Standard documents
These are the documents most commonly requested. Individual insurers may ask for more depending on the vehicle, the driver profile or the type of cover.
- Emirates ID — front and back.
- UAE driving licence — front and back.
- Mulkiya (vehicle registration card), or the purchase invoice for a brand-new car not yet registered.
- Passport and residence visa page, where the insurer requests it.
Documents that can improve your terms
Claim-free history is one of the few factors you can evidence directly, so it is worth requesting the certificate from your outgoing insurer before your policy lapses.
- Your previous policy schedule, showing the cover you currently hold.
- A no-claim certificate or claims history letter from the previous insurer.
- Home-country licence and driving history, where you have recently moved to the UAE.
Situation-specific documents
Disclose modifications and prior accident damage accurately. Non-disclosure is one of the most common reasons a claim is disputed later.
- Ownership transfer: the seller's details and the transfer paperwork; the new policy must be in the buyer's name.
- Imported vehicle: import and customs documentation, and often a physical inspection.
- Modified vehicle: details of the modifications, which may affect eligibility or require disclosure.
- Company-owned vehicle: trade licence and authorised signatory documents.
Important: The information on this page is general guidance about motor insurance in the UAE and is not a policy document or a guarantee of cover. Cover, benefits, exclusions, excess amounts and pricing differ between insurers and depend on your vehicle, driver profile and the policy wording issued to you. Always read the policy schedule and terms issued by the insurer before purchasing.