Guide to car insurance claimsGet a quote now
Car insurance is designed to protect you and your vehicle
Car insurance is designed to protect you and your vehicle, and any in the case of third-party insurance covers other cars involved in an accident. Having an accident or emergency on the road is never expected, however it is important to know the procedure to follow to successfully claim from your car insurance policy. Following the correct steps with your insurer helps for quick claim settlement. Here is a guide on how to make this unpleasant event a bit smoother.
1. Gather the information
Immediately following the incident, you should take photos of all of the damage to your vehicle or injuries sustained in the accident. This will provide much needed evidence in the claim process. Gather information about the other driver/s involved for your police report. This information will include the drivers name, contact number and vehicle details.
2. Report the incident
It is recommended that you report the accident as soon as possible to the police and file a report on the details of the accident. Without reporting the event accurately and timeously to the police, your insurance will not proceed with your claim. You will need to provide the police with all of the details of the other driver/s involved to provide a full incident report. Ensure that you have a full valid UAE driving license as well as a copy of your vehicle registration.
3. Inform your insurance provider
Get in touch with your insurer as soon as you have reported the incident to the police, providing them with all of the documentation from the accident to speed up the proceedings. When signing up for a new insurance policy you should ensure that you are fully aware of your policy benefits to understand what you would be covered for in the event of an accident and the excess amount that you are liable to pay.
After you have completed these three tasks, your insurer assesses the damage to or loss of your vehicle and will provide you with further advice on the repair or replacement of your vehicle. Each car insurance company has their own terms and conditions and it is advised that the instructions laid out by the company be followed correctly. While a car accident is a stressful situation to find yourself in, it is always recommended that you remain calm and follow these steps to ensuring you are covered and have a successful claim.
Our top car insurance guides / articles
Protect yourself with fully comprehensive car insurance
Essential car insurance cover to ensure that you are not left out of pocket in the event of an accident
The average cost of car insurance depends on a multitude of different factors
Some insurance companies send reminders that your policy is about to expire
In 2019, almost half of the road accidents in the UAE were caused by drivers under the age of 30
If you are 50 years or older, you may have the benefit of saving money on your car insurance policy.
The named or additional driver on your car insurance could be a friend, your spouse, or a family member
Car hire is an extra feature which you can add onto your comprehensive insurance policy
Some car insurance companies have policies designed specifically for women
Classic car insurance is specially designed to provide cover for higher value vehicles 10 years and older
It is generally not something people look forward to spending their hard-earned money on.
Fuel efficiency basically describes the ability of a vehicle of extracting more energy from less fuel
Getting your first car is an exciting time!
The traffic system in Dubai works on a points and fine system with the aim of preventing reckless driving and reducing accidents on the roads.
Turning 18 and getting your driving license is a major milestone
Car insurance is designed to protect you and your vehicle
Some car insurance companies include roadside assistance
Car insurance is compulsory for drivers in the UAE and many people sign on to policies which are expensive and unaffordable.
Cars contribute a huge amount of greenhouse gas emissions to the environment
The UAE has seen a rapid rise in vehicle ownership over the past few years
Car insurance would offer you the financial security you need to ensure you enjoy driving the car with peace of mind
Driving without insurance leaves you 100% responsible to replace your vehicle in the case of theft
Always try to be as vigilant as possible and be sure to keep an eye out on your surroundings
Finding quality budget car insurance is easy
Immediately after the accident get the name, address, and driver licence number from the other driver involved
Young drivers are seen as a higher risk this is simply due to your years of experience driving being a lot less than the older people driving
Never buy the first policy you find and always compare, we always recommend that you not only focus on the price of policy
The benefits included in your policy would differ from insurer to insurer and policy to policy
Compare Insurance offers you instant car insurance quotes from a huge range of insurers all on one page
You can compare car insurance policies and save hundreds of dirhams per month and find the perfect car insurance policy for your needs
It is so important to try and to stay calm, the moment you become stressed and emotional you might forget to do some of the logical next steps
We recommend you check the affability before buying a car to include all of the below expenses
If you choose to pay annually you pay for the entire car insurance policy with one lump sum
A car brings added expenses like maintenance and insurance so if you can save a few dirhams
To be a responsible driver you will always need to be vigilant and respect the road rules and laws
Theft, sandstorm, hijacking and even fire are some of the other risks that do not involve bad driving
Before you buy car insurance you must always do your research and compare quotes and benefits
If you are thinking of purchasing or have purchased a brand-new car, then you might want to get specialised insurance to cover your vehicle
Many car insurance policies do not have insurance covering valet parking services.
Insurance companies in the UAE guarantee financial coverage for repairs needed as a result of car accidents
Off-Road Cover can protect your vehicle against any damage it sustains from off-road driving.
If you’re planning a trip to Oman then you will require this specialized car insurance
Before purchasing a car in the UAE, it’s a good idea to first check if your vehicle qualifies for GCC Car insurance
Protect your personal belongings with this kind of car insurance
Personal injury cover is an add-on feature in your mandatory UAE car insurance policy
Protecting Your No Claims Discount Could Help You Save on Your Future Premiums
This kind of motor insurance covers you for roadside assistance when you need it
Ensure that your car’s windscreen is restored to perfect condition if it gets damaged
Get the necessary coverage for your vehicle when you take part in track racing events
Planning on buying a new car? It’s important to know how you will pay off instalments if it gets stolen or damaged beyond repair
Thinking of changing your current car insurance? There are a few things worth knowing before you go ahead
Protect your vehicle only for as long as you’ll be using it
This optional cover is a necessity for anyone who likes taking their 4x4 vehicle for off-road adventures
Any alterations you make to your car after purchasing it could affect the premiums you pay
Third-party liability auto insurance is mandatory in the UAE. Consequently, there are a high number of insurance groups to choose from
Ensuring the roadworthiness of your car is vital
Getting insurance for imported vehicles can be a tricky process. Here’s what you need to know
Ambulance ownership is a major investment for a company, so it's important to get adequate insurance for this asset
There are several benefits to owning an electric car in the UAE. Here’s what to be aware of when insuring your electric vehicle
Car insurance is generally less expensive for young women than for young men. However, rates can vary from one insurer to another
Young males generally pay more when it comes to car insurance premiums