Can You Get Insurance for an Imported Car in Dubai?
Dubai is known for its love of cars. Many residents prefer importing vehicles from other countries for better pricing, rare models, or personal preference. But once the car arrives, one important step must be taken before hitting the roads: getting insurance.
So, can you get insurance for an imported car in Dubai? The answer is yes, but there are some important things you should know.
In this blog, Drive UAE will explore how to get insurance for an imported car in Dubai.
What Is Considered an Imported Car in Dubai?
An imported car is any vehicle brought into Dubai from another country. These cars can either be:
- GCC-spec cars: Designed for the Gulf Cooperation Council (GCC) countries. These are built to suit the hot weather and sandy conditions of the region.
- Non-GCC-spec cars: Designed for other markets like Europe, the US, or Asia.
Insurance companies in Dubai usually prefer GCC-spec cars because they meet local safety and performance standards. Non-GCC cars may face extra checks and higher insurance costs.
How to Import a Car into Dubai
Before you insure your imported car, it must go through a few steps:
1. Customs Clearance
When your car arrives in Dubai, it goes through Dubai Customs. You will need to:
- Pay a 5% customs duty based on the value of the car.
- Present documents like the purchase invoice, export certificate, and your Emirates ID.
- Obtain a customs clearance certificate, which is required for the next steps.
2. Vehicle Inspection
The car must pass a technical inspection at a Roads and Transport Authority (RTA)-approved testing center. The test ensures that the vehicle is safe and meets UAE standards.
3. Registration
After the inspection, you can register the car with the RTA. You will need:
- Your Emirates ID
- Passport copy
- Vehicle clearance certificate
- Proof of insurance
But before registration, you must get your vehicle insured.
Is Insurance Mandatory for Imported Cars?
Yes, insurance is mandatory for all vehicles in Dubai, whether new, used, or imported. You cannot register your car without insurance.
There are two main types of car insurance available in Dubai:
1. Third-Party Liability Insurance
This is the minimum legal requirement. It covers damage you may cause to another vehicle, property, or person, but it does not cover your vehicle.
2. Comprehensive Insurance
This is more complete. It covers:
- Damage to your car
- Damage to other vehicles
- Theft
- Fire
- Natural disasters (in some cases)
However, not all imported cars, especially older or non-GCC-spec ones, qualify for comprehensive insurance.
Documents Needed to Insure an Imported Car
To get your imported car insured, you usually need the following:
- Emirates ID
- Passport copy with residency visa page
- Valid UAE driving license
- Car inspection report
- Previous insurance documents (if available)
- Customs clearance certificate
Some insurance companies may also request the chassis number and engine number for verification.
Challenges You Might Face
While it’s possible to insure an imported car, there are some challenges:
1. Higher Insurance Premiums
Insurance for imported cars, especially non-GCC models, can be more expensive. This is because:
- Parts may be harder to find.
- Repairs might cost more.
- Some imported models are unfamiliar to local service centers.
2. Limited Insurance Options
Some insurance providers may refuse to offer comprehensive coverage for imported vehicles. Others may only offer third-party insurance.
3. Additional Inspections
Imported cars might need extra safety or emissions checks, particularly if they are not built for Gulf weather conditions.
Tips to Get Insurance for Your Imported Car
Here are a few tips to make the process easier and possibly save money:
1. Compare Insurance Providers: Different companies have different policies and premiums. Get quotes from multiple insurance companies to find the best deal.
2. Work with an Insurance Broker: Brokers can help you understand the market and connect you with companies willing to insure imported vehicles.
3. Ensure Your Car Meets Local Standards: Before importing, try to buy a GCC-spec vehicle or check if the model is easily serviceable in the UAE. This will make it easier to get insurance.
4. Keep All Documents Ready: Make sure you have all necessary documents to avoid delays. Missing papers can result in rejection or delays in policy issuance.
Conclusion
Yes, you can get insurance for an imported car in Dubai, but the process requires proper preparation and knowledge. Choosing the right car, getting it inspected, and comparing insurance options can save you time and money.
Imported cars can be a great choice if you’re looking for something unique or cost-effective. Just make sure to follow the correct procedures and work with trusted professionals. This will ensure your car is not only registered and insured but also safe to drive on Dubai’s roads.