To get car insurance in the UAE, you will need several important documents and procedures, one of which is the Hiyaza in car insurance. Understanding what Hayaza for car in Dubai means and its role in car insurance can help you understand the process more efficiently and ensure that your vehicle ownership and insurance are correctly documented.
In this blog, we will look into the concept of Hiyaza in car insurance, its significance, the required documents and how to obtain it in the UAE.
Understanding Hiyaza in car insurance
Hiyaza, also known as Hayaza, is a document that proves vehicle possession or ownership. In car insurance, it serves as crucial proof of ownership for transactions such as buying insurance, transferring ownership, or selling a vehicle.
What is the Hiyaza certificate?
The Hiyaza certificate, also known as Hayaza or Vehicle Possession Certificate, is an official document that confirms a vehicle’s possession or ownership. This certificate is vital in car insurance and vehicle registration processes, as it serves as concrete proof of ownership.
The importance of Hiyaza in car insurance
Why do you need a Hiyaza certificate?
Hiyaza in car insurance is crucial to have for several reasons:
- Legal requirement: Registering a vehicle and obtaining car insurance in the UAE is mandatory. Without it, you cannot legally drive your vehicle.
- Insurance verification: Insurance companies use the Hiyaza certificate to confirm vehicle ownership before issuing a policy.
- Claims processing: If there is an accident or damage, the Hiyaza helps insurance companies verify vehicle details, preventing fraud and ensuring fair claims processing.
- Ownership transfers: The certificate is required for the official transfer of ownership when buying or selling a vehicle.
- Legal proof: A legal document can be used in disputes or claims.
- Vehicle identification: Includes details like make, model, and year of manufacture, which are important for insurance assessment.
- Vehicle valuation: Provides information on the vehicle’s value, which helps determine the insured amount and calculate insurance premiums.
The Hiyaza certificate ensures all vehicle ownership and insurance aspects are properly documented, making it a key element in the UAE’s car insurance process.
Required Documents for Hiyaza Certificate
To get a vehicle possession certificate, you will need the following documents:
- For individuals: Original Emirates ID.
- For companies: Official letter in Arabic, trade license copy, and memorandum of association (for LLCs involved in vehicle trading).
- For diplomats: Official letter from the consulate and foreign affairs ministry.
- For all: Vehicle registration plate, electronic mortgage release (if applicable), and traffic file of the owner.
How to Get a Hiyaza Certificate
Here are the following steps to get Hayaza Dubai certificate:
Online application process
- Visit the RTA website: Go to the official RTA website.
- Log in or create an account: Sign in using your UAE Pass or username and password, or create a new account if needed.
- Choose ‘Licensing Service’: Select the service that matches your requirements.
- Fill out the application form: Enter all necessary details, including personal and vehicle information.
- Confirm your ID: Verify your identity using the UAE Pass.
- Upload required documents: Attach copies of essential documents like proof of identity and vehicle registration.
- Review and submit: Check all details for accuracy, pay the required fees online, and apply.
- Receive proof of vehicle possession: After payment, receive your possession document from the RTA once approved.
In-person application process
- Visit an RTA service centre: Go to the nearest RTA office or service centre.
- Collect the application form: Ask for the RTA Vehicle Possession Certificate application form.
- Fill out the form: Complete the form with all necessary details, ensuring all information is correct.
- Attach required documents: Provide photocopies of required documents, like proof of identity and vehicle registration.
- Submit the application: Hand in the completed form and documents to the RTA representative.
- Pay the application fee: Pay the fee at the counter using cash or a card and receive a payment receipt.
- Wait for processing: The RTA will process your application; you may need to wait a few minutes to days for approval.
- Collect your certificate: Once approved, pick up your Vehicle Possession Certificate from the RTA office or mail it to your address.
Tips for a smooth application process
- Understand RTA requirements: Be familiar with the specific requirements for your region’s RTA office.
- Use valid documents: Ensure all proof of identity and vehicle registration documents are current and valid.
- Double-check information: Fill out the application form carefully to avoid errors or missing details.
- Ensure payment accuracy: Pay the application fee correctly and provide accurate payment details.
- Attach all required documents: Include all necessary documents when submitting your application.
- Review before submitting: Review your application thoroughly to confirm all correct information.
- Track application: Check the status of your application and follow up with the RTA if needed.
Final takeaway
Obtaining the Hiyaza certificate is essential for smooth car ownership and insurance processes in the UAE. With this document, you’ll ensure legal compliance, facilitate ownership transfers, and ensure fair insurance claims. Follow the outlined steps to acquire your certificate easily and ensure that your vehicle is properly documented in compliance with UAE regulations.
Frequently Asked Questions (FAQs)
What is Hiyaza in the UAE?
Hiyaza, or vehicle possession certificate, is a document proving vehicle ownership in the UAE. It is needed for registration, insurance, and ownership transfers.
Why is a Hiyaza certificate important for car insurance?
Hiyaza in car insurance verifies legal ownership, which insurance companies require to issue policies and process claims.
How do I apply for a Hiyaza certificate online?
Visit the RTA website, log in, complete the application form, upload documents, pay the fee, and submit. Once the application is approved and authorised, you can track it and download the certificate.
What documents are required for a Hiyaza certificate?
You’ll need your Emirates ID, vehicle registration, and relevant company or diplomatic documents.
Can I apply for a Hiyaza certificate in person?
Yes, visit an RTA service centre, fill out the form, submit documents, and pay the fee.
How long does it take to get a Hiyaza certificate?
For online download or collection at the RTA office, processing can take a few minutes to days.
What if my Hiyaza application is delayed?
Check the status online or contact the RTA for updates and assistance.
How much does it cost to obtain a Hiyaza certificate?
To obtain a Hiyaza certificate in the UAE, you’ll need to pay a 100 AED certificate fee plus a 20 AED knowledge and innovation fee. If you’re transferring ownership, the fee for buyers is 400 AED.
