Which traffic fines and black points matter for your bike and your insurance?
The fines that matter most to riders: no helmet AED 500 and 4 black points, no insurance AED 500 with 4 points and 7 days impound, a red light AED 1,000 with 12 points and 30 days. Dubai delivery riders in a banned fast lane pay AED 500, then AED 700.
The fines below are from the federal fines schedule as published on u.ae, checked on 12 November 2026.1 Look up any offence with the fines lookup.
Which fines apply to motorcycle riders?
| Offence | Fine | Black points | Impound |
|---|---|---|---|
| Rider or passenger without a helmet | AED 500 | 4 | None |
| Riding without insurance, or an unlicensed vehicle | AED 500 | 4 | 7 days |
| Expired licence or expired registration | AED 500 | 4 | 7 days if expired over 3 months |
| Crossing a red light on a motorcycle | AED 1,000 | 12 | 30 days |
| Riding in a way that endangers lives | AED 2,000 | 23 | 60 days for light vehicles |
| Modifying the engine or chassis without permission | AED 1,000 | 12 | 30 days |
| Riding a noisy vehicle | AED 2,000 | 12 | None |
| Riding at night or in fog without lights | AED 500 | 4 | None |
| Expired tyres | AED 500 | 4 | 7 days |
Which fines apply to delivery riders in Dubai?
Since 1 November 2025 delivery bikes in Dubai may not use the two left lanes on roads of five lanes or more, or the left lane on roads of three or four lanes. The fine is AED 500 for a first offence and AED 700 for a second, and the rider’s permit is suspended on a third.2 Exceeding 100 km/h on roads with a limit of 100 km/h or more is AED 200, then AED 300, then AED 400.2 More is on rules for delivery riders.
How do fines connect to your insurance?
The motor tariff lets insurers reduce the minimum premium for a record free of claims you caused: 10% after one year, 15% after two and 20% after three.3 The tariff does not mention fines or black points.
Some offences also affect a claim. Insurers can refuse to pay for your bike, or recover what they paid others, if you rode without the right licence, under the influence, in a speed race, or used the bike for a purpose not on your policy.45
Riding without a licence for motorcycles is a criminal penalty under federal law: up to three months in prison and a fine of AED 5,000 to AED 50,000.6
What changes on 1 January 2027?
New federal implementing rules, Cabinet Decision No. 174 of 2026, take effect on 1 January 2027.7 Gulf News reported on 7 November 2026 that they bar motorcycle riders from riding with no hands or one hand except to signal, weaving, and carrying passengers unless the bike is equipped for it.8 Check the fine for any offence on the police app after that date.
How to pay, dispute or reduce a fine is on carinsurance.ae, with current discount schemes on its fine discounts page.
Check your traffic file for open fines before you renew your registration.
The small print
Sources
9
1UAE Government (u.ae), Ministerial Resolution No. 178 of 2017, list of traffic violations, fines and black points. Last checked 12 Nov 2026. Source document: Ministerial Resolution No. 178 of 2017, list of traffic violations, fines and black points
2Roads and Transport Authority, Regulating Delivery Bike Use on Roads Starting First of November 2025. Last checked 12 Nov 2026. Source document: Regulating Delivery Bike Use on Roads Starting First of November 2025
3Central Bank of the UAE Rulebook, Insurance Authority Board of Directors' Decision No. (30) of 2016 Concerning issuing Regulation for Motor Vehicle Insurance Tariffs. Last checked 12 Nov 2026. Source document: Insurance Authority Board of Directors' Decision No. (30) of 2016 Concerning issuing Regulation for Motor Vehicle Insurance Tariffs
4Central Bank of the UAE Rulebook, The Unified Motor Vehicle Insurance Policy Against Loss and Damage. Last checked 12 Nov 2026. Source document: The Unified Motor Vehicle Insurance Policy Against Loss and Damage
5Central Bank of the UAE Rulebook, The Unified Motor Vehicle Insurance Policy Against Third Party Liability. Last checked 12 Nov 2026. Source document: The Unified Motor Vehicle Insurance Policy Against Third Party Liability
6UAE Legislation, Federal Decree-Law No. (14) of 2024 On Traffic Regulation. Last checked 12 Nov 2026. Source document: Federal Decree-Law No. (14) of 2024 On Traffic Regulation
7UAE Legislation, Cabinet Decision No. (174) of 2026 on the Executive Regulation of Federal Decree-Law No. (14) of 2024 on Traffic Regulation. Last checked 12 Nov 2026. Source document: Cabinet Decision No. (174) of 2026 on the Executive Regulation of Federal Decree-Law No. (14) of 2024 on Traffic Regulation
8Gulf News, UAE delivery riders face new rules in 2027: No backpacks, no passengers. Last checked 12 Nov 2026. Source document: UAE delivery riders face new rules in 2027: No backpacks, no passengers
9Lexis Middle East, Cabinet Decision No. 174/2026 Concerning the Implementing Regulation of Federal Decree-Law No. 14/2024 on the Regulation of Road Traffic. Last checked 12 Nov 2026. Source document: Cabinet Decision No. 174/2026 Concerning the Implementing Regulation of Federal Decree-Law No. 14/2024 on the Regulation of Road Traffic
- Owner
- Bikeinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published