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HSBC Car Insurance

Let the heart rule the moment.

And let the mind be at peace with AXA Car Insurance.

Get a quote

You are leaving hsbc.ae

Please read this important information before accessing or retrieving your instant quote.

This link will allow you to access a non-HSBC website. HSBC Bank Middle East Limited has no control over the linked website and not liable for your use of it.

AXA Motor Insurance is provided by AXA Insurance (Gulf) B.S.C. (c) ("AXA"), a company registered under Insurance Companies Register - Certificate No. 69 and authorized by the UAE Insurance Authority.

By pressing "Proceed" you will confirm that you have read and acknowledged the above, and will be transferred to AXA's quotation website to access or retrieve your quote. Any information you share in the following screens will be on the AXA website and HSBC hereby disclaims any liability for the use of the AXA website and its contents.


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AXA Insurance

Enjoy your drive with peace of mind

The roads are as unpredictable as they are enjoyable. Should you be involved in a car accident, you would want to be back on the road in the shortest possible time, with minimum disruption to your life.


AXA Insurance

With AXA Car Insurance you have the flexibility to choose the right cover based on your individual needs.

As HSBC's insurance partner, AXA provides three packages, which give you the flexibility to choose the right cover based on your individual needs - with everything you'd expect, plus some features you might not.

Benefits Motor Prestige Motor Perfect Motor Select
Loss or damage to the insured vehicle
Third party bodily injury
Third party property damage Yes AED 5 Million Yes AED 3.5 Million Yes AED 3.5 Million
Legal Liability extended to include family members as Third Party
Fire and theft cover
Storm, flood, riot and strike
Personal injury cover AED 20,000 AED 20,000
Emergency medical expenses AED 6,000 AED 3,500
Personal belongings AED 4,000 AED 4,000
Oman Cover
Off road cover
Agency repairs Included - 5 years Included - 2 years Optional up to 5 years
Guaranteed repairs
Back to invoice for total loss 24 months from first registration 6 months from first registration
Waiver of excess for windscreen damage If below AED 5,000
Personal accident benefit - driver Optional - AED 350,000 Optional - AED 200,000 Optional - AED 200,000
Personal accident benefit - passengers Optional - AED 200,000 Optional - AED 200,000 Optional - AED 200,000
Hire car benefit Yes up to AED 1,500 Optional up to 7 days Optional up to 7 days
24 hour accident and breakdown recovery
GCC cover Optional Optional
Pickup and delivery Optional Optional
Claims Single Point of Contact

Main Covers 

  • Loss of or Damage to your vehicle

    Cover for the accidental loss of or damage to the insured vehicle due to an insured incident.
  • Third Party Bodily Injury

    Cover for your legal liability in the event that you have to pay compensation for any bodily injury to or death of a third party, following an accident.
  • Third Party Property Damage

    Cover for your legal liability in the event that you have to pay compensation for damage to materials and property, following an accident.
  • Medical Expenses

    Cover for a limited amount of medical treatment incurred as a direct result of an accident when using the insured vehicle.
  • Personal Belongings

    Cover for the value of loss or damage caused to your personal belongings whilst in the insured vehicle.
  • Natural and Social Perils

    Your policy cover extends to include accidental loss of or damage to the vehicle caused by natural or social perils such as storm, flood, riot and strike.
  • Oman Extension

    Cover whilst car is temporarily being driven in the Sultanate of Oman.
  • Agency repair

    Repair of accidental damage of the insured vehicle at the manufacturer's authorised dealers within the UAE.
  • Hire car and AXA Valet

    Hire car facility at the time of a covered accident is supported by AXA's valet service which will deliver the hire car to your home or office and also collect the hire car once your car’s repairs are complete.
  • Roadside Assistance

    Extensive breakdown and accident recovery is offered 365 days a year to your vehicle and any private vehicle in which you are travelling. AXA also commit to reaching the breakdown site within an hour of request otherwise AXA will pay you AED 150 (within the urban areas of Dubai & Abu Dhabi).
  • Personal Accident benefits for driver

    Compensation to the driver of the vehicle in the event of death or serious bodily injury sustained whilst using the vehicle.
  • Personal Accident benefits for passengers

    Compensation to the passengers in the vehicle in the event of death or serious bodily injury sustained whilst using the vehicle.
  • GCC cover

    Under this cover, the loss of or damage to your vehicle is extended to all GCC countries. This does not include third party liability cover, which must be purchased separately at the border.

FAQs 

Why can't the insurance and registration be in two different names? 

The Policy Holder should normally be both the main driver of the vehicle and the registered owner. The Policy Holder must have a financial interest in the vehicle. The traffic department will only register a vehicle in the name stated on the insurance certificate.

How do you calculate my insurance premium? 

A number of factors are used to calculate your insurance premium. Amongst these the key factors are the age of the driver, length of driving experience, claims history, model of vehicle, vehicle value.

Why can't the insurance be transferred when the vehicle is sold? 

As the insurance premium is affected by the profile of the driver, it is not possible to simply transfer insurance cover from one driver to another. The new owner will need to purchase a new policy required for registration purposes. Once the vehicle is transferred you can cancel the policy and subject to no claims we will provide you refund on short period scale.

Which garages will you use to repair my car? 

If you have selected Agency Repairs then your vehicle will be repaired at the vehicle's authorized dealership. Otherwise it will go to one of AXA’s preferred garages. The warranty given in our preferred Garages is the same as an Agency – 12 months on body/paint work and 6 months on mechanical repairs. AXA Preferred Garages normally repair your vehicle more quickly than an Agency - for minor damages the repair normally starts the same day your vehicle arrives at the garage. For major damages, the repair normally starts in 2 days.

Can I choose which garage I want to take my vehicle to? 

AXA will choose the garage. The garage AXA chooses will depend on the vehicle type, nature of damage and availability.

Eligibility


You can get AXA Car Insurance if:

  • You are a UAE resident
  • You are an existing customer of HSBC
  • You have a valid UAE driving license
  • Your vehicle is UAE registered
  • You have not been disqualified from driving, have no criminal convictions and have not been refused insurance or had any special terms imposed in the past 5 years

Ready to apply?

Apply online


Get a quote

You are leaving hsbc.ae

Please read this important information before accessing or retrieving your instant quote.

This link will allow you to access a non-HSBC website. HSBC Bank Middle East Limited has no control over the linked website and not liable for your use of it.

AXA Motor Insurance is provided by AXA Insurance (Gulf) B.S.C. (c) ("AXA"), a company registered under Insurance Companies Register - Certificate No. 69 and authorized by the UAE Insurance Authority.

By pressing "Proceed" you will confirm that you have read and acknowledged the above, and will be transferred to AXA's quotation website to access or retrieve your quote. Any information you share in the following screens will be on the AXA website and HSBC hereby disclaims any liability for the use of the AXA website and its contents.


Proceed

Retrieve a quote

You are leaving hsbc.ae

Please read this important information before accessing or retrieving your instant quote.

This link will allow you to access a non-HSBC website. HSBC Bank Middle East Limited has no control over the linked website and not liable for your use of it.

AXA Motor Insurance is provided by AXA Insurance (Gulf) B.S.C. (c) ("AXA"), a company registered under Insurance Companies Register - Certificate No. 69 and authorized by the UAE Insurance Authority.

By pressing "Proceed" you will confirm that you have read and acknowledged the above, and will be transferred to AXA's quotation website to access or retrieve your quote. Any information you share in the following screens will be on the AXA website and HSBC hereby disclaims any liability for the use of the AXA website and its contents.


Proceed

To apply for a new policy or to renew an existing policy

please call

800 4560


For Car insurance policy terms and conditions click here


Product terms and conditions and exclusions apply. Please read the full policy wording for further information.

General insurance products are provided by AXA Insurance (Gulf) B.S.C. (c). HSBC Bank Middle East Limited in the UAE is only a distributor of AXA's general insurance products and is not responsible for claims, processing or otherwise.


You are leaving hsbc.ae

This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.

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You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.