Third-party cover is the legal minimum in the UAE. It pays for damage you cause to other people and their property, and nothing else. Comprehensive adds damage to your own vehicle.
When third-party is enough
If the car is old and its market value is low, the maths can favour third-party. Once the annual comprehensive premium approaches a meaningful share of what the car is worth, the extra cover buys you less.
Agency vs garage repair
Agency repair sends your car to the manufacturer dealership. It costs more and is normally only available for the first two to three years. Garage repair uses the insurer network.
No-claims discount
Every claim-free year builds a discount. Keep the paperwork when you switch insurers – the discount usually transfers if you can evidence it.