1. Checking your current policy
Review your current insurance policy before you enter the renewal process. Check through the coverage details, premium amount, and any benefits you enjoy. Once you understand your existing plan, you can decide whether to remain the same or adjust.
2. Start Early
Start renewing the cover at least a few weeks before your policy is due to expire. This way, you will have ample time to mull over the different options and not rush at the last minute. Never forget that driving uninsured in the UAE is illegal. Don't procrastinate!
3. Compare Quotes
Compare quotes from insurance providers through online comparison sites such as Policybazaar.ae or InsuranceMarket.ae. Compare the best rates and coverage options available to you. Make shortlists of everything that offers easy reference.
4. Study Coverage Options
As you compare quotes, pay close attention to what kind of coverage each policy provides. You may want to stay with what you have, or you may find a better deal that covers you better. Consider whether you're going to need full comprehensive insurance or if third-party is enough for your car.
5. Documents Needed
When renewing your insurance, you will need a set of documents. Generally, at least one of the following will be required:
A copy of your Emirates ID
Your copyright
The vehicle registration card (Mulkiya)
Old insurance policy documents
Prepare all these documents in advance so that things go just fine.
6. Reach Your Insurance Company
Now that you have made a list and zeroed upon the insurance company, contact your selected insurance company to begin the renewal process. In most cases, you would be able to get hold of the insurance companies through websites, phone call, or even by visiting their offices. Keep ready all the papers you have collected above.
7. Payment Procedure
Once your renewal is approved, pay for your new policy. Most insurance companies will let you pay online via credit card, but it is always advisable to go to their offices and pay over the counter. Some firms may offer you a discount when you pay the full premium at once.
8. Get Your New Policy
Then, after all, you get the insurance policy documents mailed to you after processing your payment. You keep a set in the car and save the others as a digital set easily accessible in your phone.
9. Renew the RTA
Do notify the Roads and Transport Authority in the UAE of your new insurance details. Your insurance company normally would have done that, but you could check for the updates on the RTA website or app.
10. Drive Safe!
Renewed car insurance is the best especially when you drive with confidence. You are assured to be fully covered at all times. Please always drive safely and keep a diary on when you must renew the policy.
Conclusion:
In fact, renewing car insurance in the UAE is pretty easy if you remember these fairly easy steps: start early, compare quotes, and then ensure to be well-prepared with all the paper required; then drive safe and enjoy.