When applying for car insurance in UAE, it is not always easy because a driver sits and hands over his or her driver license. High numbers of insurers require a driver agent called an abstract–a report that details your driving background, including violations and crashes, and years of driver experience. To German expats in the UAE, this document is important in generating a favorable insurance premium and in complying with the relevant laws. Nonetheless, a key component to the procedure is that the abstract must be translated properly out of German and into Arabic or English within the context of the UAE legal and insurance norms.
The Importance of a Drivers Abstract to UAE Insurance
Auto insurance rates in the UAE can be determined using the driving history of the applicant. The abstract of a German driver is something that will give the insurers a document that they can verify and use to gain substantial discounts. This can be done, say, through a clean driving history and years of practice that will diminish the perceived risk and lead to lower premiums. Lack of a translated and certified driver abstract may force the insurers treat the applicant as inexperienced drivers, which incurs additional expenses.
This document is especially essential to individuals who would like to have maximum coverage and also to individuals who are moving to the UAE and wish to transfer their no-claims bonus which they had in Germany. In other instances, the insurers may insist that the abstract of the driver should be fresh or of recent due to the validity of the information.
UAE requirements of translation and legalization
Any official documents that are presented to the government offices or insurance companies in the UAE are expected to be in Arabic or sometimes in English just so expressly accepted by the insurer. The abstracts of German drivers will thus have to be translated by a legal translator licensed by MOJ so that the translation can be valid.
German translation does not immediately mean changing the words in the text into a different language, the translation practice also applies to retaining the format, technical jargon and legality of the original text. To give a typical example, one of the terms used in German traffic records, namely, the word Verkehrszuwiderhandlung, which is used there, to signify the same thing as the traffic offence, may not have any equivalent in Arabic or in English. In these instances, the translator has to give a valid description that is in line with the UAE traffic and insurance terms.
After the translation has been made, it frequently should undergo the procedure of the attestation or notarizing the document. This can include:
- German authentication (Notary or fortalnee)
- UAE Attestation In Germany
- Last-minute approval at the arrival by the UAE ministry of foreign affairs (MOFA)
These procedures make the abstract that has been translated to be accepted formally by the insurance companies and any authority in the government.
Some General Problems of Translating German Drivers Abstrakts
A lack of enforcement of complete or updated driver abstracts is another of the most common problems German expats can experience. In case dates, types of the licenses possessed, or any detailed accident/violation history is not clearly indicated in the document, then UAE insurers would reject the document. The other source of ambiguity, in the context of translation, is the lack of proper clarification of the abbreviations and shorthand that may be used in German reports.
The similar issue is the consistency of the documents. It might even affect the insurance application procedure in the event that the name, date of birth or license number on the abstract does not match with the other documents like the Emirates ID, resident visa or the driver license. That is why legal and automotive industry knowledge is essential to professional translators.
The Easiest Way to Translate and submit
The German expats are advised to get their driver abstract much in advance before seeking insurance cover to ensure that they evade unnecessary delays and rejection of their applications. An abridged one is recommended to be purchased either in a new form of the Kraftfahrt-Bundesamt (KBA) or the relative local licensing office in Germany. This helps in keeping your document current and helping you disclose your best driving record.
When you already have the document, there is a need to find a licensed translator in UAE that is conversant with German automotive and legal words. A copy of your German driver s license and passport would also work as supporting documents to the translator to ascertain accuracy of personal details.
It is also prudent to ask your insurance company as to whether they need the translation to be facilitated in Arabic, English, or both. In other instances, insurers may also demand both copies to be provided to hold upon their files especially when the document will be tendered to the Road and Transport Authority (RTA) as well to be verified.
The Implication on Your Insurance Premiums
Obtaining a certified translation of your 3 point German driver abstraction can produce huge economic savings. Insurance companies tend to rate experienced drivers with no record under clean an assumption that they are less risky to insure and this is directly related to the premiums payable. Moreover, a no-claims discount can be offered by some companies depending on the confirmed record so the expats may retain the benefits earned in Germany.
Saving on cost, a complete and literal translated driver abstract will facilitate rapidity in the approval process. What this entails is that you can receive your insurance faster, and have your vehicle registered much quicker all without incurring unnecessary delays.
Conclusion
A driver abstract translation is thus a very essential process in the German Expat in the UAE in achieving reasonable insurance rates as well as adhering to the local needs. Every step is important since it needs to be taken in Germany to secure the document and going through the process of translation and legalization in the UAE. A legally accepted driver abstract translated by professional translators that is notarized is not only useful in facilitating the insurance application, but will also translate into a financial gain.
By taking the time and getting the right translation and attestation done, you have the confidence that your driving history reflects what it should so you can get in the car and drive knowing you are covered—and paying appropriately, rather than unnecessarily spending too much on your insurance.
