Dubai: Under UAE traffic law, every vehicle on the road must have motor insurance, with third-party liability cover as the minimum legal requirement.
Despite strict enforcement, uninsured driving still occurs — sometimes because:
- Policies lapse unnoticed
- In rare cases, drivers deliberately avoid coverage
According to Gulf News, driving without insurance exposes motorists to:
- Fines
- Black points
- Vehicle impoundment
- Serious financial and legal consequences in the event of an accident
Such cases present serious liability risks both for the uninsured driver and for others on the road.
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⚠️ Fine for Driving an Uninsured Vehicle in UAE
Motorists caught without valid insurance face:
- 💰 Dh500 fine
- 📝 Four black points on their licence
- 🚓 Vehicle impoundment for seven days
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🚨 What Happens if an Uninsured Vehicle is in an Accident
👉 The police will always:
- Attend the scene
- Issue a formal accident report
- Penalise the uninsured driver with fines, black points, impoundment, or even licence suspension
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🔎 Two Possible Outcomes
✅ If You Are at Fault
- With comprehensive cover → Your insurance company pays for repairs and claims.
✅ If You Are Not at Fault
- With comprehensive cover → Your insurer pays for your repairs and later recovers costs from the other party.
- With third-party liability insurance → The other driver is liable to pay for your repair costs.
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📝 Key Takeaway
- Comprehensive insurance ensures immediate protection even if the other driver is uninsured.
- Third-party insurance means you must rely on the other party to pay if they are at fault.
- Driving without insurance in the UAE = Dh500 fine + 4 black points + 7-day impoundment, along with major financial and legal risks.
✅ Always keep your insurance valid and updated to stay protected.
Source: Gulf News
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