Liva Insurance
Liva Insurance sells car, home, travel and health insurance in the UAE, where it was called RSA Middle East until 2023. It is a Bahrain company with offices in Dubai, Abu Dhabi and Sharjah. It is fully owned by Liva Group SAOG of Oman, which is listed on the Muscat Stock Exchange.
Out of 5 from 1,824 Google reviews across 3 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Liva Insurance
Liva Insurance averages 3.1 out of 5 across 1,824 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Liva UAE, a medical insurance app: 3.1 on Google Play. Those ratings are for its health app, not car insurance.
Counts come from the 93 reviews we read that are about car insurance, most from 2025 to 2026.
What customers praise
Helpful staff when renewing or buying car cover24 of 93
we were able to get our insurance renewed in less than a day
Motor claim handled smoothly14 of 93
everything was smooth and so far we are satisfied
Quick repair at an approved garage3 of 93
I got the car back after just a day.
What customers complain about
Slow motor claims and repairs18 of 93
our vehicle has now been sitting in the assigned workshop for over a month with no repair work carried out
Hard to reach by phone or email8 of 93
The calls simply keep ringing with no response.
Disputes over the replacement car7 of 93
After one week trying with them to get a good replacement car
Policy late, wrong or not sent to RTA6 of 93
Didn’t upload my motor insurance to RTA so can’t renew my vehicle license
Read the Google reviews for each office
Liva Insurance car insurance
Liva sells three car insurance levels: Motor Value (third party), Motor Smart (comprehensive) and Motor Executive (comprehensive with the extras built in). Tesla owners buy through a separate InsureMyTesla platform.
| Plan | Type | What it is |
|---|---|---|
| Motor Executive | Comprehensive | Highest level. The policy wording and website give a property damage limit of AED 5,000,000. The key facts table says AED 3,500,000. Check your policy schedule. Agency repair, hire car, personal accident, GCC cover and breakdown recovery are built in.8 |
| Motor Smart | Comprehensive | Comprehensive cover with a property damage limit of AED 3,500,000. Agency repair, hire car, personal accident, GCC cover and breakdown recovery are optional extras.8 |
| Motor Value | Third party | Third party cover with a property damage limit of AED 3,500,000. It includes Oman and ambulance cost up to AED 6,770. Fire and theft cover is optional.9 |
| InsureMyTesla | Other | Cover for Tesla owners with battery, charging equipment and overvoltage cover. It is bought on a Beloy platform with Petra Insurance Brokers, in partnership with Liva.7 |
| Liva Now | Other | Online renewal portal linked to Salik. Salik sends reminders to drivers who opt in, with a link to the portal.13 |
| Motor Fleet | Other | Cover for fleets of private or commercial vehicles. Businesses ask for a quote through a contact form.24 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Optional extra | Included on Executive and optional on Smart in the policy wording. Not on Value. The how-to-claim page says Smart policyholders go to approved garages. Cars bought outside UAE authorised dealers go to an approved garage instead.8 |
| Age limit for agency repair | Depends on plan | The policy wording says up to 2 years from first registration as new, which Liva can extend to up to 5 years for an extra premium. Its benefits table shows 5 years on Executive. The car insurance page says up to 5 additional years. Check your policy schedule.8 |
| Approved garage repair | Included | Used on Smart and Executive when agency repair does not apply. Liva states a 6 month guarantee on mechanical work and 12 months on body and paint. In the first 2 years, choosing an approved garage waives the standard excess if the driver is over 25.8 |
| Roadside assistance | Optional extra | The policy wording and how-to-claim page say included on Executive and optional on Smart. The how-to-claim page says not available on Value, the Value booklet lists it as optional, and the car insurance page says all tiers include it. Check your policy schedule. Covers towing, battery boost, fuel delivery, lock out, flat tyre and one car registration service. Limited to 2 services a year. Sandy, desert, basement and mall car park pull-outs are excluded unless the schedule says otherwise.8 |
| Replacement or hire car | Optional extra | Included on Executive and optional on Smart. Up to 10 days after an accident, or until repairs finish if sooner, if a car is available. Liva may offer a cash allowance of up to AED 600 instead.8 |
| Personal accident cover, driver | Optional extra | AED 200,000. Included on Executive and optional on Smart. The Value booklet lists it as optional. The key facts table leaves it blank for Value.8 |
| Personal accident cover, passengers | Optional extra | AED 200,000 per person. Included on Executive and optional on Smart. The Value booklet lists it as optional. The key facts table leaves it blank for Value.8 |
| Personal injury cover | Included | AED 20,000 for you or your spouse on Smart and Executive. Does not apply when the personal accident benefit is covered.8 |
More cover details (19)
| Cover | With this insurer | Details |
|---|---|---|
| Oman cover | Included | Included on all three levels.10 |
| Orange Card for Oman | Depends on plan | Oman cover depends on getting an Orange Card before you travel. Liva says it can issue one.8 |
| GCC cover | Optional extra | Included on Executive and optional on Smart. Covers own damage in Oman, Bahrain, Saudi Arabia, Kuwait and Qatar, for private vehicles only. Each trip is limited to 60 days, with 90 days in any 12 months. Third party cover must be bought at each border except Oman.8 |
| Off-road cover | Depends on plan | Only if shown on your schedule. The car must be a private four wheel drive. Dune bashing, competitions and races are not covered.8 |
| Natural disaster and flood cover | Included | Included on Smart and Executive through the perils of nature cover. It lists flood, storm, rain, hail, sandstorm and earthquake. Value does not include it.8 |
| Windscreen | Included | Included on Smart and Executive, covering windows and glass sunroof too. The policy wording says that if it is the only claim, there is no standard excess and no effect on your no-claims discount. The how-to-claim page says multiple excesses may apply if more than one cover is used, giving own damage plus windscreen as an example.8 |
| No-claims discount | Included | Liva states discounts up to 50% and accepts certificates from UAE and international insurers. No-claims protection is included on Executive and optional on Smart. It needs no more than 2 claims and AED 50,000 paid in 3 years, and no at-fault claim by a driver under 25 or with a licence held under 1 year.7 |
| New car replacement | Included | If the car is a total loss after a covered event. Applies within 6 months of first registration on Smart and 12 months on Executive. You get the same model or the insured value, whichever is lower.8 |
| Excess | Depends on plan | Shown on your schedule. The policy caps the standard excess for private cars at AED 350 to AED 1,400 per accident, depending on car value. There is no standard excess for theft, fire or windscreen claims.8 |
| Young driver terms | Depends on plan | Liva can add an excess of up to 10% of the compensation if the driver is under 25 and caused the accident.8 |
| Other drivers | Depends on plan | Others can drive your car with your consent if they are over 25 and have held a licence for more than a year.7 |
| 24-hour claims line | Depends on plan | The claims line 800 774 runs Monday to Saturday, 09:00 to 17:00. The roadside line 600 544060 runs 24 hours.5 |
| Third party limits | Included | Bodily injury is unlimited on all levels. Property damage is AED 3,500,000 on Value and Smart. On Executive the policy wording and website say AED 5,000,000 and the key facts table says AED 3,500,000. Check your policy schedule.8 |
| Medical and ambulance costs | Included | Ambulance up to AED 6,770 on all levels. Emergency medical expenses per person up to AED 3,500 on Smart and AED 6,000 on Executive, if treatment starts within 24 hours.8 |
| Personal items, locks and taxi | Included | Smart and Executive respectively: personal items AED 5,000 and AED 7,500, replacement locks AED 5,000 and AED 7,500, taxi fares AED 300 and AED 500. Emergency repairs AED 1,000 on both.8 |
| Valet and garage parking | Included | Smart and Executive cover damage while a garage or valet has the car. The standard excess applies and it affects your no-claims discount.8 |
| Driving another car | Depends on plan | Smart and Executive give third party cover only when you or your spouse drive another private car with the owner's consent. You must be 25 or older.8 |
| Car age limit | Depends on plan | Comprehensive cover is available for cars up to 7 years old. Older cars are reviewed case by case by the motor team.8 |
| Electric cars | Depends on plan | Teslas are insured through InsureMyTesla. Owners of other electric cars call 800 772 for a quote.7 |
Check before you buy
- Total loss: a car is a total loss when repairs exceed 50% of its value. The policy wording pays the insured value less 20% depreciation, adjusted for time on cover. The car insurance page lists Agreed Value Cover, which it says pays up to the sum insured with no depreciation. Check your policy schedule.8
- The base own damage section excludes natural disasters. You need the perils of nature cover in Smart or Executive.8
- Off-road damage is excluded unless a rider extends cover.8
- Damage outside the policy territory is excluded unless a rider extends cover.8
- Tyre damage is excluded unless the car is damaged at the same time.8
- Accidents with an unlicensed driver are excluded. A driver with an expired licence is covered only if it is renewed within 30 days of the accident.8
- Accidents while driving under the influence of alcohol or drugs are excluded.8
- Racing or speed tests are excluded where they are the direct cause of the accident.8
- Non-GCC, imported or modified vehicles are excluded unless declared in the policy.10
- Trailers are not covered as standard. Call 800 772 to ask about an extension.7
Policy documents
- Liva Motor Comprehensive Policy WordingPolicy wording, 2024
- Liva Motor Comprehensive Policy Wording, ArabicPolicy wording, 2024
- Liva Motor Third Party Liability Policy WordingPolicy wording, 2022
- Liva Third Party Liability Policy Wording, ArabicPolicy wording
- KFD MotorKey facts
- Motor Claim FormClaim form
How to claim with Liva Insurance
- Claims phone800 774
- Roadside help600 544060
- Claims emailclaims.ae@livainsurance.com
- Claim onlineOpen claim page
24 hours, 7 days a week, in the UAE and Oman. Not available in other GCC countries. The contact and claim pages give 600 544060. Liva's FAQ page also gives 800 462 372 for IMC in Dubai and +971 4 387 6608 from Oman.7
Steps
- Move to a safe place if you can and call the police. Dial 999 for emergencies or 901 for non-emergencies in Dubai.4
- Photograph the vehicles, damage and scene, and exchange details with the other driver.4
- Contact Liva claims by phone, email or the online claim form.4
- Check that all damage appears in the police report sketch, because garages only repair damage listed there.8
- Take the car to the garage or agency Liva confirms. Liva tows it if your policy has recovery cover.8
- Pay any excess to the garage when you collect the car.4
- Liva aims to approve motor claims within one working day once all documents are in. Complex claims can take longer.4
- Liva's engineers may inspect the car to agree the repair cost, which the policy says should happen within two working days.8
Not happy with a claim? Complain to Liva Insurance at complaints.ae@livainsurance.com first. How to take a complaint to Sanadak.
About Liva Insurance
- Legal name
- LIVA Insurance B.S.C. (c)
- Type
- Conventional insurer. The Central Bank register lists it as a foreign insurance company, not a takaful company.2
- Owner
- Fully owned by Liva Group SAOG of Oman. At 31 December 2025 the group's largest shareholders were OMINVEST with 48.86% and Riyad Bank with 14.35%.18
- Listed on
- The UAE company is not listed itself. Its parent, Liva Group SAOG, is listed on the Muscat Stock Exchange.18
- Headquarters
- Company registered in Bahrain. UAE head office at Burj Al Salam, Sheikh Zayed Road, Dubai.5
- UAE branches
- 3 offices: Dubai, Abu Dhabi and Sharjah5
- Also sells
- Health, Home, Travel, Personal accident, Golf, Business7
- Previous name
- Royal & Sun Alliance Insurance (Middle East) Limited B.S.C. (c), known as RSA Middle East, until 202317
- Central Bank
- Listed in the CBUAE register, September 2026, number 651
Financial strength
AM Best rates Liva A- but its outlook is negative, which it links to underwriting results below its expectations. The UAE business made a loss in 2024, a year of GCC floods, and a profit in 2025.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| AM Best | A- (Excellent), Negative15 | UAE company | 12 Feb 2026 |
Recent news
- Liva Group nine-month profit falls
The group reported net income of OMR 8.79 million for the nine months to September 2026, against OMR 13.39 million a year earlier.21
- Liva names a new UAE chief executive
The group's first-half 2026 report lists Addal Sarwar as Chief Executive Officer for the UAE.19
- AM Best affirms A- with a negative outlook
The rating covers Liva Insurance B.S.C. (c) and Liva Insurance SAOC.15
- Liva Group appoints a new group chief executive
David Healy succeeds Martin Rueegg, subject to regulatory approval.23
- Salik reports 1.3 million drivers reached with Liva
The release says the renewal service reached more than 1.3 million drivers in its first year.13
Contact Liva Insurance
- Phone+971 4 302 9800
- Toll free800 772
- Emailinsurance.ae@livainsurance.com
- HoursSales line: Monday to Saturday, 08:00 to 20:00. Offices: Monday to Friday, 08:00 to 17:00.
- Head office38th Floor, Burj Al Salam No 2, Sheikh Zayed Road, P.O. Box 28648, Dubai
Branches (3)
| Branch | Address | Phone |
|---|---|---|
| Dubai head office | 38th Floor, Burj Al Salam No 2, Sheikh Zayed Road, P.O. Box 28648, Dubai | +971 4 302 9800 |
| Abu Dhabi office | 1st Floor, Dhafir Tower, Fatima Bint Mubarak Street, Electra - Najda Intersection, P.O. Box 646, Abu Dhabi. The motor policy wording gives Tamouh Tower, Al Reem Island, office 3105, and the contact page map link also points to Tamouh Tower. | +971 2 882 3171 |
| Sharjah office | Office No. 603, Tower C, CG Mall, King Faisal Road, P.O. Box 3761, Sharjah | +971 6 504 8800 |
Common questions
Is Liva Insurance the same as RSA?
Yes. Liva says it was formerly RSA Middle East in the UAE and that existing RSA policies stayed unchanged.7
Who owns Liva Insurance?
Liva Group SAOG of Oman owns all of it. The group is listed on the Muscat Stock Exchange.18
Does Liva car insurance cover floods?
Motor Smart and Motor Executive include perils of nature cover. Motor Value does not include it.10
How long does Liva give agency repair?
The policy wording says up to 2 years from first registration as new, extendable to up to 5 years for an extra premium. The car insurance page says up to 5 additional years, so check your policy schedule.8
Does Liva cover my car in Oman?
Yes, all three levels include Oman. You need an Orange Card before you travel.8
How do I make a Liva car insurance claim?
Call 800 774, email claims.ae@livainsurance.com or use the online form. You need the police report, driving licence, registration card and Emirates ID.8
What is the Liva roadside assistance number?
Liva's contact and claim pages give 600 544060, open 24 hours, for the UAE and Oman. Its FAQ page also gives 800 462 372 for IMC in Dubai and +971 4 387 6608 from Oman.7
Sources
29
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Central Bank of the UAE, CB Register September of 2026. Last checked 5 Nov 2026. Source document: CB Register September of 2026
3Liva Insurance UAE, Car insurance page. Last checked 5 Nov 2026. Source document: Car insurance page
4Liva Insurance UAE, How to make a claim. Last checked 5 Nov 2026. Source document: How to make a claim
5Liva Insurance UAE, Contact us. Last checked 5 Nov 2026. Source document: Contact us
6Liva Insurance UAE, Complaints and grievances. Last checked 5 Nov 2026. Source document: Complaints and grievances
7Liva Insurance UAE, Frequently asked questions. Last checked 5 Nov 2026. Source document: Frequently asked questions
8Liva Insurance UAE, Motor Insurance Policy Booklet, wording of 29 April 2024. Last checked 5 Nov 2026. Source document: Motor Insurance Policy Booklet, wording of 29 April 2024
9Liva Insurance UAE, Motor Third Party Liability Insurance Policy Booklet. Last checked 5 Nov 2026. Source document: Motor Third Party Liability Insurance Policy Booklet
10Liva Insurance UAE, Key facts document, motor. Last checked 5 Nov 2026. Source document: Key facts document, motor
11Liva Insurance UAE, Motor policy wording documents. Last checked 5 Nov 2026. Source document: Motor policy wording documents
12Liva Insurance UAE, UAE: Insurance firms RSA Middle East and NLGIC to rebrand as Liva, 8 December 2023. Last checked 5 Nov 2026. Source document: UAE: Insurance firms RSA Middle East and NLGIC to rebrand as Liva, 8 December 2023
13Liva Insurance UAE, Salik and Liva press release, 5 December 2025. Last checked 5 Nov 2026. Source document: Salik and Liva press release, 5 December 2025
14Liva Insurance UAE, Salik Partners with Liva, 14 November 2024. Last checked 5 Nov 2026. Source document: Salik Partners with Liva, 14 November 2024
15AM Best, AM Best Affirms Credit Ratings of Liva Insurance B.S.C. (c) and Liva Insurance SAOC, 12 February 2026. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Liva Insurance B.S.C. (c) and Liva Insurance SAOC, 12 February 2026
16AM Best, AM Best Assigns Credit Ratings to Liva Insurance B.S.C. (c) and Liva Insurance SAOC; Withdraws Credit Ratings of Liva Group SAOG, 7 February 2025. Last checked 5 Nov 2026. Source document: AM Best Assigns Credit Ratings to Liva Insurance B.S.C. (c) and Liva Insurance SAOC; Withdraws Credit Ratings of Liva Group SAOG, 7 February 2025
17AM Best, AM Best Revises Outlooks to Negative for Liva Group SAOG, 13 September 2024. Last checked 5 Nov 2026. Source document: AM Best Revises Outlooks to Negative for Liva Group SAOG, 13 September 2024
18Liva Group SAOG, Annual Report 2025. Last checked 5 Nov 2026. Source document: Annual Report 2025
19Liva Group SAOG, Interim financial statements, six months ended 30 June 2026. Last checked 5 Nov 2026. Source document: Interim financial statements, six months ended 30 June 2026
20Liva Group SAOG, Interim financial statements, three months ended 31 March 2026. Last checked 5 Nov 2026. Source document: Interim financial statements, three months ended 31 March 2026
21MarketScreener, Liva Group SAOG Reports Earnings Results for the Nine Months Ended September 30, 2026. Last checked 5 Nov 2026. Source document: Liva Group SAOG Reports Earnings Results for the Nine Months Ended September 30, 2026
22Liva Group, Liva Strengthens Strategic Partnership with Beloy and Petra Insurance, 25 November 2025. Last checked 5 Nov 2026. Source document: Liva Strengthens Strategic Partnership with Beloy and Petra Insurance, 25 November 2025
23Liva Group, Liva Group Strengthens Executive Leadership with Two Key Appointments, 7 January 2026. Last checked 5 Nov 2026. Source document: Liva Group Strengthens Executive Leadership with Two Key Appointments, 7 January 2026
24Liva Insurance UAE, Motor Fleet. Last checked 5 Nov 2026. Source document: Motor Fleet
25Apple App Store, Liva UAE app listing, read through ReefAPI. Last checked 5 Nov 2026. Source document: Liva UAE app listing, read through ReefAPI
26Google Play, Liva UAE app listing, read through ReefAPI. Last checked 5 Nov 2026. Source document: Liva UAE app listing, read through ReefAPI
27Trustpilot, Livainsurance profile, read through ReefAPI. Last checked 5 Nov 2026. Source document: Livainsurance profile, read through ReefAPI
28RSA Insurance, RSA to sell shareholding in RSA Middle East to National Life & General Insurance Company, 4 April 2022. Last checked 5 Nov 2026. Source document: RSA to sell shareholding in RSA Middle East to National Life & General Insurance Company, 4 April 2022
29Liva Insurance UAE, Documents. Last checked 5 Nov 2026. Source document: Documents
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published