What is a no-claims certificate for car insurance in the UAE?

A no-claims certificate (sometimes linked to a no-claims discount or "bonus") is a document from your current or previous motor insurer confirming how long you have held cover without making a claim. In the UAE, insurers often use your claims-free history to decide eligibility for a discount on a new policy, so a fresh certificate can reduce your premium when you switch. The document usually states the policyholder's name, the vehicle or policy details, the period of cover, and confirmation of the claims-free years. To get it, ask your existing insurer or broker, ideally close to renewal so it is current. Note that a no-claims certificate is different from a Certificate of Continuity or a certificate of coverage — they prove different things, so request the one your new insurer actually needs. Motor insurers in the UAE are licensed and supervised by the Central Bank of the UAE and should provide this documentation on request. If an insurer wrongly refuses to confirm your claims history and it costs you a discount, complain to the insurer, then the regulator. For a dispute, you can compare verified UAE legal professionals on LEXAI.