How do I file a motor insurance claim in the UAE?

To file a motor insurance claim in the UAE, contact your insurer within 24 hours of the accident, obtain a police report, gather all required documents (Emirates ID, driving license, vehicle registration, and photos), and submit your claim online or at a service center.

How long does a motor claim take to process in UAE?

Motor insurance claims in the UAE typically take 3–10 working days for straightforward cases. Complex claims involving third-party disputes or significant damage may take 2–4 weeks.

Is a police report mandatory for a motor claim in UAE?

Yes, a police report is mandatory for all motor insurance claims in the UAE. Call 999 to report any accident and obtain an official report before filing your claim.

Can I choose my own garage for motor repairs after a claim?

It depends on your policy. Agency repairs allow you to use the manufacturer's authorized garage. Non-agency (market value) repairs use insurer-approved garages. Check your policy or contact www.esanad.com for guidance.

UAE's Trusted Motor Claims Specialist

Motor Insurance

Q: What is covered under comprehensive motor insurance claims?

Comprehensive motor insurance in the UAE covers own damage, third-party liability, theft, fire, natural disasters, and personal accident benefits. Third-party only (TPL) covers damage to others but not your own vehicle.

Claims UAE

Filing a claim is simpler than you think

To file your claim, you'll need a police report, your Emirates ID, driving license, vehicle registration (Mulkiya), and photos of the damage. Let your insurer know within 24 hours to get things moving faster.

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Before You Start

What to Know Before You File

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

Report Within 24 Hours

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

A Police Report Is Required

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

Most Claims Settle in 3–10 Days

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

Where Your Car Gets Repaired

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

How Claiming Affects Your Discount

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

Claiming Against Another Driver

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

Your Claim in 6 Steps

Filing Your Claim: 6 Simple Steps

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.

Get Your Documents Ready

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

Tell Your Insurer

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

Submit Your Claim

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

We Inspect Your Car

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

Repair or Payout

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

What to Bring

Documents You'll Need

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

Which Cover Do You Have?

Comprehensive vs. Third-Party: What's Covered

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

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.

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