ADNIC Car Insurance Claim

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Founded in 1972, Abu Dhabi National Insurance Company (ADNIC) is a leading insurance provider in the UAE. With a commitment to providing comprehensive and reliable insurance solutions, ADNIC offers a range of services, including car insurance, to meet the diverse needs of its customers. 

With ADNIC car insurance policies, you can secure comprehensive financial protection for your vehicle. The company is also known for its efficient claim process and customer-centric approach, ensuring that policyholders receive prompt and hassle-free assistance in the event of accidents, damage, or theft.

  • Comprehensive
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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Claim Process of ADNIC Car Insurance in UAE

If you have an ADNIC car insurance policy, it is crucial to know the car insurance claim process in detail. Given below is the step-by-step process for claiming car insurance in the UAE - 

  • Step1- After the incident, immediately proceed to your nearest police station to report the occurrence.
  • Step2- Secure a police report and make arrangements to have your car towed to a repair facility approved by your insurance provider.
  • Step3- Get in touch with your car insurance company to notify them about the incident.
  • Step4- Download the insurance claim form from your provider's official website and fill it out with all the required information.
  • Step5- Attach all the necessary documents and submit them along with the completed claim form.
  • Step6- The car repair facility will assess the extent of the vehicle's damages and generate an invoice related to the repair expenses.
  • Step7- This invoice will be sent to your insurance company for approval.
  • Step8- Once approved, the car repair process will commence.
  • Step9- You will receive a confirmation message specifying the anticipated date of car delivery.
  • Step10- Retrieve your car from the repair facility and complete the final documentation if it is necessary.

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List of Documents Required During ADNIC Claim Settlement

Here is a complete list of the documents required to file a claim for ADNIC car insurance in the UAE - 

  • Copy of the police report
  • Copy of the vehicle registration (both sides)
  • Copy of the driving licence of the person driving the vehicle at the time of the accident (both sides)
  • Copy of the Emirates ID card of the individual driving the vehicle at the time of the accident (both sides)

How to File an ADNIC Car Insurance Claim?

You can use the following two methods to file your claim for ADNIC car insurance - 

  • Via Online Means
  • Via WhatsApp
How to File Your Car Insurance Claim in the UAE

ADNIC Car Insurance Claim Form

To prepare the ADNIC Claim Form for submission, follow these simple instructions:

  • Search for the claim form on the ADNIC website.
  • In an online editor, open the document.
  • Read the instructions to figure out what information you'll need to supply.
  • Fill in the required information by clicking the fillable fields.
  • After you've filled in all of the fields, add the date and your e-autograph.
  • Examine the filled form for typos and other errors. If you need to make a correction, our online editor and its extensive set of tools are at your disposal.
  • By selecting Done, you may save the completed form to your smartphone.
  • Send the e-document to the relevant persons.

Common ADNIC Car Insurance Claim Rejection Reasons in UAE

Check out some common reasons for the rejection of car insurance claims - 

  • Reason1:- Failing to Share Important Information - When applying for car insurance, it's crucial to be completely honest and give all the details about your car and your driving history. If you provide incorrect information, like hiding past accidents or changes that you made to your car, your insurance claim might get rejected. This is because insurance companies rely on this info to figure out how much you should pay for your insurance and how much of a risk you pose.
  • Reason2:- Coverages Not Covered by the Policy - Insurance policies usually have rules that limit what they will cover. Providers don’t cover things like off-road driving, racing, driving while you're drunk or on drugs, and others mentioned in exclusions. If your claim is about something that's not covered by the policy, it's likely to be turned down.
  • Reason3:- When Your Policy is Not Active - If you try to make a claim after your insurance policy has expired because you didn't pay your premiums, it's almost certain that the company will say no. For this reason, it’s really important to keep your policy active and pay your premiums on time.
  • Reason4:- Driving Without Insurance - If an individual, who isn't listed on your insurance, was driving your vehicle at the time of the accident, your claim might not be accepted. You have to make sure that everyone who drives your car is properly insured or listed on your policy.
  • Reason5:- Taking Too Long to Report - It's crucial to quickly report accidents and file claims. Most insurance policies have a specific time limit for reporting accidents — if you don't follow this deadline, your claim might be declined.
  • Reason6:- Not Enough Proof - Insurance companies need certain evidence to process claims — this includes police reports, pictures of the accident, repair cost estimates, and medical reports if someone got hurt. If you can't provide sufficient proof, your claim might get rejected.
  • Reason7:- Getting Repairs Without Permission - Sometimes, people get their cars fixed after an accident without telling their insurance company. Insurers often have specific repair shops or ways they want things done. If you use a repair place that they didn't approve, your claim could be denied.
  • Reason8:- Claims That Can't Be Verified - Insurance companies do verifications to make sure claims are true. If they think your claim might be fake, they might reject it. To avoid this scenario, it’s necessary to be honest and clear when you're dealing with a claim.
  • Reason9:- Intentional Damages or Breaking Traffic Rules - If the accident happens because you broke traffic laws, your claim might not be approved. Similarly, if you intentionally cause damages, your claim might be rejected. This is because insurance is meant to cover only accidents that happen by accident, not those done on purpose.
  • Reason10:- Damage That Was Already Present - If your car had damage or problems before the accident, it can make things tricky. This is because insurance usually covers only new damage from an accident. 

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ADNIC Car Insurance Contact Details

You can dial 8008040 to get in touch with the ADNIC authorities regarding the car insurance claim process.

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Frequently Asked Questions

How to contact ADNIC via call for car insurance claim-related queries?

You can dial 8008040 to speak to one of the ADNIC officials for any queries or issues.

Which documents are necessary to claim car insurance at ADNIC?

The following documents will be required for the claim - 

  • Copy of the vehicle registration (both sides)
  • Copy of the driving licence of the individual driving the vehicle at the time of the accident (both sides)
  • Copy of the police report
  • Copy of the Emirates ID card of the person driving the vehicle at the time of the accident (both sides)

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