Car Insurance Renewal in UAE: What You Need to Know (2025)

Car Insurance in UAE: What's Required

All UAE vehicles must have at least third-party liability (TPL) insurance. Without valid insurance, you cannot renew your vehicle registration (Mulkiya).

How to Renew Car Insurance

1. Compare quotes online — Use aggregators like PolicyBazaar UAE or Yallacompare, or go directly to insurers (AXA, Oman Insurance, Sukoon).
2. Review coverage — Ensure your new policy matches or exceeds previous coverage.
3. Purchase and receive policy — Issued instantly for digital renewals. PDF certificate received immediately.
4. Use insurance for Mulkiya renewal — Submit your insurance certificate with your vehicle registration renewal at RTA.

Average Insurance Costs (2025)

Coverage Type	Annual Cost (AED)
Third-Party Liability (TPL)	AED 600–1,200
Comprehensive	AED 1,500–5,000+

Consequences of Lapsed Insurance

Driving without valid insurance: AED 500 fine and 4 black points. Vehicle impoundment is also possible.

Tips to Save on Renewal

• Request your No Claims Discount (NCD) certificate from your previous insurer before switching (5–25% discount)
• Compare at least 3 quotes before renewing
• Consider increasing your voluntary excess to lower your premium

FAQ

Do I get a no-claims discount?

Yes. Most UAE insurers offer NCD of 5–25% after each claim-free year.

Can I insure a car not in my name?

You can be the primary driver, but the registered owner is typically the policy holder.