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Having motor insurance protects you from unforeseen circumstances like robbery, vandalism, catastrophe, repairing, and replacement. In the UAE, it is mandatory to have valid motor insurance to drive. If your insurance is expired and you are driving through the roads in Dubai, you might face legal consequences. So a car insurance policy lapse is not something that is recommended! Always remember to renew or purchase your insurance policy at least 45 days before your expiry date. The 45 days window is recommended as Mulkiya expires 15 days ahead of the insurance.

In this digital era, you don't have to travel to your insurer's office in order to renew/purchase a insurance policy. All your insurance needs are just one click away, and you can even personalize your car insurance in Dubai.

When the term of your insurance policy expires, your insurance company will begin sending you notifications. If your insurance policy has expired and you want to renew it, there are some things you should know.

What is the right time to renew a motor insurance policy?

Many customers are perplexed about when to renew their coverage. Some claim after 12 months, while others assert it should happen after 13 months. The normal period of validity for car insurance in the UAE is 13 months. Since the UAE RTA traffic authority has granted a one-month grace period for the renewal of your policy, the insurance firms now offer the policy for a total term of 13 months, which includes the grace period for vehicle insurance renewal.

As a result, following your insurance policy's 12-month expiration date, you get an additional month to renew it without incurring any penalties. The majority of insurance companies begin informing you before your registration expires. To prolong your auto insurance, it is, therefore, preferable to be proactive and begin your investigation before your coverage ends. By contrasting your options and conveniently renewing your insurance card that has expired, you might get yourself a decent rate.

Should you renew your insurance with the same insurance provider?

It may be more convenient for some people to renew their insurance with the same company, but this does not necessarily make it the best choice. Even while it's not always assured, you could occasionally obtain a good deal from the same insurer. Before making a purchase, conduct some market research to see if there are any exceptional discounts available.

If you take your time and look at all of your possibilities, you will likely be able to meet all of your needs at a lower cost. Start looking for a new policy as soon as you start receiving notifications that your current one is about to expire. Find the one that best suits your needs.


What to do when a car insurance policy expires?

Contact your insurer right away.

You should get in touch with your insurance company as soon as you can. As the subject matter expert, your insurer will give you the information you want and advise you on the best course of action to take. This will save you time and hassle because they could immediately reinstate you. It will be more challenging to locate insurance that would cover your automobile if you wait and delay, especially if it's an older model. The premium you pay may change if you wait, and you may end up spending significantly more.

Choose your plan

The next step is to pick the insurance coverage that best meets your needs. Compare the prices offered by various insurance companies and products. The data you require to make an informed decision may be found online while searching for motor insurance online.

Car insurance online from several insurers are simple to obtain, and you can choose the one that best meets your needs after reviewing the characteristics of each.

Keep your documents ready

When you are certain of the coverage you want, have all the necessary paperwork prepared and accessible to prevent future delays and problems. The following information will be required of you if you choose to renew your insurance with a different company:

• Copy of your passport

• Copy of your UAE Visa

• Your UAE driving license

• Mulkiya (Details of Car Registration)

• No claims discount certificate (if it is applicable)
  

The majority of the documentation can be skipped if you want to continue working with your current provider; all you'd need to do is submit the specifics of your current policy and start the renewal process.

Appointment for vehicle survey

After the current policy expires, the insurer will send a surveyor to inspect the vehicle and assess the severity of any existing damage before renewing the coverage. To minimize any delays or price increases, a vehicle survey appointment have to be scheduled as soon as possible.

The insured is responsible for covering the cost of the inspection. Your eligibility for insurance will be determined by the surveyor's findings. Accordingly, if the car has already sustained damage, the surveyor may have established a predefined fixed deductible based on the severity of the damage.

Purchase a new policy right away

It is advised to purchase new insurance as soon as possible following the completion of the examination. The inspection is only valid for a limited period. Online vehicle insurance purchases or renewals are the best choices.

Importance of motor insurance in UAE

It shields one from any financial liabilities brought on by accidents and injuries sustained while driving. Since the UAE government has made having auto insurance mandatory, it is crucial to have it. In the unfortunate event that something happens to your automobile, it shields you from an unexpected financial burden.

Click here to purchase/renew your insurance policy with policyhouse.com -

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