FAQ's

1. HOW TO FILE FOR A CLAIM?

First, file a police report and take photos of the vehicle damage if possible. Then, submit essential documents like your Emirates ID and policy schedule to the insurance company. Once they review and approve your claim, you can proceed with repairs at an authorized garage or dealer.

To cancel your insurance policy, contact your insurer and request a cancellation, stating your reason. Submit the required documents, and once approved, share your bank details to receive a refund for the unused policy period.

To buy insurance for a new vehicle, you’ll need your driving license, Emirates ID, showroom invoice, and vehicle clearance certificate. If it’s a bank purchase, the bank LPO is also required. For cash purchases, the vehicle’s value must be clearly stated.
A door plate number is used to identify a car built to GCC specifications. Located on the driver’s side door, it’s a blue/black sticker which includes details like the chassis and engine number.
If your insurance expires before renewal, you can still renew it by providing documents like a passing certificate and recent photos. However, if you delay registration renewal, a late fee of AED 25 per month will apply.

To get insurance for a second-hand vehicle in the UAE, you need to submit the old Mulkiya (registration card), Emirates ID, valid driving license, passing certificate, and the showroom invoice as proof of purchase

Note: Insurance is not transferred automatically when buying a used vehicle—you will need to purchase a new insurance policy.

To get comprehensive insurance after having third-party insurance (TPL), you’ll need to submit the vehicle passing certificate, current dated photos of all four sides, and in some cases a running engine video; note that if the car is older than 2007, only third-party insurance is allowed.

Current dated pictures and a running engine video are needed to verify the vehicle’s condition, prevent fraud, and confirm it’s operational. These requirements help ensure accurate coverage and protect both the insurer and policyholder.

The Orange Card typically costs between AED 150 to AED 200 for one trip if purchased directly at the Oman border. However, some insurance providers like Watania Takaful offer it for around AED 300 for year-round coverage.

The cost of renewing or registering the Mulkiya (vehicle registration) in the UAE varies depending on the vehicle’s type, age, and the emirate. Typically, the fees range from AED 300 to AED 500.

To register a vehicle under a company name, you will need to provide the company’s trade license, Emirates ID, company vat certificate, valid driver’s license, Mulkiya (registration document), and valid insurance. After submitting all these documents, you will receive the insurance, and then you can proceed with the vehicle registration.

Your car insurance premium may increase due to factors such as general market trends or inflation, changes in risk factors like an increase in accidents or repairs, adjustments in coverage or policy terms, or changes in your vehicle’s age or location.

Insurance for electric vehicles (EVs) tends to be more expensive than for regular cars due to the higher repair and replacement costs for specialized parts, limited availability of spare parts and repair shops, and the increased risk associated with battery-related issues or accidents.

Comprehensive insurance for an older car may not always be cost-effective, but it’s recommended if you want coverage for damages to your own vehicle, if you drive in high-risk areas, or if the car still holds significant value.

Yes, your claim can be rejected even if you have comprehensive cover if the policy conditions are violated (such as driving under the influence), if the damage is deemed intentional or fraudulent, if the incident falls outside the policy coverage, or if the vehicle is being used for unauthorized purposes.

Switching insurance companies can be beneficial as it may save you money, especially if you find a more competitive premium or better coverage. However, staying loyal might reward you with benefits such as No Claim Discounts (NCD) or discounts from your current insurer.

If your spouse is the registered owner of the vehicle, they can be listed as the policyholder even without a valid driving license, as long as a “main driver” is declared — usually you or another licensed driver who will be operating the vehicle. A main driver declaration form must be completed, identifying who will actually be driving the vehicle.  The declared driver must have a valid UAE driving license.

Yes, you are required to have valid insurance on the vehicle as long as it is still registered in your name. However, you can cancel the insurance once the car is sold and the ownership is transferred to the new owner.