Introduction
Most people ask questions like: Is it mandatory to have car insurance in UAE? Or, Are there certain rules that need to be followed while buying a car in UAE? Well, while they are not required by law, there are certain steps that need to be followed before you buy a vehicle. This article will answer your queries and give you an idea as what is required during the process of buying a vehicle.
As a new expat to the UAE, you are probably wondering, "Is it mandatory to have car insurance in Dubai?" You might be surprised to find out that you don't even have to get car insurance in the first place! That said, I think it's important for you to know whether or not it's mandatory or helpful before you get your license and drive around Dubai.
Is it mandatory to have car insurance in the UAE?
The answer is yes, it is mandatory to have car insurance in the UAE. However, there are some nationalities that do not need to have it. For example, if you are a British citizen, or any other nationality with a driving licence issued in the UK or Ireland, you don't need to have vehicle insurance in the UAE.
It's also essential to note that if you live in Dubai or Abu Dhabi and drive on their roads without having your car insured, then you can be fined up to Dh10,000 by local authorities.
How is the value of your car calculated?
If you do not own a car and are staying here for less than 6 months, it is not mandatory to have car insurance in UAE. However, if you wish to drive here, you should consider getting some form of cover.
How is the value of your car calculated?
The value of your car will be calculated based on what it would cost to replace it with a similar model. It is important to note that this will only apply if you are buying a new vehicle or have never owned one before. If you have owned a car previously, then the value could potentially be higher than this amount.
What type of cover do I need?
You can choose from several types of cover when purchasing car insurance in UAE:
No claims bonus (NCB) – This type of cover allows you to claim for any damages caused during an accident up to your policy's limit without paying out anything extra. You need this kind of coverage if you plan on driving without any accidents taking place.
Third party motor insurance – This type of coverage protects other people who might be involved in an accident with your vehicle up to their personal limits.
Are you required to have third-party coverage?
Are you required to have third-party coverage?
Third-party insurance is a requirement in many countries, including the United Arab Emirates. It's important to understand what this type of insurance covers.
In most cases, third-party insurance protects you against damage caused by someone else when you're the victim of an accident or theft. For instance, if you're involved in an accident and your car is damaged by another driver, it's likely that your own insurance provider will pay for that damage. But if your car is damaged by another driver and your own auto insurance doesn't cover it, then third-party insurance should kick in and help pay for the cost of repairs.
Some people also use third-party coverage for personal liability purposes — which means that if someone else injures themselves on your property or damages your property because they weren't aware of your presence and didn't give you adequate warning, then third-party coverage could help cover their medical bills and lost wages as well as any other expenses related to the accident.
Does it matter who is driving my car?
You need to have insurance, whether you are driving in your own car or someone else's. The same rules apply to all drivers, regardless of who is behind the wheel.
It is important that you have some type of form of insurance for all vehicles. This includes motorbikes, mopeds and other types of vehicles you may use on a daily basis.
There are different types of personal policies available from leading insurers in the UAE that can provide cover for your vehicle as well as other assets such as your home and investment properties. The right policy will ensure that you are covered if an incident occurs while either you or another driver are on the road.
If you are unsure whether it is possible to obtain a policy through your bank or credit card company, then speak to one of our advisers who will be able to help you find an affordable solution that suits your needs.*
What happens when you drive with an expired license or permit?
Driving with an expired license or permit is not a big deal in the UAE.
In fact, you can drive with an expired pass for up to 30 days after the expiry date. However, if you want to renew it before its expiry date, you will need to go through a process which involves paying a fee and taking your test again.
The minimum age for driving licenses is 16 years old and the maximum age is 21 years old. You can get your license at any time after turning 16 years old provided there are no restrictions on your driving license by law or by insurance company.
If you have a learner’s permit, then your license will expire when your learner’s permit expires or when you reach 21 years old if you have finished your lessons and passed all tests successfully.
What happens if my policy lapses or it get cancelled by the insurance company?
In the UAE, it is mandatory to have car insurance. You can get a policy from an insurance company or opt for an exclusive driver's license.
What happens if my policy lapses or it get cancelled by the insurance company?
If your policy lapses or gets cancelled, you will be charged with a fine and be required to pay the money back within 30 days. If you fail to do so, the insurance company can cancel your driver's license for up to three months.
What if I’m injured in a car accident?
If you’re injured in a car accident, you will be taken to the nearest hospital. If you live in Dubai or Abu Dhabi, this will most likely be the Zayed hospital. But if you live in Sharjah or anywhere else outside of Dubai, your hospital choice will depend on where the accident happened.
If you were hurt by someone who was driving his own car and was insured under their own policy, then he can take you to his preferred hospital. If he has no insurance coverage (which is very common), then he must take you to the nearest government hospital where they will treat him free of charge.
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