Can You Claim Again If Repairs Were Not Done Properly?

After making a claim under your car insurance in Dubai, you expect your vehicle to be repaired properly. But sometimes, drivers notice issues after collecting the car — poor paint finish, loose parts, warning lights, or other defects. This raises a common question: can you file another claim under your motor Insurance policy, or does the insurer have to fix the earlier repair?  

Find out what the UAE rules say about this.

What Does the UAE Motor Insurance Policy Say About Repair Standards?

Under the UAE Unified Motor Insurance Policy issued by the Central Bank, repairs must follow recognised technical standards. The policy also states that the repair shop must provide a warranty for the work carried out. This applies to claims made under car insurance in Dubai policies that follow the unified wording.

If the repairs are below the required standards, the insurer is responsible for addressing the issue with the repair shop. This means that under most policies, poor workmanship is not simply ignored. The insurer must ensure that the vehicle is repaired properly in line with the policy conditions.

Is it a New Claim or a Repair Correction?

Before asking whether you can file another claim under your car insurance in Dubai, it is important to understand the difference between poor repair and new damage. If the issue is related to defective workmanship — such as improper fitting, paint defects, or unresolved damage from the same accident — it is usually treated as a repair correction, not a new claim.

The UAE Unified Motor Insurance Policy places responsibility on the insurer to ensure that repairs meet recognised technical standards and are warranted by the repair shop. However, if completely new and unrelated damage occurs after the vehicle is delivered, it may be treated as a separate claim under your motor insurance in Dubai, subject to policy terms and deductibles.

What to Do if Repairs Were Not Done Properly?

If you notice issues after collecting your car after a claim, report the problem to the insurer immediately. Do not wait, as delays can make it harder to prove that the issue is related to the earlier repair. Take clear photos, keep the repair invoice, and document any visible defects.

You can request the insurer to arrange a re-inspection of the vehicle. Under the Unified Motor Insurance Policy, repairs must meet recognised technical standards and be warranted by the repair shop. If the repair falls below those standards, the insurer must address the matter with the workshop. Keeping communication in writing is important when dealing with your motor insurance provider.

What if the Insurance Company Refuses to Fix the Issue?

If your insurer refuses to correct the repair, you should first raise a formal complaint through the company’s internal complaints process. Car insurance companies in the UAE are required to review and respond to customer complaints before the matter is escalated.

If the issue is not resolved, you can file a complaint with Sanadak, the official insurance and financial ombudsman in the UAE. Sanadak accepts complaints related to insurance services after you have attempted to resolve the matter directly with the insurer. This applies to disputes under vehicle insurance in Dubai and other regulated insurance products.

Make an Informed Choice When Buying Car Insurance in Dubai

If repairs are not done properly under your motor insurance in Dubai, the law does not leave you without options. UAE motor insurance rules require repairs to meet recognised technical standards, and insurers are expected to ensure that workshops correct defective work. Whether it is a repair correction, reassessment, or formal complaint, understanding your rights helps you act with confidence.

To reduce the chances of such issues in the future, compare repair benefits carefully before buying or renewing your policy. Features like agency repair and approved garage networks can make a real difference during a claim. Platforms like 

Policybazaar.ae

 allow you to review different vehicle insurance in Dubai plans side by side, so you can choose a policy that matches your expectations from the start.