Sukoon(Oman) Car Insurance Claim

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Sukoon Insurance (previously known as Oman Insurance) is one of the well-known insurance companies in the UAE. It offers multiple insurance products specifically curated for individuals and businesses such as motor, health, travel, personal accident, and life insurance. Some of its other insurance products include yachts, jetski, and MedMal insurance.

  • Comprehensive
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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.

The company is also widely known for its customer-centric approach and quality services, including a smooth claim process. In this article, we will provide an in-depth insight into the Oman car insurance claim (now Sukoon) and related information.

Claim Process of Sukoon(Oman) Car Insurance in the UAE

Car insurance can potentially save you from hefty spending for car repairs and medical treatment if you get injured or your car gets damaged in an accident. To properly make a car insurance claim, it is crucial to know the process in detail — even a minor mistake during the claim process can lead to claim rejection.

Here, we have provided detailed steps on how to make an Oman car insurance claim (now Sukoon) in the UAE - 

  • Step1- Go to your nearest police station to get a police report. Keep in mind that a police report is an essential component of an insurance claim.
  • Step2- Get in touch with your provider and tell them about the incident so that you can start the claim process.
  • Step3- Contact the towing service provider associated with your insurer and take your car to one of the company’s approved providers.
  • Step4- The representatives of the repairer will evaluate the damages.
  • Step5- An invoice for the car repair cost will be sent to your insurance provider.
  • Step6- The provider will cross-check the invoice and give final approval.
  • Step7- You will be notified about the expected date of the product delivery once car servicing begins.
  • Step8- Upon collecting the car from the repairer, you will be given a feedback form. Fill it out and complete the final documentation process.

List of Documents Required During Sukoon Car Insurance Claim Settlement

As a policyholder, you must submit a few documents to successfully carry out the car insurance claim process -

  • A valid copy of the police report
  • A valid copy of the vehicle registration (both sides)
  • A valid copy of the driving license 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)

Note that the provider may ask for additional documents as per its requirements.

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How to File an Sukoon(Oman) Car Insurance Claim?

You can file your Oman car insurance (previously Oman) claim through online means. Visit the official website of Sukoon Insurance and navigate to the Claims section. Select Motor and send an email to attaching your documents. 

Once done, one of the officials will get in touch with you shortly.

How to File Your Car Insurance Claim in the UAE

Common Sukoon(Oman) Car Insurance Claim Rejection Reasons

Car insurance undoubtedly serves as financial aid for drivers who suffer car accidents. However, it’s worth mentioning that UAE-based car insurance companies may reject claim requests under certain circumstances. They have their own terms and conditions that specify the conditions that result in claims denial. 

For your reference, we have explained some of the usual reasons for car insurance claim rejection - 

Reason1:- Policy Exclusions

One of the most common reasons for claim rejection is that the specific incident or damage is excluded from coverage in the policy. Exclusions can vary, but common ones include damage from racing, driving under the influence of alcohol, off-road driving, or using the vehicle for commercial purposes if it's insured for personal use.

Policyholders need to carefully read and understand the terms and conditions of their insurance policies to avoid making claims under scenarios listed in exclusions. 

Reason2:- Non-Disclosure of Personal or Car Information

When applying for car insurance, applicants are required to provide accurate and complete information about themselves and their vehicles. To calculate premiums and assess risk accurately, companies take these details into account. 

Failure to disclose any important information, such as previous accidents, modifications to the vehicle, or incorrect personal details, can lead to claim rejection. 

Reason3:- Policy Lapses or Non-Payment of Premium

Insurance policies have to be kept active by paying premiums on time. If a policy lapses due to non-payment or is canceled for any reason, the coverage ceases — any claims made during this period can be denied. It is essential to keep insurance premiums up to date to maintain coverage.

Reason4:- Delayed Reporting

Timely reporting of accidents or incidents is crucial. If a policyholder fails to report a claim promptly, it can result in denial as the insurance provider may state that the delay has made it difficult to assess the validity of the claim. 

Most insurance companies have specific timeframes within which claims must be reported.

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Reason5:- Underinsured or Uninsured at the Time of the Accident

To file a valid claim, the vehicle must be insured at the time of the accident. If the policy has expired or was not renewed before the incident occurred, the claim will be denied. 

Similarly, if the policyholder was driving someone else's vehicle without proper authorization or coverage, the claim may also be rejected. 

Reason6:- Lack of Documentation

Proper documentation is essential when filing a claim. Policyholders must provide all required documents, such as a police report, repair estimates, and photographs of the damage. Failure to submit the necessary paperwork can lead to claim denial.

Reason7:- Fraudulent Claims

Attempting to file a fraudulent claim is a serious offense and can result in claim rejection, not to mention legal consequences. Insurance providers thoroughly investigate claims to identify any signs of fraud, such as staged accidents or false damage reports.

Reason8:- Pre-Existing Damage

Claims for damage that existed before the policy's effective date or that occurred due to wear and tear can be denied. Insurers cover sudden and accidental damage, not pre-existing conditions.

Reason9:- Violation of Policy Terms

Policyholders must adhere to the terms and conditions outlined in their insurance policies. Violating these terms, such as allowing an unauthorised driver to use the vehicle or failing to report modifications to the insurer, can lead to claim denial.

Reason10:- Insufficient Coverage

The type and level of coverage selected by the policyholder may not fully cover the claimed damages. Policyholders should ensure that they have the appropriate coverage for their requirements to avoid claim rejection.

Sukoon Car Insurance Contact Details

Do you have questions regarding the Sukoon (previously Oman) car insurance claim? You can immediately seek assistance to resolve your queries by dialing 80045, which is the 24/7 toll-free number for contacting the concerned officials. You can also drop an email at 

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Frequently Asked Questions

Where can I submit the documents needed for an Oman car insurance claim in the UAE?

To file a car insurance claim with Sukoon Insurance, you can send the documents through an email to

Can I file a claim by visiting the Oman Insurance office in person?

Yes, you can make car insurance claims by visiting the office.

What documents do I need to submit to file my Oman car insurance claim?

You will need to submit the following set of documents:

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

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