Need to Make a Claim? Understand Your Next Steps
Insurance claims are assessed by the applicable insurance provider according to the policy terms and circumstances of the incident. Al Amal can help you understand what to report, what information may be requested and what to do next.
Understand the Process
We help explain the applicable steps and requirements.
Document Guidance
Understand which supporting information may be requested.
A few important first steps
Exact requirements depend on your policy and the type of incident.
Prioritise Safety
If anyone is injured or there is an immediate danger, obtain appropriate emergency assistance before dealing with the insurance process.
Follow Authority Requirements
Where applicable, follow UAE police, traffic, medical or other relevant authority reporting requirements for the incident.
Keep Useful Evidence
Preserve relevant photographs, reports, receipts and other information where it is safe and appropriate to do so.
Notify Promptly
Check the policy notification requirements and inform the applicable insurance provider within the required timeframe.
From incident notification to claim outcome
The exact process varies by provider and claim. The insurance provider remains responsible for assessment, approval and settlement decisions.
Report the Incident
Follow applicable UAE authority requirements and obtain any report required for the circumstances of the accident.
Notify the Provider
Report the claim according to the notification process and timeframe stated in your policy.
Provide Documents
Submit the information and supporting evidence requested by the insurance provider.
Assessment
The provider may inspect damage, request additional information or provide instructions regarding eligible repair arrangements.
Follow the Outcome
Keep your claim reference and respond promptly if further information is requested.
Documents that may be requested
This is only a general guide. The applicable insurance provider will confirm the documents required for your specific claim.
Policy Information
Your policy number, certificate or other relevant insurance information.
Identification
Emirates ID, driving licence and other identification where requested.
Vehicle Information
Vehicle registration and other relevant vehicle details.
Police / Accident Report
An applicable police, traffic or accident report where required for the claim.
Photos & Evidence
Relevant photographs or other evidence of the incident and damage where requested.
Claim Forms
Any insurer-specific claim form, declaration or supporting information requested.
Claim requirements depend on the type of policy
Al Amal can help you understand the next steps for policies arranged through the applicable insurance network.
Health Insurance
Medical reimbursement, treatment authorisation and other healthcare claim procedures depend on the provider, medical network and policy terms.
Travel Insurance
Keep relevant medical reports, travel documents, receipts, airline information and other evidence required for the applicable travel claim.
Home Insurance
Property claims may require photographs, invoices, repair information, reports and proof relating to the insured loss.
Business Insurance
Commercial claims may require detailed evidence relating to the incident, insured property, liability, financial loss or other relevant circumstances.
Tell us what kind of help you need
Send basic details only. Our team can then guide you on the appropriate next step.
Start with the insurance provider's complaint process
If a claim is declined, reduced or otherwise disputed, ask the applicable insurance provider for the reason for its decision and review the relevant policy terms and supporting information.
If you remain dissatisfied, submit a formal complaint directly to the insurance company and keep a record of the complaint and its response.
- Ask for the reason for the claim decision
- Review the relevant policy wording
- Provide any missing supporting information
- Use the insurance provider's formal complaint process
- Keep copies of correspondence and complaint references
Sanadak insurance complaints
If you have already submitted an official complaint to the insurance company and the matter remains unresolved, you may be eligible to submit an insurance complaint to Sanadak.
Current Sanadak eligibility criteria should always be checked before submitting a complaint.
Visit SanadakCommon insurance claims questions
If your question relates to a specific policy or incident, contact our team with the basic details.
Follow the notification requirements stated in your policy and contact the applicable insurance provider as soon as reasonably possible. Al Amal can help you understand the applicable steps and documentation.
No. Claim assessment, coverage decisions and settlement decisions are made by the applicable insurance provider according to the policy terms and circumstances of the claim.
No. Claim outcomes depend on the policy, circumstances of the incident, supporting evidence and the insurance provider's assessment. Al Amal can help you understand the process but cannot guarantee a claim outcome.
Ask the insurance provider for the reason for its decision and review the relevant policy terms. If necessary, use the provider's formal complaint process.
If the matter remains unresolved, eligible insurance complaints may subsequently be escalated through Sanadak according to its current complaint requirements.
There is no single timeframe for every claim. Timing can depend on the type of claim, completeness of documents, assessment requirements, third parties and the applicable insurance provider's procedures.
Do not send original or highly sensitive documents unless you have first received clear instructions about what is required and where it should be submitted. The applicable provider may have its own secure submission process.