You can buy and renew car insurance online and offline in the UAE. However, it is always advisable to get the input of a reliable broker before completing any such transaction. Moreover, vehicle owners in Dubai and other parts of the UAE must mandatorily renew their insurance plans after the passage every 12 months.
After the expiry date, car owners in the Emirate of Dubai will have a 30-day grace period for renewing their car insurance. At the same time, the car insurance renewal procedure is also relatively straightforward. However, you will need the guidance of reputed insurance brokers in Dubai to navigate the process without hiccups.
What else should you know about renewing car insurance in the UAE?
The 12-month duration includes one extra month, called the grace period. Car owners may renew offline or at the RTA’s official website with the assistance of their insurance brokers. However, failure to renew within the grace period leads to hefty fines for late registration or vehicles getting confiscated by the authorities. Therefore, it is always ideal if the car insurance policy is renewed prior to the expiry date of the present policy.
You should always go through the features of the policy before renewal. You should also ensure you require all the features you have chosen for the insurance plan. Also, check optional add-ons and features which you may need. Account for activities like off-roading if you are planning to embark on the same. You may also consider getting coverage for other accidental collisions and diverse scenarios that may happen on the road.
You should also check whether you are satisfied with your car insurance provider. If you are not, you can always ask your broker to help you find other options that suit your needs. On the other hand, if you are satisfied with your current plan and provider, you can renew the same with assistance from your broker. Your broker will also help you calculate the premium for your policy. The premium is calculated based on factors like the driver's age, car model, make and value, total driving experience, claim history, traffic violation records, and driving history.
As per the UAE Insurance Authority, drivers who did not raise claims on car insurance in the policy period will get no-claim discounts of 20%. The insurance company offers this bonus as a reward for safe driving. You will have to get help from your broker to obtain the no-claim certificate from the insurer. This also helps you lower your premium. Driving a car without getting suitable insurance may lead to fines of AED 500 and four black points. The vehicle may be confiscated for seven days as well. Hence, you should always renew your car insurance policy on time.
If you renew your car insurance, you will require the no-claim certificate and the earlier car protection policy number if you have the same. Other documents may be required, similar to those needed while purchasing car insurance in the UAE. Get the help of your broker with the entire car insurance renewal procedure. You can get the best possible plans for your perusal if you wish to change your insurance provider, along with guidance on all other crucial aspects outlined above. Gargash Insurance is the best brokerage for your needs in the UAE. You can expect trust, reliability, and quality solutions above everything else here.
