Toyota Hiace car insurance in the UAE
What to check for your Hiace, 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 Hiace
| Your question | The answer | What to do |
|---|---|---|
| How many seats does your Hiace have? | 3 in the 2026 panel van and 13 in the commuter. The body decides whether your Hiace carries goods or passengers. | Tell your insurer which body you have. |
| What is a new Hiace worth? | A new 2026 Hiace costs from AED 99,900 for the 2.7L GL to AED 166,900 for the 3.5L high roof freezer, including VAT. The value on your policy depends on the version. | Keep your invoice to hand when you ask for cover. |
| Does a freezer body change your Hiace's price? | Yes. A 2026 2.7L standard roof freezer costs AED 132,900, against AED 99,900 for the 2.7L GL. The price varies with the body fitted. | Mention any body fitted to your van when you ask for cover. |
| 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
SEATING CAPACITY 3
SEATING CAPACITY 13
2026 HIACE 2.7L HIGH ROOF PANEL VAN
2026 HIACE COMMUTER - PETROL
RETAIL SALES PRICE (AED) 99,900
RETAIL SALES PRICE (AED) 166,900 153,900 148,900
Prices are inclusive of VAT.
RETAIL SALES PRICE (AED) 132,900 118,900 114,900
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 Hiace checklist
Tell us how you use it. We’ll list what to ask your insurer or broker.
Your checklist (6)
Checklist updated. 6 items.
Ask your insurer
Is my Hiace insured as private or commercial, and does that match my registration card?
Source
| Type of vehicle | Minimum (Insurance Period 13 months) (AED) | Maximum (Insurance Period 13 months) (AED) |
Table (1), Tariffs of Third Party Liability Insurance Policy | Four-wheel drive- private | 4 cylinders | 1.000 | 1.750 |
Table (1), Tariffs of Third Party Liability Insurance Policy | Pickup & Truck | Up to 1 ton | 1.000 | 1.750 |
Table (1), Tariffs of Third Party Liability Insurance Policy
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.
Hiace models in the UAE
| Trim | Body | Engine | Power | Drivetrain | Gearbox | New price |
|---|---|---|---|---|---|---|
| 2.7L GL | Standard roof van | 2.7L | 149 HP | Not stated | 5-speed manual | AED 99,900 |
| 2.7L Standard Roof FREEZER | Standard roof insulated body | 2.7L | 149 HP | Not stated | 5-speed manual | AED 132,900 |
| 2.7L Standard Roof CHILLER | Standard roof insulated body | 2.7L | 149 HP | Not stated | 5-speed manual | AED 118,900 |
| 2.7L Standard Roof AMBIENT | Standard roof insulated body | 2.7L | 149 HP | Not stated | 5-speed manual | AED 114,900 |
| 2.7L GLS | High roof panel van | 2.7L | 149 HP | Not stated | 5-speed manual | AED 114,900 |
| 2.7L High Roof FREEZER | High roof insulated body | 2.7L | 149 HP | Not stated | 5-speed manual | AED 149,900 |
| 2.7L High Roof CHILLER | High roof insulated body | 2.7L | 149 HP | Not stated | 5-speed manual | AED 137,900 |
| 2.7L High Roof AMBIENT | High roof insulated body | 2.7L | 149 HP | Not stated | 5-speed manual | AED 133,900 |
| 3.5L GL manual | Standard roof van | 3.5L | 277.6 HP | RWD | 6-speed manual | AED 110,900 |
| 3.5L Standard Roof FREEZER | Standard roof insulated body | 3.5L | 277.6 HP | RWD | 6-speed manual | AED 143,900 |
| 3.5L Standard Roof CHILLER | Standard roof insulated body | 3.5L | 277.6 HP | RWD | 6-speed manual | AED 130,900 |
| 3.5L Standard Roof AMBIENT | Standard roof insulated body | 3.5L | 277.6 HP | RWD | 6-speed manual | AED 125,900 |
| 3.5L GL automatic | Standard roof van | 3.5L | 277.6 HP | RWD | 6-speed automatic | AED 116,900 |
| 3.5L GLS | High roof panel van | 3.5L | 277.6 HP | RWD | 6-speed manual | AED 131,900 |
| 3.5L High Roof FREEZER | High roof insulated body | 3.5L | 277.6 HP | RWD | 6-speed manual | AED 166,900 |
| 3.5L High Roof CHILLER | High roof insulated body | 3.5L | 277.6 HP | RWD | 6-speed manual | AED 153,900 |
| 3.5L High Roof AMBIENT | High roof insulated body | 3.5L | 277.6 HP | RWD | 6-speed manual | AED 148,900 |
| 3.5L GLS (August 2025 page) | High roof panel van | 3.5L | 277.6 HP | RWD | 6-speed manual | AED 133,900 |
| Commuter 3.5L GL | Commuter | 3.5L petrol | 277.6 HP | RWD | 6-speed manual | AED 144,900 |
| Commuter 3.5L GL automatic | Commuter | 3.5L petrol | 277.6 HP | RWD | 6-speed automatic | AED 150,900 |
| Commuter 2.8L DLS manual | Commuter | 2.8L diesel | 174.3 HP | RWD | 6-speed manual | AED 157,900 |
| Commuter 2.8L automatic | Commuter | 2.8L diesel | 174.3 HP | RWD | 6-speed automatic | AED 163,900 |
New price is the Toyota list price at the time, not an insurance premium or your vehicle’s value.
Common questions
Is a Hiace insured as a private or a commercial vehicle?
It depends on how your vehicle is registered and used, not on the model. Tell your insurer exactly how you use it, because damage from use you did not declare is excluded.
Source
Use of the Motor Vehicle for purposes other than those mentioned in the Insurance Application attached to this Policy.
| Model/Use | Private | Commercial | Rental | Driving Education | Other |
Does insurance cover flood damage to a Hiace?
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 Hiace?
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 Hiace 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 Hiace?
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 Hiace?
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 Hiace owners
Recalls and accidents
We found no official UAE recall notice for the Hiace. That does not mean yours is clear, so ask a Toyota service centre.
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.