- Steps to Transfer Car Insurance in UAE
- Important Things to Know Before Transferring Car Insurance
- FAQ
Need to transfer car insurance in the UAE? This guide makes moving your car insurance from one person to another simple. Learn the steps, documents, and key things to know for a smooth switch.
Moving your car insurance from one person to another in the UAE doesn't have to be hard. Whether you are selling your car or just need to update who is covered, knowing the right steps makes the process easy. This guide will walk you through everything you need to do to successfully transfer car insurance in the UAE, making sure your vehicle stays covered and legal.
Steps to Transfer Car Insurance in UAE
Follow this easy process to move your car coverage safely and without any trouble. It's important to do these steps in order to make sure the transfer of car insurance goes smoothly.
Prepare Required Documents
Before you start, gather all the papers you'll need. Having these ready will save you time and make the process faster. Make sure all documents are current and easy to read.
Current car insurance policy: This is proof of your active insurance cover. You will need details from it.
Vehicle registration card (Mulkiya): This card shows who owns the car and its important details. It's the official record of your car.
Emirates ID copies for both persons: Both the current policyholder and the new person receiving the car insurance transfer must provide their Emirates ID. These IDs prove who they are.
Proof of ownership transfer: If the car itself is changing owners, you must show papers that confirm this. This could be a sale agreement or a transfer of title document. This step is key if you are selling the car to another person.
Contact Your Insurance Provider
Connecting with your insurance company is the first real step in the transfer car insurance process. They can give you exact details and tell you what forms to fill out.
Call or email your insurance company: Reach out to the company you currently have your car insurance with. Tell them you want to transfer the car insurance from one person to another.
Provide all document copies: You may need to send copies of the documents you gathered earlier. This can often be done digitally, like through email or their online portal. Some companies might ask you to bring them in person.
Ask about policy change fees: It's a good idea to ask if there are any costs for this transfer. These fees are usually small, like 150 AED or 150 SAR, but it's always best to be sure.
Sign New Policy Papers
Once the insurance company agrees to the car insurance transfer, there will be some paperwork to complete. This makes the change official.
Both people must sign updated forms: The person giving the insurance and the person receiving it will both need to sign new or updated forms. This confirms that everyone agrees to the transfer of car insurance.
Confirm the new start date: Make sure you know when the new policy details will become active. This often matches the day the transfer forms are signed and processed.
Review the new details: Check all the information on the updated policy. This includes names, car details, and the new policy term. Make sure everything is correct to avoid problems later.
Update RTA Records
After you've dealt with the insurance company, the next important step is to tell the Roads and Transport Authority (RTA) about the change. This keeps your vehicle registration legal and up-to-date in the UAE.
Visit an RTA service center or use their app: You can go to any RTA service center in person. Many RTA services are also available through their mobile app, which can save you time.
Submit proof of insurance transfer: You will need to show the RTA that your car insurance has been successfully transferred. This could be the updated digital or paper insurance certificate.
This keeps your vehicle registration legal: Updating RTA records is vital. It makes sure that your car is officially recognized as having proper insurance coverage under the new person's details. Without this, your vehicle registration might become invalid.
Important Things to Know Before Transferring Car Insurance
Keep these points in mind for a smooth experience when you transfer car insurance. Understanding these details can help you avoid surprises and ensure everything goes well.
Costs Involved
Transferring insurance is usually not as costly as buying a brand new policy.
Expect small fees: Insurance transfers may cost around 150 AED or 150 SAR on average. This is a processing fee, not the full price of a new policy. These fees cover the administrative work of changing the policy details.
No need to pay full new policy price: You typically do not need to pay for a whole new car insurance policy, unless the car itself is changing ownership to someone who then needs their own separate policy. The transfer largely updates the existing policy details.
Ask your provider: Always confirm the exact amount with your insurance provider. They can give you the most accurate cost details for transferring car insurance.
Time Required
Knowing how long the transfer takes can help you plan and avoid any gaps in coverage.
Transfer usually takes 1-2 days: Once all your documents are submitted and all parties have signed, the actual transfer process usually takes about one to two business days to complete.
Plan for deadlines: If you have a specific date by which the transfer must be done, start the process early. For instance, if you are selling your car, complete the car insurance transfer before the sale is finalized.
Avoid lapses in coverage: Starting early also helps you make sure there is no time when your car is not covered by insurance. A lapse in coverage can lead to legal problems.
Key Rules and Limits
It's important to understand the simple rules and limits that apply to transfer car insurance in the UAE.
Both persons must consent: The transfer of car insurance requires full agreement from both the original policyholder and the new person. This consent is usually confirmed through signatures on the new policy forms.
The original policy must be valid and active: You can only transfer an car insurance policy if it is currently active and has not expired. You cannot transfer a lapsed or cancelled policy.
Claims history stays with the original holder: Your driving and claims history, also known as your No-Claims Bonus (NCB), usually stays with you, the original driver. It doesn't typically transfer to the new person receiving the car insurance.
FAQ
Here are answers to some common questions about how to transfer car insurance from one person to another in the UAE.
Q:Can I transfer car insurance if I’m selling my car?
A:Yes, you can. However, the process involves a few steps. First, you'll need to update the car's ownership with the RTA. Then, the new owner must get their own car insurance policy. The existing policy usually cannot be directly transferred to the new owner. They need to secure new coverage to avoid legal issues and ensure they are properly insured from the moment they own the car. This is why it is usually easier for the new owner to simply buy their own insurance right after the sale.
Q:What happens to my no-claims bonus during a car insurance transfer?
A:Your No-Claims Bonus (NCB) is like a reward for safe driving, and it usually stays with you specifically. When you transfer car insurance from yourself to another person, your NCB does not automatically transfer to that new person. It remains with the original holder, the one with the good driving record. However, in some special cases, if the insurance provider agrees in writing, there might be exceptions, but this is rare.
Q:Do I need a new car insurance policy number or a new ID?
A:No, typically the original policy number sometimes stays the same but the details linked to it change. The policy details, like the name of the insured person, will be updated. You won't get a completely new policy number. What you will get is an updated car insurance certificate, either digital or paper. You must always carry this updated certificate as proof of your current and valid car insurance coverage.
Q:Can I transfer my car insurance online using an app?
A:Yes, many leading insurance providers in the UAE now offer online services through their mobile apps or websites. This makes the transfer process very convenient. You can often upload all your necessary documents digitally and even e-sign required forms. Using an app or online portal can make the process of transferring car insurance much faster and easier than going to a physical office.
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