 1 January 2027, Art 102(5) of Cabinet Resolution 174 of 2026 bars an insurer from putting in a policy any term that reduces or prevents cover of its full civil liability for death, bodily injury or property damage (our translation).10 That line concerns liability to others. Ask your insurer whether it changes these terms.
What the policy wording says
Document by document
| Document | Fixed excess | Additional percentage | Windscreen excess |
|---|---|---|---|
| GIG Gulf car insurance page, as of 4 November 2026 | Not yet verified4 | Not yet verified4 | Conditional4Waiver included on Prestige, below AED 5,000 on Perfect, No on Third Party. |
| Sukoon motor wording, print code 11/2024 | Conditional5Restates Schedule 3 and Chapter Three para 6 of the unified text. | Conditional5Restates Chapter Three para 7 of the unified text. | Conditional5Windscreen Damage (No Excess), benefit 3.9, only if on the Schedule. Limit AED 3,000 per accident unless the Schedule states otherwise. |
| Unified Loss and Damage policy | Conditional2Schedule 3 maximums, charged under Chapter Three para 6. | Conditional2Maximum percentages in Chapter Three para 7. | Not stated in the documents2 |
| Unified Third Party policy | Explicitly excluded3No deductible on the injured third party. Chapter Two para 2. | Explicitly excluded3No deductible on the injured third party. Chapter Two para 2. | Not stated in the documents3 |
Not stated in the documents does not mean the cover is absent. It means the reviewed document is silent.
Clause by clause
| Question and reading | Status | Source | Effective | Last checked |
|---|---|---|---|---|
| What is the Basic Deductible?2The amount in the Schedule of Deductibles, per accident. An Ancillary Deductible is any amount added to it. | Explicitly included | DefinitionsUnified policy (CBUAE Rulebook), Unified Motor Vehicle Insurance Policy Against Loss and Damagev2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
| When may the insurer charge the deductible?2For an accident caused by the Insured or an authorised driver, or cases "deemed committed by an unknown person". | Conditional | Chapter Three para 6Unified policy (CBUAE Rulebook), Unified Motor Vehicle Insurance Policy Against Loss and Damagev2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
| What additional deductibles are allowed?2Maximum percentages of compensation, from 10% to 20%, by driver age and vehicle type or use. | Conditional | Chapter Three para 7Unified policy (CBUAE Rulebook), Unified Motor Vehicle Insurance Policy Against Loss and Damagev2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
| What if several additional deductibles apply?2The highest percentage applies. | Conditional | Chapter Three para 8Unified policy (CBUAE Rulebook), Unified Motor Vehicle Insurance Policy Against Loss and Damagev2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
| Do the percentages apply on a total loss?2Deductible percentages do not apply on a total loss. | Explicitly excluded | Chapter Three para 9Unified policy (CBUAE Rulebook), Unified Motor Vehicle Insurance Policy Against Loss and Damagev2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
| Can a deductible be applied to an injured third party?3The insurer may not apply a deductible to the injured third party's compensation. | Explicitly excluded | Chapter Two para 2Unified policy (CBUAE Rulebook), Unified Motor Vehicle Insurance Policy Against Third Party Liabilityv2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
| Does GIG Gulf list a windscreen excess waiver?4Included on Prestige, below AED 5,000 on Perfect, No on Third Party. | Conditional | Plan comparison tableGIG Gulf, Car insurance product page | 4 Nov 2026 | |
| Does Sukoon's wording list a windscreen excess waiver?5Windscreen Damage (No Excess) applies only if on the Schedule, up to AED 3,000 per accident unless the Schedule states otherwise. | Conditional | Additional benefit 3.9Sukoon, Motor comprehensive terms and conditionsPrint code 11/2024 | 4 Nov 2026 |
Readings are paraphrased unless set as a quotation.
How to read a status
- Explicitly included
- The policy document says this is covered.
- Conditional
- The policy document covers this only under stated conditions.
- Explicitly excluded
- The policy document says this is not covered.
- Not stated in the documents
- The policy documents do not mention this. This does not mean it is not covered.
- Not yet verified
- We do not have a document for this yet.
Sources
10
1Central Bank of the UAE Rulebook, Insurance Authority Board of Directors' Decision No. (25) of 2016 Pertinent to Regulation of the Unified Motor Vehicle Insurance Policies, v2 consolidated 2021-01-18. Article 2. Effective 1 Jan 2017. Last checked 4 Nov 2026. Source document: Insurance Authority Board of Directors' Decision No. (25) of 2016 Pertinent to Regulation of the Unified Motor Vehicle Insurance Policies
2Central Bank of the UAE Rulebook, The Unified Motor Vehicle Insurance Policy Against Loss and Damage, v2 consolidated 2021-01-18. Effective 1 Jan 2017. Last checked 4 Nov 2026. Source document: The Unified Motor Vehicle Insurance Policy Against Loss and Damage
3Central Bank of the UAE Rulebook, The Unified Motor Vehicle Insurance Policy Against Third Party Liability, v2 consolidated 2021-01-18. Effective 1 Jan 2017. Last checked 4 Nov 2026. Source document: The Unified Motor Vehicle Insurance Policy Against Third Party Liability
4GIG Gulf, Car insurance product page. Last checked 4 Nov 2026. Source document: Car insurance product page
5Sukoon Insurance PJSC, Motor comprehensive terms and conditions, Print code 11/2024. Last checked 4 Nov 2026. Source document: Motor comprehensive terms and conditions
6QIC, Motor Insurance Key Fact Document, File title v6, file name v5. Last checked 6 Nov 2026. Source document: Motor Insurance Key Fact Document
7RAK Insurance, Additional Covers for RAK Motor Full Option. Last checked 6 Nov 2026. Source document: Additional Covers for RAK Motor Full Option
8Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
9Central Bank of the UAE Rulebook, Arabic text of the Unified Motor Vehicle Insurance Policy Against Loss and Damage, Rulebook latest version, Arabic. Effective 1 Jan 2017. Last checked 4 Nov 2026. Source document: Arabic text of the Unified Motor Vehicle Insurance Policy Against Loss and Damage
10UAE Legislation portal, Cabinet Resolution 174 of 2026. Effective 1 Jan 2027. Last checked 6 Nov 2026. Source document: Cabinet Resolution 174 of 2026
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 5 May 2027
- Status
- Published