Insurance Claim Process UAE
Filing a motor insurance claim in the UAE is simple if you understand the steps. Whether it’s a minor dent or a major accident, following the correct procedure ensures faster approval and smooth repairs.
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Insurance Claim Process UAE
Filing a motor insurance claim in the UAE is simple if you understand the steps. Whether it’s a minor dent or a major accident, following the correct procedure ensures faster approval and smooth repairs.
Insurance Claim Process UAE – Step-by-Step
Whether it’s a minor scratch or a major collision, following these steps ensures your claim is handled quickly and smoothly across the UAE.
Step 1: Report the Accident
Call 999 for an accident involving injuries or major damage.
Call 901 for minor accidents in Dubai.
Obtain the official Police Report — mandatory for all insurance claims.
Step 2: Contact Your Insurance Provider
Provide them with:
• Police report
• Driving license
• Vehicle registration
• Photos of the accident
Step 3: Submit a Claim Request
Most insurers allow claim submission via:
• Mobile app
• Online portal
• Email or call centre
Step 4: Receive Approval & Garage Assignment
Based on your policy type:
• Agency repair
• Network garage
• Non-agency repair
Step 5: Vehicle Repair & Delivery
The garage inspects your car, orders parts, completes repairs, and delivers the vehicle after final quality checks.
You’ll be notified once it’s ready for collection.
Common Reasons Claims Get Delayed
Even valid insurance claims can face delays if proper procedures and documentation are not followed. Avoid these common mistakes to ensure your claim is processed smoothly.
Incomplete Documents
Missing your police report, ID, or registration can slow down claim verification.
Wrong accident details
Inaccurate information or mismatched reports can cause approval delays.
Late reporting
Delays in notifying the insurer or filing a claim may lead to rejection or hold-ups.
Non-disclosure of modifications
Failing to report performance or body modifications can delay or void claims.
Tips to Ensure a Fast Claim
Here is some tips you can ensure for faster claim processing.
Tips:
- ✓Always take clear pictures
- ✓Save your policy details on your phone
- ✓Report the accident immediately
- ✓Choose a garage recommended by insurer
Ready to Report Your Claim?
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