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Planning to enter Iran with your own automobile? Bima24 helps foreign travelers arrange automobile insurance in Iran for vehicles with foreign license plates before arriving in the country.
You can request third-party or comprehensive automobile insurance and receive assistance from an English-speaking insurance advisor. Once the policy is issued, its electronic version will be sent to you.
The service is available for travelers driving throughout Iran, including Tehran, Isfahan and other Iranian cities.
Do You Need automobile Insurance to Drive in Iran?
Third-party motor insurance is compulsory under Iranian law. Its purpose is to compensate other people for eligible bodily injury and property damage caused by a motor vehicle accident.
Driving without a valid third-party insurance policy may result in legal and financial consequences. Iranian regulations also allow uninsured vehicles to be stopped from operating. You should therefore confirm that your existing international policy is recognized in Iran or arrange valid local coverage before driving.
Bima24 can review your request before you enter Iran and help arrange a suitable policy for your foreign-registered vehicle.
Your vehicle can be insured under its original foreign license plate. You do not need an Iranian registration plate solely to submit an insurance request through Bima24.
Insurance requirements and issuance conditions may depend on the vehicle, period of stay and insurer’s underwriting approval.
If you already have car insurance in your home country, do not assume that it automatically covers driving in Iran. International coverage, Green Card arrangements and locally accepted insurance can have different conditions.
For a detailed explanation, read our guide: Does My Foreign Car Insurance Cover Driving in Iran?
Automobile Insurance Options for Foreign Vehicles
Bima24 can help you request two main types of motor insurance in Iran.
Third-Party automobile Insurance
Third-party insurance covers eligible bodily injury and property damage caused to other people in a road accident, subject to the limits and conditions stated in the policy.
This insurance does not normally pay for damage to your own vehicle. Its main purpose is to protect third parties affected by an accident involving the insured vehicle.
Third-party insurance may include:
Eligible bodily injury or death caused to third parties
Eligible damage to another person’s vehicle
Eligible damage to third-party property
Driver accident coverage, subject to the issued policy and Iranian regulations
The exact limits are stated in the final insurance policy.
Comprehensive automobile Insurance
Comprehensive automobile insurance—known in Iran as body insurance or Bimeh Badaneh—is intended to protect the insured vehicle itself against specified risks.
Depending on the insurer’s approval and the coverage selected, it may include protection against:
Collision with another vehicle or object
Overturning or falling
Fire, lightning or explosion
Total theft of the insured vehicle
Damage occurring during rescue or transportation after a covered accident
Additional options may be available for risks such as theft of parts, broken glass or natural disasters. Availability, exclusions, deductibles and limits must be confirmed for each foreign vehicle before issuance.
Third-party and comprehensive insurance serve different purposes. Travelers seeking broader protection may request both.
What Does automobile Insurance in Iran Cover?
Coverage depends on the policy you purchase.
Insurance type Primary purpose
Third-party insurance Eligible bodily injury and property damage caused to other people
Driver accident coverage Eligible bodily injury sustained by the at-fault driver, subject to policy terms
Comprehensive insurance Covered damage to the insured vehicle
Optional comprehensive add-ons Additional risks specifically listed in the policy
Do not assume that a policy described as “comprehensive” covers every possible event. The policy schedule and its general and special conditions determine which risks are covered.
Before accepting the policy, check:
The insured vehicle and license-plate details
Start and expiry dates
Territorial validity
Financial and bodily injury limits
Comprehensive coverage options
Deductibles
Exclusions
Claim notification requirements
An English-speaking Bima24 advisor can explain the available options before your request is finalized.
What May Not Be Covered?
An insurance policy does not cover every loss or incident. Exclusions depend on the insurer and policy conditions, but may include:
Deliberately caused damage
Driving without a valid or appropriate driving licence
Undeclared commercial or high-risk use of the vehicle
Normal wear, mechanical failure or maintenance problems
Damage that occurred before the policy started
Undeclared accessories or vehicle modifications
Use of the vehicle in unauthorized races or tests
Incidents outside the policy’s period or territorial scope
Risks excluded under Iranian law or the specific insurance contract
Comprehensive insurance may also apply a deductible. A deductible is the portion of an eligible loss that remains payable by the policyholder.
Always review the final policy conditions rather than relying only on a general coverage description.
Arrange Your Insurance Before Entering Iran
You do not need to wait until you arrive at the Iranian border to contact Bima24.
Your request can be reviewed before your trip. This gives you time to:
Confirm whether your vehicle is eligible
Compare third-party and comprehensive options
Provide the required information
Review the proposed coverage
Arrange issuance before entering Iran
Receive your electronic insurance policy
Early contact is recommended because issuance time can vary depending on the vehicle, insurer, requested coverage and completeness of the documents.
Submitting a request does not itself activate insurance. You should not drive on the assumption that you are covered until issuance has been confirmed and you have received the valid policy.
Documents Required
Bima24 currently requires the following documents to process a foreign-vehicle insurance request:
Passport
Vehicle registration document or vehicle automobiled
Valid driving licence
The documents must be clear, readable and consistent with the information provided in the request.
If additional information is required because of the vehicle type or insurer’s underwriting process, the advisor will explain this before issuance.
Other documents connected with entering Iran—such as visas, customs permissions or temporary vehicle-entry documents—are separate from the insurance service. Travelers remain responsible for confirming current border, customs and driving requirements with the relevant authorities.
How to Request automobile Insurance with Bima24
The process is designed to be straightforward for international travelers.
1. Submit your contact information
Complete the request form with:
First and last name
WhatsApp number
Email address
2. Speak with an English-speaking advisor
A Bima24 advisor will contact you by WhatsApp, phone or email to understand your travel dates, vehicle information and preferred insurance coverage.
3. Send the required documents
Provide a clear copy of your passport, vehicle registration document or automobiled, and driving licence through the agreed secure communication channel.
4. Review the available policy
The advisor will explain available third-party and comprehensive coverage, policy duration, limits, exclusions and price.
5. Confirm issuance
After the required information and payment have been completed, the policy will be issued subject to the insurer’s approval.
6. Receive your electronic policy
The electronic insurance document will be sent to you. Check the vehicle details, foreign license plate, coverage and validity dates immediately after receiving it.
How Is Your Insurance Policy Delivered?
Bima24 provides the issued policy electronically.
The policy may be sent to your registered email address or through the agreed contact method. Keep an accessible copy on your phone and consider saving an offline copy in case you do not have internet access while traveling.
It is also sensible to automobilery a printed copy, even when the official document has been delivered electronically. Border officers, police or claim representatives may need to review the policy details.
How Much Does automobile Insurance in Iran Cost?
The price cannot be determined accurately without reviewing your vehicle and requested coverage.
Factors that may affect the premium include:
Type of insurance requested
Vehicle type and use
Vehicle make and model
Vehicle value
Country of registration
Requested policy duration
Selected financial limits
Comprehensive coverage options
Deductible
Insurer’s underwriting conditions
Current insurance rates and Iranian regulations
Because insurance rates and legal limits may change, Bima24 provides the applicable price after reviewing the request.
A lower premium does not necessarily mean better value. Compare the coverage limits, deductibles and exclusions as well as the final price.
automobile Insurance Across Iran
Bima24’s service is not limited to a single city. The policy can be arranged for eligible travel throughout Iran, subject to its stated territorial conditions.
automobile Insurance in Tehran
If Tehran is part of your route, you can arrange your insurance before arriving and communicate with Bima24 remotely. You do not need to wait until you reach Tehran to begin the request.
automobile Insurance in Mashhad
Travelers planning to drive in Mashhad can use the same nationwide request process. Coverage is based on the issued policy rather than the city where the request was submitted.
Coverage in Other Iranian Cities
Bima24 can process requests for travelers planning to drive in cities and regions across Iran. Your route may include Shiraz, Tabriz, Isfahan, Yazd or other destinations without requiring a separate policy for each city, provided the journey remains within the territorial scope of the policy.
Important Points Before You Travel
Before driving your vehicle in Iran:
Arrange insurance early enough for document review and issuance.
Do not assume your home-country policy is automatically valid in Iran.
Check the spelling of your name and foreign license plate on the policy.
Confirm the policy starts before you begin driving in Iran.
Review coverage limits, exclusions and deductibles.
Keep the electronic policy available offline.
Save Bima24 and insurer contact details.
Ask how to report an accident or make a claim.
Keep your passport, driving licence and vehicle papers accessible.
Separately verify current visa, customs and vehicle-entry requirements.
If an accident occurs, prioritize safety, contact the appropriate emergency or police service, document the scene where safe, and notify the insurer as soon as possible. Claim procedures and required evidence depend on the circumstances and policy conditions.
Request automobile Insurance for Your Trip to Iran
Tell us how we can contact you, and an English-speaking Bima24 advisor will help you review third-party and comprehensive insurance options for your foreign-registered vehicle.
zYou can submit your request before entering Iran. Once issued, your electronic policy will be delivered remotely.
