Introduction: Why TPL Matters in 2026

In the UAE, car insurance isn’t just a recommendation — it’s a legal mandate. As we move into 2026, the Unified Motor Policy continues to evolve, making it essential for every driver in Dubai, Abu Dhabi, and the Northern Emirates to understand their coverage.

While Third-Party Liability (TPL) is the most basic form of insurance, it is the backbone of road safety in the Emirates. But is it enough for your vehicle? Let’s dive into the details.

What is Third-Party Liability (TPL) Insurance?

Third-party insurance is the minimum legal requirement to register or renew a car in the UAE.

  • The First Party: You (the policyholder).
  • The Second Party: The Insurance Company (e.g., those found on insurancepolicy.ae).
  • The Third Party: Any other person, vehicle, or property damaged in an accident where you are at fault.

Key Definition: TPL covers your legal liability for death or bodily injury to any third party, as well as damages to their property. It does not cover damages to your own car.

What Does UAE TPL Insurance Cover? (The 2026 Checklist)

Under the latest UAE regulations, a standard TPL policy includes:

  1. Unlimited Bodily Injury Cover: Compensation for injuries or death caused to others (as decided by UAE courts).
  2. Property Damage: Coverage for the other party’s vehicle or public property (e.g., RTA barriers) up to a specific limit (usually AED 1 million to AED 2 million).
  3. Ambulance & Medical Fees: Coverage for emergency transport costs for injured parties.

TPL vs. Comprehensive Insurance: Which One Do You Need?

Benefits of Choosing TPL Insurance at InsurancePolicy.ae

  1. Cost-Effectiveness: TPL premiums are significantly lower than comprehensive plans, starting from approximately AED 450 for small sedans in 2026.
  2. Fast Registration: Instant digital policy issuance allows you to renew your Mulkiya (registration) with the RTA or TAMM immediately.
  3. Flexible Add-ons: You can often add Roadside Assistance or Personal Accident Cover for the driver to a basic TPL plan.
  4. No Claims Discount (NCD): Even with TPL, safe drivers can earn discounts of up to 20% on their renewal.
  5. Agency vs. Non-Agency: While TPL doesn’t repair your car, it ensures the third party is handled by reputable workshops.

How to Claim TPL Insurance After an Accident

If you are at fault in an accident, follow these steps:
  • Step 1: Use the Dubai Police App or Saaed to report the accident.
  • Step 2: Obtain the “Green” or “Red” police report.
  • Step 3: Contact InsurancePolicy.ae’s claims support to register the claim.
  • Step 4: Provide your Driving License, Mulkiya, and Emirates ID.

Final Verdict: Is TPL Enough?

TPL is perfect for budget-conscious drivers with older vehicles. However, with the increase in erratic weather and flash floods in the UAE, we recommend checking our Comprehensive Insurance Guide if your car is valued over AED 40,000.
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FAQ

Yes. Under UAE Federal Law, every vehicle must have at least TPL insurance to be legally driven and registered. Without it, you cannot renew your Mulkiya (registration card) and may face fines of up to AED 1,000, 4 black points, and vehicle impoundment.

No. TPL insurance only covers the damages you cause to other people (bodily injury) or their property (vehicles, fences, etc.). If you want your own car to be repaired after an accident you caused, you will need Comprehensive Insurance.

All car insurance policies in the UAE are issued for 13 months. The extra month is a grace period mandated by the RTA/Traffic Departments to ensure you have time to renew your vehicle registration before the insurance officially expires.

Generally, no. Basic TPL policies do not cover "Acts of God" (natural disasters). Given the increase in heavy rains in the UAE recently, many drivers are switching to Comprehensive Insurance, which typically includes coverage for storm and flood damage.

Most insurers allow you to upgrade your coverage, but you will likely need to pay the difference in premium and have your vehicle inspected by the insurance company to ensure there is no pre-existing damage.

Yes, TPL is almost always the most budget-friendly option because it offers the minimum legal protection. It is highly recommended for cars older than 7–10 years where the cost of comprehensive premiums might outweigh the car's actual market value.

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