Tesla cars have no cylinder row in the UAE third party tariff

The tariff and the two unified policies do not name Tesla. What differs for an electric car is the cylinder keying of Table 1, the renewal reduction in Art 2(6), and silence on batteries. Schedule 5 of the Loss and Damage policy records make and model among the vehicle details.¹ The same text applies to any electric car, as the EV insurance guide sets out.

Table 1 has no row for electric vehicles

Table 1 of the tariff sets the third party premium. Its private and commercial car rows are keyed to cylinders, and its pickup and truck rows to tonnage.²

The tariff does not say which row applies to any Tesla. Ask your insurer how it places an electric car in this table.

Table 2 sets the combined premium by body type, not by cylinders: Salon, minimum AED 1,300 and maximum rate 5%. Four-wheel drive, minimum AED 2,000 and maximum rate 7%.² These are regulated bands, not prices. Which row applies to a given Tesla is not stated.

The Rulebook labels this text version 2, consolidated 1 January 2018, and also lists an amendment by Resolution No. (17) of 2020.²

Art 2(6) allows a reduction of up to 25% at renewal

The company may grant a reduction for vehicles running on gas or electricity at renewal, of not more than 25% of the premium, taking into account accidents caused by the vehicle that led to claims. Where more than one reason for reduction applies, only the highest rate applies. Art 2(7) applies this to both third party and loss and damage insurance.² Decision 41 of 2017 added both paragraphs from 1 January 2018.³

The wording is “may”. The reduction is permitted, not automatic.

ADNIC wrote on 22 June 2026 that electric car insurance in the UAE can cost more because repair costs can be higher.⁴ Executives at Policybazaar and Salama put EV premiums about 10% to 35% above comparable petrol cars, Al Khaleej reported on 25 October 2026.⁵

The unified policies do not mention batteries

Neither unified policy contains the word battery or hybrid.^1,6 Silence is not an exclusion, and it says nothing about any insurer’s schedule.

Two Loss and Damage clauses deal with breakdown and devices:

• Chapter Two para 1 compensates loss or damage arising from, among other causes, an unexpected mechanical breakdown or wear and tear of parts by use.¹
• Chapter Four exclusion 01 removes indirect losses and devaluation resulting from use, breakdown, defect or breakage of the mechanical or electrical devices. It is the only use of “electrical” in the policy.¹

The policy does not say whether gradual loss of battery capacity counts as devaluation under exclusion 01. Ask your insurer.

Three insurer and broker sources address batteries:

• ADNIC wrote that EV-specific cover usually needs to address battery protection, charging equipment, and electrical and software issues.⁴
• In Sukoon’s motor wording, print code 11/2024, “battery” appears only in roadside battery boost terms, and no new battery is provided under that service. The wording does not use the term “electric vehicle”.⁷
• eSanad tells buyers to get written confirmation of how a policy treats the high-voltage battery.⁸

The Sukoon wording, the GIG Gulf product page⁹ and the ADNIC article contain no EV-specific policy wording.

Dimensions come from the en_ae owner’s manuals

The figures above and the drawings below come from the en_ae editions of Tesla’s manuals, as of 4 November 2026. An en_ae manual does not show that a model or variant is on sale in the UAE. The drawings say nothing about cover.

Other vehicle facts are on the vehicles page. The cover explorer shows cover topics by document.