Timing your car insurance renewal

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  • Car insurance is a mandatory requirement in the UAE and is renewed annually.
  • Whether you’re insuring with the same company or a different one, there are a few things to consider.
  • The grace period of a month if to give you time to find out what the best policy is for you.
  • Timing your renewal can also help you save on your new policy if done right.

If you own a car in the UAE, your insurance policy works on an annual basis, i.e., your premium covers you for a year. And each year, owners are required to renew their policy, either with the same company or a brand new one.

But if it’s your first-time renewing, here are a few things you need to know.

When am I supposed to renew my policy?

When to renew car insurance in UAE

Most people will tell you that there is a grace period to renewing your insurance, which means that it’s not imperative to renew before the 12th month of your policy. But what is this grace period and how does it help? The 13th month is a month in which you need to renew or find a new insurance policy. Insurance companies generally cater for this but start sending reminder well in advance so that you’re prepared.

Car insurance companies operate like regular companies. However, you’re more likely to get a better quote at quieter times during the week, such as a Sunday or Monday, due to operators being able to assess your situation with more detail.

What does it mean to renew my policy?

When renewing your insurance policy, you can do one of two things; either stick with the policy you’ve been with for the previous year or possibly enhance or change the policy.

There are a variety of questions you should ask yourself before the time to renew;

  1. Should I change from third-party to comprehensive or the other way around?
  2. Should I add or remove features?
  3. Should I increase or decrease my coverage?

Knowing the answers to these questions could help you save money for the next year and doing ample research beforehand can save you a lot of time. Aqeed can help you compare quotes, they can also help you consider changing your insurance provider altogether.

Insurance companies calculate and recalculate your premium based on some factors; if you’re renewing for another year, consider benefits such as your ‘No Claims Discount,’ or decreasing your overall premium for good driving. Your driver history and type of car also plays a role.

So, what do I need and how do I renew?

Renewing your insurance in the UAE is easier than you think; if you’ve chosen to go with a different insurance provider, you will be asked for:

  • A valid passport copy
  • Your UAE Visa/residence copy
  • Your driving license
  • Your car registration (Mulkiya)
  • Your No-Claims Discount certificate (which can be obtained from your previous insurer).

Finding your insurance company online and purchasing online could open opportunities for discounts etc.

If you’re going with the same provider, it’s as simple as giving them the details of your existing policy and paying for the new policy.


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Aqeed is on a mission to help you become better at everything related to insurance. The articles are meant to enrich your knowledge about insurance so that you make the right choices. From the decisions you make to the options you take, you are In Sure Hands.

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