AFNIC Car Insurance Claim

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The UAE government requires all car owners to have car insurance. This is important not only to meet the traffic regulations but also to financially protect you and your car from unexpected events like accidents.

If your car gets damaged or you get injured in an accident, your car insurance plan can financially cover these losses. This can help you manage your money better as you won't have to pay big bills on your own.

To use your insurance, you need to report a claim on time. Each insurance company has a specific time limit for making a claim.

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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 AFNIC Car Insurance in the UAE

Car insurance serves as a potential financial safeguard against substantial expenses incurred due to vehicle repairs and medical treatment in the event of accidents. To ensure a successful car insurance claim, it’s important to comprehensively understand the claim procedure. It’s worth noting that even minor inaccuracies within the claim process can lead to claim rejection.

Here’s how you can file an AFNIC car insurance claim in the UAE -

  • Step1- Start by visiting the nearest police station to procure a police report, which is an important component of an insurance claim.
  • Step2- Get in touch with your insurance provider to report the incident, thereby initiating the claim procedure.
  • Step3- Communicate with the towing service provider designated by your insurer. Have your vehicle transported to one of the company's authorised service centres.
  • Step4- Representatives from the repair facility will undertake an assessment of the car damages.
  • Step5- Subsequently, an invoice related to the expenses of the car repair will be sent to your insurance provider.
  • Step6- Your insurer will evaluate the invoice and subsequently grant final approval.
  • Step7- You will be notified once the car servicing commences about the estimated delivery date.
  • Step8- Upon receiving the vehicle from the repair facility, you shall be provided with a feedback form, the completion of which is requisite for the final documentation process.

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List of Documents Required During AFNIC Car Insurance Claim Settlement

You must mandatorily submit a few documents to ensure a successful AFNIC car insurance claim process -

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

How to File an AFNIC Car Insurance Claim?

To make an AFNIC car insurance claim, dial 80023642. Speak to an official from the insurer’s side and proceed with the steps prompted by them.

How to File Your Car Insurance Claim in the UAE

Common AFNIC Car Insurance Claim Rejection Reasons

While car insurance provides financial protection in the event of accidents, theft, or damage to your car, insurance companies may reject your claim for various reasons. Understanding these common causes for claim rejection can help you avoid troubles and ensure that you receive the coverage you have paid for.

  • Reason1:- Policy Exclusions: Insurance policies often have strict terms and conditions that outline what is and isn't covered. If your claim falls outside these boundaries, it's likely to be rejected. For instance, if your policy excludes coverage for off-road accidents and your car was damaged in the desert, your claim is likely to be denied.
  • Reason2:- Delayed Reporting: Failing to report an accident or damage promptly can lead to claim rejection. Insurance companies require prompt notification of incidents within specified timelines to assess the situation and gather evidence.
  • Reason3:- Lack of Documentation: Inadequate documentation is another common cause of claim denial. As we saw above, insurance companies typically request specific documents such as a police report, photographs of the damage, and estimates for repair costs. Failing to provide these documents or providing incomplete or inaccurate information can result in your claim being denied.
  • Reason4:- Policy Lapses: Your insurance policy needs to be active at the time of the incident for your claim to be valid. So if your policy lapses due to non-payment or for any other reason, your claim will be rejected.

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  • Reason5:- Providing Fake Information: Providing false information when purchasing your insurance policy can lead to claim rejection. This includes misrepresenting your driving history or any modifications made to the car. Insurers may investigate your claims and deny your claim on finding any discrepancies. 
  • Reason6:- Underinsured/Uninsured Parties: If the accident was caused by an uninsured or underinsured driver, your claim may be rejected. In such cases, it can be challenging to recover damages using the insurance policy.
  • Reason7:- Intentional Damage: Insurance is designed to cover unexpected accidents and damages. Intentionally causing damage to your own vehicle to make a claim is considered fraud and leads to claim denial.
  • Reason8:- Pre-Existing Damage: Insurance is meant to cover new damages or incidents that occur after the policy's inception. Any damage that existed before the policy's start date will not be covered. Attempting to claim for pre-existing damage is a common reason for claim rejection.
  • Reason9:- Unapproved Repairs: Repairing your vehicle without the approval of your insurance company can lead to claim rejection. It's essential to follow the claims process and seek approval for repairs before proceeding.

AFNIC Car Insurance Contact Details

To connect with AFNIC and resolve your questions regarding the AFNIC car insurance claim process, you can give a call at 80023642 and get assistance from one of the representatives. Alternatively, you can drop an email at

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