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What is Car Insurance?

Auto Insurance (also known as Car Insurance or Motor Insurance) is a contract between you and an insurance company where you pay a regular fee (called a premium), and in return, the company agrees to pay for certain financial losses related to your vehicle as outlined in the policy.

In simple terms, it is a form of protection that helps cover the costs if your car is damaged, stolen, or if you cause damage to someone else’s property or injuries to other people.

There are two main types in the UAE:

1. Third-Party Liability Insurance:This is the minimum legal requirement. It only covers the damage and injuries you cause to other people and their property. It does not cover any repairs to your own car if you are at fault.
2. Comprehensive Insurance:This is the best coverage. It includes Third-Party Liability and also covers damage to your own vehicle from accidents, theft, fire, vandalism, and natural disasters (like floods), even if you are at fault.

Documents Required for Car Insurance in the UAE

The documents needed depend on whether the car is registered under a single person’s name or a company name.

1. For a Single Person (Individual Registration)

This is the most common scenario. You will typically need:

1. Vehicle Registration Card (Mulkiya):The most important document. It shows the vehicle details and the owner’s name.
2. Driver’s License Copy:Of the main driver(s) to be covered by the policy.
3. Emirates ID Copy:Of the car owner.
4. Passport Copy with Visa Page:Of the car owner.
5. Previous Insurance Policy No Claims Discount (NCD) Letter:If you are switching insurers, this letter from your previous company proves your claim-free history to get a discount on your new premium.
6. For a Company Name (Corporate Registration)

When the vehicle is owned by a company, the requirements are slightly different:

1. Vehicle Registration Card (Mulkiya):Must show the company’s name as the owner.
2. Trade License Copy:Of the company that owns the vehicle.
3. Company Representative’s Emirates ID & Passport Copy:The person authorized to handle the insurance purchase for the company.
4. List of Drivers (Optional but recommended):Some companies provide a list of employees who will drive the car to get more accurate premiums. Otherwise, the policy may default to covering “any driver,” which can be more expensive.
5. Previous Insurance Policy & NCD Letter:Same as for individuals.

Summary Table: Documents Needed

Pro Tip for a Fast Process: The easiest way to get insured is to use an online insurance aggregator like www.quickapplyuae.com These site allow you to:

1. Enter your details once.
2. Compare quotesfrom multiple insurance companies side-by-side.