Dubai Insurance Car Insurance Claim

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The UAE government mandates that all car owners must carry car insurance. This requirement serves a dual purpose: complying with legal obligations and safeguarding both you and your vehicle from unforeseen events such as accidents.

In the event of car damage or injuries, car insurance provides financial compensation to cover these losses, offering you improved financial management by alleviating the burden of large expenses. To access your car insurance plan’s benefits, however, it is essential to promptly file a claim. Each insurance company sets a distinct timeframe for submitting claims.

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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 Dubai Insurance Car Insurance in UAE

car insurance can save you a lot of money on car repairs and medical bills if you come across an accident. To make sure you get the most out of your car insurance, it's important to understand the process thoroughly — even a small error during the claim process can lead to your claim being denied.

Here, we have provided step-by-step instructions on how to make a Dubai Insurance car insurance claim in the UAE -

  • Step1- Visit your nearest police station to obtain a police report, which is a crucial part of an insurance claim.
  • Step2- Contact your insurance provider and inform them about the incident to start the claim process.
  • Step3- Get in touch with the towing service recommended by your insurer to have your car taken to one of their approved service centres.
  • Step4- The repair centre's representatives will evaluate the damage to your car.
  • Step5- You will receive an invoice for the car repair costs. This invoice will be sent to your insurance provider as well.
  • Step6- Your provider will review the invoice and give final approval.
  • Step7- You will be notified when the car servicing begins and told about the expected delivery date.
  • Step8- When you collect your car from the repair centre, you'll receive a feedback form. Fill it out to complete the final documentation process.

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List of Documents Required During the Dubai Insurance Car Insurance Claim Settlement

Listed below are the documents required for making a Dubai Insurance car insurance claim -

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

How to File a Dubai Insurance Car Insurance Claim?

You can make your Dubai Insurance car insurance claim using any of the three methods discussed below -

  • Via Email - Submit your claim request and the required documents to diconlineclaims@dubins.ae.
  • Via Call - Make your DIC claim by dialling 800382467.
  • Via Provider’s Website - Download the car insurance claim form via the insurer’s official website. Fill it out, attach all the documents, and submit them.
How to File Your Car Insurance Claim in the UAE

Common Dubai Insurance Car Insurance Claim Rejection Reasons

Car insurance is an essential safeguard for vehicle owners in the UAE. It offers financial protection against a range of unforeseen events. However, it's crucial to take certain factors into consideration that can lead to claim denials.

In this section, we will look into the major reasons why car insurance claims are rejected:

  • Reason1:- Policy Exclusions: If an incident falls outside the scope of coverage specified in your policy, the claim will be denied. For instance, if your policy explicitly excludes coverage for damage incurred during racing activities and your car is damaged during a race, your claim will be rejected.
  • Reason2:- Uninsured/Underinsured Parties: If the responsible party in an accident is uninsured or underinsured, your claim may not be approved.
  • Reason3:- Intentional Damage: Insurance is designed to cover accidents and unforeseen events, not intentional damage. Attempting to make a claim for damage that you deliberately caused to your own vehicle is fraudulent and will lead to claim rejection.
  • Reason4:- Pre-Existing Damage: Car insurance policies generally cover new damages or incidents that occur after the policy's activation date. Damages that existed prior to the policy's start date are not covered. Trying to claim for pre-existing damage is a common reason for claim rejection.
  • Reason5:- Unapproved Repairs: Carrying out repairs on your vehicle without the prior approval of your insurance company can lead to claim denial. It's essential to follow the claims process and seek approval for repairs before proceeding.

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  • Reason6:- Delayed Reporting: Timeliness is of the essence when it comes to filing an insurance claim. Failing to report an accident or damage promptly might lead to your claim being denied. This is mainly because insurance providers rely on timely reports to investigate incidents effectively.
  • Reason7:- Inadequate Documentation: Proper documentation is critical for a successful insurance claim. Insurance companies typically require documents such as a police report, photographs of the damage, and repair cost estimates. Incomplete, inaccurate, or missing documentation can result in claim rejection.
  • Reason8:- Policy Lapses: Your insurance policy must be active at the time of the incident for a claim to be valid. If your policy gets deactivated due to non-payment, any claims that you make during that period will be rejected.
  • Reason9:- Wrong Information: Providing false or inaccurate information when purchasing your insurance policy can lead to claim rejection. This could involve misrepresenting your driving history, vehicle modifications, or intended use of the car. Insurers investigate such claims thoroughly and can deny coverage if they discover any issues.

Dubai Insurance Car Insurance Contact Details

For any queries regarding the Dubai Insurance car insurance claim process, you can immediately get in touch with the provider to get the required assistance. You can simply dial 800382467 to get in touch with the provider and discuss your queries or issues.

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