Rules set to take effect in March could introduce younger drivers to the UAE's roads. Chris Whiteoak / The National
Rules set to take effect in March could introduce younger drivers to the UAE's roads. Chris Whiteoak / The National
Rules set to take effect in March could introduce younger drivers to the UAE's roads. Chris Whiteoak / The National
Rules set to take effect in March could introduce younger drivers to the UAE's roads. Chris Whiteoak / The National

Calls for safe driving on school curriculum if 17-year-olds hit the roads


Nick Webster
  • English
  • Arabic

Safe driving should be made part of the school curriculum and learner drivers must be restricted from using powerful cars, if rules allowing 17-year-olds behind the wheel come into fruition, experts have said as sweeping new traffic laws are set to come into force from March 2025.

In the recent announcement, authorities said that a new federal decree law “sets the conditions for issuing a driving licence, including reaching the age of 17". While this does not confirm that the driving age for cars will be lowered to 17, it does make it a possibility.

The UAE's current laws state that when a person reaches 17.5 years, they are able to enrol in a driving course and start lessons when they turn 18. For motorbikes and people with special needs the legal age to start driving is 17, whereas motorists must turn 20 before they can operate heavy vehicles and tractors, and 21 to drive a bus.

Busier roads

Lowering the driving age could potentially result in busier roads while introducing new motorists who are more at risk of accidents.

Ministry of Interior data on traffic accidents showed that of the 352 road deaths in 2023, 45 per cent were of people aged 29 or younger, while government statistics also showed 16 per cent of major accidents involved new driving licence holders.

Road Safety UAE’s founder Thomas Edelmann said young people were three times more likely to be involved in fatal road accidents than older drivers, and more likely to flout the rules of the road.

“We have seen from behaviour research, that young motorists have the feeling of being invincible and score worst versus the average age in terms of pretty much all misbehaviour,” said Mr Edelmann. “This includes lower levels of seat belt use, more speeding, more tailgating, less use of the indicator and more distracted driving.

“The young driver segment is the most vulnerable one. Just lowering the legal driving age is not going to improve the situation. We need a better driving school education, which ideally must start in schools, like in many other countries with low driving age limits.”

Thomas Edelmann, founder of Road Safety UAE, says safe driving should be made part of the school curriculum. Sarah Dea / The National
Thomas Edelmann, founder of Road Safety UAE, says safe driving should be made part of the school curriculum. Sarah Dea / The National

Other control measures, such as limits on the size of engine young drivers are allowed to operate and rewards for safe driving could help to curb collisions.

“We also need a staged driving licence with limits to size and performance of vehicles and only after a certain number of years should the licence to be upgraded to a full licence, and only based on a 'clear sheet’, with no violations,” said Mr Edelmann.

“In many other countries with licensing below 18 years, novice drivers must be accompanied by an adult who has had the driving licence for a long period. Mandatory safe driving apps should be used for young drivers too, as this is place driven by the insurance companies in many countries.”

National traffic standards

Under Article 47 of the decree-law, other changes include establishing a Federal Traffic Council to align national standards. The body could bring into line more consistency with traffic signs, speed limits, the appearance of roads and national road safety campaigns.

Driving under the influence of alcohol and drugs was also cited in the new regulations, with penalties given as firm monetary amounts in contrast to the past, when it would be decided by the court.

A crackdown on driving under the influence of alcohol and drugs has also beeh cited in the new traffic regulations, with minimum fines for violations. Photo: Getty
A crackdown on driving under the influence of alcohol and drugs has also beeh cited in the new traffic regulations, with minimum fines for violations. Photo: Getty

Article 35 states whoever drives or attempts to drive a vehicle on the road while under the influence of alcohol shall be punished by imprisonment and a minimum fine of Dh20,000, potentially rising to Dh100,000.

A driver’s licence would be suspended for at least three months for a first offence, six months if it is a second violation and the licence will be cancelled for a third breach.

Minimum penalties for driving under the influence of drugs are imprisonment and a Dh30,000 fine rising to Dh200,000 and a driving suspension of at least six months.

High insurance

In the UAE, you insure the car not the person, but insurers said novice drivers should still expect to pay the highest premiums for vehicles taking to the road for the first time.

Toshita Chauhan, business head for Health and Motor Insurance at Policybazaar.ae said lowering the legal driving age was likely to impact car insurance premiums due to the increased risk of accidents. “Insurers typically consider younger drivers higher risk due to lack of driving experience,” he said.

“Lowering the driving age to 17 would likely increase insurance premiums for this age group compared to older drivers as they have even less experience than those 18 and above. In the UAE, car insurance premiums for young drivers under 25 tend to be higher due to these increased risk factors.

“Insurers may adjust premiums further to account for the additional risk of younger drivers, potentially introducing specific age-related surcharges or requiring additional safety courses for those aged 17.”

Insurance premiums are likely to vary across providers based on their specific underwriting policies and risk assessments. Typically, car insurance for drivers is currently around 2.5 per cent of a car’s worth, if the vehicle value is Dh100,000 or under.

For young, newly qualified drivers the premium is around three per cent, and that could be even higher for 17-year-olds. Without any safe driving history, insurers are unable to pass on any previous no-claims discounts.

“The change in driving age to 17 introduces younger, less experienced drivers to UAE roads, a group that statistically shows higher accident rates,” said Muralikrishnan Raman, chief financial officer at Al Wathba Insurance.

“As insurers, we may need to adjust premiums accordingly to account for these factors, ensuring that younger drivers have well-balanced coverage. Road safety campaigns and mandatory defensive driving programmes are also vital in supporting this demographic’s transition to safe driving.”

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What is Reform?

Reform is a right-wing, populist party led by Nigel Farage, a former MEP who won a seat in the House of Commons last year at his eighth attempt and a prominent figure in the campaign for the UK to leave the European Union.

It was founded in 2018 and originally called the Brexit Party.

Many of its members previously belonged to UKIP or the mainstream Conservatives.

After Brexit took place, the party focused on the reformation of British democracy.

Former Tory deputy chairman Lee Anderson became its first MP after defecting in March 2024.

The party gained support from Elon Musk, and had hoped the tech billionaire would make a £100m donation. However, Mr Musk changed his mind and called for Mr Farage to step down as leader in a row involving the US tycoon's support for far-right figurehead Tommy Robinson who is in prison for contempt of court.

THE BIO

Occupation: Specialised chief medical laboratory technologist

Age: 78

Favourite destination: Always Al Ain “Dar Al Zain”

Hobbies: his work  - “ the thing which I am most passionate for and which occupied all my time in the morning and evening from 1963 to 2019”

Other hobbies: football

Favorite football club: Al Ain Sports Club

 

Financial considerations before buying a property

Buyers should try to pay as much in cash as possible for a property, limiting the mortgage value to as little as they can afford. This means they not only pay less in interest but their monthly costs are also reduced. Ideally, the monthly mortgage payment should not exceed 20 per cent of the purchaser’s total household income, says Carol Glynn, founder of Conscious Finance Coaching.

“If it’s a rental property, plan for the property to have periods when it does not have a tenant. Ensure you have enough cash set aside to pay the mortgage and other costs during these periods, ideally at least six months,” she says. 

Also, shop around for the best mortgage interest rate. Understand the terms and conditions, especially what happens after any introductory periods, Ms Glynn adds.

Using a good mortgage broker is worth the investment to obtain the best rate available for a buyer’s needs and circumstances. A good mortgage broker will help the buyer understand the terms and conditions of the mortgage and make the purchasing process efficient and easier. 

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Last 10 NBA champions

2017: Golden State bt Cleveland 4-1
2016: Cleveland bt Golden State 4-3
2015: Golden State bt Cleveland 4-2
2014: San Antonio bt Miami 4-1
2013: Miami bt San Antonio 4-3
2012: Miami bt Oklahoma City 4-1
2011: Dallas bt Miami 4-2
2010: Los Angeles Lakers bt Boston 4-3
2009: Los Angeles Lakers bt Orlando 4-1
2008: Boston bt Los Angeles Lakers 4-2

Our legal columnist

Name: Yousef Al Bahar

Advocate at Al Bahar & Associate Advocates and Legal Consultants, established in 1994

Education: Mr Al Bahar was born in 1979 and graduated in 2008 from the Judicial Institute. He took after his father, who was one of the first Emirati lawyers

ONCE UPON A TIME IN GAZA

Starring: Nader Abd Alhay, Majd Eid, Ramzi Maqdisi

Directors: Tarzan and Arab Nasser

Rating: 4.5/5

The specs: 2019 GMC Yukon Denali

Price, base: Dh306,500
Engine: 6.2-litre V8
Transmission: 10-speed automatic
Power: 420hp @ 5,600rpm
Torque: 621Nm @ 4,100rpm​​​​​​​
​​​​​​​Fuel economy, combined: 12.9L / 100km

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While you're here
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It Was Just an Accident

Director: Jafar Panahi

Stars: Vahid Mobasseri, Mariam Afshari, Ebrahim Azizi, Hadis Pakbaten, Majid Panahi, Mohamad Ali Elyasmehr

Rating: 4/5

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The specs

Engine: Four electric motors, one at each wheel

Power: 579hp

Torque: 859Nm

Transmission: Single-speed automatic

Price: From Dh825,900

On sale: Now

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Company profile

Name: Steppi

Founders: Joe Franklin and Milos Savic

Launched: February 2020

Size: 10,000 users by the end of July and a goal of 200,000 users by the end of the year

Employees: Five

Based: Jumeirah Lakes Towers, Dubai

Financing stage: Two seed rounds – the first sourced from angel investors and the founders' personal savings

Second round raised Dh720,000 from silent investors in June this year

UAE currency: the story behind the money in your pockets
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The specs

Engine: 3.0-litre 6-cyl turbo

Power: 435hp at 5,900rpm

Torque: 520Nm at 1,800-5,500rpm

Transmission: 9-speed auto

Price: from Dh498,542

On sale: now

SERIE A FIXTURES

Friday (UAE kick-off times)

Sassuolo v Bologna (11.45pm)

Saturday

Brescia v Torino (6pm)

Inter Milan v Verona (9pm)

Napoli v Genoa (11.45pm)

Sunday

Cagliari v Verona (3.30pm)

Udinese v SPAL (6pm)

Sampdoria v Atalanta (6pm)

Lazio v Lecce (6pm)

Parma v Roma (9pm)

Juventus v Milan (11.45pm)

 

Benefits of first-time home buyers' scheme
  • Priority access to new homes from participating developers
  • Discounts on sales price of off-plan units
  • Flexible payment plans from developers
  • Mortgages with better interest rates, faster approval times and reduced fees
  • DLD registration fee can be paid through banks or credit cards at zero interest rates

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Quick facts on cancer
  • Cancer is the second-leading cause of death worldwide, after cardiovascular diseases 
  •  About one in five men and one in six women will develop cancer in their lifetime 
  • By 2040, global cancer cases are on track to reach 30 million 
  • 70 per cent of cancer deaths occur in low and middle-income countries 
  • This rate is expected to increase to 75 per cent by 2030 
  • At least one third of common cancers are preventable 
  • Genetic mutations play a role in 5 per cent to 10 per cent of cancers 
  • Up to 3.7 million lives could be saved annually by implementing the right health
    strategies 
  • The total annual economic cost of cancer is $1.16 trillion

   

A MINECRAFT MOVIE

Director: Jared Hess

Starring: Jack Black, Jennifer Coolidge, Jason Momoa

Rating: 3/5

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

Real estate tokenisation project

Dubai launched the pilot phase of its real estate tokenisation project last month.

The initiative focuses on converting real estate assets into digital tokens recorded on blockchain technology and helps in streamlining the process of buying, selling and investing, the Dubai Land Department said.

Dubai’s real estate tokenisation market is projected to reach Dh60 billion ($16.33 billion) by 2033, representing 7 per cent of the emirate’s total property transactions, according to the DLD.

GOLF’S RAHMBO

- 5 wins in 22 months as pro
- Three wins in past 10 starts
- 45 pro starts worldwide: 5 wins, 17 top 5s
- Ranked 551th in world on debut, now No 4 (was No 2 earlier this year)
- 5th player in last 30 years to win 3 European Tour and 2 PGA Tour titles before age 24 (Woods, Garcia, McIlroy, Spieth)

TECH%20SPECS%3A%20APPLE%20WATCH%20SERIES%208
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'I Want You Back'

Director:Jason Orley

Stars:Jenny Slate, Charlie Day

Rating:4/5

Updated: November 01, 2024, 3:00 AM