Union Car Insurance Claim

The UAE government mandates every car owner to have car insurance. It not only fulfils the legal requirement but financially protects you against damages or losses to your car in any mishap such as an accident.

Whether your car gets damaged and/or you incur injuries, your car insurance can provide monetary compensation for the loss. It eventually contributes to efficient financial management by saving you from paying hefty amounts by yourself.

To utilise your car insurance policy, you must timely file a claim. Each insurance provider specifies a particular time span to claim insurance.

Claim Process of Union Car Insurance in the UAE

Car insurance companies in the UAE have a specific timeframe within which you can claim your insurance after an accident — after this tenure, your claim request can get rejected. Thus, it is necessary to file a claim promptly to avoid any such circumstances.

The Union car insurance claim process is pretty simple and convenient. If you are a Union car insurance policyholder, refer to the steps below:

• Step1: Without a police report, you will not be able to claim your insurance. Visit your nearest police station and inform them about the incident to obtain a police report.
• Step2: Next, inform your insurance provider regarding the incident that took place and ask them to provide the car towing service.
• Step3: Download the car insurance claim form and fill it out with the necessary details.
• Step4: Upload the documents as mentioned in the form and submit them.
• Step5: Tow your car to one of the car repair stations present in the approved list of your insurance provider.
• Step6: The respective officials of the repairer will look into the damages and accordingly draft an invoice.
• Step7: This invoice will be sent to your provider for verification and approval.
• Step8: Upon approval from the provider’s end, the repair work will begin.
• Step9: At the same time, you will be notified about the expected car delivery date.
• Step10: Visit the garage to collect the car and complete the final documentation process.

List of Documents Required During Union Car Insurance Claim Settlement

When filing a Union car insurance claim, it is mandatory to submit a few sets of documents for verification purposes and avoiding any hindrances -

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

How to File a Union Car Insurance Claim?

You can easily claim your car insurance through the Union Insurance’s official website. From the homepage, navigate to the motor claim section. Fill in the required details and submit them. One of the representatives will then contact you shortly.

How to File Your Car Insurance Claim in the UAE

Common Union Car Insurance Claim Rejection Reasons

Car insurance companies in the UAE have specific criteria for processing claims. In case of any errors or false information, however, your claim can be rejected.

As a policyholder, you should be aware of the primary reasons for car insurance claim rejection to avoid any obstacles and ensure a smoother claims process. Let’s take a look at the major reasons -

• Policy Exclusions - One of the most common reasons for claim rejection is policy exclusions. Insurance policies typically have a list of exclusions, which are specific situations or circumstances in which the insurer will not provide coverage. Policyholders may not be aware of these exclusions or may overlook them when filing a claim. Common exclusions include racing, using the vehicle for illegal activities, or driving under the influence of alcohol or drugs. To prevent claim rejection, policyholders should thoroughly review their insurance documents and stay updated with the terms and conditions.
• Lack of Documentation - Insurance providers in the UAE require proper documentation when filing a claim. In case you fail to provide the necessary documents or submit incomplete or inaccurate information, it can result in claim rejection. Important documents include the police report (in case of an accident), an accurately filled out form, a valid driving licence, and vehicle registration. It's crucial to maintain a record of all relevant documents and ensure that they are up-to-date to avoid any issues during the claim process.
• Late Reporting - Timeliness is crucial when it comes to reporting an incident to your insurance company. Delayed reporting of accidents, theft, or damage may lead to claim rejection. Companies of car insurance in the UAE require claim reports to be submitted within a specified timeframe. Failing to report promptly can raise suspicions of fraudulent activity or result in the loss of crucial evidence.

  

• Underinsured or Uninsured Drivers - Car insurance providers take underinsured or uninsured drivers into account when assessing claim forms. If you are involved in an accident with a driver who does not have insurance or has insufficient coverage, it can complicate the claims process. In such cases, your insurer may reject your claim or require you to pursue legal action against the at-fault party.
• Pre-Existing Damage - When filing a claim for vehicle damage, it's essential to specify the damage that took place during the coverage period of your policy. If the insurer suspects that the damage existed before the policy was in effect or was caused by wear and tear, the claim may be denied. To prevent this, make sure to document your vehicle's condition before purchasing insurance and keep records of regular maintenance and repairs.
• Policy Lapses and Non-Payment - Failure to pay premiums on time can lead to a policy lapse, which means you are not covered during that period. If an incident occurs when your policy is not active, your claim will be rejected. To maintain continuous coverage, ensure that you pay your premiums on time and renew your policy before it expires.
• Misrepresentation of Information - Providing inaccurate information during the application process or when filing a claim can result in claim rejection. It's essential to be honest and transparent with your insurer about your driving history, the purpose of vehicle use, and any modifications made to the vehicle. Any info/ document misrepresentation can lead to claim denial.

Union Car Insurance Contact Details

To raise any queries regarding the Union car insurance claim, you get in touch with the representatives of the provider through various channels -

• Via Call: 80084248
• Via Email: info@unioninsurance.ae

Moreover, for any feedback regarding the claim process of Union Insurance, you can drop an email at feedback@unioninsurance.ae.

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