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UAE Car Insurance Myths

Will the insurer pay your medical bills? Or, should you buy insurance from the dealer?

Car owners in the UAE have to pay certain amounts annually in registration and insurance costs.

However, some myths prevail among vehicle owners regarding auto insurance, such as Oman coverage, medical bill in the event of accident, agency repairs, etc.

1. Do accidents cover your medical bills?

When you tick the box for additional personal accident cover when purchasing car insurance, you may assume that this will cover your medical bills in the event of an injury resulting from a car accident. Unfortunately, personal accident cover only amounts to lump-sum payouts in the event of very specific injuries. You can't simply show a copy of your policy document at the hospital if you're injured during an accident - you'll have to rely on your health insurance policy to cover your medical care.

2. Oman cover doesn't entitle you to drive in that country

GCC-wide cover is a common feature of most gold car insurance packages, but what most people fail to realise is that this type of cover doesn't actually allow you to legally drive in another GCC country. What this feature offers is protection against 'own damage' - i.e. damage to your car that you're responsible for. However, with this sort of cover, you're not insured for third-party damage, which is what makes driving in another GCC country with no other type of cover illegal. So if you're going on a road trip to another Gulf country, you should buy basic cover from a local insurer at the border.

3. Mechanical repairs aren't covered by your insurance policy

Another common misconception about motor insurance in the UAE is that your fully comprehensive policy will cover the costs of mechanical repairs in the event that your car breaks down. Unfortunately, that isn't the case. Mechanical repairs may be covered if they're needed after an accident. What's not covered, though, are general mechanical repairs that are needed if your car breaks down or has fallen into a state of disrepair. For that, you'll need a warranty from your dealer.

4. Your car dealer is very unlikely to give you the best insurance deal

It's always tempting when buying a new car to have the dealer arrange everything for you. You simply pay your deposit, fill out some forms, and the dealer will take care of the finance, insurance and registration for you. But insurance is one thing you should keep under your own control, as the margins that dealers charge on these insurance policies are out of this world.

5. Agency repair isn't all it's cracked up to be

One of the most sought-after features for fully comprehensive policies is agency repair, which means that if any repairs are needed for your car after an accident, the insurer will pay for the official dealer of your car to carry out these repairs. The problem with this, of course, is that policies featuring agency repair tend to be more expensive than non-agency repair policies. There are plenty of good non-agency repair offerings -- you can even opt for a premium garage add-on.

6. High valuation on your policy document isn't always a good thing

It may be tempting to insist to your insurer that your car is worth more than the number it has been valued at, but in reality it's not correct to value the car at the number you bought it for. Firstly, if you're insuring a car at a higher value, you'll end up paying more for your policy, and secondly, the car value mentioned on the policy document only comes into play in the event of a total loss - which is a rare occurrence. (KT)

How can I renew my Car registration in Dubai?
You need to renew your car registration once every year. If you have purchased a new vehicle, the dealer will handle all formalities for the first year. From the second year onwards, you will have to renew your car registration.

You can also renew your car registration from selected insurance companies. These include Noor Takaful, Oman Insurance, Fujairah Insurance & Royal & Sun Insurance. The insurance companies would be using the same procedure and online facilities to provide the service that are being used by the RTA’s customer service centres and other approved agents like Tasjeel, Tamam etc.

Documents Required:
1. Motor vehicle insurance certificate. Insurance can be taken from insurance companies such as Qatar Insurance Company, Tel. 04-2224045
2. Old registration card
3. “Passed” car test certificate (only if the car is older than 3 years)
4. Pay outstanding traffic fines (if any)
5. Pay vehicle registration/renew fees

1. Settle the payment of fines (if found); you can check and pay any fine at the Dubai Police website.
2. Go to Dubai Traffic Department /other emirates traffic department or to (Tasjeel Eppco, Emarat Shamil, Cars Vehicle Testing Centre or Belhasa's Wasel to have the car tested
3. Pay the fees
4. Wait for your registration card (valid for one year). In case your car is no longer financed by a bank, show the bank clearance certificate.
5. Take a sticker with the new registration expiry date and place it over the old one (on the rear number plate)

• Car test Dh120 (varies depends on vehicle and testing company)
• Registration Dh420 (varies depends on vehicle)-valid for one year
• Insurance Dh400 (Third Party) Amount varies depends on package, type and old of vehicle

• New vehicles are exempted from test for 2 consecutive years.
• Some companies will do all procedures for an additional fee, including collecting and returning the vehicle to you. You can also check with your insurance company, since many have introduced a free/paid service.

Vehicle Testing Centers

+ SpeedFit Vehicle Testing Centre, Umm Ramool, Dubai Tel. 04 253 1700

+ CARS Vehicle Testing Centre (opposite Hamarain Centre, Muraqabat, Tel. 600540045, 04-2694400

+ EPPCO Tasjeel 800 4258

+ Shamil 8004559

+ Wasel 043245524

Online Service: Many services can be done through RTA Website including Vehicle and Driving license renewal.
For Vehicle Registration (Mulkiya) Renewal, Call 04-239 1302, 055 273 2295, 055-345 7829 (Al Nahda-2)
04-265 8373, 050-715
0562 (Hor Al Anz)
Vehicle Registration/Renewal Fees

Motorcycle 130 AED

Light vehicle 370 AED

Heavy vehicle 745 AED

Light bus 445 AED

Heavy bus 645 AED

Light Mechanical machine 455 AED

Heavy mechanical machine (685) AED

Additional fees of (250) AED for rent cars

Light bus or light mechanical machine for training: (3500) AED

Heavy bus or heavy machine or heavy vehicle for training: (5000) AED

Light vehicles for training: (2000) AED

Vehicle Testing Fees

Light vehicle: Dh120

Heavy vehicles: Dh250

RTA Service Centers in Dubai

Abu Hail Feeder Bus Station

Al Adheed Shamil

Al Ahli Driving Center

Al Aweer Licensing

Al Aweer Tasjeel

Al Barsha

Al Ghubaiba (1) Bus Station

Al Ghubaiba (2) Bus Station

Al Ghubaiba (inter city)

Al Karama Municipality

Al Manara Center

Al Qusais Bus Station

Al Qusais Tasjeel

Al Rashidiya Bus Station

Al Sabkha Abra Station

Al Sabkha Bus Station

Al Satwa Bus Station

Al Seif Water Bus Station

Al Shandagha Station

Al Towar Center

Al Warsan Tasjeel

Baniyas Water Bus Station

Barsha Tasjeel

Belhasa Driving Center - Jaddaf

Belhasa Driving Center - Jebel Ali

Belhasa Driving Center - Nad AL Hammer

Bur Dubai Station

Cars Testing

City Center Sub Bus Station

Deira Licensing

Deira Old Souq Abra Station

Dubai Drive International

Dubai Driving Center

Dubai Old Souq Abra Station

Emirates Driving Center

Galadari Motor Driving Center

Gold Souq Bus Station

Hatta Bus Station

Hatta Tasjeel

Jabel Ali Tasjeel

Jebel Ali Bus Station
umiera Beach Residents (JBR) Center

Muhaisna Shamil

Mumaiz Barsha Mall

Mumaiz Cars Testing - Aswaq Mizher

Mumaiz Registration - Hamriya

Nad Al Hammar Shamil


Quick Cars Testing

RTA Main Customer Service Center

Speed Fit

Tamam Al Kindi

Um Suqeim office

Wasel Belhasa

Wasl Cars Testing - Arabian Center

For more information, visit RTA website. Or call RTA's toll free number on 8009090.
To prepare your Dubai visa applications, call:

Qusais (Al Nahda-2) Near Zulekha Hospital: 04-239 1302, 055 273 2295,
055-345 7829
Qusais (Al Nahda-2) Behind NMC Hospital: 056 8614786

Bur Dubai: 04-252 22 22, 055-9105757

Hor Al Anz: (Deira): 04-265 8373, 050-715 0562

Qusais (Damascus St): 04-258 6727, 054-300 5931

For Collection & Delivery Service; call 04-239 1302, 055 273 2295,
055-345 7829
For Family visa service of all other emirates, call: 04-252 22 22, 055-9105757
Related Pages
Car Theft
Driving License
Driving License Attestation from Indian Consulate
International Driving Permit
RTA Controlled Business Activities
Validation Letter
Tags: Where can I renew my car registration in Dubai? What are the documents required to renew car registration in Dubai? Where is the car testing centre in Dubai?, How much is the fee for car registration in Dubai? How can I renew my car Mulkiya in Dubai? What are the documents required to renew my car Mulikiya in Dubai?

Call us for Saudi Visit Visa, Saudi Family Visa, Saudi Employment visa stamping, Saudi Embassy service, Certificate attestation and Family visa service of all emirates 055-9105757, 04-252 22 22, 04-239 1302, 055 273 2295
or mail your queries to


UAE Employment Visa related service at Thiruvananthapuram. Our package includes: pick from your arrival point (Railway/Bus Stand), Accommodation, Medical (if required), Medical Certificate Attestation using our Credit Card without you standing in the queue, necessary guidance and drop at your travel point.

Maid Visa related Service: After completion of e-Migrate procedures at Indian Consulate/Embassy in UAE, we can arrange remaining procedures for Emigration clearance.
Explore International, Call +91-95 390 51 386


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