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UAE's Trusted Motor Claims Specialist

Motor Insurance

Claims UAE
How to File a Motor Insurance Claim in the UAE.

A motor insurance claim in the UAE requires a police report, your Emirates ID, driving license, Mulkiya, and damage photos. Notify your insurer within 24 hours for fastest processing.

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Key Takeaways

What You Need to Know About Motor Claims

The essential facts before you file your motor insurance claim in the UAE.

24-Hour Rule

You must notify your insurer within 24 hours of the accident. Delays can result in claim rejection.

Police Report Is Mandatory

UAE law requires a police report for all accidents. Call 999 before moving any vehicles involved.

3–10 Days Processing

Standard motor claims are processed within 3–10 working days. Complex cases may take longer.

Agency vs. Non-Agency Repairs

Agency repair policies allow authorized manufacturer garages. Check your policy for repair entitlements.

No-Claim Discount at Risk

Filing a claim may affect your no-claim discount (NCD) at renewal. Consider the excess before claiming.

Third-Party Claims Differ

If you're claiming against another driver, you need their insurer details. Esanad can help you navigate this.

Step-by-Step Guide

How to File a Motor Claim: 6 Simple Steps

01

Report the Accident

Call 999 immediately to report the accident and obtain a police report. This is mandatory for all motor insurance claims in the UAE.

02

Gather Your Documents

Collect your Emirates ID, driving license, Mulkiya (vehicle registration), police report, and photos of all vehicle damage.

03

Notify Your Insurer

Contact your insurance provider within 24 hours of the accident. Delay may affect your claim eligibility.

04

Submit Your Claim

File your motor claim online through esanad.com or visit a service center. Include all required documents.

05

Vehicle Assessment

An insurance surveyor will inspect your vehicle and assess the repair costs within 1–2 working days.

06

Claim Settlement

Once approved, your vehicle is sent for repair at an approved garage, or you receive your settlement payout.

Documents Checklist

Required Documents for Motor Claims in UAE

DocumentRequired?Notes
Emirates ID
Mandatory
Original or clear copy
Valid Driving License
Mandatory
Must be valid at time of accident
Vehicle Registration (Mulkiya)
Mandatory
Must be in your name or with NOC
Police Accident Report
Mandatory
Call 999 to obtain
Accident Photos
Mandatory
All angles of damage + scene
Insurance Policy Number
Mandatory
Found on your policy document
Other Party's Insurance Details
Optional
Required for third-party claims
Repair Estimates
Optional
May be required for large claims
Witness Statements
Optional
Helpful in disputed cases
Coverage Comparison

Comprehensive vs. Third-Party Motor Claims

Coverage FeatureComprehensiveThird-Party Only
Own Vehicle Damage
Third-Party Liability
Theft & Fire
Natural Disasters
Personal Accident Benefit
Agency Repairs Option
Roadside Assistance
UAE Legal Requirement
Frequently Asked Questions

Contact your insurer within 24 hours of the accident. Get a police report (call 999), gather your Emirates ID, driving license, Mulkiya, and damage photos. Submit your claim via esanad.com or at a service center.

Straightforward claims typically take 3–10 working days. Complex cases involving disputes or significant damage may take 2–4 weeks. Esanad streamlines the process to minimize delays.

You need: Emirates ID, valid driving license, vehicle registration (Mulkiya), police accident report, photos of the damage, and your insurance policy number. Third-party claims also require the other party's insurance details.

Yes — a police report is mandatory for all motor insurance claims in the UAE. Call 999 immediately after any accident before moving the vehicles.

Comprehensive insurance covers own damage, third-party liability, theft, fire, natural disasters, and personal accident benefits. Third-party only (TPL) is the minimum legal requirement and covers damage to others only.

With agency repair coverage, you can use the manufacturer's authorized garage. Without it, repairs go through insurer-approved workshops. Check your policy details or contact Esanad for personalized guidance.