Insurance & Rules
Car Rental Insurance & Driving Rules in Dubai
Comprehensive insurance is included with every rental. The excess is AED 1,500 on standard cars and AED 10,000 on exotics — and optional CDW at 25% of the rental removes it. Here is exactly what is covered and what is not.
Every Pindi Boys rental includes comprehensive insurance — it is in the rate, not an add-on you buy at the counter. What people actually need to know is the excess: the amount you owe if you are at fault, and how to remove it.
Without CDW the standard excess is AED 1,500 (AED 10,000 on exotic cars). Optional CDW at 25% of the rental removes that liability entirely.
What the insurance covers, and what the excess is
| Cover | What applies | Detail |
|---|---|---|
| Comprehensive insurance | Included with every rental | Own-damage cover for the rental vehicle, fire, theft and natural-disaster protection. |
| Third-party liability | Up to AED 3.5 million | Included. |
| Insurance excess — standard cars | AED 1,500 | What you pay if you are at fault and have not taken CDW. |
| Insurance excess — exotic cars | AED 10,000 | Reducible with optional super-CDW. |
| Collision Damage Waiver (CDW) | 25% of the rental | Optional. Removes the excess above. |
| Licence under 6 months | 25% surcharge | Full insurance/CDW becomes compulsory for these drivers. |
| Police report | Mandatory | Required for any accident or damage claim. Without it, insurance does not pay. |
What insurance does not cover
- Off-road and desert driving, drifting and racing — all strictly prohibited.
- Tyre punctures and damage, and front windscreen or mirror damage, unless covered under the applicable insurance.
- Driving under the influence, or any driver not named on the rental agreement.
- Traffic fines and Salik — these are billed to you at cost, not covered by insurance.
The rental terms behind these answers
| Term | What applies |
|---|---|
| Weekly rate | Quoted in writing before delivery |
| Mileage cap | 250 km/day · unlimited on monthly contracts |
| Cash deposit | None |
| Card pre-authorisation hold | Quoted in writing before delivery |
| Insurance excess without CDW | Quoted in writing before delivery |
| Collision Damage Waiver (CDW) | 25% of the rental — removes the excess |
| Hold released | Within 21 days of return |
| Doorstep delivery | AED 50 flat, anywhere in mainland Dubai (up to 80 km) |
| Collection | AED 50 flat, same basis as delivery |
| Minimum rental | 2 days |
| VAT | 5% UAE VAT on top of all figures |
Questions people ask us
Is insurance included in car rental in Dubai?+
Yes — comprehensive insurance is included with every Pindi Boys rental at no extra cost, including third-party liability up to AED 3.5 million.
What is the insurance excess on a rental car in Dubai?+
AED 1,500 on standard cars and AED 10,000 on exotic cars. That is the amount you pay if you are at fault. Optional CDW at 25% of the rental removes it.
What happens if I have an accident?+
Call us on WhatsApp immediately. A police report is mandatory in the UAE for any accident or damage — we arrange the report, recovery and a replacement car if needed. With a valid police report, insurance covers the damage subject to the excess.
What driving is not allowed under the rental?+
Off-road and desert driving, drifting and racing are strictly prohibited and void cover. Only drivers named on the agreement may drive the car.
Are traffic fines and Salik covered by the insurance?+
No — they are separate and billed to you at cost. Salik carries AED 1 admin per crossing and a traffic fine carries AED 50 admin per fine. Nothing is marked up.
Do I need extra insurance if my licence is new?+
If your licence is under 6 months old, full insurance/CDW is compulsory and a 25% surcharge applies.
Ask us before you book
Tell us where, when and how many people. You get one fixed fare in writing.
Fares agreed before pickup · Salik and fuel included · 24/7 · +5% VAT