RAK Car Insurance Claim

RAK car insurance, offered by the Ras Al Khaimah Insurance Company, is a trusted and reliable insurance solution for vehicle owners in the UAE. With a strong commitment to providing comprehensive coverage and exceptional customer service, RAK car insurance stands out as a leading choice for drivers seeking safety on the roads.

Whether you are looking for coverage against accidents, theft, or damage to your vehicle, you can find a range of RAK car insurance policies tailored to your specific needs.

Claim Process of RAK Car Insurance in UAE

The RAK car insurance claim process is as follows -

• Step1- Go to a police station near you and obtain a police report to initiate the claim process.
• Step2- Call your insurance provider and let them know about the incident that took place. You can also ask them for the car towing service.
• Step3- Fill out the car insurance claim form downloaded from the official website.
• Step4- Attach all the necessary documents and submit them via email.
• Step5- Upon approval from the provider, the authorities of the workshop will analyse the damages caused to your car.
• Step6- The said authorities will draft an invoice and send it to your insurance provider for approval.
• Step7- Once approved, the servicing of your car will begin.
• Step8- You will also be notified about the expected delivery date of the car.
• Step9- Once you collect your car, complete the necessary documentation process.

List of Documents Required During RAK Car Insurance Claim Settlement

Here are the mandatory documents for the RAK car insurance claim settlement process in the Emirates -

• Copy of the police report
• Copy of the vehicle registration (both sides)
• Copy of the driving licence of the individual driving the vehicle at the time of the accident (both sides)
• Copy of the Emirates ID card of the individual driving the vehicle at the time of the accident (both sides)

How to File an RAK Car Insurance Claim?

You can make a claim with your RAK car insurance plan through email or by contacting one of the customer care officials of the provider via call. 

How to File Your Car Insurance Claim in the UAE

Common RAK Car Insurance Claim Rejection Reasons

Car insurance provides financial protection in case of accidents or unexpected events. However, insurance claims can sometimes be denied for various reasons. Looking into some of the common reasons for car insurance claim denial can help you take appropriate precautions and ensure a smoother claims process -

• Reason1:- Policy Exclusions: Car insurance policies have a list of events or situations that are not covered. These exclusions can vary but the common ones include racing, driving under the influence of alcohol or drugs, and using the vehicle for purposes not stated in the policy. It's essential for policyholders to thoroughly read and understand their insurance policy to avoid claim denials due to policy exclusions.
• Reason2:- Lapsed Premium Payments: Car insurance policies in the UAE require regular premium payments. If a policyholder fails to pay their premiums on time, their coverage can lapse, leaving them uninsured. If an accident or incident occurs during the period when the policy lapses, any claims made during that time are likely to be denied.
• Reason3:- Fraudulent Activities: Providing false or inaccurate information when applying for insurance or filing a claim can lead to claim denial. This includes misrepresenting your driving history, the intended use of the vehicle, or failing to disclose modifications to the vehicle.
• Reason4:- Pre-Existing Damage: Insurance policies are meant to cover damages due to sudden and unexpected events. In case the damage to your vehicle existed before the insurance policy was issued or was not caused by an event covered by the policy, the claim will be denied. 

• Reason5:- Delay in Reporting the Claim: Timeliness is crucial when it comes to filing a claim. Insurance companies typically require policyholders to report accidents or incidents promptly. Failing to do so can result in claim denial as it may affect the ability of your insurance provider to investigate and assess the damage accurately.
• Reason6:- Unapproved Repairs: After an accident, your insurance company may require you to get repairs done at an approved repair shop. If you choose to have your vehicle repaired elsewhere without the insurer's approval, your claim will be rejected. For this reason, it is advisable to always follow the insurer's guidelines when it comes to repair procedures.
• Reason7:- Driving Without a Valid Licence: If you were driving with an invalid or expired driving licence at the time of the accident, your claim can be rejected. It is illegal to drive without a licence and can void your insurance coverage.
• Reason8:- Exceeding Policy Limits: Car insurance policies have limits on the amount they will pay for a claim. If the cost of the claim exceeds these limits, the policyholder may be responsible for covering the remaining expenses.

RAK Car Insurance Contact Detail

To get in touch with the representatives of RAK car insurance for any doubts regarding the RAK car insurance claim, you can drop an email at GI@rakbank.ae or dial 042130000.

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