Buying car insurance has come a long way from the era of agent meetings and paperwork. With the digital-first era, it is now fast, secure, and extremely convenient to get car insurance quotes online. Being a new driver, a UAE resident, or renewing your policy, getting car insurance quotes online gives you the information and visibility to make smart financial decisions.
This guide will walk you through the online car insurance quote process, the benefits of online interaction, and which websites to trust in the UAE and abroad.
Why Use the Internet for Car Insurance Quotes?
Websites have made it easier than ever to understand an insurance, compare it, and buy car insurance. This is why drivers in 2025 prefer to get their quotes online:
Speed: Quotes are instantaneously available after entering basic vehicle and personal data.
Comparison: You can compare rates from a variety of insurers side by side.
Transparency: Coverage, deductibles, and exclusions are all prominently displayed.
Convenience: Receive quotes at any time, anywhere—no need to call agents.
Better pricing: Multiple insurers offer exclusive internet discounts or forego broker commissions.
Save money, reduce paperwork, and get coverage fast by going digital—the smartest way to start.
Step by Step: How to Obtain Car Insurance Quotes Online
The procedure is simple and will not take more than 10 minutes if you are prepared with your basic vehicle details.
Step 1: Choose a Reliable Online Insurance Portal
Start by selecting a trustworthy aggregator or direct insurer website. Popular platforms like Shory.com in the UAE allow for comparison of multiple providers' quotes on one platform. Otherwise, visit the websites of insurers like ADNIC, Orient, Salama, or Tokio Marine.
Select platforms that are:
Authorized and regulated in your country
Linked with top insurers
Ease of use on mobiles
Transparency on coverage and fees
Step 2: Enter Basic Information
You will need to provide some important details in order to get a quoted offer. These usually are:
Vehicle type, make, model, and age
Registration details (Emirate, plate number)
Vehicle value and use (commercial, private)
Age, gender, and driver license details of the driver
Claims history and No Claims Discount (NCD), if any
Some websites may also ask if you want agency or non-agency repair.
Step 3: Choose TPL or Comprehensive Policy
You will need to select your preferred insurance type:
Third-Party Liability (TPL): Mandatory by law in the UAE, provides protection against damages to third parties.
Comprehensive Insurance: Provides protection against damage to third parties as well as own car damage, e.g., theft, fire, and natural disasters.
Comprehensive quotes will be higher but provide broader cover.
Step 4: Customize Your Quote with Add-ons
Before you accept your quotation, you can select additional add-ons from the list below:
Roadside assistance
Off-road cover (essential for 4x4s)
Personal accident benefit
Replacement vehicle
GCC cover for driving in adjacent countries
These will affect your final quote, so choose only what’s relevant to your driving needs.
Step 5: Review and Compare Quotes
Once all inputs are submitted, you’ll receive real-time quotes from multiple insurance providers. Compare based on:
Premium price
Coverage limits
Exclusions
Claim process and network garages
Customer reviews and insurer ratings
Avoid the temptation to pick the cheapest option—go for the policy that balances affordability with solid coverage and a reliable claim experience.
Step 6: Upload Documents and Complete
Once you're ready to proceed, you'll have to upload the following:
Emirates ID (front and back)
Driving license
Mulkiya (car registration card)
NCD certificate (if yes)
Payments are usually made online via secure gateway. Once processed, your insurance policy is e-mailed to you and registered with the authorities (in the UAE, this would be the RTA or Abu Dhabi Police systems automatically).
Benefits of Getting Car Insurance Quotes Online
Other than speed and convenience, online quoting offers several advantages to today's drivers:
1. Enhanced Transparency
Online websites openly display to you what is and isn't included. You're able to read the fine print and peruse policy language before purchasing.
2. Competitive Pricing
By offering a range of quotes side by side, online websites allow you to spot overpriced policies and receive exclusive internet-only discounts.
3. Instant Policy Issuance
Once the payment is finalized, your policy is generated and delivered immediately—ideal for same-day registration or rush renewals.
4. No Pressure Agents
It's user-managed. You do your research, recompare quotes, and take as long as you like free from pressure to sell.
5. Electronic Recordkeeping
Your documents are saved and accessed at all times, minimizing the chance of lost documents during renewals or claims.
Where to Get Digital Car Insurance Quotes in the UAE
Some of the best websites to get accurate, real-time car insurance quotes online are:
Shory.com
A fully online insurtech brand in the UAE, Shory allows customers to:
Get instant car insurance quotes
Choose between TPL and comprehensive policies
Customize add-ons and view all the policy terms prior to purchase
Purchase and take delivery of the policy online without paperwork
Shory is comparable to market leaders like Orient, ADNIC, Salama, and Union, and is also famous for its fast and user-friendly quote system.
Direct Insurer Websites
If you want to buy directly from the insurer, then you can use:
ADNIC (Abu Dhabi National Insurance Company)
Salama
Union Insurance
Tokio Marine
These websites allow you to get quotes, pay online, and download your policy but not compare.
Tips for Getting Accurate and Affordable Quotes
To ensure your online quote is correct and economical:
Enter correct personal and car information consistently
Report any past claims or breaches in good faith
Attach a genuine No Claims Discount certificate if you possess one
Compare around with a minimum of three quotes before committing to one
Consider add-on deductibles to keep premiums low
Do not forget to read policy conditions—check exclusions, claim terms, and sub-limits
Common Mistakes to Avoid
Even buying insurance online, some mistakes can lead to monetary loss or denial of a claim:
Choosing the lowest-cost policy without reading exclusions
Failing to report changes or usage fluctuations
Neglecting to add-ons like GCC cover when traveling frequently
Renewing late and incurring late charges
Not having a copy of your electronic policy
Avoid these pitfalls for easy coverage and trouble-free claims.
Final Thoughts
The optimal method of obtaining car insurance quotes in 2025 is online. It is faster, more transparent, and less expensive than doing it offline.
With sites like Shory.com offering instant comparisons, instant issue, and hassle-free digital help, you've got everything you need to make the correct policy decision—your way. As a new driver, or as someone who's had a car for years, online saves you time, money, and inconvenience.
Before your next renewal or registration, don't fill out forms and log on for instant peace of mind.