5 reasons why your car insurance claim might be rejected in the UAE

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  • Your insurance policy will only ever cover what you’ve paid for.
  • That’s why, it’s always good to make sure that you know exactly what you’re getting, as well as why you’re getting it.
  • Always be sure, to be honest from the beginning, whether it’s about the details of your car to your personal driver history.

Life happens – and when it comes to being in an accident, it’s always best to understand what your insurance does and doesn’t cover.

All drivers by law are required to have car insurance, which covers third party damages and at the very least. And having the right policy in cities like Dubai and Abu Dhabi is especially important, given the unfortunate high rate of accidents.

But sometimes, it’s more than just the semantics; it goes without saying that everyone will try their best to save money wherever possible, especially if it means saving money on your car repair costs.

So, why wouldn’t your insurance cover your claim?

Insurance Claim UAE

Here are a few reasons.

Tall tales

It’s never good to hide the truth, especially from your insurer. Right from the start, it’s good to be upfront about your car or lifestyle details. While this could mean that your policy will be higher, it could save a lot of hassle in the future.

For example, stating your car’s details correctly, such as GCC Spec (i.e., a model made specifically for the Gulf region) versus an imported vehicle. This means that the insurer will only cover what’s necessary. Other instances include declaring a wrong model/type or inaccurately stating that the driver has not caused an accident in recent years. At the time of the crash, every detail is checked, and if there are any inconsistencies, the insurer has the right to refuse coverage.

You get what you pay for

More often than not, it’s common for people to focus on the price of their policy rather than what the policy covers. This is not to say that a more expensive policy is necessarily better but, making sure you know what you’re covered for can be especially helpful when it comes time to claim.

For example, some insurance policies don’t cover accidents when driving off-road or driving across the border to Oman/Qatar. Even comprehensive car insurance policies can exclude damages to your windscreen (if no other part of the car is damaged), damages caused by storms and floods or theft of personal belongings from your vehicle. It’s vital to check these details before claiming, to avoid unnecessary tension or grief.

Breaking the law

In any situation, breaking the law isn’t good. Insurers are highly unlikely to cover your claim if you’ve broken the law, no matter how big or small the infringement may be. Examples include driving while intoxicated or under the influence of any illegal substance, driving without a driving license or driving on the road closed to traffic. Not only can these types of accidents caused by irresponsible or impaired drivers lead to hefty fines, arrest, and even a prison sentence, but the offense will also be on the driver’s official record, which could have serious implications in the future.

Going over the limit

No matter which policy or insurer you choose, every single one of them has its limits, regardless of what you are and aren’t covered for. An insurance company can decide not to pay for the full loss if a particular threshold has been exceeded, such as car rental and key replacement (which are typically only covered once during the term of the policy). Be aware of the considerable differences among insurance providers too, especially when it comes to the limits of emergency medical expenses or loss and damage of personal belongings in the car.

Be on time

Time is money. So, when it comes to claiming from your insurance company, do so as soon as possible. Some car insurance policies require claims to be made within a certain period, for them to cover it. This is so that they cover the damage from the accident, as damages left for a more extended period could lead to more significant issues. Insurance companies also choose to cover claims that have considerable evidence, rather than claims that are a result of having not reported a previous accident.

To sum it all up, your insurance company will never try to rip you off. They’re there to protect and help you, as long as you do the same. It always pays to be honest, check the details and be on the right side of the law.



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Aqeed is on a mission to help you become better at everything related to insurance. The articles are meant to enrich your knowledge about insurance so that you make the right choices. From the decisions you make to the options you take, you are In Sure Hands.

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