Why You Need Your Insurer's Number Before the Next Flood
When floodwater is rising around your car, the last thing you want is to be scrolling through Google trying to find your insurance company's claims hotline. The UAE experiences sudden, severe flooding that can escalate from light rain to submerged roads in under an hour. Having your insurer's direct claims number saved in your phone before disaster strikes is one of the simplest and most effective things you can do to protect yourself financially.
Most UAE motor insurance policies require you to report an incident within 48 hours. During mass flood events, phone lines are jammed and hold times stretch to an hour or more. Car owners who already have the right number, and know exactly what to say when they call, get through the process faster and avoid the costly mistake of missing their reporting window.
Below is a comprehensive directory of major car insurance companies operating in the UAE, along with their claims hotlines, roadside assistance numbers, and websites. Save the ones relevant to your policy now, while conditions are dry.
UAE Car Insurance Companies: Claims and Roadside Contacts
For the full interactive directory with 23 insurers and clickable phone numbers, visit our dedicated Insurance Contact Directory page.
| Company | Claims Hotline | Roadside |
|---|---|---|
| ADNIC | 800 8040 | 800 4405 |
| Sukoon (Oman Insurance) | 800 785666 | 800 785666 |
| GIG Gulf (AXA Gulf) | 800 292 | 800 292 |
| RSA Insurance | 800 774 | 800 462 372 |
| Salama | 800 725262 | 800 725262 |
| Orient Insurance | 04 253 1300 | 04 253 1300 |
| AMAN (Dubai Islamic) | 800 4900 | 800 4900 |
| Tokio Marine | 800 4010 | 600 50 8181 |
| Emirates Insurance | 800 18 | 800 73 |
| QIC | 800 4 742 | WhatsApp: 50000742 |
| Al Wathba (AWNIC) | 600 54 40 40 | 600 54 40 40 |
| Al Sagr National | 04 702 8500 | 800 88726 |
| Takaful Emarat | 600 522 550 | 600 522 550 |
| Watania Takaful | 800 928 2642 | 800 928 2642 |
| Adamjee | 04 275 2337 | 600 500 242 |
| YAS Takaful | 800 889 | 800 889 |
| Fidelity United | 800 842 | 800 842 |
| AFNIC | 800 23642 | 800 23642 |
| Zurich | 04 363 4567 | 04 363 4567 |
| NGI | 04 211 5800 | 04 211 5800 |
If your insurer is not listed above, check your insurance certificate or policy document. The claims hotline is typically printed on the front page. You can also call your insurance broker, as they can initiate the claim on your behalf.
What to Tell Your Insurer When You Call
When you reach your insurer's claims team, be clear and factual. Provide the following information to ensure your call is productive and your claim is logged correctly:
- Your policy number (printed on your insurance certificate or app)
- The date, time, and location where the flooding occurred
- A brief description of what happened (e.g. "My car was parked in the basement of Tower X in Dubai Marina and the parking flooded overnight")
- The current condition of the vehicle (still submerged, water receded, moved to dry ground, etc.)
- Your police report or incident certificate number if you already have one
- Whether you attempted to start the engine after the flood (be honest, as this affects the claim)
Ask the claims handler for a claim reference number before you end the call. Also ask for the handler's direct email address so you can follow up in writing. If you cannot get through by phone, send a written notification via email immediately. The goal is to have a documented record proving you notified your insurer within the required timeframe.
Common Reasons Flood Claims Get Rejected
Knowing what triggers a claim rejection helps you avoid those mistakes from the start. Here are the most common reasons UAE insurers deny or reduce flood damage claims:
- Starting the engine after flooding: This is the number one reason for claim complications. If the insurer determines you tried to start the car after water entered the engine bay, they may classify the resulting hydrolock damage as driver negligence rather than flood damage. The flood-related interior and electrical damage may still be covered, but the engine claim could be denied entirely.
- Driving into visibly flooded areas: If you drove past road barriers or into water that was clearly deep enough to damage your vehicle, the insurer may argue you could have avoided the damage. Parking in a spot that floods is treated differently from actively driving into standing water.
- Late reporting: Most policies require notification within 48 hours. Miss this window and the insurer has grounds to deny the claim, even if the damage is genuine and well documented.
- Parking in known flood-prone areas: Some insurers have begun scrutinising claims from locations with a documented history of repeated flooding, such as certain underground car parks that flood during every major rain event. While this alone rarely leads to outright denial, it can invite additional scrutiny and delays.
The best way to protect your claim is straightforward: do not start the engine, document everything with photos and video, file a police report, and notify your insurer as quickly as possible.
Need Help With Your Flood Insurance Claim?
If you are unsure about your coverage, struggling to get through to your insurer, or need guidance on how to maximise your claim, MyFloodedCar can help. We provide free initial insurance guidance and can assist with the entire claims process, from documentation and filing through to settlement negotiation. Use our free Flood Damage Checker to assess your situation in minutes, or read our step-by-step claims guide for a detailed walkthrough of the process.