The standard exclusion
Almost every comprehensive motor policy issued in the region carries a war and civil commotion exclusion. It removes cover for damage arising from riot, strike, civil commotion, terrorism, insurrection and acts of foreign enemies. It is not a small-print oddity — it is one of the market's most consistent exclusions.
What the endorsement restores
- Riot, strike and civil commotion damage
- Malicious damage arising from those events
- Damage from acts of terrorism, on most wordings
- Fire and explosion resulting from the above
Who should consider it
Fleet operators, businesses with vehicles parked in public areas overnight, and anyone driving regularly into markets where the risk is materially higher than in the UAE. For a private car garaged at home in Dubai, the exposure is genuinely low — this is a considered purchase, not a default one.
How it is priced
As a percentage loading on the comprehensive premium, typically a modest one, because the underlying frequency in the UAE is very low. The value is in the tail: it converts a total loss you would otherwise absorb entirely into a claim.
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