Affordable Car Insurance in Qatar
Why choose GIG Car Insurance
Key benefits of our Travel insurance plan
Manage Policy
Submit claims
Claim online with ease.
Renew policy
Renew with us easily
Roadside assistance
x/x roadside assistance.
Explore Your Plans
Only with GIG
- Personal accident benefit for driver
- Covers damages and injuries caused by your vehicle to other people or their car
- Personal accident benefit for passenger
- Covers third party in an accident
- Round the clock roadside assistance
- Personal injury cover
- Emergency medical expenses
- Personal belongings cover
- Your personal injury and your car
| Benefits (in QAR) | Motor Third Party |
|---|---|
| Loss or damage to the insured vehicle | NA |
| Liability to third parties | |
| Medical Expenses | NA |
| Clothing and Personal Effects | NA |
| Agency Repairs | NA |
| Personal injury | NA |
| Windscreen or Window Breakage | NA |
| Replacement Hire Car | NA |
| Accident and Breakdown Rescue | NA |
| Personal Accident Benefit | NA |
| GCC Cover | NA |
| Off Road cover | NA |
| Automatic Cover extensions | NA |
| Free airport pickup drop off | NA |
| Car service pickup and drop off | NA |
| Free car inspection (car registration renewal) pickup and drop off | NA |
Compare with Comprehensive Plans
| Benefits (in QAR) | Motor Third Party |
|---|---|
| Loss or damage to the insured vehicle | NA |
| Liability to third parties | |
| Medical Expenses | NA |
| Clothing and Personal Effects | NA |
| Agency Repairs | NA |
| Personal injury | NA |
| Windscreen or Window Breakage | NA |
| Replacement Hire Car | NA |
| Accident and Breakdown Rescue | NA |
| Personal Accident Benefit | NA |
| GCC Cover | NA |
| Off Road cover | NA |
| Automatic Cover extensions | NA |
| Free airport pickup drop off | NA |
| Car service pickup and drop off | NA |
| Free car inspection (car registration renewal) pickup and drop off | NA |
| Benefits (in QAR) | Motor Perfect | Motor Executive | Motor Third Party |
|---|---|---|---|
| Loss or damage to the insured vehicle | NA | ||
| Liability to third parties | |||
| Medical Expenses | Up to QAR 1,000 | Up to QAR 2,500 | NA |
| Clothing and Personal Effects | Up to QAR 500 | Up to QAR 1,000 | NA |
| Agency Repairs | Up to 5 years (optional) | Up to 5 years | NA |
| Personal injury | Up to QAR 10,000 | Up to QAR 50,000 | NA |
| Windscreen or Window Breakage | NA | ||
| Replacement Hire Car | Optional** | Optional** | NA |
| Accident and Breakdown Rescue | Optional** | Optional** | NA |
| Personal Accident Benefit | Optional** | Optional** | NA |
| GCC Cover | Optional** | Optional** | NA |
| Off Road cover | Optional** | NA | |
| Automatic Cover extensions | NA | ||
| Free airport pickup drop off | NA | ||
| Car service pickup and drop off | NA | ||
| Free car inspection (car registration renewal) pickup and drop off | NA |
What people say about us?
Frequently asked questions
What is car insurance?
Car insurance is a contract that pays out if your car is damaged, or if you damage someone else's car, property, or person while driving.
In Qatar, third-party liability is the legally required minimum, regulated under Decree-Law No. 19 of 2007. Comprehensive plans (Motor Perfect, Motor Executive) add cover for your own vehicle, medical expenses, and a range of optional extensions.
Is car insurance mandatory in Qatar?
Yes, third-party liability is a legal requirement under Qatar's Traffic Law (Decree-Law No. 19 of 2007), enforced by the Ministry of Interior. You can't renew your vehicle's registration (Istimara) without valid cover.
Third-party insurance pays for the other party's death, injury, or property damage — nothing toward your own car.
Review your policy documents carefully to know what is covered and not included.
What is the difference between comprehensive and third-party car insurance?
The main difference is what's protected, just others, or you too.
Comprehensive (Motor Perfect or Motor Executive) includes the mandatory third-party liability cover, plus protection for your own vehicle. Depending on your plan, it may include:
- Loss or damage to your own car
- Medical expenses and personal injuries
- Clothing and personal effects
- Agency repairs
- Windscreen or window breakage
- Optional extensions such as GCC cover, off-road cover, or a replacement hire car
Third-party insurance is the legal minimum. It covers:
- Death or injury to a third party and damage to their property
- It does not cover your own vehicle
Cover, limits and optional benefits vary depending on the policy you choose. Please refer to your policy wording for full terms, conditions and exclusions
How is the car insurance cost or premium calculated in Qatar?
Your premium is based on your vehicle, the plan you choose, and your claims record, GIG doesn't publish a flat rate.
Factors include:
- Your vehicle and the plan tier - Motor Perfect, Motor Executive, or Third Party
- Your No Claim Discount, which moves on a scale, it grows each claim-free year and drops if you claim
- Your cover - whether you choose comprehensive or third-party insurance, along with any optional add-ons.
- Your policy excess, the amount you agree to pay per accident
- Optional extensions you add, such as GCC cover or a replacement hire car
Buying online with GIG Gulf insurance gets you up to 10% off.
What is the process to claim insurance in case of an accident in Qatar?
If you're in an accident:
- Ensure safety and report the accident - Call for roadside assistance if needed — 800 2921 (or +974 44069886 from outside Qatar) — and GIG coordinates the tow
- Get your police report - For minor accidents with no injuries, report through the Metrash app; for major accidents or ones involving injuries, call the police on 999
- Submit your claim to GIG Gulf - Register your claim online via the customer portal, you'll get a Claim Reference Number
- Receive your claim reference - After submission, you will receive a SMS or confirmation with your claim reference number and next steps.
- Vehicle inspection and repair - Based on your policy coverage, your vehicle will be directed to an approved workshop or garage for assessment and repairs.
- Claim settlement and repair updates - You can track your claim status and receive updates until your vehicle is repaired or the claim is settled.
- Book benefit - Book a rental car by phone at least 24 hours ahead, if your policy includes hire car cover. Check your policy for details.
The exact process may vary depending on your policy type and coverage benefits
One step to know: if a third party is at fault, GIG must wait for approval from the third party's insurer before proceeding with your claim.
Submit your claim with GIG Gulf and get support throughout the process.
Does car insurance in Qatar cover damages in other GCC countries?
Yes partly, through GCC Cover, an optional extension that widens your territorial limit beyond Qatar.
It covers you in:
- United Arab Emirates
- Bahrain
- Saudi Arabia
- Kuwait
- Oman
It does not extend your third-party liability cover — that has to be purchased separately at the border of each country you visit.
Always check your policy documents to confirm whether GCC cover is included and any territorial limits or conditions that may apply.
Get a quote to check if GCC coverage is included in your plan.
What are the consequences of driving without valid car insurance in Qatar?
Driving without valid third-party insurance is illegal in Qatar under Decree-Law No. 19 of 2007, enforced by the Ministry of Interior. Reported penalties include a fine of QAR 3,000, and your vehicle can be impounded.
Make sure your insurance is active — it's also required to renew your Istimara.
How do I renew my car insurance policy online?
Renew directly through the GIG Gulf Qatar website using the "Renew Your Policy" option, you don't need to start a new application. You'll need:
- Your existing policy number
- Your Qatari driving licence
- Your updated Istimara (vehicle registration card)
- Updated vehicle inspection report, if required
- Review your plan, coverages & opted extensions
- Complete the form and make the payment
Renewing online is quick and ensures your coverage stays active without interruption.
What documents do I need to buy or renew car insurance in Qatar?
To buy or renew a car insurance policy in Qatar, you’ll typically need:
- A valid Qatar ID (QID) or passport for new residents
- A valid Qatari driving licence
- Your vehicle's Registration Card (Istimara)
- A copy of your previous policy (for renewals)
- A vehicle inspection report (for used or older cars, if required)
Providing accurate and complete documents ensures smooth policy processing and renewal.
What is a Third party liability coverage car insurance?
Third-party liability is Qatar's legal minimum.
This coverage includes:
- Death or bodily injury to a third party
- Damage to third-party property
It does not cover damage to your own vehicle.
This is the minimum legal requirement in Qatar and may suit you if you're looking for a lower-cost option.
What is the best car insurance in Qatar for daily drivers and families?
The best car insurance depends on your car's value, how you drive, and your budget.
When choosing a policy, consider:
- The level of coverage you need
- Your daily driving usage and family needs
- Optional benefits such as off-road cover, GCC cover, or a 7-day hire car after a claim
At GIG Gulf, Motor Executive includes higher medical and personal injury limits (up to QAR 2,500 and QAR 50,000,subject to policy terms) plus automatic off-road cover, while Motor Perfect keeps costs lower with those as optional add-ons.
Learn more about our car insurance plans.
This is important if you want a balance between protection, convenience, and cost.
What is a GCC cover? And why is this important?
GCC cover extends protection for your own car when you drive outside Qatar — but it comes with an important limit.
This matters if you regularly cross into or are driving to other GCC regions. It covers you in:- United Arab Emirates
- Bahrain
- Saudi Arabia
- Kuwait
- Oman
How much does car insurance in Qatar cost?
Car insurance premiums in Qatar vary by vehicle and plan. The cost depends on factors such as:
- Vehicle make, model, year and its value
- Your No Claim Discount standing
- Type of coverage - The plan tier are Motor Perfect, Motor Executive, or Third Party
- Additional extensions, such as GCC cover, off-road cover, or the hire car benefit
Buying online with GIG Gulf insurance also gets you up to 10% off.
How can I lower the cost of my car insurance premium?
A few ways to bring your premium down:
- Maintaining a clean driving record.
- Build a No Claim Discount by staying claim-free, this can lower your premium at renewal.
- Choose a higher voluntary excess (the amount you pay first on a claim) in exchange for a lower premium.
- Only add optional extensions you'll actually use, rather than bundling everything by default.
Buying online with GIG Gulf insurance also gets you up to 10% off.
What is a "No Claim" Discount? And how do I avail of it?
What is No Claim Discount certificate?
A No Claim Discount rewards each year you go without a claim, it increases at renewal if you don't claim, and drops if you do, based on GIG's scale.
To use it, avoid claiming for minor damage. If you've held two years or more of a No Claims Certificate, you also unlock eligibility for GIG's "Safe Driver" optional extensions, though these come with an additional premium.
Who is eligible?
You can request an NCD certificate once you've completed a car insurance policy period without making a claim.
What happens if I'm found at fault in an accident?
- Get your police report via Metrash for minor accidents, or call 999 for major accidents or injuries
- Register your claim online, and note that GIG must wait for approval from the third party's insurer before proceeding
- GIG confirms your workshop or agency once your documents are in
- Avail 24/7 Roadside assitance & breakdown recovery. Call 800 2921 (within Qatar) or +97444069886 from outside Qatar. For police attendance after a major accident or injury specifically, that's 999.
- With Comprehensive, GIG repairs or settles for your vehicle like any other claim
- With Third Party insurance, you're covered for the other party's injury or property damage — but damage to your own car is your responsibility
Either way, an at-fault claim affects your No-Claims Discount.
How quickly can I get my Third Party Insurance policy after applying?
GIG Gulf issues your Third Party policy as soon as your application and payment are verified. You'll receive your policy documents by email once it's confirmed.
Double-check your email address when applying, since that's where your policy documents are sent.
Does Third Party Insurance cover theft or fire?
No, Third Party insurance in Qatar only covers damage or injury you cause to others; it doesn't cover theft, fire, or any damage to your own vehicle.
For that level of protection, you'd need Comprehensive cover (Motor Perfect or Motor Executive), which includes theft and fire as standard.
Does Third Party Car Insurance cover damages to my own car/vehicle?
No, Third Party plans in Qatar only cover damage you cause to other people's vehicles and property, not your own car.
To protect your own vehicle, you'll need Comprehensive cover (Motor Perfect or Motor Executive).
How do I register a claim?
You can register your claim online via the customer portal.
Have ready:- Your Policy Reference Number
- Your driver's licence (front and back)
- Your Car Registration Card (Istimara, front and back), and
- A Police Report (via Metrash for minor accidents) or a Repair Permit.
You'll get a confirmation with your Claim Reference Number once submitted.
Motor Insurance documents
Download terms and conditions with product details
