Car Insurance

Annual insurance policies last for 13 months (allowing a one-month grace period for when registration expires). It’s best to get fully comprehensive cover with personal accident cover, and advisable to be covered for ‘blood money’.


Blood Money  By law, the family of a pedestrian killed in a road accident is entitled to Dhs.200,000 diya (blood) money. The money is usually paid by the insurance company unless there’s any whiff of the driver having been under the influence of alcohol. However, an amendment to the law is being considered to put a stop to the terrible trend among desperate lower-income workers of killing themselves to provide for their family. This will mean blood money is not automatically due if the victim was walking across a road not intended for use by pedestrians, such as Sheikh Zayed Road.

Rates depend on age and model of your car and your previous insurance history, although no-claims bonuses accrued in your home country are rarely recognised. Expect to pay between 4-7% of the vehicle’s value, or a flat rate of 5% for cars over five years old. If you feel your car is worth more than you paid for it, make sure the insurance company covers it at the market value. Insurers will need to see copies of your UAE driving licence, passport and vehicle registration form.

Most insurance agencies now let you request a quote online, and there’s a multitude of choice out there from local companies such as AWNIC to international favourites, AXA, RSA and Zurich. If you’re driving to Oman you will need additional cover, which can be part of your annual insurance or purchased ad hoc.


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