AXA Car Insurance Claim

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AXA car insurance is a popular choice in the UAE among those looking to financially safeguard their vehicles. AXA (currently GIG Gulf), a trusted name in the UAE insurance market, offers comprehensive coverage options tailored to the unique requirements of UAE residents.

With the car insurance plans of AXA, you can ensure that your vehicle is financially covered against unexpected events such as accidents, theft, and other unforeseen damages.

As a policyholder, you must understand the claim process of car insurance to avoid any issues in the future. By promptly completing the claim process on time, you can quickly get the necessary assistance in case of an accident.

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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 AXA Car Insurance in UAE

Here are the steps that you will be required to complete to make an AXA car insurance claim -

  • Step1- Promptly report the incident to the police and secure a copy of the police report.
  • Step2- If you require towing service from the company, reach out to the concerned insurance company's 24/7 complimentary roadside assistance hotline mentioned above.
  • Step3- Forward the specified documents to the official email address of the provider.
  • Step4- Transport your vehicle to the designated repair facility as per the insurer’s instructions.
  • Step5- If included in your coverage, the insurance company will make arrangements for vehicle retrieval upon claim registration.
  • Step6- The repair facility will generate a comprehensive estimate for the necessary repair work.
  • Step7- This estimate will be submitted to the insurance company for assessment.
  • Step8- A qualified surveyor from the insurance company will conduct an inspection and approve the repair work.
  • Step9- You can expect confirmation regarding the anticipated repair duration.
  • Step10- You will be notified upon completion of the repair, after which you can proceed to retrieve your vehicle from the repair facility.
  • Step11- After receiving your vehicle, you will receive an email containing a survey questionnaire. You can fill it out to share your feedback and experiences.

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List of Documents Required During AXA Claim Settlement

Here is the checklist of the documents required while filing an AXA car insurance claim -

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

Note: The insurance company may ask for additional documents as per their requirements.

How to File Your Car Insurance Claim in the UAE

What are the Channels to File an AXA Car Insurance Claim?

Here’s how you can inform the provider about your claim -

  • Via Call - You can inform your provider about the incident and ask them about the next steps. Once prompted, proceed with the application form-filling process.
  • Online Application - Access the official website of GIG Gulf to download and submit the claim form online.

Common AXA Car Insurance Claim Rejection Reasons

Here are some of the usual reasons that result in the rejection of AXA car insurance claims in the UAE -

  • Reason1:- Policy Exclusions - One of the primary reasons for car insurance claim rejection in the UAE is when the claim falls under a policy exclusion. Insurance policies typically have a list of events or situations that are not covered. While these exclusions may vary, common ones include racing, driving under the influence of alcohol or drugs, and using the vehicle for purposes not stated in the policy.
  • Reason2:- Lapsed Premium Payments - Car insurance policies, just like any other type of insurance, require regular premium payments. If a policyholder fails to pay their premiums on time, their coverage can lapse, leaving them uninsured. If an accident or incident occurs after the policy has lapsed, any claims made at that time are likely to be denied.
  • Reason3:- Misrepresentation or Fraud Cases - Providing false or inaccurate information when applying for insurance or filing a claim can lead to claim denial. This includes misrepresenting your driving history, the intended use of the vehicle, or failing to disclose modifications to the vehicle. 
  • Reason4:- Pre-Existing Damages - Insurance is meant to cover sudden and unexpected events. If the damage to your vehicle existed before the insurance policy was issued or was not caused by an event covered by the policy, the claim can be denied. It's essential to document the condition of your vehicle and maintain it properly to avoid disputes over pre-existing damage.

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  • Reason5:- Delay in Reporting the Claim - Timeliness is crucial when it comes to filing a claim. Insurance companies typically require policyholders to report accidents or incidents promptly by a certain deadline. Failing to do so can result in claim denial, as it may hinder the insurer's ability to investigate and assess the damage accurately.
  • Reason6:- Driving Without a Valid Licence - If you were driving with an invalid driving licence at the time of the accident, your claim may be denied. Operating a vehicle without a valid licence is illegal and can void your insurance coverage, not to mention the penalties associated with the same.
  • Reason7:- Exceeding Policy Limits - Car insurance policies have limits on the amount they will pay for a claim. If these limits are exhausted due to earlier claims in a policy year or the costs associated with the current claim exceed the total limit, the policyholder would be responsible for covering the expenses beyond the limit on their own.

AXA Car Insurance Contact Details

To get in touch with the officials of GIG Gulf (Previously AXA), you can dial 800292 (for those residing in the UAE) and +97145074085 (for those residing outside the UAE).

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