In the United Arab Emirates, car insurance premiums and policy conditions are strictly regulated under national law to ensure fairness and transparency for vehicle owners. According to the Unified Motor Vehicle Insurance Policy Against Loss and Damage, insurers are permitted to charge a maximum premium of five percent for saloon vehicles and seven percent for four-wheel drive vehicles for a 13-month policy. These regulations are established under Insurance Authority Board of Directors’ Decision No. 25 of 2016 and Decision No. 30 of 2016, which govern motor vehicle insurance tariffs and policy frameworks. The law mandates specific clauses in every insurance policy, including the obligations of both the insurance company and the insured. Insurers are required to compensate for damages, repair or replace vehicles, and cover other stipulated losses. Meanwhile, policyholders must pay premiums, adhere to safety precautions, and ensure compliance with ownership and licensing requirements. Exclusions such as indirect losses, damages from overloading, or accidents occurring outside the policy’s geographical territory are also clearly defined. Additionally, the law allows for optional riders, enabling insurers and policyholders to agree on additional coverage for specific risks, such as damages to personal property or incidents occurring off-road. These provisions ensure that motor vehicle insurance in the UAE is comprehensive, standardized, and aligned with legal requirements. Ashish Mehta, founder of Ashish Mehta & Associates, emphasizes the importance of understanding these regulations to make informed decisions when renewing or purchasing car insurance.