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)
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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
Procedure:
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)
Fees
• 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
NOTE:
• 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
J
umiera Beach Residents (JBR) Center
Muhaisna Shamil
Mumaiz Barsha Mall
Mumaiz Cars Testing - Aswaq Mizher
Mumaiz Registration - Hamriya
Nad Al Hammar Shamil
Platinum
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
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Related Pages
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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? |