Is COC the same as a no-claims certificate in UAE motor insurance?

Usually no — they are different documents, though the acronym COC adds confusion. A no-claims certificate confirms how many years you held motor cover without making a claim, and is used to qualify for a no-claims discount when you move insurers. "COC" in UAE insurance more often refers to a Certificate of Continuity (proving unbroken cover, common in health insurance) or a certificate/confirmation of coverage (proving a policy is active and what it covers). On motor documents, some insurers also use cover or compliance certificates. Because the same three letters get reused, never assume the COC you were asked for is your no-claims history. Instead, ask the requesting party — a new insurer, employer, or authority — exactly which document and details they need, then request that specific certificate from your insurer or broker. UAE insurers are licensed by the Central Bank of the UAE and must issue accurate documentation. If you are given the wrong certificate or one with errors, ask for a written correction. Where a coverage or discount dispute results, you can compare verified UAE legal professionals on LEXAI for guidance.