UAE floods and natural calamities have led to serious vehicle damages in the last few days. Getting vehicles repaired in such cases is becoming a challenge for most car owners as they need to pay the costs out of pocket. One major reason for this is not knowing how to file a motor claim.This is why Policybazaar.ae and its partners have come up with this guide to help car owners like you with the motor insurance claim process. ...read more
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If your car is completely or partially submerged underwater, don’t try to start it. Instead, follow the insurance claim registration process and connect with a roadside assistance company. Next, get your car towed to the garage allocated to you by your insurance provider.
Avoid driving your vehicle in flooded regions.
You cannot file a motor claim regarding flood damage if you have a third-party liability (TPL) insurance policy.
Only if you have a comprehensive insurance policy, you should initiate the insurance claim process. The insurance provider will take the process further.
With that clear, here’s a guide on the motor claim registration process amidst this dire scenario.
How to Initiate the Insurance Claim Process in UAE?
To start the car insurance claim process, make a claim intimation. Here are the steps for the same —
Report the incident to the police and get a police report by following the due process for the concerned Emirate.
If you need towing services, connect with your insurance provider’s round-the-clock free roadside assistance helpline.
Record the damages via videos and photographs as proof of investigating the damages accurately.
When you connect with us, make sure to keep the following documents handy —
Policy number
Registered email address
Registered phone number
Relevant documents
Here are the Emergency Helpline Numbers for a Crisis
Electricity Failure — 991
Coastguard — 996
Ambulance — 998
Water Failure — 922
Find and Rescue — 995
Fire Department — 997
Police — 999
What to Do in Case of Rejected Claims?
The Central Bank has urged the public to carefully review insurance policies to ensure proper exercise of their rights. SANADAK is available to resolve banking and insurance disputes.
Check SANADAK's guidelines on complaint acceptance and potential rejections here — https://www.sanadak.gov.ae/make-a-complaint/complaint-eligibility/
For the complaint registration process, visit https://sanadak.gov.ae/en/make-a-complaint/complaint-submission-process/
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