Ford Focus car insurance in the UAE
What to check for your Focus, what insurers’ policies say and what a claim could cost you. No quote needed.
Choose your model year to tailor this page. Everything below works without it.
What to know before you insure your Focus
| Your question | The answer | What to do |
|---|---|---|
| Has your Focus been recalled? | It could have been. 2011 to 2016 models were recalled to replace all door latches, in a UAE recall of 10 February 2023. | Ask your dealer whether the latches were replaced on your car. |
| Is your Focus an ST? | On 2018 cars, the ST has a 2.0L turbo, 250 HP and a 6-speed manual. Other versions have a 1.5L turbo, 150 HP and a dual-clutch automatic. | Tell your insurer whether your car is an ST. |
| What is the newest UAE Focus? | The 2018 model is the last one shown for the UAE. The 2019 Focus was not sold here, and Al Tayer Motors does not show the Focus among its new cars. | Check your policy shows the right model year. |
| Is your car getting older? | Liva offers comprehensive cover up to 7 years of age, subject to approval, and refers older cars to its motor team. Al Wathba lists cover for damage to your own car up to 10 years. | Check the age limit before you renew. |
| Want the dealer to do your repairs? | This is called agency repair, and it depends on your car’s age. Al Wathba limits it to cars up to two years old, Al Sagr and Orient Motor Plus to three. After year three, it is up to your insurer and an extra premium. | Ask how many years your policy includes it. |
| Would a flood be covered? | Not under standard terms, which exclude natural disasters. Some insurers add flood or storm cover. | Check your policy names flood and storm. |
Sources for these answers
Recall of Ford Focus, vehicles, Model Year 2011-2016, Replacement of all door latches
Engine Size 2.0 L
Horsepower 250 HP
Transmission 6M
Engine Size 1.5TC I4
Horsepower 150 HP
mated to a 6-speed dual-clutch automatic transmission
Not Sold Here
New Ford Models
The comprehensive cover is available for vehicles up to the age of 7 years subject to Liva approval. Vehicles over 7 years need to be referred to Our motor team who will review each case
Own Damage Cover up to 10 Years
All brand new cars are repaired at the authorised agency or dealership in case of accident, provided the vehicle is no more than two years old.
Agency Repair – up to 3 years from the vehicle registration date at a manufacturer authorized dealer
Repairs at dealer/agency workshop in the first 3 years of the vehicle
In the case of the Insured wishes at the time of concluding the contract to repair the motor vehicle inside the Agency workshops after the lapse of the first three years of using the motor vehicle on the road, the Insurance Company may respond to the request and the determine an appropriate premium not exceeding the maximum tariff limit.
The accidents that have occurred, caused, resulted or are related directly or indirectly to natural disasters such as floods, tornados, hurricanes, volcanoes, earthquakes and quakes.
Any general phenomenon that arises from nature such as floods, tornados, hurricanes, volcanoes, earthquakes and quakes, and leads to extensive and widespread damage, and in respect of which a decision is issued by the concerned authority in the country.
Your Focus checklist
Tell us how you use it. We’ll list what to ask your insurer or broker.
Your checklist (7)
Checklist updated. 7 items.
Ask your insurer
Does the use on my application match how I use my Focus?
Source
Use of the Motor Vehicle for purposes other than those mentioned in the Insurance Application attached to this Policy.
The Unified Motor Vehicle Insurance Policy Against Loss and Damage | Model/Use | Private | Commercial | Rental | Driving Education | Other |
The Unified Motor Vehicle Insurance Policy Against Loss and Damage Will you offer comprehensive cover at my Focus’s age, and on what repair terms?
Liva refers vehicles over 7 years to its motor team, and agency repair after the first three years is by agreement.
Source
The comprehensive cover is available for vehicles up to the age of 7 years subject to Liva approval. Vehicles over 7 years need to be referred to Our motor team who will review each case
Liva Motor Comprehensive Policy WordingPage 6 In the case of the Insured wishes at the time of concluding the contract to repair the motor vehicle inside the Agency workshops after the lapse of the first three years of using the motor vehicle on the road, the Insurance Company may respond to the request and the determine an appropriate premium not exceeding the maximum tariff limit.
The Unified Motor Vehicle Insurance Policy Against Loss and Damage
Look for in your policy
Find your excess, and any extra excess that can be added.
Source
The Insurer may charge the Insured that has caused the accident with a deductible amount to be deducted from the due amount of compensation due with respect to any accident which is caused by them personally or by the person authorized by them to drive the Motor Vehicle or cases that are deemed committed by an unknown person, according to Schedule (3)
The Unified Motor Vehicle Insurance Policy Against Loss and Damage 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:
The Unified Motor Vehicle Insurance Policy Against Loss and Damage Check what you pay towards new parts as the vehicle gets older.
Source
If the Insured requests that new original parts are to be installed in lieu of the parts damaged during the accident or are to be paid for in cash, the Insured will bear the Depreciation Percentage set in Schedule (1) of the final value of the purchase invoice.
The Unified Motor Vehicle Insurance Policy Against Loss and Damage Depreciation Percentages, Except for Taxi Vehicles, Public Transport Vehicles and Rental Vehicles, According to the Date of First Registration and Use
The Unified Motor Vehicle Insurance Policy Against Loss and Damage Check the insured value, and what happens if the vehicle is written off.
Source
If the Insured Motor Vehicle is lost, proves to be irreparable, or that costs of repair exceed 50% of the Motor Vehicle value before the accident, the insured value of the Motor Vehicle agreed upon between the Insurer and the Insured on signing of the Insurance Policy will be the basis of calculation of the compensation
The Unified Motor Vehicle Insurance Policy Against Loss and Damage after deduction of the Depreciation Percentage of 20% from the insured value, and taking into account the fraction of insurance period
The Unified Motor Vehicle Insurance Policy Against Loss and Damage
Have ready
Registration card (Mulkiya), driving licence and your current policy.
First registration date. It can differ from the model year.
What each insurer’s policy says
Choose a topic to compare. Open a row to read the exact wording.
| Insurer | Status | What it says | Wording |
|---|---|---|---|
| GIG GulfGIG Third Party | Not clear | Not clear from this policy. | |
| GIG GulfMotor Perfect (comprehensive) | Optional extra | UAE dealer repairs. After 3 years, only by request when you buy. | |
| GIG GulfMotor Prestige (comprehensive) | Conditions apply | Only if on your policy. After 3 years, only by request when you buy. | |
| LivaMotor Executive | Conditions apply | Two periods printed, 5 years and 2 years: ask the insurer. | |
| LivaMotor Smart | Optional extra | 2 years from new. Up to 5 if Liva agrees, at extra cost. | |
| QICPrestige Plus Agency, Prestige Plus Non-Agency | Conditions apply | Only if on your policy. Vehicle must be GCC specification. | |
| RAKINSURANCEMotor Full Option (Comprehensive) | Conditions apply | Only if on your policy. Two time limits printed: ask the insurer. | |
| SukoonDrive Easy (comprehensive), Privilege Motor | Conditions apply | Only if on your policy, or automatic up to 12 months old. | |
| SukoonMotor Third Party Liability | Not clear | Not clear from this policy. | |
| Watania TakafulTakaful Certificate - Motor | Optional extra | UAE dealer repairs, no depreciation on parts. After 3 years, only if Watania agrees. |
Listed by name, not ranked. This does not confirm an insurer will accept your vehicle.
What you’d pay on a claim
Enter your own numbers to see how a repair bill splits.
- You pay
- AED 1,000
- Rest of the bill
- AED 7,000
Example only. Real claims depend on your policy and the insurer accepting the claim.
Focus models in the UAE
| Trim | Body | Engine | Power | Drivetrain | Gearbox | New price |
|---|---|---|---|---|---|---|
| Ambiente | Not stated | 1.5L petrol | 150 HP | FWD | 6-speed dual-clutch automatic | From AED 75,000 |
| Station wagon | Station wagon | 1.5L petrol | 150 HP | FWD | 6-speed dual-clutch automatic | From AED 78,000 |
| Trend | Not stated | 1.5L petrol | 150 HP | FWD | 6-speed dual-clutch automatic | From AED 80,000 |
| Sport | Not stated | 1.5L petrol | 150 HP | FWD | 6-speed dual-clutch automatic | From AED 95,000 |
| Titanium | Not stated | 1.5L petrol | 150 HP | FWD | 6-speed dual-clutch automatic | From AED 99,000 |
| ST | Not stated | 2L petrol | 250 HP | FWD | 6-speed manual | From AED 99,000 |
New price is the Ford list price at the time, not an insurance premium or your vehicle’s value.
Common questions
Can I get comprehensive cover on an older Focus?
It depends on the insurer. Liva refers vehicles over 7 years to its motor team, and Al Wathba lists own damage cover up to 10 years. Ask before you renew.
Source
The comprehensive cover is available for vehicles up to the age of 7 years subject to Liva approval. Vehicles over 7 years need to be referred to Our motor team who will review each case
Own Damage Cover up to 10 Years
Does insurance cover flood damage to a Focus?
Standard terms exclude natural disasters, which depend on a decision by the authorities. Some insurers add flood or storm cover, so check your policy names them.
Source
The accidents that have occurred, caused, resulted or are related directly or indirectly to natural disasters such as floods, tornados, hurricanes, volcanoes, earthquakes and quakes.
Any general phenomenon that arises from nature such as floods, tornados, hurricanes, volcanoes, earthquakes and quakes, and leads to extensive and widespread damage, and in respect of which a decision is issued by the concerned authority in the country.
These forms may not be amended or altered unless such amendment is in favor of the insured or beneficiary.
Can I choose agency repair for my Focus?
It depends on your policy and on the age of the vehicle. Ask when you buy the policy, and compare what each insurer says above.
Source
In the case of the Insured wishes at the time of concluding the contract to repair the motor vehicle inside the Agency workshops after the lapse of the first three years of using the motor vehicle on the road, the Insurance Company may respond to the request and the determine an appropriate premium not exceeding the maximum tariff limit.
What happens if my Focus is modified?
Tell your insurer about every change. If you cause an accident, an extra excess of up to 15% can apply, or up to 20% for changes made outside the factory. Not declaring changes can let an insurer reclaim what it paid.
Source
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:
Maximum 15% of the amount of compensation of sports cars and modified vehicles.
Maximum 20% of the amount of compensation of vehicles modified outside the factory.
If it is proven that the insurance was concluded based upon the Insured's misrepresentation and non-disclosure of material facts that affect the acceptance by the Company to cover the risks or insurance rate.
Can someone else drive my Focus?
They need a valid licence for the vehicle. If a driver under 25 causes an accident, an extra excess of up to 10% can apply. Check who your policy allows.
Source
The insured or any person who drives the Motor Vehicle by the permission or order of the Insured, provided that they are licensed to drive according to the Motor Vehicle category pursuant to the Traffic Laws and other laws and regulations
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:
Maximum 10% of the amount of compensation if the Motor Vehicle Driver is below the age of 25 years.
Am I covered in Oman in a UAE-registered Focus?
Not automatically. Cover normally stops at the UAE border, and damage to your own vehicle and third party cover are arranged separately. Insurers handle this differently, so ask before you travel.
Source
Loss or damage that occurs to the Motor Vehicle outside the geographical territory set out in this Policy, unless a rider is issued to extend coverage to this territory.
This Policy does not apply outside the State.
Extension of a third party liability insurance policy to Arab countries may only be accepted under the Orange Card, and this applies to all non-UAE motor vehicles coming into or crossing in the State.
More for Focus owners
Recalls and accidents
- Recall of Ford Focus, replacement of all door latches10 February 2023
Source
Recall of Ford Focus, vehicles, Model Year 2011-2016, Replacement of all door latches
Automotive and Spare Parts: Product and Service Recalls Announced
Similar vehicles
Guides
General information, not a quote or advice. Your own policy documents decide what applies. Last checked 5 November 2026. Report an error.