AFNIC Car Insurance Claim Form and Process to Apply

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  | Published: 26 October 2021

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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:

Responsibility of a Third Party

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.

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Claim For Personal Injury

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.

AFNIC Car Insurance Claim Form

Follow these easy procedures to create the AFNIC Claim Form for submission:

  • On the AFNIC website, look for the claim form.
  • Open the document in an online editor.
  • To figure out what information you’ll need to provide, read the instructions.
  • By clicking the fillable fields, you may enter the required information.
  • Add the date and your e-signature once you’ve filled all the fields.
  • Check the completed form for typos and other mistakes.
  • If you need to make a change, you may use an online editor and its wide collection of tools.
  • You may save the filled form on your smartphone by choosing Done.
  • Send the e-document to the appropriate people.

What Documents Do I Need to File a Claim for AFNIC Car Insurance?

Here’s a list of documentation you’ll need to file a claim for your AFNIC Car Insurance coverage.

  • The accident report from the police
  • Driver’s License and Vehicle Registration Card
  • Images of harm or loss in high resolution
  • A claim form and a comprehensive inventory of the objects that have been damaged
  • A letter of proof of claim that was submitted to a third party (if any)
  • An estimate of the cost of repairing the damage

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AFNIC Car Insurance Claim Process

Here’s how to claim your AFNIC Car Insurance coverage quickly and easily.

Report the Claim by Calling the AFNIC Car Insurance Company’s Helpline

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.

Collect evidence

Gather the necessary papers, such as police accident reports, high-resolution accident pictures, a driver’s license and vehicle registration card, among others.

Claim Survey

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.

Confirm the claim

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.

Car Collection

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.

Types of Car Insurance Claims

There are two types of car insurance claims:

Reimbursement claim

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.

What Is the Process for Filing an AFNIC Reimbursement 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.

How to Fill Reimbursement 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. 

  • The AFNIC claim form is available in PDF format on the AFNIC website.
  • Name and health insurance number as they appear on the insurance card issued by the firm.
  • Request the doctor treating you for a succinct report on your condition, as well as confirmation that the therapy you are getting is medically necessary.
  • Include the address of any site where you received treatment, including diagnostic labs, in your list of healthcare providers.
  • Gather all bills for all services for which you are claiming reimbursement, including medical bill numbers.
  • Write down the bill number or receipt number for each of them on the AFNIC claim form.
  • Include the dates when the services were provided, as well as the bill number.

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.

What to keep in mind when filling Out the AFNIC Reimbursement Form?

Before and throughout the completion of the AFNIC insurance claim form, there are a few factors to keep in mind as listed below:

  • See if your insurance carrier has submitted a claim on your behalf. The insurance holder must complete the paperwork if the provider does not do so on their behalf.
  • Even the smallest error on the form or the lack of proof might cause the claim to be denied, forcing you to start the procedure over. As a result, double-check that you have everything you require and that everything is in good condition.
  • If one or more medical bills are not in English or Arabic, have them translated and submit the translated version.
  • If you’re applying for more than one person at the same time, be sure to fill out a separate AFNIC claim reimbursement form for each one.
  • The AFNIC claim form must be accompanied by the following documents:
  • A copy of your Emirates ID and insurance card provided by AFNIC.
  • For the services you’re claiming, you’ll need original bills and receipts. Original copies of the prescriptions for the medicines
  • Reports of all diagnostic procedures 

Cashless claim

With a cashless claim, you do not have to spend any money in advance.

How to make Car Insurance Cashless Claims? 

  • If you are involved in an unfortunate accident, you should contact your insurance company right away.
  • You should also contact the police and, if required, file an FIR.
  • The insurance company will arrive at the accident scene and arrange for your vehicle to be towed to the nearest towing facility.
  • Your vehicle will be thoroughly inspected at the garage.
  • The company must approve the repair quote provided by the network garage.
  • After that, the restoration procedure will begin.
  • After the repair is finished, the garage will submit any appropriation bills to the insurance carrier.
  • The insurance company will check the bills and the car later.
  • After that, the deductible and depreciation amount is the policyholder’s responsibility.
  • The remainder of the funds will be refunded immediately by the insurance company.
  • If your car is damaged beyond repair, your insurance company will reimburse you with the market value of the vehicle once depreciation is taken into consideration.

AFNIC Car Insurance Claim FAQ's 

Q1 What documents are required for an AFNIC vehicle insurance claim to be processed?

Ans: To make a claim for your AFNIC Car Insurance coverage, you’ll need the following paperwork:

  • Police report on the accident
  • Vehicle Registration Card with Driver’s License
  • High-resolution images depicting injury or loss
  • A claim form and a detailed inventory of the damaged items are required.
  • A letter of claim proof that was sent to a third party (if any)
  • A cost estimate for fixing the damage

Q2: I’m the new owner of my automobile, but the insurance policy still has the first owner’s name. Is it feasible for me to file a claim with my vehicle insurance company?

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.

Q3: Can my insurance company refuse my claim if I don’t report the accident within the stipulated time frame?

Ans: Yes, if you do not report the accident within the required time limit, the insurance company has the right to refuse your claim.

Q4: Which is more profitable: a reimbursement claim or a cashless 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.

Q5: What simple tips you should keep in mind while going for a claim?

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.