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What Are The Essential Documents Required For Car Insurance?

Written by Maryam Afzal

As you might know, car insurance is mandatory in the UAE. If you are also planning to buy a car and are wondering what are the documents needed, then this is the perfect blog for you as it provides all the relevant information. We will also be discussing documents needed for car insurance transfer.

A lot of people in the UAE buy second hand cars or want to sell their car. Did you know that it is important to transfer your car insurance papers to the new owner so that there is no problem for you or the new owner later. There are two main types of car insurance – comprehensive car insurance and third-party car insurance.

 Documents needed for car insurance

The following are the documents that you would require if you are planning to get a new insurance plan for your car –

  • Driver’s license

You need a valid copy of the car registration of the car you’d like to insure. If you want to get a homeownership discount, bring proof of homeownership, which can come from tax documents or a homeowner insurance policy.

  • Current declaration page

The present Declaration page is essential if you already have a car insurance policy and are looking to get a new one. It helps the insurers find what coverage you currently have on your car and gives a quote accordingly. In some cases, insurers will only ask for this document to fetch other details from your prior insurance histories.

  • Vehicle registration

You need a valid copy of the car registration of the car you’d like to insure. If you want to get a homeownership discount, bring proof of homeownership, which can come from tax documents or a homeowner insurance policy.

Apart from these, you might also require – 

  • Recent photograph 
  • Old car insurance policy number 
  • Credit or debit card details for online payment 
  • Pollution test certificate 

Documents needed for third-party claim 

For third party car insurance claim, you need the following documents – 

  • Tax receipts 
  • Signed claim form 
  • Driving license copy 
  • Estimated car repair bill 
  • Insurance policy copy 
  • Police Report 
  • Car inspection address 
  • Car registration certificate copy 

Now that you know all about car insurance and the documents needed for it, let’s move on to the second part of this blog i.e. – how to transfer car insurance and documents needed for car insurance transfer.

How to transfer car insurance?

It is really easy to transfer your car insurance to the new owner. The process is fairly simple and hassle free. All you have to do is collect all the required documents and submit them online. Keep in mind that there is a deadline on the transfer of insurance after the process of ownership transfer has been initiated so make sure that you are prompt when it comes to transfer of car insurance from one person to another. If you don’t transfer the car insurance to the new owner in due time, it will be considered null and void.

Documents needed for car insurance transfer

Following are the documents that you would need for car insurance transfer to a new owner –

·         No Objection Certificate (NOC) from the previous owner

·         Document/Certificate of existing insurance policy

·         Registration certificate

·         Application form (filled)

·         Car inspection report

·         Emirates ID/Passport

·         Buyer’s driving license

·         Registration certificate of the car with the name of the new owner

·         Inspection report of the vehicle (to be scheduled and done within the last 24 hours of filing the transfer)

Once all the documents are in place, the buyer and the seller need to settle on premium charges, transfer fee (this needs to be paid by the buyer), and insurance discount claims. 

Why do you need to transfer the car insurance?

There are two main reasons why you need to transfer car insurance –

  • To get away from traffic fines

Not transferring the car insurance to the new owner may land you in legal trouble. As per the law in the UAE, it is illegal to drive a vehicle without valid insurance. Valid insurance means that both the registration of the vehicle and the car insurance have to bear the same name. In case of discrepancy, the insurance will be considered null and hence will lead to hefty traffic rules violation fines.

  • To retain no-claim bonus

Once you have transferred the insurance to the new owner you can easily enjoy the no-claim bonus. You need to inform the insurance company and get a no-claim bonus retention certificate at the time of transferring the insurance. No Claim bonuses are not transferable from one person to another or from the previous owner to the new owner. 

What happens if car insurance is not transferred?

If you don’t transfer the insurance to the new owner, it may land you in legal trouble. From the buyer’s point of view, the absence of valid insurance for the car you are driving which is registered under your name will lead to legal actions. It is illegal to drive a vehicle without at least proper third-party insurance. From the buyer’s point of view, the absence of valid insurance for the car you are driving which is registered under your name will lead to legal actions. It is illegal to drive a vehicle without at least proper third-party insurance. If in case you meet with an accident, and file a claim without the transfer, the insurance company will not be liable to pay for your or the third-party damage (if you are at fault).

Car insurance is mandatory in UAE; all drivers must have valid insurance to avoid fines. It is also vital since your car is covered against unavoidable circumstances such as theft, accident, and other damages to your vehicle. In the UAE, a car insurance policy is a must-have document. But do you know what documents you need to buy car insurance?

What Are The Essential Documents Required For Car Insurance?

FAQ

What are the documents required for vehicle insurance renewal

Following are the documents required for the vehicle insurance renewal:

  • Passport / ID card
  • Recent Photograph
  • Driving License
  • Vehicle registration number
  • Pollution test certificate
  • Old car insurance policy number
  • Credit or debit card details for online payment

What are the documents required for a third party insurance claim?

Following are the documents required for a third party car insurance claims as mentioned below:

  • Signed Claim form 
  • Tax Receipts
  • Insurance Policy copy
  • Driving License copy
  • Car Registration Certificate copy
  • Estimated Car repair’s Bill
  • Original car repair’s Bill
  • FIR copy
  • Car inspection address

How Much Does Car Insurance Cost in Dubai, UAE?

Car insurance in Dubai costs around 1.25% to 3% of the car’s original value.

Related Articles:

A to Z Guide: Everything you need to know about driving a car in Dubai

Calculate Car Insurance Premium Online in the UAE – BuyAnyInsurance

Understanding Your Car Insurance Deductibles

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    Originally published Mar 11, 2021 13:34:00 PM, updated May 09, 2024

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