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Car Insurance Renewal Procedure In the UAE

Written by Huma

Getting reminder for Car Insurance Renewal ?

Car Insurance companies have defined and locked a limit for renewal that is usually after full-year, but some police providers have modified this renewal rule from annually or semi-annually.

Many drivers are tempted to stick to their old auto protection policy in order to save time and money. But doing so they lost various new perks and incentives that UAE insurance laws have formulated for the car owners.

Some frequently asked questions were discussed below,

Q) When is the right time to renew?

Auto insurance policies in the UAE grant cover for a 13-month period.
The additional month is a mandatory requirement as per UAE traffic laws.
1. When you are close to the 12th month of your current policy, this is when your existing insurance company will reach out to you with a notice to refresh the policy with them.
2. It’s now that you will be making a decision of whether to renew the same policy or look out for other options.

Most of the auto insurance clients aren’t well aware of the reality that staying with their current insurance provider after a year can turn out to be more expensive. 

 Now with
the help of digitalized car registration or renewal policy and government movement
towards ‘Smart city Initiatives’ services have made the procedure a piece of

BuyAnyInsurance always being
proactive in their informative content presents you all the known to unknown
facts of car insurance renewal laws, that can clear your clouds of puzzlement.


Whenever it is the time of car insurance renewal always prepared a checklist with yourself where you have jotted down all the right and relevant documents in order to get away from unnecessary delay or hassle.

documents that an individual must have during renewal are

  1. Passport or visa copy
  2. Emirates identification card (ID card)
  3. UAE driving license
  4. Vehicle registration details

Pay your
Traffic Fines:

During traffic violation the number of fines that is under your account if any, should be paid on time before the renewal.

only it will clear your name form outstanding fines but also accelerate your
renewal process.

For your convenience, now you can easily pay your dues online through the RTA website or through the Dubai RTA app on your phone.

Get Your No-Claim Discounts:

Having No-Claim discounts in your auto protective coverage can cut down the significant amount in drivers’ monthly car premiums.

During your insurance renewal process, you can avail of this or make this part of your new policy.

you have not been involved in any traffic violation or accident for the past
couple of years then its high time to get your reward for being a good driver
and not making any claims under your existing policy.

Test Your Car:

The new automobiles in the UAE, that are less than three years old do not have to undergo an in-car testing process.

If these cars are older then the limit then they have to visit the RTA site and get it tested. A passed certificated is given to those cars who have clear the test and considered roadworthy.

criteria of the passed certificate are based on treatment of

  1. The tyres
  2. Steering
  3. Brakes
  4. Chassis attachments

whole process takes good 30 to 40 minutes depending upon the car you possessed.

you bounded anywhere else then you call the RTA testing center to inquire about
your premium services.

Method for Car Insurance Renewal Policy:

In the UAE we got two alternatives to get our car-renew

  1. Online Process:

For car, registration visit the Dubai RTA website. Submit all the necessary documents online and confirm the registration procedures.

You will receive the notification to get your new policy from
the office or couriers.

The application for registration is processed within five
working days after the payment has been made.

  • In-Person Process:

 In this method, you
have to get in the line and wait to get your car renewal at the registration
center and then pay the renewal fees.

You get the renewed registration card with expiration date is
mentioned in the sticker.

Place this sticker on the rear number plate of your car on
the old plate.

The Factors to calculate your Car premium:

The car insurance renewal premium may be the same or differ based on some factors.

It is recommended to learn and observe how your car
premium is calculated.

Several variables are involved while calculating the
premium rates of any car. Mostly the insurance companies include;

  • Car type/specification
  • Features like a car model.

For instance, car-like SUV or any sport, cars have
more premium coverage as compare to others. However, there can be another
reason but none the less, all these elements are taken into account when adding
or subtracting from the auto premium policies.

Decision to Change Cover or Not:

The car insurance renewal process gives you an edge to decide which policy cover suit your car need the best.

to your exiting/old policy seems like less effort and hassle but your close focus
on new reasonable add-ons or insurance coverage plans can let you decide easily.

Evaluate comprehensive and third-party insurance to seek the best deals and packages.

  1. If your car is new, then the comprehensive cover is best for you.
  2. For old or repaired car basic third-party insurance is good enough to pursue.

Trading auto insurance companies, benefit you in the long run as you can save a significant amount of money on your premium and get affordable coverage plans.

Renew your Car Before the Grace period:

After your car registration expires by the law you get 30 days grace time period to get your car-renew again.

you failed to do this under this time period you will have to face severe penalties.


The UAE government make the car insurance renewal process very convenient for the users in order to promote insured cars and roadworthy driving.

Car owners in Dubai and Abu Dhabi can take a relive breath as now the insurance authorities have made the car registration renewal process comparatively easier and flawless.

Originally published Oct 26, 2019 12:18:23 PM, updated May 12, 2021

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