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

You can access the reimbursement claim form for health and medical insurance on our website www.adnic.ae, where you’ll also find instructions on how to submit reimbursement claims.

Health & Medical insurance claims less than AED 2,500 are processed within 7 working days. Claims more than AED 2,500 are processed within 14 working days from the date of submission.

To get in touch with us about your medical insurance claim once you have submitted it, either call 8008040, or you can send in your queries to medicalclaims@adnic.ae.

If your claim is less than AED 2,500, you can submit it through our mobile app or send it to medicalclaims@adnic.ae. 

If your claim is more than AED 2,500, you will need to send it to ADNIC through an agreed upon channel through your insurance broker or HR, along with supporting documents.

We accept scanned documents for claims under AED 2,500. 

We require original documents for claims above AED 2,500.

Pre-approval for your treatment within our network will be taken care of by your provider. For reimbursement cases, you can send in your pre-approval requests to medicalclaims@adnic.ae.

Within network: 

Your provider will take care of your pre-approval documents for you.

Overseas treatment: 

If you are getting treatment overseas, the required documents needed for pre-approval will be listed in the medical report, investigation reports and preliminary cost estimate.

Pre-approval takes 24-48 hours for non-emergency cases. If you have an emergency case, you don’t need pre-approval.

You will need to provide your Emirates ID and a valid ADNIC insurance card. You can only go ahead with your treatment if you have these with you. Pre-authorization procedures will be taken care of by the provider according to the service level agreement.

1. Within network: Your provider will take care of your pre-approval documents for you, according to the service level agreement.

2. Outside network: Prior approval is not required. The settlement is subject to claim evaluation, according to your Policy terms and conditions. 

Overseas:

The requirement varies and is subject to your policy’s terms and conditions.

If your card does not get accepted by a network provider, please call us at 8008040.

The settlement of your claim can be done through either cheque or bank transfer, once the IBAN details are provided.

Yes, we will let you know if we require any other documents for your claim reimbursement. You must submit any additional requirements within 30 days of reporting the claim.

To report a home-related claim, you can simply call our toll free 8008040, submit the claim online, or send us an email at comclaims.nm@adnic.ae. When you report the claim, you will need to send us a completed claim form.

Upon receipt of the claim, we will contact you within 2 working days to arrange inspection and assessment of the loss.

The settlement of your claim can be done through either cheque or bank transfer, once the IBAN details are provided.

You need to report the incident to us within 24 hours from the time of discovery, which may result in a claim.

Once you have submitted all of the required documents, the claim will be approved within 7 working days.

Before you go ahead with repairs, you need to make sure you claim the damages first and receive approval. For more information, you can refer to the Claims Procedure section in your Policy.

Your responsibilities will differ depending on the type of claim, but there are two things that you should always do: 

1. Report your claim to us immediately

2. Protect your property from further loss or damage

We accept scanned copies initially in order to process the claim, however, you must send us original copies after the claim is approved and before the payment is made.

Make sure you attach the completed claim form when you report the claim to us. Upon review and further investigation of the claim, we might request additional documents based on the type of loss.

If you experience theft, first notify the police immediately. The police report is a mandatory document we require in such cases.

If your card does not get accepted by a network provider, please call us at 8008040.

War and terrorism are standard exclusions under the terms and conditions of the policy.

You can find this information in your insurance certificate, which will specify how long your coverage lasts when travelling.

The minimum age is 30 days and the maximum age is 80 years.

A pre-existing disease is a condition that the insured person suffered from, prior to the date of taking out this policy, even if it wasn’t diagnosed.

Yes, we do require the original invoices in order to process your claim.

The following sports are excluded: 

• Motor racing or motorcycle racing in any of its modes, big game hunting outside European Territory, underwater diving using artificial lung, navigation in international waters in craft not intended for the public transport of passengers, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free falling, gliding and, in general, any sport or recreational activity that is known to be dangerous.

• Participation in competitions or tournaments organised by sporting federations or similar organisations. 

• Hazardous winter and/or summer sports such as skiing and/or similar sports. 

• Participation by the Insured in competitions, sports, and preparatory or training tests.

If you experience any issues abroad, you can contact the assistance company that is listed in your insurance policy, who will be able to help you.