What Happens If You Don’t Have Car Insurance?

The RTA law mandates car insurance for every vehicle in the UAE. Insurance reduces stress in the event of an accident by financing any damage or loss to the insured vehicle. You can also get personal accident coverage, third-party liability cover and robust customer support to avoid any hiccups. Working with an intermediary makes it easy to obtain the most suited insurance policy. The best broker has certified professionals who conduct a risk assessment and tailor solutions to your needs.

No wonder the insurance broker market size reached $359.5 million in 2021 and may cross $599.6 million by 2028. These agents are a significant link between car insurance companies and policyholders. They are known for their notable contribution to economic progress.

So, don’t get stuck with insurance coverage. It could lead to more problems than just bearing the cost of repairs. Here’s what you should know. 

Severe Penalties 

A fine of 500 AED can be levied if the traffic police catch you without a policy. The vehicle may also be confiscated for a week. Plus, you could receive up to 4 black points on your driver’s licence. This might raise future insurance premiums since you might be seen as a higher-risk customer by insurers.

In the worst case, your licence could be suspended for 3 to 6 months if the points add up to 24 at any point. You will then have to enrol in classes by the police department for a redemption programme. The good news is that points do not last a lifetime, but only for one year. Consult an insurance broker right away to prevent any chance of such problems occurring.

Criminal Charges

If a pedestrian is killed due to an accident by an uninsured vehicle, it is considered a criminal offence in the UAE. Additionally, you will have to pay “blood money” or Diya. This can be as high as 200,000 AED or a death penalty. It is also applicable in case you have injured an individual. To reduce the extent of punishment, get the vehicle covered with comprehensive car insurance online. Talk to an insurance broker known for their experience and patience during tough times.

Civil Charges 

This is applicable in case of minor damage. Not having car insurance can be a financial burden, since you have to compensate the third party from your own pocket. They might also ask for an extra amount to avoid a police complaint! Your reputation could be at stake if the news spread, which is altogether another level of stress.

All of the above inconveniences can be minimised with online car insurance. You can be protected against fire and theft too. Simply fill in the form, choose from the best quotes and options offered by the broker and receive all the necessary documents in your mail.

Features of a Good Insurance Policy

A comprehensive policy is ideal since it covers both third-party liabilities with up to 5 million AED and damage to your own vehicle, while offering a host of benefits. The premiums depend on the vehicle’s value, your driving history, driver’s age and claims experience. The features and benefits are as follows:

• EMI options of 3, 6 and 9 months. 

• Up to 5 years of agency repairs.

• 15 years of full long-term cover. 

• Off-road cover, such as for sand dunes or trails. 

• No claim discount from the broker.

There is no reason to drive an uninsured car! This is especially true since there are expert brokers who can help you at every step. Besides connecting to them for cashless claims, move the car to a safe place after an accident. Inform the police (999) and get an accident report, which you will need to submit to the garage for repairs. You should also make the insurance claim without delays. Read the terms and conditions carefully for an informed choice.