Did you know that driving without car insurance in Dubai can lead to a penalty of AED 500 and four black points? Whether you’re a new driver, an expat, a long-term resident, or a tourist in Dubai, understanding how to buy car insurance is essential if you want to drive in UAE, so don’t miss this car insurance buying guide.
In this car insurance buying guide, we’ll walk you through everything you need to know about how to get car insurance for UAE vehicles and non-UAE vehicles in Dubai. From the first steps, when to buy, and to the best places to purchase your policy, we’ve got you covered.
Frequently Answered Questions
1: Do you need a driving license to purchase car insurance in the UAE?
Yes, per UAE laws, you must provide a valid driving license, residential visa, and passport to purchase car insurance in the country.
2: What documents are required to buy insurance for a used car in Dubai?
To insure a used car in Dubai, you should have a valid Emirates ID, driver’s license, Mulkiya (vehicle registration card), and the documents regarding the previous insurance coverage.
3: Is it safe to purchase car insurance online?
It is quite safe to buy online car insurance from trusted sources. Make sure to check the provider is regulated by the Government of Dubai and the Central Bank of the UAE.
4: How can I check a car insurance policy online?
You can check the details on the Lookinsure website. Once you input your details and register, the system automatically checks for insurance history online.
5: As a tourist, what documents do I need for buying car insurance?
When purchasing car insurance policies in the UAE, you need a UAE ID as a UAE national, a passport and residence visa as a foreign traveler, a valid UAE driver’s license (or valid international one), the Vehicle Registration Certificate (Mulkiya), your bank statements, and confirmation letter for GCC-specified cars.
6: Is Insuring Electric Cars Different from Regular Cars?
Third-party liability insurance is mandatory for electric cars as well. Several insurance providers have introduced specific plans for electric cars, which are identical to petrol-powered vehicles.
Key Takeaways: Comprehensive vs Third Party Insurance
Lookinsure is all about making the best of your time and money; so, here’s a short version (TLDR or Too Long, Didn’t Read) of all the points on car insurance buying guide.
1: Assess Your Coverage Needs
Evaluate your car’s worth and your driving habits to determine the appropriate level of coverage.
2: Compare Offerings
Our platform allows you to easily compare quotes from multiple insurance providers side-by-side.
3: Read Customer Reviews
Make use of our integrated review system to gauge the reliability and customer satisfaction of each insurance company.
4: Examine Coverage Options
Look beyond the basic policy to ensure all potential risks are covered. Consider valuable add-ons that might be crucial for your situation.
5: Understand the Claims Process
Choose an insurance provider with a good reputation for efficient and hassle-free claims handling. We provide clear information on each company’s claims process to help you make an informed decision.
How to Get Car Insurance?
When it comes to obtaining car insurance, timing is everything. Many vehicle owners make the mistake of leaving this important decision to the last minute, often resorting to purchasing insurance at kiosks next to Vehicle Inspection Centers. We have prepared the best car insurance buying guide to cover the basic pros and cons of the available methods. Of course, who wouldn’t like to know how to get cheap car insurance. Check out our guide for the most practical tips. It’s essential to compare different car insurance policies and know how to choose car insurance that offers sufficient protection and suitable price.
Vehicle Inspection Centers
This is the last resort before an inspection and it’s far from ideal. This forced approach leaves you with little room for negotiation and choice and forces you to accept whatever terms are offered on the spot. This potentially results in higher premium costs and inadequate coverage.
Approaching Every Insurance Company
A more strategic approach is to start your insurance hunt in advance. For this, you need to contact individual insurance providers directly, but this can be time-consuming and overwhelming.
There are currently 62 insurance provider companies in the UAE, so the process will be time-consuming and potentially expose your private data. You’ll need to provide each company with detailed information about your vehicle and driving history. You also need to spend considerable time and effort comparing quotes and negotiating terms with each representative without a car insurance buying guide. Since it is an important topic, we’ve written a guide on what is the fine for not having car insurance and by studying it, you can easily avoid unnecessary penalties.
Online Insurance Platforms
With so many options to choose from, how do you get insurance for a car? The most efficient and cost-effective method is using an online insurance comparison site. These platforms have revolutionized the car insurance market in the UAE, offering a streamlined process that saves both time and money.
With just two minutes of your time, you can input your information once and receive multiple quotes from available insurers. Some comparison sites offer personalized assistance, connecting you with dedicated “personal shoppers” who go above and beyond to find you the best policy tailored to your specific needs.
| Approach | Pros | Cons |
| Purchasing at Kiosks | Convenience: Quick and easy process. | Limited negotiation: Little room to negotiate terms, potentially leading to higher premiums. |
| Immediate coverage: You can get insured on the spot. | Coverage risk: as a last-ditch effort, you do not have time to go over all coverage options | |
| Approaching Insurers | Customization: Directly contact insurers for personalized quotes. | Time-consuming: Requires providing detailed information and comparing multiple quotes. |
| Potential savings: Negotiate terms and find better deals. | Overwhelming: Dealing with multiple companies can be a hassle. | |
| Online Comparison Sites | Efficiency: Streamlined process. Input information once, and receive multiple quotes. | Lack of personal touch: May not provide personalized advice. |
| Cost-effectiveness: Saves time and money by comparing offers. | No room for personal negotiation: If you approach a provider directly, you may get a better deal. | |
| Dedicated assistance: A personalized touch on how to get comprehensive car insurance |
Where Can I Buy Car Insurance in UAE?
As we talked about before, by leveraging online tools and websites, you’re more likely to find a better deal. With Lookinsure as your guide to buying auto insurance, you don’t have to worry about how to buy car insurance.
Our comprehensive approach allows you to make an informed decision without the pressure of an upcoming vehicle inspection or registration deadline or the complications of filling out pages of forms.
We are one of the online insurance providers in UAE which helps you to discover a suitable plan for your car from different providers in just 2 minutes!
Remember, the goal isn’t just to tick a box for legal compliance. It’s finding out how to get full coverage insurance that protects you financially in case of an accident. So, don’t wait until the last minute.
Start your car insurance journey early, learn how to get auto insurance, compare your options thoroughly, and drive with peace of mind knowing you’ve made the best choice for your needs and budget. Also consider checking the comprehensive vs third party insurance to get a detail of their differences in all processes.
| Benefit | Lookinsure | Conventional Methods |
| Fast and Easy | With car insurance buying guide obtain insurance in less than two minutes. | Time-consuming: Requires comparing multiple quotes. |
| Policy Issuance | Immediate policy issuance with zero wait time. | May involve paperwork and manual processes. |
| Pricing | Exclusive pricing, and discount for payment with Tabby. | The prices are set in stone. |
| Communication Control | No spam calls; you’re in control. | You may receive unexpected calls or texts to upgrade your plan, |
| Process Convenience | 100% online process. | May need to visit the office in person to finalize the purchase, or over a phone call. |
| Insurer Options | Top insurance companies in the UAE. | Most are limited to specific providers. |
| Payment Flexibility | Secure payment options with installment facilities. | Premium payments are required. |
| Environmental Impact | Paperless process. | Some companies issue extensive paperwork. |
| Claims Assistance | Digital claim assistance. | May not cover all legal costs. |
What are the Steps of Buying Car Insurance?
Are you looking for a hassle-free way and wondering how to get comprehensive car insurance? Look no further than Lookinsure! Our streamlined process ensures you can get the coverage you need in just a few simple steps.
Here’s how to buy car insurance online with our user-friendly platform that helps find the perfect policy for your needs.
1: Access Our Website
Go to Lookinsure car insurance page on your preferred device. Our customized cross-platform design ensures a smooth experience across all devices. You can click on the help button to receive instructions on WhatsApp for how to get car insurance.
2: Enter Your Vehicle Details
Input your vehicle’s plate number in the provided form. Need help remembering your plate number? No worries! We offer alternative methods to identify your vehicle, such as searching by brand and model. Just to make sure, check out to see what documents are required for car insurance and then proceed with confidence.
3: Provide Personal Information
Enter your 16-digit Emirates ID or UAE Pass for quick verification. Answer a few questions about your driving license. Input and verify your phone number for secure communication.
Your Personal Car Insurance Buying Guide
Based on your qualifications, we will figure out how to get comprehensive car insurance in just a few seconds. Browse the options and different coverage options. You can ask all relevant questions from our staff online via WhatsApp.
Instant Quotes and Customizable Policies
Once you’ve entered your basic information, Lookinsure’s advanced system springs into action as the perfect auto insurance buying guide:
- Real-Time Quote Generation: Within seconds, you’ll receive instant quotes tailored to your vehicle and driving profile.
- Customization Options: Adjust coverage levels, deductibles, and add-ons to create a policy that fits your exact needs and budget.
When Do I Need to Buy Car Insurance?
Navigating the world of car insurance can be tricky, especially when it comes to timing your purchase, so we categorized the car insurance buying guide based on your status. In this process, pay extra attention to factors that affect car insurance premiums since they have considerable influence of cost of car insurance.
In the United Arab Emirates, car insurance is not just a considerate financial decision—it’s a legal requirement for all vehicle owners. The UAE government mandates that every car on the road must be covered by at least third-party liability insurance, which protects against damage or injury caused to others. So learning how to get car insurance is necessary for all drivers in Dubai.
This legal obligation applies to both residents and visitors driving in the country. Failure to comply can result in a fine of up to AED 500, four black points (demerits), vehicle impoundment, and even legal consequences in case of continued negligence.
As for timing, insurance coverage should be finalized before a vehicle is driven on public roads. For new car buyers, this means figuring out how to get full coverage insurance before leaving the dealership.
Existing owners must renew their policies annually, typically aligning with vehicle registration renewal. By ensuring proper insurance coverage, drivers in the UAE follow the rule of law and contribute to safer roads for everyone.
Remember, whether you’re a tourist, a new driver, or an insurance shopper, timing isn’t just about saving money—it’s about safeguarding your property every time you get on the road. Don’t miss out our guide on no claim bonus in motor insurance since it will help you save a lot on your insurance.
For Tourists Visiting the UAE
As a tourist planning to explore the UAE and access the highways and open roads, getting full auto insurance coverage is a must. So how do you get insurance for a car as a foreign traveler?
- Immediate Coverage: Before you hit the open road, arrange insurance coverage. Don’t wait until you’re behind the wheel, you should be insured from the moment you step off the plane. Accidents don’t just happen on the road. The process of transporting the vehicle can be eventful. Depending on your coverage, the insurance company may reimburse you for damages during transportation. If you are renting a vehicle, most rental car agencies provide temporary coverage. But if you’re driving a private vehicle in UAE, secure insurance before your first drive.
- Legal Compliance: Remember that car insurance is mandatory in the UAE. Without valid insurance, you risk hefty fines and impoundment of your vehicle for a few days. Prioritize legal compliance to enjoy a worry-free journey.
- Temporary Policies: If you’re a short-term visitor, explore temporary insurance options. Some insurers offer policies specifically designed for tourists. These allow you to enjoy the UAE’s roads without committing to a long-term contract.
For New Drivers Licensed in the UAE
Congratulations on obtaining your UAE driver’s license! Here’s how to buy car insurance as a first-time driver:
- Immediate Action: As a new driver, arrange insurance coverage before you start driving on the road. Whether you’re borrowing a family car or purchasing your own, ensure you’re covered from day one.
- Life Changes: Life events like marriage or moving to a new state can impact your insurance needs. Contact your insurer whenever significant changes occur. Adjust your coverage accordingly to stay adequately protected.
- Learn the Basics: Understand the different types of car insurance in UAE—third-party liability, comprehensive, and more. Don’t hesitate to ask questions; informed decisions lead to better protection.
For New Car Buyers in the UAE
If you’re purchasing a shiny new car in the UAE, consider these points from our car insurance buying guide:
- Pre-Purchase Planning: Car insurance should be part of the purchase process. Arrange coverage before driving your new vehicle home. Dealerships and private sellers will require proof of insurance.
- Grace Periods: Some insurers offer grace periods for adding a new car to an existing policy. However, it’s best to secure full coverage in advance to avoid gaps. Protect your investment from day one.
Things might be a bit different for buying insurance for a used car; so make sure your information is fully updated. As a new owner, it is also better to wrap your head around the complications of 1st time car insurance and make sure you go for the best quote out there. If you still haven’t purchased a car or want to buy another, get fully informed on getting car insurance before buying car to find a good deal.
For the General Public
Whether you’re a seasoned driver or a daily commuter, timing your car insurance matters:
- Renewal Review: As your policy renewal date approaches, review your coverage. Shop around for better rates. Don’t risk driving without valid insurance—even a day without coverage can lead to legal and financial trouble.
- Stay Informed: Keep up with insurance trends and regulations. Ask questions when needed. Being well-informed ensures you’re always protected on the road.
Later on you might need some information on how to cancel your car insurance; so why not learn everything about it now and rest assured.
For Insurance Shoppers
If you’re actively comparing insurance options, consider these factors:
- Fast Process: Look for insurers with quick processes. Lookinsure, for instance, offers coverage in under 120 seconds. Efficiency matters!
- Exclusive Pricing: Seek out insurers offering competitive rates. Exclusive pricing can save you money.
- Digital Assistance: Opt for insurers with digital claim assistance. Streamlined support ensures a smoother claims experience.
Neat blog! Is your theme custom made or did you download
it from somewhere? A design like yours with a few simple adjustments would really make my blog stand out.
Please let me know where you got your theme. Thank you