Car Rentals in Dubai Guide | Pricing, Duration, Insurance & Documents

Every vehicle in the UAE must have valid insurance and registration before it can be driven legally. New drivers, expats and long-term residents often find the process confusing because it involves different authorities, documents and timelines.

This guide explains how car insurance connects to registration, the exact steps to follow, the documents you need and common mistakes to avoid. With examples and real scenarios, you will understand the full process from start to finish.

If you want to review insurance options before registering your car, you can explore plans on the GIG Gulf Car Insurance page. It includes Third Party, Motor Perfect and Motor Prestige plans.

Why insurance and registration are linked

Car insurance is mandatory in the UAE. You cannot register or renew your vehicle registration without an active policy. This rule ensures that every driver has financial protection in case of an accident.

The insurance certificate is electronically linked to the RTA (or other Emirate authority), allowing instant verification during registration.

Step-by-step: How registration works for new cars

Buying a new car in the UAE usually comes with a one-year registration provided by the dealership. However, you must confirm it with the dealership and activate it or you can buy one during registration. Here is how it works:

• Choose an insurance plan that matches your vehicle value. You can compare options through GIG Gulf.
• Send the policy details to the showroom so they can link it to your new registration.
• The dealer completes the first registration on your behalf.
• You receive your plates, Mulkiya (registration card) and an electronic insurance certificate.

If you buy a used car, the process differs. The registration must be transferred, and insurance must be issued under your name before transfer.

Step-by-step: How registration works for used cars

Registering and insuring a used car in the UAE involves getting an inspection, insuring the vehicle, and then transferring ownership via the RTA.

Steps:

• Inspection: Get the vehicle tested at an RTA-approved testing station (like Tasjeel/Shamil in Dubai) to pass the mechanical inspection.
• Check for Fines: Verify the car has no outstanding traffic fines in your emirate.
• Get Insurance: Purchase a car insurance policy for the vehicle in your name.
• Gather Documents: You'll need the original registration card (or possession certificate), Emirates ID, and the new insurance policy.
• Transfer Ownership: Visit the RTA (or your emirate's traffic department) or use their apps (like RTA Dubai on Google Play or Apple App Store) to pay fees and get the new registration card.

Documents Needed:

• Seller's Original Registration Card/Certificate.
• Buyer's Emirates ID & Passport Copy.
• Valid Insurance Policy.
• Inspection Certificate.

Fees

• Registration: ~AED 420.
• Ownership Transfer: ~AED 350.
• Inspection: ~AED 200.

Insurance options: Which one do you need for registration

The UAE only requires a third-party insurance for registration. However, most drivers choose a comprehensive plan for better protection, especially for newer cars.

Here is a quick overview:

• Third Party Car Insurance: Covers damage you cause to others. Cheapest option.
• Motor Perfect: Mid-level comprehensive cover with good protection and optional add-ons.
• Motor Prestige: High-level comprehensive cover with agency repairs and extra benefits.

Choosing the right plan depends on your car’s value, age and how much risk you want to carry. A new car usually deserves comprehensive cover. An older car may only need third party.

How vehicle testing fits into registration

In most Emirates, any car older than three years must pass a technical inspection to ensure it is roadworthy. The test checks brakes, lights, chassis, tyres and structural safety.

If the car passes, you receive an electronic certificate. If it fails, repairs are required before you retest.

Step-by-step renewal process

Renewing registration each year is simple. Here are the steps:

• Renew your insurance policy first through your provider.
• If your car is older than three years, complete the vehicle test.
• Clear any traffic fines through the RTA or police apps.
• Submit the renewal request on the RTA website, Abu Dhabi TAMM or Sharjah MOI.
• Receive a digital registration card and optional physical card.

Most Emirates now issue digital Mulkiyas, which can be stored in Apple Wallet, Google Wallet or UAE PASS.

Driving without registration

Driving with expired registration is illegal. Penalties include:

• Fines
• Black points
• Vehicle impoundment

Common mistakes drivers make

• Trying to renew registration before renewing insurance
• Assuming dealer insurance from the previous owner is still valid
• Forgetting to complete vehicle testing
• Driving with an expired policy “for just one day”
• Not clearing fines before attempting renewal

Frequently Asked Questions

1. Can I renew registration without insurance?
No. Insurance is mandatory for renewal in all Emirates. You must renew your policy first.

2. Can I drive my car to a testing centre without insurance?
No. The car must be insured to be legally driven anywhere, including for inspection.

3. Do I need comprehensive insurance to register my car?
No. The minimum legal requirement is third-party insurance. You can upgrade if you want better protection.

4. How do I get a copy of my insurance certificate?
You can reach out to your insurance provider and download an electronic copy of your policy and certificate. If you are GIG, you can download it through MyGIG.

5. What happens if my registration expires?
You may face fines and impoundment. Renew insurance and registration as soon as possible.

Final thoughts

Insurance and registration in the UAE go hand in hand. Once you understand the steps, the yearly cycle becomes simple and predictable. Keep your documents updated, renew insurance early and check your vehicle status through official portals.