Car Insurance Types in Oman 2025 – A Complete Guide
Whether you’re a new driver or a long-time car owner in Oman, having the right car insurance is not just a legal requirement — it’s also essential for financial protection. As of 2025, the landscape of car insurance in Oman has evolved with new regulations, more digital options, and varied coverage plans to suit the needs of all kinds of motorists. Zero Down Payment Cars in Oman.
This article will break down the main types of car insurance in Oman, compare their benefits and costs, and help you choose the best policy for your driving needs in 2025.
1. Car Insurance Regulations in Oman 2025
Before diving into types of insurance, it’s important to understand the legal context. The Royal Oman Police (ROP) mandates that all vehicles must carry at least third-party liability insurance to be legally driven on public roads. Car Insurance Premiums in Oman.
In 2025, the ROP and the Capital Market Authority (CMA) have introduced more digital compliance checks and AI-based claim assessments to enhance transparency and reduce fraudulent claims.
2. Main Types of Car Insurance in Oman
A. Third-Party Liability Insurance (TPL)
This is the minimum mandatory insurance required by law.
What it covers:
- Bodily injury or death to third parties (drivers, passengers, pedestrians)
- Damage to third-party property
What it doesn’t cover:
- Damage to your own car
- Theft or fire
- Driver’s personal injury
Best for:
Old cars or drivers looking for basic legal coverage at low cost.
Average Annual Premium in 2025:
- OMR 70 – OMR 150 depending on vehicle type and driver history
B. Comprehensive Car Insurance
This is the most inclusive type of car insurance and is optional, but highly recommended.
What it covers:
- All third-party liabilities
- Damage to your own car (due to accidents, theft, fire, natural disasters)
- Personal accident coverage
- Towing service
- Off-road coverage (optional add-on)
Additional Features in 2025:
- Mobile claims submission
- AI-based claim approval within 24 hours
- Add-on for electric and hybrid cars
Best for:
New vehicles, luxury cars, or those who want full peace of mind.
Average Annual Premium in 2025:
- OMR 180 – OMR 400 depending on car model and coverage level
C. Third-Party Fire and Theft Insurance
This type is a hybrid — more than basic TPL, but less than comprehensive.
What it covers:
- Third-party liability
- Theft or fire damage to your own car
What it doesn’t cover:
- Accidental damage to your own car
- Floods, hail, or natural calamities
Best for:
Mid-range vehicles or areas prone to theft/fire but low accident risk. Fuel-Efficient Cars in Oman for Daily Use.
Average Annual Premium in 2025:
- OMR 100 – OMR 180
D. Pay-As-You-Drive (Usage-Based Insurance)
With Oman’s increasing adoption of digital technologies in 2025, usage-based insurance (UBI) is gaining popularity.
How it works:
- Premium is calculated based on kilometers driven, time of day, or driving behavior using a GPS device or mobile app.
Benefits:
- Lower premiums for safe or infrequent drivers
- Real-time tracking
- Incentives for eco-friendly driving
Best for:
Young drivers, students, or low-mileage users
Average Annual Premium:
- As low as OMR 60 – based on usage
E. Takaful Car Insurance (Islamic Insurance)
Takaful insurance aligns with Islamic financial principles. It’s based on mutual cooperation and no interest or speculation.
Key features:
- Surplus profits are shared with policyholders
- Shariah-compliant investments
- Offers both comprehensive and third-party coverage options
Best for:
Muslim drivers seeking Shariah-compliant insurance
3. Add-ons and Riders Available in 2025
Most insurance companies in Oman offer optional add-ons to customize your policy:
| Add-on Type | Approx. Cost (OMR/year) | Covered Scenarios |
|---|---|---|
| Off-road damage cover | 20–50 | Useful for 4×4 vehicles in desert terrain |
| Roadside assistance | 15–30 | Towing, battery jump, tire change |
| Natural calamity cover | 10–25 | Floods, hail, sandstorms |
| GCC coverage extension | 30–60 | Driving in UAE, KSA, Bahrain, Qatar, Kuwait |
| Replacement vehicle | 25–40 | While your car is under repair after an accident |
4. Leading Car Insurance Providers in Oman 2025
Here are some of the top-rated insurance companies offering vehicle insurance in Oman:
| Company | Known For | Contact/Website |
|---|---|---|
| National Life & General | Affordable comprehensive plans | www.nlicg.com.om |
| Dhofar Insurance | Excellent third-party coverage | www.dhofarinsurance.com |
| Vision Insurance | Strong off-road coverage | www.visioninsurance.co.om |
| AXA Oman | International coverage, mobile app | www.axa.om |
| Takaful Oman | Islamic insurance (Takaful) | www.takafuloman.com |
5. Car Insurance Cost Comparison Table (2025)
| Insurance Type | Coverage Level | Avg. Cost (OMR/year) | Best For |
|---|---|---|---|
| Third-Party Liability | Basic | 70 – 150 | Legal compliance |
| Third-Party Fire & Theft | Medium | 100 – 180 | Budget-conscious drivers |
| Comprehensive | Full | 180 – 400 | New/luxury car owners |
| Pay-As-You-Drive | Custom (based on use) | 60+ | Low mileage users |
| Takaful | Varies | 90 – 350 | Shariah-compliant drivers |
6. Tips to Choose the Right Insurance in 2025
- Compare quotes online: Use comparison tools on insurance websites or apps.
- Consider vehicle age and usage: For old cars, third-party may be enough.
- Look at claim ratios: Choose companies with faster claim settlements.
- Check add-ons carefully: Only pay for what you actually need.
- Ask about discounts: Some insurers offer no-claim, bundling, or female driver discounts.
Conclusion
Car insurance in Oman is becoming more sophisticated, customer-friendly, and technologically advanced in 2025. Whether you’re looking for minimum coverage or full protection with advanced benefits, there’s a plan tailored for you. Make sure to compare, understand your coverage, and choose wisely based on your driving habits and vehicle type.
FAQs – Car Insurance in Oman 2025
Q1: Is car insurance mandatory in Oman in 2025?
Yes, a minimum of third-party liability insurance is mandatory for all vehicles under ROP regulations.
Q2: What’s the best car insurance type for a new car in Oman?
Comprehensive insurance is highly recommended for new or expensive cars.
Q3: Can I buy car insurance online in Oman?
Yes. Most insurers offer fully digital services including quotes, payments, and claim tracking via websites or apps.
Q4: How can I reduce my car insurance premium in Oman?
Drive safely, avoid claims, bundle with other policies, and use pay-as-you-drive options if possible.
Q5: What documents are required to buy car insurance in Oman?
You’ll need your vehicle registration card (Mulkiya), civil ID, valid driving license, and past insurance policy (if renewing).