Online Claims
The online claim submission and approval process is praised as straightforward, including for motor claims.
Union Insurance Company
Deira
Union Insurance Company is an insurance provider in Deira offering retail and commercial cover, with customer reviews particularly focused on motor claims. People mention its online claim process and insurer-appointed garages such as TOP Gear garage, although follow-up experiences vary considerably.
Reputation Score
3.5
★★★★☆
215 ratings
Source: Google Maps
The Good Stuff
Fast Claims
Some customers report quick handling, including a flood-damaged car that was declared a total loss and compensated without hassle.
Garage Choice
Garage experiences are mixed, but one customer specifically preferred the newer Al Mamlakah garage to the previous option.
Clear Policies
A recent customer described the process as smooth and the policies as clear, alongside fast claim handling.
Helpful Support
Several recent reviews describe supportive agents and clear communication during routine service or claims.
Tips for a Better Visit
Check Clauses. Before renewing or claiming, double-check every coverage clause, excess and promised benefit in the written policy.
Check RTA. After buying or changing a car policy, verify that it appears in the RTA portal before attempting registration.
Inspect Repairs. Inspect the car carefully at collection, especially bumper alignment and cracked parts, before accepting the garage work.
Expect Waits. Allow time for approval and follow-up: one motor-claim review says approval took a week.
Clarify Refunds. Ask for the cancellation and refund timeline upfront, particularly if a policy is being cancelled after an RTA or agency issue.
Plan the visit
Practical details
Al Ittihad Rd
Al Khabaisi - Deira, Dubai
| Mon | 8:00 AM – 5:00 PM |
| Tue | 8:00 AM – 5:00 PM |
| Wed | 8:00 AM – 5:00 PM |
| Thu | 8:00 AM – 5:00 PM |
| Fri | 8:00 AM – 12:00 PM |
| Sat | Closed |
| Sun | Closed |
Popular Mentions
TOP Gear garage
One customer selected TOP Gear garage through the insurer and rated the work five stars.
Dynatrade
A flood-damage claim was initially approved for repair at Dynatrade before the vehicle was declared a total loss.
Smart Auto Care Garage
One accident-repair review described work at Smart Auto Care Garage as being like agency-quality service.
Common Concerns
Refund Delays
Refunds have reportedly taken from 17 days to almost four months after cancellations or policy changes.
Poor Follow-up
Multiple customers say calls and emails went unanswered or received only delayed, vague replies.
Repair Quality
Garage repairs have included a misaligned bumper and an unresolved cracked section, with approval delays for rework.
Garage Restrictions
One customer said they were forced to use a specific low-class garage rather than choosing their own repairer.
Investment Losses
Reviews of the Super Secure plan allege that invested funds fell in value and were difficult to track or recover.
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The Bottom Line
Union Insurance Company in Deira provides retail and commercial insurance, with the reviews concentrating heavily on car cover and claims. Customers can submit claims online, use insurer-directed garages such as TOP Gear garage, Al Mamlakah, Dynatrade or Smart Auto Care Garage, and pursue repairs, rental benefits or total-loss settlements. The online submission and approval process is one of the clearer positives, and some customers describe fast handling, including compensation after a flooded car was declared a total loss.
The experience after approval is less consistent. Some policyholders report helpful communication and smooth claims, while others describe unanswered calls, delayed emails, slow policy updates and difficulty getting refunds. Reported refund waits range from 17 days to almost four months.
Garage outcomes also vary: one customer praised Al Mamlakah, but others reported poor workmanship, a misaligned bumper and restricted garage choice. Read the policy closely before paying or renewing. Confirm excesses, replacement-car cover and rental terms in writing, then check that a motor policy appears in the RTA portal before registration.
5 years and complained about limited investment updates. Keep written records of cancellations, claims and follow-ups.