If you ever have a car accident whilst travelling outside the UAE, in either Oman, Bahrain, Qatar or Kuwait, we are here for you. If you would like to open your claim and have the vehicle repaired right where you are, you can do so by contacting our Car Insurance Claims Department in any of these countries, at the following numbers:

• UAE
  +971 2 408 0100
  24 Hours

• Oman
  +968 2 478 7828

• Bahrain
  +973 1 778 8788

• Qatar
  +974 4 466 2025

• Kuwait
  +965 1 888 444

The policy excess applies to non-recoverable claims, which you can read more about in your policy schedule. If you report multiple claims at the same time in which your vehicle was at fault or the third party is unknown, a separate excess will be applied for each claim.

However, in certain scenarios multiple excess deductibles can be charged on the same claim depending on the car insurance policy terms & conditions and the nature of the damages reported.

An additional excess may apply in one of the following scenarios:

1. Your policy includes a clause for additional excess deductible in case of off-road

2. The driver at the time of the accident was under the age of 25

3. Multiple damages due to unknown third parties, each individual damage reported may be subject a separate excess

4. For vehicles more than one year old, if the repair requires parts replacement you are entitled to reclaimed parts. However, should you request brand new parts a depreciation of 5% for ever year up to a maximum of 30% of the cost of the parts will be applicable.

To report a motor-related claim, you can simply call the ADNIC Motor Insurance Claims toll free number 800 8040 at any time, to open your claim. You can also submit your claim online or visit our ADNIC office and report your claim in person.

We will record details of the incident and then get back to you with the next steps. 

Once your claim is opened, you will get a text message from us. This will contain a claim reference number and the contact details of a garage that is most appropriate to your policy and insured vehicle.

In case you wish to cancel your existing policy with us, please feel free to reach out to any of our offices or call our contact center at 8008040

You can pay the excess directly at the agency or workshop’s customer service.

You can always call one of our six branches, at the following numbers:

• HEAD OFFICE
  +971 2 408 0100
  24 Hours

• DUBAI BRANCH
  +971 4 515 4851
  From 8am to 4pm

• SHARJAH BRANCH
  +971 6 568 3743
  From 8am to 4pm

AL AIN BRANCH
+971 3 764 1834
From 8am to 4pm

You can call 8004405 to help you with recovery.

If you have selected Agency Repairs, then your vehicle will be repaired at the authorized dealership of that vehicle. 

Otherwise, we will select one of our own authorized repairers. Always be assured that we use the highest quality garages that adhere to our strict quality controls.

You will need:

• Original police report

• Copy of the registration card

• Copy of the driving license

• ID Copy