Motor Claim Registration Toolkit

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 and its partners have come up with this guide to help car owners like you with the motor insurance claim process. more

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Make Claim Approval Easy - 

  • 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 —

  1. Report the incident to the police and get a police report by following the due process for the concerned Emirate. 
  2. If you need towing services, connect with your insurance provider’s round-the-clock free roadside assistance helpline. 
  3. Record the damages via videos and photographs as proof of investigating the damages accurately. 

You can visit, select your insurance provider, and follow the described process. 


For your convenience, let’s understand what needs to be done once you file a claim intimation as well —

  • If roadside assistance is covered under the plan, the insurer will arrange pickup upon claim filing.
  • The repairer will create a detailed repair estimate and send it to the insurer for review.
  • A qualified insurance surveyor will approve the repair work post-inspection. 
  • You'll get repair duration confirmation and be notified upon completion. You can then collect the car from the repairer. 
  • Once you receive the car, you will get a survey questionnaire via email. Fill in the survey. 

Note — If the damage to your car was due to your fault, you will need to settle the repair costs before collecting your vehicle. 


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Documents Required for the Insurance Claim Process in UAE

Here's a list of documents required for the car insurance claim process —

  • Vehicle registration card copy (both sides)
  • Copy of the owner’s driving licence and the driving licence of the person driving the vehicle at the time of claim
  • Emirates ID card copy of the driver and that of the person driving the vehicle at the time of claim (if applicable)
  • Copy of the police report 

Important: Here are the steps to get a police report for different Emirates —


How to Get the Police Report in Dubai, Sharjah, Abu Dhabi & Other Emirates


Getting Police Report in Dubai

  • Step1- Go to the Dubai Police Services page on
  • Step2-Click on the ‘To Whom It May Concern’ (TWIMC) certificate and access the service. 
  • Step3-Put your Emirates ID in the specified field. 
  • Step4-Click on the type of certificate you want. 
  • Step5-Add your location, occurrence date, and vehicle details. 
  • Step6-If required, upload the pictures of the vehicle. 
  • Step7-Click on the next button and provide your details.
  • Step8-Pay the service fee. 
  • Step9-Once done, you will receive a transaction number via email or SMS and get the certificate shortly. 


Getting Police Report in Sharjah

  • Step1- Go to
  • Step2- Select the ‘Criminal Type Certificates’ before choosing ‘Destruction’. & Enter the applicant details.
  • Step3- Verify the code sent to your registered mobile number.
  • Step4- Provide destruction details related to the type, date, and location, and request authority and relevant images of the damage. 
  • Step5- Once done, you will receive a request number for your query. 


Getting Police Reports in Al Ain, Fujairah, Abu Dhabi, Ras Al Khaimah, and Umm Al Quwain

  • Step1- Visit
  • Step2- Choose the Report an Unknown Accident option.
  • Step3- Fill in the applicant details. 
  • Step4- Follow the steps as instructed thereon and get a police report. 

Roadside Assistance Number of All UAE's Top Insurers

Having understood the car insurance claim process, here are some important roadside assistance numbers —

Insurance Providers Roadside Numbers
Adamjee Insurance 8007326
Al Sagr Insurance 8003541
Al Wathba Insurance 600575751
Arabia Insurance 8000914001
Emirates Insurance 80073
GIG 800292
Ittihad Al Watani 600575751
New India Insurance 800247772
Orient Takaful 600508181
Qatar Insurance 600508181
Salama Insurance 600575751
Sukoon Takaful 8007326
Union Insurance 600575751
Al Buhaira Insurance 8000914001
Alliance Insurance 600508181
Dubai National Insurance 600575751
Fidelity United 600575751
Insurance House 600575751
Methaq 600575751
Orient Insurance 600575751
Oriental Insurance 600575751
RAK Insurance 600575751
Sukoon Insurance 8006565
Tokio Marine 600508181
Watania Takaful 600575751
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Policybazaar UAE Helpline for Your Convenience

  • Contact Number — 04-247-2904
  • Timings — 8 am to 8 pm (all days of the week)
  • Email Address —

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 —

For the complaint registration process, visit

Related Links - 

How to File Your Car Insurance Claim in the UAE
How to Claim Insurance for Car Accident in Dubai
How Long Does a Car Insurance Claim Take?
How to Get No Claim Certificate from Insurance Company

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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.

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