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Planning to Drive Your Mortgaged Car to Oman from the UAE?
Jun 25,2025
63
LatestNews
Planning to Drive Your Mortgaged Car to Oman from the UAE?
Jun 25,2025
63
LatestNews
If your car is still under finance in the UAE and you are thinking of driving to Oman, it's important to make arrangements in advance. Generally, it is possible to drive a mortgaged car UAE across the border, but only after securing a No Objection Certificate (NOC) from your bank, arranging proper insurance, and meeting border requirements. Without these steps, you risk delays, extra fees, or even being turned back. Read on further to understand how you can make sure your journey to Oman goes smoothly.
Understanding the NOC Requirement for a Mortgaged Car UAE
Banks typically retain ownership rights until your auto loan or finance is fully paid. To cross into Oman with a financed vehicle, most banks insist on issuing a No Objection Certificate. Key points:
Why is a NOC needed
The bank’s security interest remains until loan settlement. An NOC confirms the bank permits the temporary export/travel of the collateral, which in this case is your car.
Possible deposit or conditions
Many banks require a refundable security deposit or payment of the outstanding loan amount plus a small fee held for a few working days before issuing the NOC.
Processing time
Once you have deposited the required funds or met the necessary conditions, it may take a few days for everything to process, so be sure to plan well ahead of your travel date.
Border checkpoints
While Hatta (Al Wajajah) is the most common crossing, other points like Meyzad, Dibba, or Al Darah may also ask for an NOC. Having it ready avoids last-minute issues.
Tip: Contact your bank early. Inquire about their specific process, required deposit percentage, fees, and timeline for issuing the NOC.
Car Import Oman: Permanent vs. Temporary Entry
Temporary entry
Permanent import
Renting a Vehicle for Oman Travel
Insurance Considerations for a Mortgaged Car UAE
Tips for a Smooth Cross-Border Journey
Conclusion
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Required Documents for Cross-Border Travel
Other than NOC, it is important to be sure that you have the following documents with you as well.
| Document | Purpose |
| No Objection Certificate (NOC) | A proof that you have got authorisation from the bank to take the vehicle to Oman |
| Valid vehicle registration (Mulkiya) | Proof of lawful UAE registration |
| Emirates ID and Passport | Identity verification at the border |
| Valid driving licence | UAE or an internationally recognised license |
| Car insurance covering Oman | Coverage must be ensured through either an existing policy that extends to Oman or by purchasing an 'Orange Card' at the border. |
| Supporting bank documents | Proof of NOC deposit or loan settlement details |
Insurance
Confirm with your provider if your existing car import Oman coverage is included; many comprehensive UAE policies include free Oman coverage. In case your insurance doesn’t cover Oman, you will have to get an ‘Orange Card’ at the border to meet the minimum third-party coverage requirement. These policies usually start at around AED 106 for five days.
NOC specifics
Some banks may list vehicle chassis/VIN numbers, loan account details, or require a written application. Keep physical and digital copies.
Border Procedures and Fees
When you arrive at the UAE-Oman checkpoint:
• Vehicle inspection: Officials verify documents (registration, insurance, NOC).
• Customs or security checks: Present your passport and Emirates ID. Ensure no outstanding fines or issues on the vehicle.
• Temporary import permit: Oman may require you to register the vehicle temporarily; sometimes a fee applies. Check the latest Oman customs regulations for the temporary import of private vehicles.
• Insurance verification: Submit the original or hard copy of the insurance certificate with Oman coverage.
Without a No Objection Certificate, border officials might deny entry or require you to get one then and there, which can delay your trip. Having the NOC in hand usually makes the process much smoother.
Car Import Oman: Permanent vs. Temporary Entry
Temporary entry
For short visits, many travelers opt for a temporary vehicle import permit, which allows them to drive legally in Oman for a limited time. If your car is under finance in the UAE, a NOC from the bank is usually sufficient for temporary entry.
Permanent import
If you intend to relocate or permanently import your vehicle into Oman, additional customs duties, registration procedures, and clearance of any loan would be required. Using a financed car for permanent import is complex, as banks may not permit it until the loan is fully settled.
For most holiday trips or business visits, stick to temporary cross-border travel. If considering permanent relocation, plan to settle the car loan first and then follow Oman’s vehicle import regulations, duty payments, and local registration.
Renting a Vehicle for Oman Travel
To skip the hassle of getting an NOC and dealing with the uncertainty that comes with taking a financed car from the UAE, you might want to consider renting instead
• Cross-border rentals made easy: Several UAE car rental companies provide ‘Oman-ready’ vehicles, complete with insurance that covers driving in Oman. They also take care of the NOC, registration, and all the necessary border formalities for you.
• Simplified process: You book a rental, confirm cross-border permission, and present the required documents. The rental company’s insurance and NOC streamline entry.
• Cost vs. convenience: Rental fees plus insurance may be comparable or cheaper than bank deposit requirements and border hassles, especially for shorter trips or if your car loan balance is high.
If you plan infrequent visits to Oman, renting often proves more convenient than going through all the bank procedures.
Insurance Considerations for a Mortgaged Car UAE
• Existing policy check: Before departure, confirm with your insurer whether your comprehensive policy covers Oman travel. Many UAE insurers include Oman cover free of charge under comprehensive plans.
• Buying an Orange Card at the border: If your insurance doesn’t include Oman, you will need to get third-party coverage there. It covers damage to others, but keep in mind, it won’t protect your own vehicle.
• Duration and validity: Minimum is usually five days, but you can extend as needed. Keep proof of insurance on hand to present at checkpoints.
If you are caught driving without insurance or valid coverage in Oman, you could face hefty fines, have your vehicle impounded, or run into serious legal trouble, especially if an accident occurs.
Tips for a Smooth Cross-Border Journey
1. Plan Ahead: Initiate the NOC process with your bank at least a week before travel.
2. Check Loan Balance: Estimate deposit amount, which is often equal to the outstanding loan plus fees, and ensure funds are available.
3. Verify Border Requirements: Research the specific checkpoint you will use; rules may differ slightly at different checkpoints.
4. Carry Originals and Copies: Have both originals and scanned backups of NOC, insurance, registration, and IDs.
5. Fuel and Vehicle Prep: Fill up before crossing, and make sure the vehicle is in good condition to avoid breakdowns in remote areas.
6. Monitor Regulations: Border policies can change, so check official UAE and Oman customs or RTA announcements for the latest updates.
7. Emergency Contacts: Note embassy or consulate details, breakdown assistance numbers, and your insurer’s emergency line.
Conclusion
Driving a mortgaged car UAE into Oman is feasible, but requires some early preparations such as obtaining the bank-issued NOC, securing proper car import Oman insurance, and gathering all necessary documents. Without these, you risk fines, delays, or denied entry. If the process seems demanding, consider a cross-border car UAE rental, which simplifies paperwork and often includes Oman coverage. By planning ahead, understanding bank and border requirements, and verifying insurance, you can enjoy a worry-free trip to Oman.
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