How to Claim Car Insurance in Dubai After an Accident
No need to panic
Getting into a car accident can be stressful, even when the damage appears minor. Once everyone is safe, there are a few important steps to follow before your vehicle can be repaired and your insurance claim processed.
If you are wondering how to claim car insurance in Dubai, the process generally involves reporting the accident to the police, collecting the required documents, and notifying your insurer.
Understanding these steps beforehand can help you avoid delays and know what to expect.
What to do immediately after a car accident in Dubai?
Your priority should always be safety. If anyone is injured, call an ambulance on 998 and contact the police on 999.
If the accident is minor and nobody is injured, move your vehicle to a safe place away from traffic if it is possible to do so safely. Take photographs of the damage and the surrounding area, including the positions of the vehicles.
Report the accident to Dubai Police through the Dubai Police app or by calling 999. A police accident report is required for insurance claims. Do not leave the accident unreported or arrange repairs before following the reporting process.
If your vehicle cannot be driven, contact your insurer for roadside assistance or towing arrangements.
How to file a car insurance claim?
Once you have obtained the police report, contact your insurance company to register the claim. Most insurers have dedicated claims departments, while some also offer mobile apps and online claim registration.
If you have car insurance with Sukoon, you can register your claim through the mySukoon app, call 800 405, or email motorclaims@sukoon.com.
You will receive an acknowledgement with instructions on what to do next, including where to take your vehicle for inspection or repairs. Depending on your policy and the circumstances of the accident, the insurer will guide you through the appropriate process.
Remember that the type of cover you have matters. Comprehensive insurance can cover damage to your own vehicle, subject to policy terms, while third-party car insurance generally covers your legal liability for damage or injury caused to others, not damage to your own car.Documents required to claim car insurance
Having the necessary paperwork ready can help avoid unnecessary delays. For a motor insurance claim with Sukoon, the standard documents include:
- Police accident report.
- Vehicle registration card (both sides).
- Driving license of the driver involved in the accident (both sides).
- Emirates ID (both sides).
Additional documents may be requested depending on the circumstances. For example, total-loss claims may require bank details, an IBAN, and other ownership-related documents.
Check that the driver's details match the information recorded in the police report.
What happens after you submit a car insurance claim?
After you have submitted your claim, the insurer will review the documents and arrange the next steps.
For Sukoon Motor claims, the process generally follows these stages:
Claim registration: You receive an acknowledgement and instructions for submitting your vehicle.
Vehicle Inspection: The assigned garage prepares a repair estimate, which may be reviewed and approved by a Sukoon surveyor depending on the repair value and claim circumstances.
Repair approval: If required, a surveyor reviews the estimate and approves the repair work.
Vehicle repairs: Once authorised, the garage begins the repairs and provides an expected completion date.
Collection: You receive a notification when your vehicle is ready. Any policy excess must be paid before collection.
You receive real-time updates through SMS and the mySukoon app.
How long does a car insurance claim take in Dubai?
There is no single timeline for every motor insurance claim. It depends on the extent of the damage, the inspection requirements, availability of spare parts and whether another insurer needs to approve the repairs.
According to Sukoon's motor claims guide:
- Minor repair assessments can take up to one day.
- Medium repair assessments can take around two to three days.
- Major repair assessments can take around four days.
- Third-party approval for non-fault claims may take up to five business days.
- Most vehicle repairs are completed within one to two weeks.
How to make the claims process easier
A few simple steps can help keep your claim moving:
- Report the accident promptly and obtain the police report.
- Take clear photographs of the damage.
- Submit complete and accurate documents.
- Respond quickly if the insurer requests additional information.
- Use the repair facility assigned by Sukoon or otherwise approved by the claims team.
- Keep your claim reference number and correspondence accessible.
Why choose Sukoon for car insurance in the UAE?
Choosing an insurer involves more than comparing premiums. The claims process, access to repair facilities, and availability of assistance are also important.
Sukoon provides a digital motor claims registration option through the mySukoon app, a 24/7 claims helpline, and roadside assistance. Its motor claims process also includes repair tracking and updates through SMS and email.
If you are comparing car insurance in the UAE, it is worth reviewing the available comprehensive and third-party options to understand which cover suits your vehicle and driving needs.
Learn more about Sukoon and review its motor insurance products before making a decision.
Get back on the road
Knowing how to claim car insurance in Dubai can make a difficult situation easier to manage. Report the accident, keep your documents ready, and follow your insurer's instructions throughout the process.
Taking care of these steps early helps avoid preventable delays and gets you closer to having your vehicle back on the road.
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Disclaimer: The information provided in this blog is for general information purposes only and does not constitute professional advice. Readers are advised to (i) obtain independent professional advice before making any decisions related to or arising out of this blog article (ii) carefully review their motor insurance policy terms and conditions to understand their applicable coverage scope (as some benefits may or may not be applicable to you), limits, and exclusions. Sukoon Insurance PJSC does not make any representation or warranty of any kind in relation to this article/blog post including that any of the data, information, materials on this blog article are accurate, reliable, or complete. Sukoon Insurance PJSC hereby disclaims any and all responsibility or liability of any kind for any direct or indirect damages or losses of any kind caused to you in relation to or arising out of this blog article.