Road Accident Patterns in the UAE in Summer – Analysis of Insurance Claims Data

  • Peak hours on crash days are 6-8pm and 12-2pm and overall the 12-8pm period
  • The most vulnerable motorists aged 30 to 40
  • India, United Arab Emirates, Egypt, Pakistan and the Philippines are the top 5 nationalities involved in crashes
  • 45% of third parties at fault
  • RoadSafetyUAE provides “tips and tricks” specific to summer driving

Dubai, United Arab Emirates; Summer in the UAE is in full swing and with it the harsh summer driving conditions. Road users are potentially dehydrated, roads are marred by tire debris more than usual, vehicle maintenance is of paramount importance and weather conditions can pose further challenges.

Tokio Marine, one of the largest auto insurers in the UAE, has partnered with RoadSafetyUAE to analyze its auto insurance claims data from July to September (Q3) 2021 to provide meaningful insights aimed at raising awareness and to protect motorists in the United Arab Emirates.

Takako Matsuo, Direct Business Manager of Tokio Marine & Nichido Fire Insurance Co., Ltd said, “We collect a significant amount of claims data which we analyze in depth and we want to share the key findings for the benefit of people and communities. the company in the UAE. In this case, we analyzed nearly 2,500 claims data from the UAE. The hot summer months pose a specific challenge for motorists in the UAE and we want to do our part to keep everyone safe on the road.

Thomas Edelmann, Founder and Managing Director of RoadSafetyUAE said, “Tokio Marine is in an excellent position to share real data for the benefit of road users in the UAE. It was amazing to team up with the Tokio Marine team to jointly analyze their claims data. It takes great commitment on the part of a company to go the extra mile to use its resources for the benefit of the many. Motorists in the United Arab Emirates should be particularly careful in the 12 p.m. to 8 p.m. time slot and especially in the peak accident hours of 6 p.m. to 8 p.m. and 12 p.m. to accidents. We cannot let our guard down because almost 50% of the accidents in which we are involved are the fault of other road users.

The detailed conclusions of the analysis of the claims data are as follows:

  • Nearly 2,500 claims data were analyzed
  • The diurnal distribution of accidents shows peaks at 6 p.m.-8 p.m., 12 p.m.-2 p.m. and overall, in the 12 p.m.-8 p.m. time slot:









12-2 p.m.


2-4 p.m.


4-6 p.m.


6-8 p.m.


8-10 p.m.




  • 45% of accidents are the fault of third parties
  • Breakdown of accidents by age:

under 30


30-40 years old


40-50 years old


over 50 years old


  • Breakdown of nationalities (if known):



United Arab Emirates










RoadSafetyUAE provides detailed “tips and tricks” for summer driving in this section of their online portal:, regarding debris, hydration, glare and high temperatures inside vehicle, pre-driving vehicle and tire checks, vehicle maintenance, parking, vulnerable traffic participants and more.


About Tokio Marine (Tokio Marine & Nichido Fire Insurance Co., Ltd):

Present in the UAE market since 1976, Tokio Marine & Nichido Fire Insurance Co., Ltd., is one of Japan’s oldest and largest non-life insurance companies, with origins dating back to 1879 .

The company benefits from solid profitability and financial stability, with an A+ (Stable) rating from Standard & Poor’s, & Aa3 (Stable) from Moody’s (as of April 24, 2020). The company enjoys the sponsorship of Al Futtaim Development Services Co. LLC, which is one of the largest and most successful private business houses in the Lower Gulf region.

45 countries and regions: Tokio Marine Group consists of Tokio Marine Holdings, Inc., 155 subsidiaries, and is engaged in domestic non-life insurance, domestic life insurance, international insurance, and financial and general business .

155 Subsidiaries: Tokio Marine Group provides a wide range of products and services that have a strong competitive position in developed and emerging markets, which are at the heart of the global insurance market.

40848 Employees: Highly skilled and experienced employees worldwide providing professional risk management services and efficient claims handling.

For more information visit

About RoadSafetyUAE:

RoadSafetyUAE’s vision is to help reduce the number of road fatalities, injuries and accidents in the UAE. RoadSafetyUAE’s mission is to raise awareness about safe driving on our roads, in an engaging way and on a widely communicated and ongoing basis. RoadSafetyUAE’s award-winning platform engages with stakeholders, traffic participants, government entities, media and partners concerned with Corporate Social Responsibility (CSR). ‘Tips & Tricks’ are the content backbone, provided for over 60 road safety topics, all specifically relevant to the UAE. More information can be found at

*Source: AETOWire
Thomas Edelmann, Founder and Managing Director, RoadSafetyUAE
[email protected]

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