Having a car in Dubai is simply a must for most expatriates. You will have to put up with busy traffic and congestion, but it is much better to be in a car than in a public transport bus. You cannot register your vehicle without insuring it first. Just like in any country, you are legally obliged to purchase auto insurance.
You have to buy a package that corresponds to the legal minimum set by the Dubai authorities. These packages are called TPFT, which stands for third party, theft and fire. Basically, it covers property damage and injury liability. It also gives you a basic level of financial protection in case of your car being stolen or damaged by fire. As the name suggests, this type of policy does not provide collision coverage.