esanad
UAE Licensed Insurer
4.9 / 5 Customer Rating
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.
24/7 Claims Support
50,000+ Claims Settled
Avg. 5-Day Processing
Quick Answer
5 steps to file your claim
1
Get a police report (call 999)
Immediately
2
Notify insurer within 24 hours
Day 1
3
Submit required documents
Day 1–2
4
Vehicle assessment by surveyor
Day 2–3
5
Claim settled & vehicle repaired
3–10 days
Free consultation — no obligation
50,000+
Claims Processed24/7
Support Available5 Days
Avg. Settlement4.9★
Customer RatingWhat 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.
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.
Required Documents for Motor Claims in UAE
| Document | Required? | 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 |
Comprehensive vs. Third-Party Motor Claims
| Coverage Feature | Comprehensive | Third-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
Everything you need to know about motor insurance claims in UAE
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.