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I felt so cheated after this incident; should we trust these Dubai insurance personnel. Below is my recently incident with the above mentioned company and it’s your own personal justification to use them or not as your car insurance company.

I had an accident along Dubai-Al Ain road; my car went over an anomaly dropped by a vehicle. It hits my front bumper and side body kit so hit that my front bumper came off and side body kit cracks. Standard procedure; make a police report, get the green form and report to the insurance company for claim as I have full comprehensive insurance. At the claim centre, I was told bout the surveyor after assessing my car that I will have to pay an excess of 750aed for the repair and I accept that. Give a letter stating that excess of 750aed, I went to the assigned garage and was told that I have to pay an excess of 750aed upon collection and I agreed. Last week when I collect my car, I was told by the garage to pay 1500aed because the insurance company have alter the letter and state 2 excess (1500aed) on it. Was told by the garage that the insurance came down to the garage and replace the letter (from 750aed to 1500aed) without my acknowledgement.

What I confront the company, I was told that the surveyor change his assessment from 1 accident to 2 days after the first evaluation and replace the letter with 750aed to 1500aed without my knowledge.

The reason I was given;
• Surveyor thinks that I have 2 accidents.
• They cant find second hand parts for my car so they have to buy new parts.
• My car is old, so either I pay for the new parts or accept 2 accidents.

Questions;
• What can I do with such case?
• What rights does the insurance company have to change its assessment from time to time without informing the policy holder?

Is this how a big insurance company in UAE works?

This is a clear cheating policy holder case and it shows how unprofessional and cunning this company was. Beware for such cheats and select the right company for your car insurance as otherwise you might be like me paying huge premium and yet are not fully insured.

Did you tell them that you had 1 accident only?

I have told them but I was told that no. of accidents is based on their experience surveyor assessment. They also told me that the cost of repair is high as they cant find second hand parts for the repair; therefore this might be one of the reason why they try to get more money out from me. But is this right for insurance company in UAE to do this?

Also i was told by my colleague that if you have 2 accidents the police will issue you 2 green slips.

Anyway I am just disappointed by these unhonest businessman in UAE that does such tricks. I know there is nothing i can do but i hope my experience can alert someone in future and not to fall into such traps set up up unethical insurance company.