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Car Insurance Transfer refers to the process of shifting an existing car insurance policy from one owner to another when a vehicle is sold or ownership changes. Instead of canceling the policy and buying a new one, the insurance is officially updated with the new owner’s name, details, and documents.
Buying or selling a vehicle in the UAE requires more than just signing the sale agreement. The insurance on the car must legally follow the new owner or be cancelled and replaced. A smooth car insurance transfer guarantees continuous protection, keeps you compliant with traffic laws, and helps you avoid unexpected fines at registration.
Not every insurer permits policy reassignment. Always confirm that your insurer will endorse the policy to the new owner before you shake hands on a deal.
The cost of transferring car insurance in the UAE varies based on several factors, including the type of vehicle, policy coverage, insurer guidelines, and whether any additional services or endorsements are required during the transfer process. Below is an estimated pricing overview commonly associated with car insurance transfer fees:
| Type of Vehicle | Approx. Transfer Cost |
|---|---|
| Private vehicles (3–12 tonnes) | AED 350 – AED 400 |
| Public / commercial vehicles (3–12 tonnes) | AED 600 – AED 650 |
| Private heavy vehicles (above 12 tonnes) | AED 700 – AED 800 |
| Public heavy vehicles (above 12 tonnes) | AED 900 – AED 1,000 |
| Document | Current Owner | New Owner |
|---|---|---|
| Emirates ID copy | ✓ | ✓ |
| Valid driving licence | — | ✓ |
| Original Mulkiya (registration card) | ✓ | — |
| Vehicle inspection certificate (if due) | ✓ | — |
| No-claim certificate (optional) | — | ✓ |
Buying or selling a used car in the UAE? Or planning to transfer vehicle ownership within your family or business? One important step many drivers overlook is transferring the existing car insurance policy to the new owner.
Transferring car insurance ensures that the newly registered owner is fully protected on the road and that the insurer has the correct details to process future claims. Whether the vehicle is being sold, gifted, or moved between personal and company ownership, completing the transfer on time is essential—both legally and financially.
Transferring a policy can feel bureaucratic, especially if you are juggling RTA appointments and buyer negotiations. InsuranceHub partners with 50+ Central Bank–approved insurers to handle the paperwork for you. Our three-step digital flow—upload documents, review quotes, sign electronically—means you can finalise a car insurance transfer without leaving home. We even arrange on-site vehicle inspection if it is due.
A legally endorsed car insurance transfer protects both seller and buyer, avoids penalties, and keeps the vehicle road-legal. Use InsuranceHub.ae dedicated transfer portal to save time and money while our advisors manage the formalities.
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Car insurance transfer is the process of moving an existing insurance policy from one owner or vehicle to another when a car is sold, bought, or ownership changes in the UAE.
Yes. When selling a car in the UAE, the insurance must either be cancelled and refunded or transferred to the new owner before vehicle registration is completed.
Yes. If you buy a new car, your existing policy can be transferred to the new vehicle, subject to:
Most car insurance transfers are completed within 24 to 48 hours, depending on inspection and insurer processing time.
Yes. You can switch from third-party to comprehensive insurance during the transfer process after vehicle inspection.
