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Had a minor accident or flood damage and need your car back on the road quickly? Our specialists make your motor insurance claim smooth, compliant, and stress-free across the UAE. From obtaining the police report to securing your settlement, we guide you through every step and coordinate directly with approved garages—saving you time, effort, and repeated paperwork.
Start here for a clear process, accurate timelines, and expert support whenever you need it.
Motor insurance coverage in the UAE depends on the type of policy you hold.
Third-Party Liability is the legal minimum required to drive. It covers injuries or property damage you cause to other people but does not protect your own vehicle.
If you have a Comprehensive Policy, your cover is wider and typically includes:
You may also have optional add-ons such as:
Coverage limits, deductibles, and optional benefits vary by insurer. Always review your policy schedule and wording to understand the exact inclusions and exclusions before submitting a claim. This helps ensure a smooth and faster claims process.
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Step 1: Inform Your Insurer Immediately
Notify your insurance company as soon as the accident occurs. Many insurers require claims to be reported within a specific timeframe.
If you need help understanding your policy terms or coverage limits, our experts at Insurancehub.ae can guide you instantly.
Step 2: File a Police Report (FIR)
After informing your insurer, visit the nearest police station to file an FIR.
The police will document the incident and provide an official report—this is mandatory for all motor insurance accident claims in the UAE.
Step 3: Collect Evidence from the Accident Site
Even if you feel stressed, try to take clear photos and videos of:
These visuals serve as strong evidence and help strengthen your motor insurance claim.
Step 4: Gather and Submit Required Documents
A motor insurance claim requires several documents, including:
Additional documents based on the situation:
If you are injured or unable to manage paperwork, our team at Insurancehub.ae can help prepare and submit all required documents correctly.
Step 5: Get Your Car Surveyed
Your insurer will assign a surveyor to inspect the vehicle.
The surveyor’s assessment determines your final motor accident claim settlement amount, making this step crucial.
Step 6: Repair Your Vehicle
Once the survey is complete:
Insurancehub.ae can help you choose the right option based on your policy and budget.
Several insurance companies offer motor insurance policies with varying coverage. Here are a few reasons to consider Insurancehub.ae when buying car insurance products.
Speak to our experts for quick guidance, fair settlement, and end-to-end follow-up anywhere in the UAE.We help you:
Our team works with leading UAE insurers and approved workshops and keeps you updated until your car is back to normal.
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A motor insurance claim is a request made to your insurer to cover the cost of damage or loss caused by an accident, theft, fire, or natural calamity.
You should file the claim immediately after the incident, preferably within 24 hours, and only after obtaining a police report.
Yes. A green or red police report is required for all motor insurance accident claims. Insurers cannot process claims without it.
Processing time varies based on damage, garage workload, parts availability, and liability decisions. Simple claims take 3–7 days, while complex ones may take longer.
Yes, your renewal premium may increase depending on the claim type, severity, and your driving history.
It’s the amount you must pay out of pocket when your claim is approved. The insurer pays the remaining repair cost.
