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, vehicle registration certificate (Mulkiya certificate), driver’s license and other details as requested by your insurance company.

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

• A minimum fine of AED 500
• Accumulation of traffic black points on your driving record,
• Impoundment of your vehicle,
• Suspension of your driving license, and
• Imprisonment

If you have black points on your driving record, vehicle insurance companies may charge you a higher premium for insurance coverage.

In the UAE, it is mandatory to have valid motor insurance and a valid driver’s license to legally operate a vehicle. The law requires all vehicles to be covered by third party liability insurance, which provides coverage for damages or injuries caused to third parties in the event of an accident.

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

• No claim discount: In the UAE, a No claims discount (NCD) is a reward offered by insurance companies to policyholders who have not made any claims during their previous insurance period. The discount is applied to the renewal premium and encourages safe and responsible driving.

Motor insurance premiums in the UAE are calculated by

• Vehicle value—The key factor is your vehicle’s market value, which is determined by the initial rate of your motor insurance. High value or luxury vehicles typically attract higher premiums.
• Driver profile—Age and driving experience can affect motor insurance premiums. Younger and less experienced drivers may pay more due to higher risk.
• Type of coverage- The type of repair coverage selected, such as agency (dealer) repair or garage (non agency) repair, can significantly affect the motor insurance premium. Agency repairs typically lead to higher premiums due to higher repair costs.
• No claims discount (NCD): Drivers with no prior claims may receive discounts on their premium.

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

• Driver’s license
• Vehicle registration certificate (Mulkiya Certificate)
• Emirates ID
• No claim certificate

To file a claim, you should get a police report; after that, you must inform your insurance service provider about the incident. Also, you must provide the necessary documentation, including the police report, photographs, or other related documents.

From motor insurance companies to brokers and online platforms, you can secure motor insurance smoothly. It’s a better way to differentiate motor insurance quotes and coverage choices from various providers to find the best policy for your needs. For obtaining motor insurance in the UAE, you can research insurers online, such as

• Check the motor insurance company’s reputation by comparing it with its competitors.
• Find out about the motor insurance company’s experience in this field.
• Follow them on social media for the relevant and useful information.

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