Insuring Used Cars in Dubai - Everything You Need to Know

Last updated on : 06 May 2024
4 min read

When purchasing a used car in Dubai, it is essential to consider the insurance aspect to protect yourself financially against unforeseen circumstances. Insuring a used or second-hand car is almost the same as insuring a new one just with a few variables to keep in mind. In this article we'll walk you through everything you need to know before insuring a used car in Dubai.  

Types of Car Insurance Policies Available for Used Cars In Dubai

It is mandatory to have car insurance in Dubai even for second-hand cars. When it comes to the types of plans to choose from, there are two coverage options:

a. Third-Party Liability Insurance: The minimum requirement for all vehicles, it covers any damage caused to a third party, such as injuries or property damage, in the event of an accident. However, it does not cover any damages to your own vehicle. This may be an ideal choice for a used or a second-hand vehicle since the plans fall in a more affordable range. 

b. Comprehensive Insurance: This is an extensive coverage option that includes both third-party liability coverage and coverage for damages to your own vehicle. Comprehensive car insurance protects against accidents, theft, fire, natural disasters, and other unforeseen events. This is recommended for high end cars with higher market values.

List of documents required to insure a used car in Dubai 

You may also want to take a look at the list of documents you will need to insure your used car in Dubai:

  • Valid Emirates ID

  • Valid driver's license

  • Vehicle registration card (Mulkiya)

  • Previous insurance policy documents (if applicable)

  • No-claims certificate (if applicable)

NOTE: In Dubai and in any other Emirate, it is mandatory to have a UAE issued driving license or you must have a residence permit for registering or insuring a used car.    

Once you’ve thoroughly understood the type of plan that’s suitable for your car, it is important to understand other aspects of purchasing insurance for a second-hand car in Dubai. You may need to consider the following:

Arranging a Vehicle Inspection

Most insurance providers require a vehicle inspection to assess the car's condition and determine premiums based on that. To get a decent level of coverage you must ensure that your car is in working condition as pre-existing damages might alter the premium and you will end up paying more.   

Get an Estimate of the Insurance Premiums

Insurance premiums for used cars in Dubai are based on various factors such as - car's make and model, age, condition, current market value and the type of coverage selected. You can browse through our car insurance quotes page, enter the owner or new owner’s Emirates ID, plate source, code, number and type to get instant access to some of the best plans from the most trusted car insurance providers in Dubai.

Purchase the Insurance Policy Online

Once you have selected a suitable plan on Shory.com, review the coverage terms, conditions, and exclusions carefully. If you are satisfied with the policy, you can proceed to purchase it. Simply enter your Emirates ID, select the plan, and make the payment to get the insurance policy instantly.

Review Additional Coverage Options

Insurance providers in the UAE offer additional coverage options that can enhance your policy's protection. These may include roadside assistance, agency repair, car rental services during repairs, and personal accident cover for the driver and passengers. Evaluate these options based on your needs, budget, driving history and driving habits to opt for the additional extras.

Renewing the Insurance for Used Cars in Dubai

Car insurance policies in Dubai typically have a one-year validity for both used and new cars. It is crucial to renew your policy before it expires to avoid any lapses in coverage. Log in to your customer dashboard to renew your car insurance policy on Shory.com. Make sure to do it a few days in advance before the policy's expiration date to ensure a smooth renewal process.

Conclusion:

Insuring a used car in Dubai is a vital step in protecting your investment and complying with local traffic regulations. You can ensure the right insurance coverage by conducting a thorough research of different types of policies, top insurance providers and looking up plans most suitable for your needs. 

At Shory.com, we've partnered with the top insurance providers in the UAE to present you with the best options when it comes to insuring used cars. All you need to do is renew your car insurance policy on time to maintain uninterrupted coverage and peace of mind.

Disclaimer: Shory aims to present accurate and up to date information, however we take no responsibility or liability for any errors or omissions in the content.