If you are scouting around the UAE looking for the best car insurance plans, then one of the many questions that might have left you baffled was ‘why is a car insurance policy valid for 13 months?’. The general assumption for most policies is that they are valid only for a period of 12 months. However in the UAE, the Roads and Transport Authority (RTA) department has issued a one-month grace period to renew your car registration. Which means, you get an extra penalty-free month to renew your car insurance policy.

It is advisable to get your policy renewed and registration done before the grace period of the 13
months is over. By doing this, you can avoid getting fines or shelling out for costs in case of an accident.

During the one-month period, you’ll be free from these fines however, if you remain unregistered, you can be fined by the authorities each day your car remains unregistered. This generous grace period also comes in handy if you want to sell your automobile after a year. The 13-month validity reassures you that you’ll remain safely insured absolutely free while you look out for potential buyers.


Although you are given an extra month, most insurance policy providers will begin to send across reminders to renew your car insurance policy couples of months prior. This still gives you plenty of time to do your research and compare prices of other insurance policies out there before recommitting to your current provider. Your transition to the new policy can happen during this grace period without worrying about incurring any fines. Allow BankOnUs to help you find a suitable policy provider that best meets your car needs.

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