Tesla Model 3 car insurance in the UAE
What to check for your Model 3, 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 Model 3
| Your question | The answer | What to do |
|---|---|---|
| What is a new Model 3 worth? | A new Model 3 costs from AED 144,990 for the Rear-Wheel Drive to AED 214,990 for the Performance. The value on your policy depends on the version. | Have your invoice ready when you ask for cover. |
| Which wheels drive your Model 3? | It depends on the version. The Rear-Wheel Drive and Premium Long Range Rear-Wheel Drive use the rear wheels. The Premium Long Range All-Wheel Drive and Performance are dual motor all-wheel drive. | Tell your insurer which version you have. |
| How long is your Model 3 battery covered? | The battery and drive unit warranty runs 8 years or 160,000 km, whichever comes first, on the Rear-Wheel Drive. The other versions get 8 years or 192,000 km. | Check your policy for what it says about the battery. |
| Is your Tesla battery covered? | InsureMyTesla’s Liva wording covers it on cars up to 5 years old, capped at 30% of the insured value or AED 80,000. Gradual ageing and wear are excluded. | Check the cap and your car’s age before you rely on it. |
| Is your wallbox or cable covered? | The same wording insures a fitted wallbox up to AED 10,000 and a stolen charging cable up to AED 2,500. | Report a stolen cable to the police, because the cover needs a report. |
| Planning to drive off-road? | Damage off the road is excluded unless your policy adds it. Comprehensive policies that add off-road cover ask for four-wheel or all-wheel drive. | Ask for off-road cover before you go, and check your car qualifies. |
Sources for these answers
"long_name":"Model 3 Rear-Wheel Drive","long_description":"Model 3 Rear-Wheel Drive","price":45000,"pricing":[{"type":"base","value":45000,"context":"AED"},{"type":"base_plus_trim","value":144990,"context":"AED"
"long_name":"Model 3 Performance Dual Motor All-Wheel Drive","long_description":"Model 3 Performance AWD","price":115000,"pricing":[{"type":"base","value":115000,"context":"AED"},{"type":"base_plus_trim","value":214990,"context":"AED"
572 km Acceleration 6.2 s 0-100 km/h Drive Rear-Wheel Drive
5.2 s 0-100 km/h Drive Rear-Wheel Drive
3.8 s 0-100 km/h Drive Dual Motor All-Wheel Drive
3.1 s 0-100 km/h Drive Dual Motor All-Wheel Drive
Battery & Drive Unit 8 years or 160,000 km, whichever comes first
Battery & Drive Unit 8 years or 192,000 km, whichever comes first
This cover will be available for vehicles which are up to 5 year old from the year of manufacture.
The maximum limit of liability under this add-on cover shall be restricted to 30% of the vehicle value given in the policy schedule subject to a maximum limit of AED 80,000.
Any claim resulting from degradation of performance over time due to gradual aging of the battery and from wear and tear.
The maximum limit of liability under this add-on cover shall be limited to AED 10,000.
The maximum limit of liability under this add-on cover shall be limited to AED 2,500
Your charging cable connected to the vehicle
Loss or damage that occurs to the Motor Vehicle off the road, as defined, unless a rider is issued extending coverage to drive outside the road.
a. Your car has four wheel drive capability
Vehicle/s are 4WD/AWD (4-Wheel Drive/All-Wheel Drive) capability.
Your Model 3 checklist
Tell us how you use it. We’ll list what to ask your insurer or broker.
Your checklist (10)
Checklist updated. 10 items.
Ask your insurer
Does the use on my application match how I use my Model 3?
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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 Is the battery covered, up to what amount, and until what age?
Battery cover varies by insurer. Liva’s wording limits it by age and caps the amount.
Source
Additionally, battery coverage may vary from one insurer to another, so it is important to read the fine print.
Electric and Hybrid Car Insurance in the UAE: Costs, Benefits, and Exemptions This cover will be available for vehicles which are up to 5 year old from the year of manufacture.
Motor Insurance Policy Wording, LivaGreen (InsureMyTesla copy)Page 26 The maximum limit of liability under this add-on cover shall be restricted to 30% of the vehicle value given in the policy schedule subject to a maximum limit of AED 80,000.
Motor Insurance Policy Wording, LivaGreen (InsureMyTesla copy)Page 26 Are my wallbox and charging cable covered?
Liva’s wording has separate limits for a wallbox and for a stolen cable.
Source
The maximum limit of liability under this add-on cover shall be limited to AED 10,000.
Motor Insurance Policy Wording, LivaGreen (InsureMyTesla copy)Page 25 The maximum limit of liability under this add-on cover shall be limited to AED 2,500
Motor Insurance Policy Wording, LivaGreen (InsureMyTesla copy)Page 25 Which garages will repair my Model 3, and are they approved for electric vehicles?
Not every repair shop is certified for electric vehicles.
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Not every repair shop in the UAE is certified to handle electric vehicles, which can complicate claims.
Electric and Hybrid Car Insurance in the UAE: Costs, Benefits, and Exemptions Currently, many EV repairs require manufacturer-approved service centers, limiting consumer choice and inflating prices.
Is electric vehicle insurance different from traditional motor insurance? Does roadside help cover a car that has run out of charge?
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Battery Boost Service* : If the Insured Vehicles battery fails, We will jump start the Insured Vehicle which will enable You to carry on with Your journey.
Motor Insurance Policy Wording, LivaGreen (InsureMyTesla copy)Page 30 Many insurers offer tailored plans that include coverage for battery damage, charging equipment, and even roadside assistance for out-of-charge situations.
Electric and Hybrid Car Insurance in the UAE: Costs, Benefits, and Exemptions
Look for in your policy
Find your excess, and any extra excess that can be added.
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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.
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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.
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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.
Model 3 models in the UAE
| Trim | Body | Engine | Power | Drivetrain | Gearbox | New price |
|---|---|---|---|---|---|---|
| Model 3 Rear-Wheel Drive | Sedan | electric, 60 kWh | 283 HP | RWD | 1A | AED 144,990 |
| Model 3 Premium Long Range Rear-Wheel Drive | Sedan | electric, 60 kWh | - | RWD | Not stated | AED 164,990 |
| Model 3 Premium Long Range All-Wheel Drive | Sedan | electric, 82 kWh | - | AWD | Not stated | AED 184,990 |
| Model 3 Performance Dual Motor All-Wheel Drive | Sedan | electric, 82 kWh | 460 HP | AWD | Not stated | AED 214,990 |
New price is the Tesla list price at the time, not an insurance premium or your vehicle’s value.
Common questions
Does Model 3 insurance cover off-road or desert driving?
Not automatically. Standard terms exclude damage off the road unless your policy adds it, and insurers set their own conditions, usually four-wheel drive. Check your policy documents.
Source
Loss or damage that occurs to the Motor Vehicle off the road, as defined, unless a rider is issued extending coverage to drive outside the road.
Coverage of the damages or risks which occur outside the roads.
Is the battery covered on Model 3 insurance?
It depends on the policy. GIG Gulf says battery cover varies by insurer. Liva’s InsureMyTesla wording covers it for cars up to 5 years old, up to a cap, and excludes gradual ageing and wear.
Source
Additionally, battery coverage may vary from one insurer to another, so it is important to read the fine print.
This cover will be available for vehicles which are up to 5 year old from the year of manufacture.
Any claim resulting from degradation of performance over time due to gradual aging of the battery and from wear and tear.
Does insurance cover flood damage to a Model 3?
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.
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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 Model 3?
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.
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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 Model 3 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.
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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 Model 3?
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.
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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 Model 3?
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.
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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 Model 3 owners
Recalls and accidents
- Model 3 Trunk Lid Harness Retrofit
Source
Model 3 Trunk Lid Harness Retrofit
Recall Information, Tesla Support UAE If your Tesla is included in a recall, service to address the issue will be provided for free regardless of age or mileage.
Recall Information, Tesla Support UAE - Model 3/Y Vehicle Firmware for Smoother Steering Recall
Source
Model 3/Y Vehicle Firmware for Smoother Steering Recall
Recall Information, Tesla Support UAE If your Tesla is included in a recall, service to address the issue will be provided for free regardless of age or mileage.
Recall Information, Tesla Support UAE
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.