How to File a Car Insurance Claim in the UAE

Last updated on : 05 Apr 2024
5 min read

Sometimes, even minor accidents can lead to unexpected and huge car repair expenses. However, the good thing is that comprehensive car insurance in the UAE covers these costs provided you have a valid claim and file it correctly. In case of an accident, all you need to do is submit your insurance claim and let the insurance provider, or in this case, take care of the rest. In this article, we will walk you through everything you need to know about filing a car insurance claim, the process, necessary documents and everything that you may expect to happen while your request is being processed. Let’s get started: 

What is a Car Insurance Claim?

A car insurance claim is a formal request made by the policyholder to the insurance provider, seeking compensation for losses or damages resulting from an accident.

Steps to Follow for Submitting a Car Insurance Claim in the UAE

Filing a car insurance claim in the UAE is a crucial component of reporting a traffic accident. Typically, you can submit a car insurance claim by contacting Shory via phone or simply by logging in to your Shory account and following a few simple steps. If you have the option for an agency repair, you can get in touch with the agency directly to initiate the claim process. Some general steps to follow for filing car insurance claims are:

1. Firstly, Make Sure Everyone is Safe

Safety is paramount after an accident. Make sure everyone involved in the accident is safe and if someone needs urgent medical care then call an ambulance by dialing 998. If the injuries are minor, then you can jump to step two.

2. Call the Police

If the accident took place in Dubai, you can reach out to the Police via Dubai Police app (Google play & App Store). Similarly, if the accident occurred in Abu Dhabi or any other emirates, you can use TAMM to report the incident. 

Once your case is registered, make sure to get a copy of the accident report from the police. This document should be attached to your claim submission.

3. Photograph the Damages

Take clear photographs of your vehicle's damages from multiple angles, ensuring that the car plate number is visible. These photos will serve as supplementary evidence to support your car insurance claim. Also collect contact details of everyone involved in the accident. 

4. Notify Your Car Insurance Provider

While you’re collecting evidence and the police report, you must also notify your insurance provider and request them to initiate the claim process after registering it. Provide them with all the relevant details of the accident to facilitate effective claim processing. At Shory, you can simply login to your account to initiate the claim or just reach out to one of our Shory ambassadors to get started. 

5. Share All the Details with Shory for a Successful Claim Resolution

To expedite the car insurance claim process in the UAE, assemble all necessary information, particulars, and documents before you call Shory. These might include the insurance policy number, validity dates, accident details such as location, time, and date etc. This will help us expedite the process and ensure that the claim is processed hassle-free. 

6. Review Your Car Insurance Policy

Thoroughly review your car insurance policy to understand the extent of coverage. Verify whether the insurance adequately covers the accident-related expenses or not. Familiarize yourself with the policy's terms, conditions, benefits, coverage, and exclusions. A comprehensive understanding of your insurance policy is crucial at this stage to assert your rights.

7. Vehicle Assessment

After your claim is raised, a team of experts will evaluate the damage to your car to determine the compensation value.

8. Agreement and Settlement

Once all the necessary steps for the car insurance claim have been completed, the insurance company will assess the compensation amount. This is generally directly disbursed to the repair workshop, following the terms agreed upon with the company.

Documents for Filing a Car Insurance Claim in the UAE

You may need the following documents to file your claim successfully: 

• Registration card or Mulkiya

• Driving licenses of both drivers

• Police report

• Complete insurance claim forms 

But with Shory, you simply need to log in and raise a claim against the respective policy number. Our platform is easy, intuitive and quick, even when it comes to initiating claims. 

Important Tips for Filing a Car Insurance Claim in the UAE

When filing a car insurance claim in the UAE, take heed of the following advice:

  • Avoid Speculating on the Accident's Cause: After an accident, refrain from speculating about its cause or the responsible party. Start the formalities as soon as possible and provide the necessary information and details as required by the police. You must allow experts to accurately evaluate the accident's circumstances.

  • Thoroughly Review Documents Before Signing: Before signing any documents, carefully read through them. Do not sign until you have evaluated the damages yourself and comprehended the insurance coverage outlined in your policy. This ensures you receive a fair settlement.

  • Negotiate for Fair Compensation: You must always negotiate to ensure everything that you’re entitled for is covered in the claim disbursement. This is to make sure you do not end up paying out of your pocket for something that was covered in your car insurance policy.


Filing a car insurance claim accurately and quickly is a vital step after a traffic accident. It is important to initiate the claim as soon as you can and make sure that all the documents needed are readily available with you including the policy number, a copy of the accident report and proof of accident, like photos or videos. It is also important to understand the terms of your car insurance policy to make sure you don't miss out on the benefit that you can avail. 

Disclaimer: Shory aims to present accurate and up to date information, however we take no responsibility or liability for any errors or omissions in the content.