# How to Transfer Car Insurance from One Person to Another **Published:** 2026-01-22T09:46:51.469Z **Updated:** 2026-09-28T12:32:36.065Z **Author:** Nupur Jain **Reviewer:** Toshita Chauhan Balochi **Original Url:** https://www.policybazaar.ae/how-to-transfer-car-insurance-from-one-person-to-another-ciart/ **We are Rated:** 4.7/5 **Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Insurance Partners:** 35+ **Trusted Customers:** 2 Million+ **Policies Sold:** 1 Million+ Find out how to transfer car insurance in the UAE. Whether buying a used car or selling your own, this transfer can simplify the process. Read on to learn more and stay protected. Planning to sell your car or thinking of buying a second-hand one for yourself? A key step in this process is knowing how to transfer [car insurance in the UAE](https://www.policybazaar.ae/car-insurance/). The process varies as per the insurer and other factors. However, it’s crucial to know at least the basic steps. This way, both parties can comply with regulations and hit the road with confidence. ## Process of Car Insurance Transfer in UAE It’s easy to transfer car insurance from one person to another while selling a car. However, before we dive into the steps, it’s important to clarify this: not all insurers allow transfers. Some let you transfer motor insurance at the time of selling. Others, however, may ask you to cancel the policy. In this case, the buyer will need to get new coverage for themselves. The process is fairly simple. First, inform your insurer that you plan to sell your car and transfer its insurance. Next, provide all the key details related to yourself and the buyer. This requires a few documents that we will cover later. Once done, wait for your insurer to review the details. If approved, you will need to pay a transfer fee for the same. With the official transfer document, the buyer can get the registration done. ## Required Documents for Car Insurance Transfer in UAE **Here is the list of documents to complete the transfer of car insurance from one person to another in the UAE —** * Original document of the policy * Emirates ID of the buyer * Filled out motor insurance transfer form * Driving licence of the buyer **Vehicle registration card (Mulkiya) of the car** ## No Claim Bonus – Is It Transferred to the New Owner? No, this is not possible. While you can transfer car insurance in UAE, your no-claim bonus (NCB) cannot be transferred. This is because this bonus is related to the driver, not the car itself. So when you transfer your policy, the discount won’t go to the new owner. In this case, the concerned insurance company will evaluate the risk profile of the buyer and set the premium accordingly. This, however, does not mean that your NCB goes to waste. As mentioned earlier, this discount is tied to the driver or policyholder, not the vehicle. So even if you sell your car and transfer insurance, you’ll retain the bonus. You can use the no-claim letter to get a discount when you buy car insurance for your new vehicle. ## Related Car Insurance [Third Party Car Insurance](https://www.policybazaar.ae/third-party-car-insurance-cic/) [Comprehensive Car Insurance](https://www.policybazaar.ae/comprehensive-car-insurance-cic/) [Car Insurance Calculator](https://www.policybazaar.ae/car-insurance-calculator-uae/) [Non Gcc Car Insurance](https://www.policybazaar.ae/non-gcc-vehicles-affect-car-insurance-premium-ciart/) [Check Car Insurance Status Online](https://www.policybazaar.ae/how-to-check-car-insurance-status-online-for-your-policy-ciart/) ## What Happens if the Car Insurance Transfer is Not Done? If you don’t transfer car insurance, the existing policy becomes invalid for the new owner. This effectively means the buyer will be driving without valid insurance coverage, which is illegal in the UAE. The penalties for this can include 4 black points, AED 500 fine, and more. In this case, the buyer will need to buy a fresh policy to drive the car. This process has to be done quickly. Between the point of buying a used car and getting a new policy, the buyer will be without coverage. Any accidents or damages in this period will not be covered. This means the buyer will be liable for handling the costs themselves. ### The Final Word It’s important to transfer car insurance in Dubai when you sell a car or buy a used one. Not only will it allow you to carry on your upcoming purchases and operations smoothly, but it will also make the life of the new owner easy. The precious moment of owning a new vehicle for the second owner can be as joyful as it should be if this small and rather easy process is handled in time and efficiently. | **Related Articles** | | --- | | [What is the Black Points System in Dubai?](https://www.policybazaar.ae/what-is-the-black-points-system-in-dubai-ciart/) | [Car Registration Renewal in Dubai](https://www.policybazaar.ae/know-everything-about-car-registration-renewal-in-dubai-ciart/) | | [Renew Your Car Registration in Dubai without Paying Off Your Outstanding Traffic Fines](https://www.policybazaar.ae/renew-your-car-registration-in-dubai-without-paying-off-your-outstanding-traffic-fines-ciart/) | [How to Transfer Your Car Ownership and Registration in UAE](https://www.policybazaar.ae/how-to-transfer-your-car-ownership-and-registration-in-the-uae-ciart/) | | [How to Transfer Car Registration from Dubai to Abu Dhabi](https://www.policybazaar.ae/car-insurance/articles/how-to-transfer-car-registration-from-dubai-to-abu-dhabi/) | [A Short Guide to Renew Your Car Registration in Dubai](https://www.policybazaar.ae/know-everything-about-car-registration-renewal-in-dubai-ciart/) | | [License Plate in Dubai](https://www.policybazaar.ae/license-plate-in-dubai-ciart/) | [Driving Codes that Driver of the UAE](https://www.policybazaar.ae/the-driving-codes-that-driver-of-the-uae-must-follow-ciart/) | ## Know More About Car Insurance [Car Insurance Sharjah](https://www.policybazaar.ae/car-insurance-sharjah/) [Car Insurance Abu Dhabi](https://www.policybazaar.ae/car-insurance-abu-dhabi/) [Best Car Insurance in UAE](https://www.policybazaar.ae/car-insurance/articles/top-10-car-insurance-companies-in-dubai/) [Check Vehicle Insurance Status Online in UAE](https://www.policybazaar.ae/how-to-check-car-insurance-status-online-for-your-policy-ciart/) [Car Insurance Calculator UAE](https://www.policybazaar.ae/car-insurance-calculator-uae/)[Car Depreciation Calculator](https://www.policybazaar.ae/car-insurance/car-depreciation-calculator/) [Non Gcc Car Insurance](https://www.policybazaar.ae/non-gcc-vehicles-affect-car-insurance-premium-ciart/) [Temporary Car Insurance](https://www.policybazaar.ae/temporary-car-insurance-ciart/) [Gcc Car Insurance](https://www.policybazaar.ae/car-insurance/articles/gcc-car-insurance/) [Salik Registration & Activation](https://www.policybazaar.ae/car-insurance/articles/salik-registration-and-activation-in-uae/) [Check Car History with Chassis Number](https://www.policybazaar.ae/car-insurance/articles/check-car-history-with-chassis-number-in-the-uae/) [Check Car Accident History UAE](https://www.policybazaar.ae/car-insurance/articles/how-to-check-car-accident-history-in-uae/) [How to Remove Black Points in UAE](https://www.policybazaar.ae/black-points-in-the-uae-and-how-to-reduce-them-ciart/)[How to Transfer Car Insurance to New Owner](https://www.policybazaar.ae/how-to-transfer-car-insurance-from-one-person-to-another-ciart/) [Total Loss Car Insurance](https://www.policybazaar.ae/car-insurance/articles/total-loss-car-insurance/) [Car Transfer Ownership](https://www.policybazaar.ae/how-to-transfer-your-car-ownership-and-registration-in-the-uae-ciart/) [How to Check if Car is Gcc Spec](https://www.policybazaar.ae/car-insurance/articles/how-to-check-if-car-is-gcc-spec/) **Other Insurance Products -** [Health Insurance Dubai](https://www.policybazaar.ae/health-insurance/) | [Health Insurance Check with Emirates id](https://www.policybazaar.ae/how-to-check-medical-insurance-status-with-emirates-id-hiart/) | [Life insurance](https://www.policybazaar.ae/life-insurance/) | [Term Life insurance UAE](https://www.policybazaar.ae/term-insurance/) | [Term Insurance Calculator](https://www.policybazaar.ae/term-insurance/term-insurance-calculator/) | [Investment Plans UAE](https://www.policybazaar.ae/investment-plans/) | [5 SIP Plans in Dubai](https://www.policybazaar.ae/top-5-sip-plans-for-investment-in-uae-ipart/) | [Short Term investment Plans](https://www.policybazaar.ae/7-best-short-term-investment-options-with-high-returns-in-the-uae-ipart/) | [SIP in Dubai](https://www.policybazaar.ae/investment-plans/sip-investment/) | [Dubai Travel Insurance](https://www.policybazaar.ae/travel-insurance/travel-insurance-dubai/) | [How To invest 10,000 AED](https://www.policybazaar.ae/smart-ways-to-invest-aed-10000-ipart/) | [Group Health Insurance](https://www.policybazaar.ae/group-health-insurance-hic/) | [Home Insurance Dubai](https://www.policybazaar.ae/home-insurance/) | [Professional Indemnity Insurance](https://www.policybazaar.ae/business-insurance/professional-indemnity/) Last Updated At - 28 September 2026 ←Previous [Car Insurance Policy Lapsed or Expired – What to Do Now?](https://www.policybazaar.ae/car-insurance-policy-expired-ciart/) Next→ [5 Ways to Find Your Car Insurance Number in the UAE](https://www.policybazaar.ae/find-your-car-insurance-policy-number-ciart/)