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Does your car insurance cover recovery in the UAE?

Check your policy first

Look for "roadside assistance", "towing" or "recovery" in your policy schedule. Some insurers include it, some sell it as an add-on, and basic third-party plans may not have it at all. If it is not written there, assume it is not included.

What is often not covered

  • Off-road and desert recovery, unless your policy has a specific 4x4 or off-road extension.
  • Towing after an accident, which usually goes through your insurance claim rather than roadside assistance.
  • Limits on distance or on the number of call-outs per year.
  • Towing to the garage you choose, instead of the insurer's approved garage.

When calling a recovery company directly makes sense

  • Your policy does not include towing, or you have used up your call-outs.
  • You want the car taken to your own garage or dealer.
  • The car is low, luxury or a sports car and you want a flatbed with care.
  • You are stuck in sand, a basement or somewhere your cover excludes.
  • You cannot get through to your insurer, or the wait is too long.

Questions to ask your insurer

  1. Is towing included in my policy, and how many times a year?
  2. Is there a distance limit?
  3. Can the car go to a garage I choose?
  4. Is off-road or desert recovery included?
  5. What number do I call, and is it available at night?

Whoever you call, safety comes first: hazard lights on, get behind the barrier, and call 999 if the car is stuck in a live lane.

Your exact price, before we move

Every job is priced on the real distance from pickup to drop-off, so you only pay for your trip.

  1. Send two locationsWhere the car is now, and where it needs to go.
  2. Get the price straight awayOne clear number, not a range.
  3. That's what you paySame price at any hour, no extra fees when the driver arrives.