Navigating car insurance in the UAE can be tricky, but understanding how to get your money back for unused insurance can be a big help. The car insurance refund certificate is particularly important if you’re selling your car, moving it to a new place, or changing its registration details.
This guide will explain a car insurance refund certificate, its usefulness, and how to get one in the UAE, in cities like Dubai and Sharjah.
Introduction to car insurance refund certificate
A car insurance refund certificate is a document provided by the UAE’s Roads and Transport Authority (RTA). It is an official document that allows you to get back money from your car insurance that you didn’t use. This is useful if you sell your car, transfer it to another emirate, or export it out of the UAE.
The RTA insurance refund Certificate is issued to ensure you get a refund for any insurance coverage that is no longer needed.
Why is the car insurance refund certificate important?
- Get your money back: It helps you get back money from the unused portion of your car insurance.
- Follow the rules: It ensures you meet local laws when you sell or export a car.
- Ease of process: It makes handling car insurance easier when selling or transferring a car.
Requirements for issuing a car insurance refund certificate
To get a vehicle insurance refund certificate, you need to meet certain conditions:
- Vehicle status: The car must be moved to another emirate, exported from the UAE, or registered under a possession certificate.
- Clear all fines: You must pay off all traffic fines associated with the vehicle before applying for the certificate.
Along with that, you will require the following documents in the process:
- Emirates ID: The original Emirates ID is needed for updating your details.
- Vehicle Data: Document that specifies the vehicle’s information.
You can easily apply for and get your car insurance refund by ensuring these requirements are met.
How to get a car insurance refund certificate?
As per the Gulf News, you can get a car insurance refund certificate on:
- RTA’s official website
- Dubai Drive App
- By calling on the hotline number: 800 9090.
Simple step-by-step guide
Applying for a vehicle insurance refund certificate in the UAE on the official RTA website is easy if you follow the following steps:
Step 1: Visit the RTA website
- Go to www.rta.ae.
Step 2: Log in to your account
- Enter your username and password.
- Click ‘Login’.
Step 3: Access Licensing Services
- Click on the “Licensing Services“ icon from the dashboard.
- Go to the “My Vehicles“ section.
Step 4: Select Insurance Refund Certificate
- Click the “General Services“ button.
- Choose the “Insurance Refund Certificate“ link.
Step 5: Agree to terms & conditions
- On the main page, check the box to agree to the terms & conditions.
- Click the “Apply for the Service“ button.
Step 6: Enter vehicle and insurance details
- Type in the policy number.
- Select the expired insurance date.
- Enter the chassis number.
- Click the icon to search for your insurance company.
- Type the company name or part of it, click “Search,” and select the required company.
- Click “Select Company“ to close the window and return to the previous page.
Step 7: Confirm and choose the delivery method
- Click “Confirm & Proceed to Delivery Method.”
- Choose your preferred delivery method: E-Certificate (download), courier delivery or collection from the RTA office.
Step 8: Provide additional information
- If choosing E-Certificate: Enter your contact information and click “Confirm & Proceed to Payment.”
- If choosing Courier Delivery: Fill in the delivery address details, select Emirates and area, enter delivery contact information, select delivery date, and click “Confirm & Proceed to Payment.”
- If choosing Collection from the RTA office: Select the RTA office, enter contact information, select collection date, and click “Confirm & Proceed to Payment.“
Step 9: Make the payment
- Review the fees, which vary based on the delivery method and the number of vehicles.
- Click “Pay” to start the payment process.
Step 10: Get Your receipt and certificate
- After payment is successful, a receipt page will display with the request reference number.
- Click “View & Print Receipt“ to see the request details.
- If you chose E-Certificate, click “View E-Certificate” to download it.
Following these steps, you can apply for and receive your insurance refund certificate UAE online through the RTA’s online services. This process ensures you get back any unused portion of your car insurance promptly and efficiently, saving you both time and money.
Car insurance refund certificate cost
The total cost for obtaining a car insurance refund certificate is Dh120. This includes Dh100 for the certificate itself and an additional Dh20 for knowledge and innovation fees.
Note: The total fees may change depending on your chosen delivery method and the number of vehicles involved.
Final takeaway
Understanding the car insurance refund certificate is important for anyone dealing with car sales or transfers in the UAE. It helps you get back money from unused insurance, making the process smoother and more cost-effective. By following the steps provided by the RTA, you can easily obtain this certificate and manage your car insurance better.
Knowing how to get an insurance refund certificate in the UAE can help you manage your car insurance more effectively and avoid unnecessary costs.
Frequently Asked Questions (FAQs)
Do we get car insurance money back?
Yes, you can get a refund for the unused portion of your car insurance if you sell your car, transfer it to another emirate, or export it out of the UAE. You need to apply for an insurance refund certificate to receive this refund.
How to get a vehicle insurance refund certificate?
You must apply through the Roads and Transport Authority (RTA) website for a vehicle insurance refund certificate in the UAE. Follow the step-by-step guide to log in, fill in your vehicle and insurance details, choose your delivery method, and complete the payment process to receive your certificate.
What is written in the Car Insurance Refund Certificate in UAE?
The car insurance refund certificate in the UAE includes details such as the vehicle’s insurance policy number, the refund amount, the expiration date of the insurance, and confirmation that the car has been transferred, exported, or given a possession certificate.
How will the Car Insurance Refund Certificate be of help to me?
The car insurance refund certificate helps you reclaim the money for the unused portion of your car insurance. This is particularly useful when you sell your car or no longer need the insurance, as it ensures you do not lose money on insurance coverage that is no longer necessary.
