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Al Fujairah National Insurance Co (AFNIC) is one of the top insurance companies in the UAE. With its personalised insurance plans that provide unrivalled features and advantages, the insurance firm strives to serve a wide variety of clients across the UAE. AFNIC is recognised for its innovative vehicle insurance policies that cover nearly all types of damages and losses in the event of an accident.
Motor insurance provides much-needed relief in the event of an accident resulting in automobile damage. Insurance claims help to cover the cost of repairing the car as well as other financial responsibilities. While submitting a refund claim is a possibility, the cashless claims method is considerably more convenient. All you have to do is get your car fixed at any of AFNIC’s network garages in your area, and they’ll take care of the rest. Filing or defending insurance claims used to be a painstaking procedure, but owing to digitalisation, it’s now a breeze. AFNIC provides E-Claim services, which allow you to submit a claim online.
When it comes to insurance claims, there is a certain method that must be followed for your claim to be processed. The processes for filing a claim differ according to the kind of insurance. Here’s how you can file a vehicle insurance claim.
Both car and motorcycle insurance plans are variations of motor insurance coverage. The procedure for submitting a claim for auto insurance is the same. The steps are as follows:
Third-party liability claims and own-damage claims are the two types of claims in automobile insurance plans. The insurance claim method is different in both of these instances. In each case, here’s what each procedure entails:
When another person is wounded or killed by your automobile, or when the third-party property is destroyed, third-party liability claims arise. The method for submitting a third-party insurance claim is as follows:
If you have a claim, you should inform your insurance provider straight away.
File an incident report with the police department in your area.
The claim would be submitted to the motor accidents tribunal, which would determine your financial liability.
Based on the tribunal’s ruling, the insurance company would settle the claim.
It’s referred to as an ‘own damage’ claim when your automobile is damaged. Vehicle-related damages and vehicle-related theft are the two forms of personal injury claims. For each, here’s how to make an insurance claim.
As quickly as possible, notify the insurance company of the damage.
After that, the firm will provide you with the contact information for the nearest preferred garage where you may drop off your vehicle.
A surveyor from the business will come out and examine the damage once your automobile is in the garage. After the damages have been evaluated, a claim report will be created. The surveyor’s claim report is used by the insurance company to authorise the repairs.
Once the repairs have been approved, the automobile is fixed. The business promptly reimburses the garage for the repairs, and the claim is closed without any cash expenditure.
The insurance company must receive the surveyor’s claim report as well as the claim form.
Your claim would then be closed when the insurance provider reimbursed you the insured declared value (IDV) of your coverage.
Follow these easy procedures to create the AFNIC Claim Form for submission:
Here’s a list of documentation you’ll need to file a claim for your AFNIC Car Insurance coverage.
Here’s how to claim your AFNIC Car Insurance coverage quickly and easily.
To report a claim, call the AFNIC Car Insurance Company’s helpline number. The phone number for the hotline is 800 23642. You may also request roadside help from them.
Gather the necessary papers, such as police accident reports, high-resolution accident pictures, a driver’s license and vehicle registration card, among others.
Verify the damages by contacting the claims department. This will be done at the auto repair shop that you select. Make sure you send the claim form as well as any other papers required to one of the company’s office addresses.
Wait for the claim approval team to contact the garage and confirm the claim so that it may be handled. The agency begins working on your car as soon as your insurance provider acknowledges and accepts the claim. When your car is ready to be picked up, the garage will contact you.
At the time of vehicle collection, make sure you sign the confirmation form and double-check whether all the invoices have been paid.
After your car has been fixed, you will receive an SMS asking for your opinion. If you are happy with the services, let the company know.
There are two types of car insurance claims:
If you are unable to transport your vehicle to one of the network garages, you may simply take it to any garage of your choice and have it fixed for a charge. The sum may be refunded to you later by your insurance provider. You must present your original repair invoices to make a refund claim.
AFNIC is one of the largest insurance firms based in Abu Dhabi. Because Abu Dhabi Investment Council holds the majority of the firm’s shares, it is a public shareholding company. AFNIC offers a diverse variety of insurance products and boasts one of the industry’s fastest claim procedures. Depending on the sort of claim you’re filing, AFNIC claims can be used in a variety of ways. The AFNIC reimbursement form is the most common variation in all of these procedures. To ensure that the claim procedure runs well, one must first learn how to correctly fill the claim form.
The majority of the time spent on a refund claim is correctly filling out the claim form. You’ll need the following information before you start filling out the AFNIC reimbursement claim form.
Add a brief description of the service on the form, such as a doctor’s consultation, prescription medicines or hospitalisation.
To the closest decimal, add each bill’s amount as precisely as it appears on the bills.
Before and throughout the completion of the AFNIC insurance claim form, there are a few factors to keep in mind as listed below:
With a cashless claim, you do not have to spend any money in advance.
Ans: To make a claim for your AFNIC Car Insurance coverage, you’ll need the following paperwork:
Ans: Your claim is not going to be approved. When you buy a car, you must immediately transfer ownership and auto insurance to your name.
Ans: Yes, if you do not report the accident within the required time limit, the insurance company has the right to refuse your claim.
Each has its own set of advantages and disadvantages. If you make a reimbursement claim, you have the option of having your car fixed at any garage of your choosing. You must, however, pay for the expenditures out of your wallet first. You must make a cashless claim at one of the network garages mentioned in your insurance policy. However, you will not be required to pay any charges because the insurance company will cover them.
Assess the loss or damage and notify the authorities.
Inform your insurance company of the accident as soon as possible to begin a quick and painless claim settlement.
Do not engage in a debate with the other motorist; instead, let the police make the decision.
To get the most out of your insurance claim, make sure you follow all of the vehicle insurance company’s recommendations.