UAE's Trusted Motor Claims Specialist
Motor Insurance
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.
50,000+
Claims Processed24/7
Support Available5 Days
Average Settlement Time4.9 ★
Customer RatingWhat 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.
Filing Your Claim: 6 Simple Steps
01
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.
02
Get Your Documents Ready
Collect your Emirates ID, driving license, Mulkiya (vehicle registration), police report, and photos of all vehicle damage.
03
Tell Your Insurer
Contact your insurance provider within 24 hours of the accident. Delay may affect your claim eligibility.
04
Submit Your Claim
File your motor claim online through esanad.com or visit a service center. Include all required documents.
05
We Inspect Your Car
An insurance surveyor will inspect your vehicle and assess the repair costs within 1–2 working days.
06
Repair or Payout
Once approved, your vehicle is sent for repair at an approved garage, or you receive your settlement payout.
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 |
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 |