In the UAE, you obtain your car's insurance claims history report directly from your current or previous insurance provider, or through the official channels of the Ministry of Interior (MOI UAE). This report, often called a "No Claims Certificate" (NCC) or claims history, is a standardized document within the UAE market. For a seamless process, the MOI UAE app and website offer a digital service to request this certificate, which is widely accepted by all insurers in the country. The Central Bank of the UAE, as the regulator for the insurance sector, mandates that companies provide this document to customers upon request, typically free of charge when renewing with the same company. A clean report is crucial for securing the best possible premium; a single at-fault claim can increase your annual premium by 15% to 30%, depending on the insurer's policy. For example, switching insurers with a 5-year claim-free history for a 2019 Toyota Camry could save you between AED 500 to AED 1,200 compared to a driver with one claim. The report in the UAE is standardized and details the claim date, type, and approximate paid amount. You can request it via the MOI UAE app under traffic services. Insurance companies are obligated to provide this document for free upon renewal.
