Missing These Documents? Car Insurance in UAE Explained (2026 List)

Required Documents for Car Insurance in UAE
Last updated on : 30 Dec 2025
3 min read

Purchasing car insurance in the UAE is a vital step for every vehicle owner, ensuring financial protection and legal compliance on the road. However, the process involves navigating through a checklist of essential documents. Understanding these requirements can streamline the application, renewal, and claims processes. In this article, we'll break down the necessary documents for various stages of car insurance in the UAE, simplifying the often-intricate landscape of paperwork.

Documents Required for Car Insurance in the UAE:

When purchasing car insurance in the UAE, several documents are crucial to the process, such as:

  • Valid driving license

  • Passport and residence visa (for expatriates)

  • Vehicle Registration Certificate (RC)

  • Bank statements

  • Emirates ID (for UAE nationals)

  • Confirmation letter for GCC-specified cars

Note: When choosing Shory.com as your insurance provider, the process is simplified. All you need is your Emirates ID and car plate number, eliminating the need for an extensive list of documents.

Documents Necessary for Changes in Insurance Coverage:

In scenarios where modifications to your insurance coverage are necessary, additional documents come into play:

  • Driving license (for adding a new person)

  • Registration certificate (for adding a new vehicle)

  • Proof of replacement coverage (for policy cancellation)

Documents Required for Car Insurance Renewal:

Renewing car insurance in the UAE involves providing details of previous claims, along with essential documents such as:

  • Passport or Emirates ID

  • Residence visa (for expatriates)

  • Passport-size photographs

  • Vehicle registration certificate

  • Driving license

  • Pollution test certification

  • No Claim Certificate (for claim-free years)

Documents Required for Car Insurance Claim:

When filing a car insurance claim in the UAE, different scenarios necessitate specific documentation. In cases of injury during an accident, you must inform the insurance company, along with a comprehensive assessment of the vehicle's damage. The documents required for a car insurance claim include:

  • Police report

  • Driving licenses of all involved drivers

  • Car registration certificate

  • Completed insurance claim application

  • Car Modification Certificate (if applicable)

Conclusion:

Navigating the landscape of car insurance documentation in the UAE is essential for a seamless experience. While each stage may require specific paperwork, staying informed ensures a hassle-free process. Remember, when opting for Shory.com, the need for an extensive list of documents diminishes, offering a streamlined approach to securing your car insurance. Stay covered, stay informed, and enjoy the peace of mind that comes with a comprehensive car insurance plan.

Yes, Emirates ID is mandatory to buy or renew car insurance in the UAE. Insurers use it to verify residency status and comply with UAE insurance regulations. Without a valid Emirates ID, car insurance applications are usually rejected.

You can buy car insurance without a Mulkiya only for brand-new vehicles. In such cases, a vehicle invoice or sale agreement from the dealer is accepted. For used cars or renewals, a valid Mulkiya is mandatory.

Third-party car insurance in the UAE requires a valid Emirates ID, UAE driving license, and vehicle registration card (Mulkiya). Compared to comprehensive insurance, fewer documents are needed, making third-party coverage faster to issue.

Expats need the same core documents as UAE nationals—Emirates ID, driving license, and Mulkiya. However, first-time buyers may also be asked for visa details or a GCC driving history, depending on the insurer.

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.

Explore our insurance products at Shory, including Car InsuranceHealth InsuranceHome Insurance, Pet Insurance and Travel Insurance to find the best coverage for your needs.

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