Car Insurance in Egypt – Updated for 2025

 

Introduction

Whether you live in Cairo, Alexandria, or any other Egyptian city, car insurance is essential to protect yourself against financial risks, legal trouble, and unexpected accidents. In 2025, car insurance in Egypt is evolving with more digital options, competitive pricing, and enhanced protection. This guide explains everything you need to know about car insurance in Egypt, including types of coverage, average costs, best companies, how to file a claim, and tips to save money.

Is Car Insurance Mandatory in Egypt?

Yes, it is legally required to have Third-Party Liability Insurance to register and operate a car in Egypt.

According to Egyptian traffic law:

• Driving without insurance leads to fines, penalties, or vehicle confiscation

• In accidents, the at-fault driver must compensate all affected parties—with or without insurance

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Types of Car Insurance in Egypt

1. Third-Party Liability (TPL) Insurance

• Mandatory under Egyptian law

• Covers:

  • Injuries to third parties

  • Damage to others’ vehicles or property

• Does NOT cover damage to your own car

• Basic, budget-friendly option

2. Comprehensive Car Insurance

• Optional but highly recommended

• Covers:

  • Damage to your vehicle (even if you’re at fault)

  • Theft, fire, vandalism

  • Natural disasters like floods or sandstorms

  • Legal assistance

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Key Features of Car Insurance Policies in Egypt

a. Premium

• Annual payment to keep your policy active

• Calculated based on:

  • Car model and year

  • Driver’s age and experience

  • Location (urban or rural)

  • Claims history

b. Deductible (Excess)

• Amount you pay before insurance covers the rest

• Higher deductibles lower your premium, and vice versa

c. Add-Ons (Optional Coverage)

• Roadside assistance

• Personal accident cover

• GCC or Europe driving extension

• Coverage of accessories and modifications

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Cost of Car Insurance in Egypt (2025 Estimates)

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Top Car Insurance Companies in Egypt (2025)

1. Misr Insurance Company

• Government-backed and one of the oldest in Egypt

• Offers both TPL and comprehensive coverage

• Trusted in remote and rural areas

2. Allianz Egypt

• Great for expats and professionals

• Digital policy issuance and claim tracking

• Covers vehicle depreciation in select packages

3. AXA Egypt

• Internationally trusted brand

• Offers 24/7 roadside assistance

• High claim approval rate

4. Royal Insurance

• Fast claim settlements

• Good reputation among luxury car owners

• Offers coverage for modified vehicles

5. Libano-Suisse Egypt

• Strong medical and accident coverage

• Customizable policies for new drivers

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How to Get Car Insurance in Egypt

Step 1: Collect Necessary Documents

• Vehicle license (رخصة السيارة)

• National ID (بطاقة الرقم القومي) or Passport for foreigners

• Previous insurance (if renewing)

• Car inspection (for some insurers)

Step 2: Compare Policies

Use platforms like:

• Amanleek.com

• Brokerage firms

• Direct contact with insurers

Step 3: Pay and Receive Policy

• Pay online, via bank, or at insurer’s office

• Policy is delivered via email or physically

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How to File a Car Insurance Claim in Egypt

Step 1: Report the Incident

• Contact the police immediately for an accident report

• Inform your insurance company within 24 hours

Step 2: Submit Documentation

You’ll need:

• Police report

• Photos of the damage

• Repair cost estimates

• Driving license and car registration

Step 3: Wait for Assessment

• Insurance adjuster evaluates damage

• You receive repair authorization or compensation

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Common Mistakes to Avoid

• Skipping comprehensive insurance on expensive cars

• Not reading the fine print (what’s excluded)

• Not notifying the insurer immediately after an accident

• Failing to renew on time (risking driving uninsured)

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Tips to Save Money on Car Insurance

• Bundle insurance policies (car + home)

• Maintain a clean driving record

• Install anti-theft devices

• Pay annually instead of monthly

• Shop around every year before renewal

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FAQs About Car Insurance in Egypt

Q: Can expats buy car insurance in Egypt?
Yes. With valid Egyptian residency or tourist documents, foreigners can get insured.

Q: Can I insure a used or imported car?
Yes, but some insurers may ask for special inspection or documentation.

Q: What if I sell my car before the policy ends?
You can transfer the policy to the new owner or cancel and receive a refund for unused months.

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Conclusion

Car insurance in Egypt is a vital part of responsible car ownership. Whether you're a first-time driver or a long-term resident, understanding your options in 2025 ensures you stay protected, compliant, and financially secure. Always compare quotes, understand coverage levels, and choose a policy that fits your lifestyle and budget.