A Step-by-Step Guide to Claiming UAE Motor Insurance

Motor Insurance

In Dubai, road accidents have become quite common these days. The number of road injuries in the city accounted for 2,607, while the number of deaths was 121. Such incidents will not only affect humans but also cause significant damage to vehicles, leading to a financial burden. If you are looking for a way to secure your vehicle from unexpected situations, opting for motor insurance in Dubai is a smart move.The number of vehicles in the UAE is continuously on the rise. In the vehicle registration rankings for 2023, the UAE obtained the 45th position. If you have a motor vehicle, insuring it is the need of the hour. With the right insurance, you do not have to bear the brunt in case of accidents or theft and ensure complete peace of mind. 

Ready to get motor insurance UAE? This blog will take you through how it works. Let’s get started!

An Overview of UAE Motor Insurance

UAE motor insurance offers comprehensive coverage for all vehicles plying on public roads, including commercial vehicles and private cars. The key offerings under this insurance are motor comprehensive insurance, motor fleet comprehensive insurance, and motor third-party liability insurance. 

Coverage Offered Under the UAE Motor Insurance

Before opting for motor insurance in UAE, having an idea of what is covered matters. Here’s the complete list of the coverage provided!

Accidents

In the UAE, accidents can happen anytime and anywhere, leading to significant losses. However, when you have motor insurance, you need not stress much. Whether it is a serious accident or a minor collision, you can get optimal coverage for the damage to the vehicle, its spare parts, and accessories.

Natural Disasters

The UAE is prone to occasional extreme weather conditions. So, there is always a risk that your car may be affected by natural disasters, including sandstorms, hail, and flooding. That is why having motor insurance proves to be vital. The insurance can provide you with comprehensive coverage during such natural disasters and lower your financial burden significantly.

Vandalism and Theft

The theft of your luxury car can be disheartening and will put you under financial stress. However, motor insurance in the UAE offers optimum coverage. So, protecting your insured vehicle against vandalism and theft becomes easy.

Malicious Act of a Third Party

Has a third party deliberately damaged your vehicle? Fret not, the losses will be covered under the motor insurance.

Third Party Liability

In case of an accident where you are at fault, it is your liability to compensate for the damage, injuries, or losses of the third party. Motor insurance can save you from such hassles and ensure coverage for your legal liabilities.

Steps to Claim the Motor Insurance

Want to file a claim? A point to note is that getting compensation takes time. So, you need to be a little patient. Here are the simple steps you will have to follow!

Report the Incident

Regardless of the circumstances, it is essential to report the incident to the police as soon as possible. This step is non-negotiable when it comes to making a claim for your motor insurance. Make sure to get a detailed police report as evidence of the incident.

Notify the Insurance Provider

The next step is to reach out to your insurance company and inform them about the incident within 24 to 48 hours. Make sure to provide all the necessary information, including the preliminary details, the extent of damage, and more.

Submit the Documents

Once you have notified the insurance service providers, gathering all the vital documents and handing them over is crucial. The essential documents may include vehicle registration papers, a police report, and photos of the accident.

Undergo Investigation

After the documents have been successfully submitted, the insurance company will investigate the claim. It may include reviewing the evidence, assessing the damage, and verifying the documents. The core aim is to validate the genuineness of the claim.

Approval and Compensation

Once the claim is approved, you will receive compensation for the losses. The claim processing duration will vary depending on the extent of damage, the time taken for document verification, and other circumstances.

Final Thoughts

In these uncertain times, accidents, thefts, or damage to your vehicles can happen at any time. As a matter of fact, the number of traffic accidents in Dubai recorded in 2022 was about 3.6 thousand in Dubai. The financial losses incurred in such incidents can be immense.  To prevent significant losses, obtaining motor insurance in Dubai has become more essential than ever before. By having a complete understanding of how the claim works, you will be well prepared to handle them efficiently. Are you looking for a reputed insurance service provider? The New India Assurance Company Limited can be your one-stop destination for all insurance needs. Connect with seasoned professionals, discuss your specific requirements, and avail of the best insurance.

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