If you sell your vehicle, you should inform your insurer to cancel or transfer the policy. You also need to provide the necessary documents, including the sale agreement and vehicle transfer details. Ensure that buyer obtains their motor insurance before driving the vehicle.

By following renewal guidelines and visiting the insurance company’s website, you can renew your motor insurance. To renew your motor insurance, you need to provide your policy number, car registration number, and other details. If you’re renewing with your current provider, you can skip the documentation.

In the UAE, driving without car insurance coverage has serious consequences, such as 

• A fine of AED 500,
• Four black points on your driving license, 
• Seven days in custody for your vehicle, 
• Suspension of your driving license, and 
• Imprisonment

If you have penalty points on your driving record, car insurance companies may charge you a high penalty for driving without car insurance coverage.

In the United Arab Emirates(UAE), you must have valid motor insurance and a valid driver’s license to legally drive a vehicle. The UAE also mandates that all cars have third-party liability insurance. Motor insurance ensures coverage for damages and injuries caused to a third party in the accident.

Yes, there are discounts available for motor insurance price in the UAE, such as 

• No-claim bonus: Drivers with clean records can get a 10% discount for no claims in the past year, a 15% discount for claims in the past two years, and a 20% discount for claims in the past three years.
• Safe Driving Records: If you’re a UAE resident and maintain an accident-free record, you can claim a 20% discount on your 2024 car insurance premium.

Motor insurance premiums in the UAE are calculated by 

• Car value—The key factor is your car’s market value, which is determined by the initial rate of your motor insurance. For example, if your car rate is less than AED 100,000, the rate will be around 2.5%.
• Driver profile—Age and driving experience can affect motor insurance premiums. A driver between the ages of 23 and 25 may face an overcharge; on the other hand, a driver between the ages of 25 and 30 may receive a discount.
• Car’s age- If your vehicle is older than three years, there may be an overcharge for agency repair coverage. 
• Type of coverage- Different types of coverage will also affect the motor insurance premium. 

To obtain a motor insurance policy, the following are the necessary documents.

• Driver’s license
• Vehicle registration certificate (Mulkiya Certificate)
• Copy of your residence visa and passport
• Emirates ID
• GCC-certification
• No claim certificate 

To file a claim, you should get a police report; after that, you have to inform your insurance service provider about the incident. Also, you have to provide the necessary documentation, including the police report, photographs, or other related documents. For the motor insurance claim process, you have to follow the insurer’s instructions

Here are a few things to remember while filing your claim

• To pay the court fee, it is 7.5% of the claim’s value, up to a maximum of AED 30,000

• While submitting your files, check every document is in Arabic or translated into Arabic..

Comprehensive motor insurance policy mainly cover vehicle damage and third-party liabilities. However, the policy doesn’t add coverage for personal injuries carried by the policyholder or passengers. To safeguard against medical expenses and injuries, additional coverage, such as personal accident insurance, will be recommended..

In the UAE, motor insurance is mandated under Federal Law No.6 of 2007 to ensure that all drivers are financially protected in the event of an accident. In case of property damage or injuries to third parties, it helps to cover the costs of vehicle damage, medical expenses, and third-party liabilities. Motor insurance ensures that drivers have enough coverage, mitigates financial burdens, and holds drivers accountable for damages that happen from accidents. In the UAE, there are two different types of motor insurance:

• Comprehensive insurance
• Third liability insurance