Salama Car Insurance Claim

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Salama Insurance is among the most reputed insurance providers in the UAE. Its car insurance is popular among those seeking comprehensive coverage across the region.

As a Salama car insurance policyholder, it is necessary to understand the insurance claim process to ensure smooth and hassle-free assistance in case of unforeseen accidents or damages. From reporting incidents to providing necessary documentation, navigating the Salama car insurance claim process is crucial to promptly and efficiently resolve any car-related issues.

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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 Salama Car Insurance in UAE

As mentioned earlier, it is of the utmost importance for policyholders to have a comprehensive understanding of the Salama car insurance claims process. Executing the claim procedure with precision is essential, as even a minor oversight could result in the rejection of your claim.

To assist you in properly submitting your car insurance claim, we have mentioned a set of guidelines -

  • Step1- Initiate the process by promptly reporting the entire incident to the police to obtain an official police report.
  • Step2- Arrange for your vehicle to be towed to one of the insurer's authorised car repair facilities.
  • Step3- Directly connect with your car insurance provider and provide them with a precise account of the situation.
  • Step4- Download the claim form and fill it out. Ensure accuracy in all details.
  • Step5- Gather all the necessary supporting documents and forward them along with the duly completed form to the insurance provider via email.
  • Step6- The repair facility will assess the extent of damage sustained by your vehicle and formulate an estimate for the necessary repairs.
  • Step7- The repair invoice will then be submitted to your insurance company for thorough evaluation.
  • Step8- The respective authority within the insurance company will review the invoice and grant final approval for the claim.
  • Step9- You will be notified about the duration of the repair process.
  • Step10- Upon completion of the car repairs, you will receive notification from the relevant officials.
  • Step11- Collect your vehicle and fulfil any additional documentation requirements, if applicable.

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List of Documents Required During Salama Claim Settlement

In order to initiate the Salama claim settlement procedure, it is important to provide several essential documents. Here is the checklist -

  • Police report copy
  • Duplicate of the vehicle registration (front and back)
  • Copy of the driving licence of the individual operating the vehicle during the accident (for both the parties involved)
  • Emirates ID copy of the individual operating the vehicle during the accident (both sides)

How to File a Salama Car Insurance Claim?

To make a claim with your Salama car insurance, you can use any of the two ways mentioned below -

  • Via Website - Go to the official website of Salama Insurance and navigate to the claims section. Locate the claim form for car insurance, fill it out, and submit it.
  • Via Mobile App - Download and install the official Salama Insurance app. Complete the registration process and move to the claim section. Follow all the on-screen prompted instructions, upload the necessary documents, and submit.
How to File Your Car Insurance Claim in the UAE

What are the Common Salama Car Insurance Claim Rejection Reasons?

Car insurance is like a safety shield for individuals who own cars. It helps protect their money if something unexpected, like a car accident or car theft, happens.

However, there are rules that you have to follow when filing a car insurance claim. If you fail to follow these guidelines, the insurance company might reject your insurance claim request.

Let's look at 5 common reasons why car insurance claims might be turned down -

1. Car Details Don't Match

  • Wrong Information: If the policyholder gives wrong or incomplete information about their car when they buy insurance, the insurance company might not approve the claim when something goes wrong. This includes aspects like the brand, type, and when the car was manufactured.
  • Changes to the Car: If the policyholder makes technical changes to their car without telling the insurance company and something happens to it, the insurance company might not pay for the damage.

2. False Claims

  • Making Up Losses: If an individual complains about the loss of belongings/ damage to the car that was caused intentionally or fakes their accident injuries, the insurance company can reject or deny the claim.
  • Fake Accidents: If an individual pretends an accident happened on purpose or works with others to make it look like one, it will be considered fraud. Insurance companies don’t approve claims with fraud, while the whole situation can lead to trouble with the law or your insurance plan being cancelled.

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3. Expired Insurance

  • Not Paying for Coverage: If individuals don’t make payments for their car insurance plan on time and it expires, they won't be covered anymore. So if a mishap happens after that, the insurance company won't pay for it.
  • Late Renewal: If the policyholder doesn't renew their insurance policy within the deadline, there can be a gap in coverage. If any accident takes place during that gap, the insurance plan may not provide any coverage.

4. Driving Without a Valid Licence

  • Licence Problems: If someone's driving licence is not valid at the time of an accident, the insurance company might not cover the costs. Car insurance requires the driver to have a valid and active licence at all times.
  • Inexperienced Drivers: Letting someone without experience or the right driving licence drive their car can also lead to the insurance company saying no to a claim if there's an accident.

5. Driving Under the Influence of Alcohol or Drugs

  • Breaking the Law: Driving a car while under the influence of alcohol or drugs is not only against the law but also goes against the rules of the insurance policy. In such cases, the insurance company might refuse to pay for any damages.
  • Higher Risk: Driving under the influence makes accidents more likely. Insurance companies won’t help if policyholders take such a big risk.

Salama Car Insurance Contact Details

To resolve any queries regarding the Salama car insurance claim settlement, you can directly get in touch with one of the officials of the provider by dialling 800725262. You can also drop an email stating your queries at

Let’s now take a look at some of the most frequently asked questions regarding the Salama car insurance claim in the UAE for better understanding!

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Frequently Asked Questions

Q1. Can I claim my Salama car insurance through a call?

Ans: No. To file your Salama car insurance claim, you can use the company’s official website or complete the process via Salama’s mobile application.

Q2. Why my car insurance claim has been rejected?

Ans: While there are several reasons for car insurance claim rejection, some of the prominent ones are as follows -

  • Making fraud claims
  • Not driving with a valid licence
  • Having an expired car insurance
  • Driving under the influence of drugs or alcohol
Q3. Do insurance providers in the UAE help with the towing service for car repair?

Ans: If your car repair station comes under the approved list of your provider, you can avail of free towing service from your insurance company.

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