How to File an Insurance Claim in the UAE: Step-by-Stsep Guide

When Should You File a Claim?

You should file an insurance claim whenever you experience a covered loss or event — whether it's a car accident, medical emergency, home damage, or lost baggage while travelling. Acting quickly and correctly is key to a successful claim outcome.

Step 1: Report the Incident Immediately

For car accidents in the UAE, you must call the police (999) and obtain a police report before your insurer will process your claim. For medical claims, notify your insurer as soon as possible, especially for planned procedures requiring pre-authorisation.

Step 2: Gather Required Documentation

Common documents include:

• Emirates ID and insurance policy details
• Police report (for accidents or theft)
• Photographs of damage or the incident scene
• Medical reports, bills, or prescriptions (for health claims)
• Original receipts for lost or stolen items

Step 3: Submit Your Claim

Most UAE insurers now offer online and app-based claim submission. Log in to your insurer's portal, fill in the claim form, and upload your documents. Alternatively, visit a branch or call the claims hotline.

Step 4: Track Your Claim

After submission, your insurer will review your claim and may request additional information. Keep records of all communications and reference numbers for follow-up.

Step 5: Receive Your Settlement

Once approved, repairs are authorised (for car claims) or reimbursements are processed (for health or travel claims). Timelines vary by insurer but typically range from a few days to several weeks.