Now you can get UAE vehicle insurance in easy monthly installments using Tabby or Tamara, directly through Harf Typing and Documents Clearing.
This new update from Harf helps thousands of UAE residents and companies to manage their vehicle insurance payments more easily — no need to pay the full amount at once.
You can now divide your insurance cost into up to 12 months, making it affordable and simple for everyone.
The best part? It’s a completely online process — no need to visit any office. Whether you have a private vehicle or a company-owned vehicle, you can get your full or third-party insurance in easy installments through Tabby or Tamara.
🚗 Vehicle Types Covered
You can get insurance in installments for all types of vehicles, including:
- Cars (sedans, SUVs, hatchbacks)
- Vans and minibuses
- Buses (school, staff, or commercial)
- Pickup trucks and heavy vehicles
- Motorbikes and delivery bikes
No matter what kind of vehicle you drive, Harf can arrange both full coverage and third-party insurance plans with the option to pay monthly.
📋 Documents Required
To get your insurance through Tabby or Tamara, you will need the following:
- Active Tabby or Tamara account with an available spending limit
- Current Vehicle Registration Card (Mulkiya)
- Owner’s Emirates ID (must be valid and latest)
- Owner’s UAE Driving License (must be valid and latest)
- Vehicle Passing Test Result
If your vehicle is under transfer of ownership, then Mulkiya is not required — instead, you must provide the Transfer Certificate and the new owner’s documents.
If the vehicle is registered under a company, a copy of the Trade License is required to check the insurance price and issue the policy under the company’s name.
💻 Step-by-Step Process
Harf makes the entire process 100% digital and easy for anyone in the UAE.
- Send your documents via WhatsApp at +971 50 893 9306 or email to [email protected].
- A Harf Support Agent will review your documents and check the total insurance price.
- You’ll receive the insurance quote and payment breakdown for approval.
- Once you confirm, Harf will send a payment link.
- Open the link → select Tabby or Tamara → fill in your information → verify with OTP.
- Choose your preferred installment duration (4, 6, 8, or 12 months).
- Pay the first installment securely using your debit or credit card.
- Within 30 minutes (maximum), your insurance policy will be ready, and it will automatically be linked in the government system for vehicle renewal.
🧮 Installment Duration & Conditions
- Tabby provides flexible installment options: 4, 6, 8, or 12 months.
- 4-month is the default and interest-free.
- Longer plans (6, 8, or 12 months) may include small extra service fees from Tabby.
- Tamara provides a maximum of 4-month installment plan.
Your approval depends on your Tabby/Tamara account usage and credit limit.
- If you’re a frequent user, approvals are almost instant.
- If you’re a new user or don’t have an account, Harf can help check your eligibility before applying.
💡 Example: Insurance Price Breakdown
If your vehicle insurance price is AED 580, the breakdown will be:
- Insurance Fees: AED 580.00
- Tabby/Tamara Payment Gateway Fee (8%): AED 46.40
- Total Fee (Including Gateway Fee): AED 626.40
- 4-Month Installment Plan: AED 156.60 per month
- 6-Month Installment Plan: AED 104.40 per month
👉 Example: If you select a 6-month plan and pay AED 104.40 through Tabby, Harf will immediately activate your AED 580 insurance for your vehicle.
🕒 Insurance Approval Time
Once your first installment payment is made, Harf instantly receives the total amount and issues the insurance.
Your insurance certificate is usually ready within 30 minutes (maximum) and is reflected in the RTA/Insurance system.
You can use it right away for vehicle renewal or ownership transfer.
📅 FAQs
🕐 When will I get my insurance?
You will receive your insurance after paying the first installment.
If you make the payment during working hours, your insurance will be issued the same day.
(Insurance processing is done only on official workdays.)
💰 How much does car insurance cost in the UAE?
The price of vehicle insurance depends on several factors:
- Vehicle make and model
- Year of manufacture
- Country of origin (Japan, Korea, Germany, etc.)
- Previous accident history
- Owner’s details and driving record
Approximate prices for standard cars start from AED 550 to AED 800.
To get the exact price, send your vehicle and driver details to [email protected] or WhatsApp +971 50 893 9306.
🚘 Can I renew my vehicle after taking insurance in installments?
Yes, sure. Once you pay the first installment, Harf receives the total insurance amount from Tabby or Tamara. Using that, Harf issues your insurance policy, and it is linked in the UAE government system (RTA/MOI).
You can immediately proceed with your vehicle renewal once the insurance is active.
💳 Can I pay traffic fines in installments using Tabby?
Yes. Harf also provides traffic fine installment services using Tabby and Tamara.
You can pay any Dubai Police, RAK Police, Sharjah Police, or MOI traffic fines in monthly installments.
Harf handles the complete process — including vehicle renewal, insurance, traffic fine payment, and ownership transfer — all in one place.
🌟 Why Choose Harf?
- 100% Online Process — No need to visit the office
- Available for Private & Company Vehicles
- Instant Approval for active Tabby/Tamara users
- Full Coverage & Third-Party Insurance Options
- All vehicle types supported (cars, vans, bikes, buses, trucks)
- Fast activation — insurance ready within 30 minutes
- Trusted & registered company in the UAE
🔗 How to Apply
📱 WhatsApp: +971 50 893 9306
📧 Email: [email protected]
Send your documents today and get your vehicle insurance approved instantly with easy monthly installment options through Tabby or Tamara.
