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    800 116 4845

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    To submit your claim, please visit the AXA office near you.

    Car Insurance Switch
    How to declare your claim

    1. What to do in case of an accident?

    You must obtain a police report as this is required by law to process your claim. This is also required by the workshop to carry out the repairs on your vehicle

    2. What documents do I require to report a claim?

    - Original police report;
    - Copy of the registration card of the vehicle;
    - Copy of the driving license of the driver at the time of the accident.

    3. How to report a claim?

    Pleae call AXA Motor Claims number below or vist the AXA office near you to open your claim.


    UAE 800 4845 24 hours

         Muscat 2440 0160 8.30am to 5pm (Saturday to Thursday)
         Sohar 2684 6421 8am to 1pm & 3:30pm to 6:30pm(Saturday to Wednesday)
    Bahrain 8000 1060
    24 hours
    Qatar 800 2924
    24 hours
    Saudi Arabia:

         Jeddah 02 2635566 8am to 5pm (Sunday to Thursday)
         Al Khobar 03 8822813 8am to 5pm (Sunday to Thursday)
         Riyadh 01 4776706 8am to 5pm (Sunday to Thursday)

    To submit your claim, please visit the AXA office near you.

    Home Insurance Switch
    How to declare your claim

     Claims Settlement

    At your option we will indemnify you by replacement reinstatement repair or payment where we are able to replace the property payment will be limited to the cost of replacement by our preferred supplier. 

    Contents and Personal Belongings (Sections 1, 2 & 3) 

    The total amount payable by us in respect of loss or damage under Sections 1, 2 & 3 arising out of one occurrence shall not exceed the sum(s) insured.

    The sum(s) insured will not be reduced by the amount of any claim payment unless stated otherwise in any cover.



    In respect of valuables

    1. No one item shall be deemed of greater value than the Valuables Single Article Limit unless insured as a separate item.
    2. In respect of Sections 1 & 2, the total value of Valuables shall not exceed one third of the total sum insured by these Section unless otherwise stated in the Schedule.

    Wear and tear

    1. In setting claims for total loss or damage beyond economic repair there will be no deduction for wear tear and depreciation except for:
      1. Any claim in respect of clothing household linen and pedal cycles.
      2. Any claim resulting from accidental damage to radio receivers television sets and games recording and audio equipment computers and carpets all more than 5 years old.
    2. In respect of property not belonging to you or your domestic helper a deduction for wear tear and depreciation will be made unless you or they are legally responsible for the cost of replacement as new under the terms of an agreement.

    Matching items

    1. We will not pay for the cost of replacing any undamaged items forming part of a matching set or articles or suite of furniture. Where carpeting is damaged beyond repair only the damaged carpet will be replaced and not undamaged carpet in adjoining rooms.
    2. If any claim arises for loss of or damage to an article constituting one of an insured pair no regard shall be had to any special value as such and the amount payable under this Policy shall be calculated as though the article had been separately insured at pro-rata of the value of the pair or set.


    An amount of BHD/OMR 25 or AED/SAR 250 will be deducted from any claim under each of the Sections 1, 2 and 3 of the Policy unless a specific excess has been mentioned for any cover or in the Schedule. Only one Excess may apply in the event of a claim under more than one item arising out of the same occurrence at the same time.

    Any article exceeding single article limit

    Proof of value will be required when making a claim for an item valued in excess of the Single Article Limit. We recommended that you retain copies of receipts, valuations, photographs, instructions booklets and guarantee cards to assist in the event of a claim.

    Buildings (Sections 4 & 5)

    At our option we will indemnify you by payment reinstatement replacement or repair. However we will not pay any reduction in the market value of the Home resulting from reinstatement.


    An amount of BHD/OMR 100 or AED/SAR 1000 will be deducted from any claim under Sections 4 and 5 of the Policy. Only one excess will apply in the event of a claim under more than one item arising out of the same occurrence at the same time.

    To submit your claim, please visit the AXA office near you.

    Health Insurance Switch
    How to declare your claim

    What do I need to do in order to be reimbursed for my claim?

    For reimbursement you need…

    • A fully completed and original claim form signed and dated by you and the medical practitioner giving treatment (by “original” we mean we must have a form with all the details and signatures as originally written, not as a photocopy).
    • Original receipts for consultation, diagnostics, medications, investigations etc… (i.e. any medical service you have paid for).
    • Check the claim form and ensure that all required sections are completed. If the Medical Practitioner has missed anything you will need to go back to him and ask him to properly complete his sections of the form.
    • You must do this before sending the form to us or we will not be able to process your claim.
    • Once this is done take a photocopy for your own records (in case something gets lost in the post) and secure all the papers together.
    • Send/deliver them to AXA – see Contact us section.

    Settlement outside the A.G.C.C

    Will my bill be settled directly if I have an out-patient appointment while outside the AGCC?

    If you are outside the A.G.C.C. it is not possible for us to arrange to settle bills for out-patient treatment directly with the clinic or hospital. You will need to use the reimbursement process for all out-patient services.

    Will you be able to settle my bills directly if I am admitted to hospital within the International network of hospitals?

    If you are to be admitted to a hospital within our international network of hospitals we will be able to settle your bills directly with the hospital. We will still need you to contact us in advance.

    Who can I contact to answer my queries?

    Our Customer Service Team and Medical Board are available 24 hours a day,7 days a week and 365 days a year:


    Country By Phone By Fax By E-mail
    KSA +966 1 478 0282 +966 1 477 3097
    UAE +971 4 429 4000 +971 4 429 1378
    Qatar +974 412 8733 +974 412 8734
    Bahrain +973 17 582 612 +973 17 582 648
    Oman +968 24 00 100 -


    To submit your claim, please visit the AXA office near you.

    Travel Insurance Switch
    How to declare your claim

    You must notify us in respect of the Medical Claim for Section A,B,C,D,E,F,G,H,I,J, and K – immediately after occurrence of any event the consequence of which could result in a claim, you or any other person acting on your behalf should contact as soon as possible the Alarm Centre in order to receive our prior approval and indication on the procedure to follow.

    Contact AXA +441 892 55 6767 - 24 hours a day, 7 days week

    Email :

    Please refer to terms and condition for complete details and other additional local numbers for claims.

    You should state:

    • Your family name and first name
    • The name of the insurance company (AXA Gulf Insurance) as well as the insurance policy number and period of insurance
    • The date of entry in the visited country
    • The Name, address and telephone number of the Medical Centre to which the Insured Person has been admitted
    • The name and address of the Medical Practitioner in charge of the Insured Person
    • A Brief description of the problems encountered.

    For all other Sections L, M, N, O, P, Q & R, kindly contact our offices on the below mentioned numbers  as soon as possible, but not later than 31 days of the end of the Trip.

    Theft claims you must provide written proof from the police that the incident has been reported.

    Baggage delay claim you should get a letter /report from the airline confirming the delay and delivery dated and time of baggage.


    By Phone

    By Fax


    +9661 478 0282

    +9661 477 3097


    800 4845

    +971 429 1380


    800 2924

    +974 440 60600


    8000 1060

    +973 17 582042


    +968 24 00 100


    800 116 4845

    Sun to Thu 8am to 1pm
    & 2pm to 5pm

    Al Khobar Office
    Al Maflah Building 7th Street (off King Adbul Aziz Street)

    Timing: Sun to Thu 8am to 1pm & 2pm to 5pm Friday closed

    Telephone: +966 013 895 1250

    Fax: +966 013 894 5035

    OmanKSAUnited Arab EmiratesQatarBahrainQatarBahrain