Renewing your car insurance is one of those necessary tasks every car owner in the UAE must undertake. It's mandatory by law to insure your vehicle, and failure to do so can lead to penalties. In this article, we'll delve into the importance and methods of renewing car insurance in the UAE. To smoothly navigate this process, follow this detailed guide:
The Importance of Car Insurance in the UAE
Car insurance is compulsory in the UAE, with the minimum required coverage being third-party insurance. Driving without insurance incurs a fine of AED 500, along with 4 black points on your driving license and a 7-day vehicle impoundment. Penalties can escalate to hefty fines, vehicle confiscation, and even imprisonment, depending on the circumstances of the incident.
When Should You Renew Your Car Insurance?
Car insurance policies in the UAE typically last for 13 months. To avoid fines or the hassle of renewing your vehicle registration, it's advisable to renew your insurance before its expiration date.
How Can You Renew Your Car Insurance?
Insurance companies usually send email or text reminders nearing the expiration of your insurance policy. You can renew your car insurance with the same company by visiting their office or through their website, if available. Alternatively, you can explore new insurance providers for purchasing a policy.
How to Renew Car Insurance Online Easily?
Nowadays, purchasing insurance online is a breeze with just a few simple steps. Innovative apps like Shory allow you to compare quotes from various insurance companies, customize your policy to fit your needs, and purchase it instantly in less than 90 seconds.
Documents Required for Online Insurance Renewal with Insurance Companies
When renewing car insurance online through insurance company websites, you'll need the following documents:
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Emirates ID
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Driving license
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Vehicle registration card
Documents Required for Online Insurance Renewal with Shory
In fact, there are no specific documents required for renewing car insurance online through Shory, except for your Emirates ID number. However, if opting for comprehensive coverage, you might need to upload pictures of your vehicle. If the car is unregistered, you might be asked to provide the customs card or ownership certificate. But as a basic step, all you need to purchase insurance through Shory is your Emirates ID number.
Steps for Renewing Car Insurance Online via Shory
To renew your car insurance online through the Shory website or app, follow these simple steps:
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Log in to the Shory website or app.
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Navigate to the "My Account" page and select the insurance policy you wish to renew.
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Compare price quotes from different insurance companies.
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Choose your insurance policy and customize it further to expand coverage according to your needs and budget.
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Upload any required documents, such as pictures of your car or customs card if applicable.
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Pay the insurance fee.
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Receive your insurance policy instantly.
Useful Tips for Renewing Your Car Insurance
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Review your current insurance policy to check the expiry date and coverage details, and decide if you want to modify the coverage in your new policy.
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Familiarize yourself with the renewal requirements, which may vary slightly depending on the insurance company, but generally include proof of car ownership, driving license, Emirates ID, and possibly a vehicle inspection report for older cars.
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Don't hesitate to switch insurance companies if you can get better rates or more comprehensive coverage elsewhere.
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Take advantage of technology to compare insurance documents, coverage, and prices, and purchase your policy instantly through apps like Shory.
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Choose the most convenient renewal method for you, whether it's online or by visiting the insurance company's office.
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Benefit from a no-claim discount if you haven't made any insurance claims during the previous policy year.
In Conclusion
Renewing your car insurance is a simple process that you can complete quickly with a little planning and by choosing the optimal method for you. This ensures continuous financial protection and lawful driving on the roads.
