When a car accident happens, the repair process can quickly become confusing, especially if you are unsure which garages your insurance company will approve. This is why understanding the RAK car insurance garage list matters so much. Ras Al Khaimah National Insurance Company (RAK Insurance) operates with an approved network of repair garages across the UAE, allowing eligible car insurance in UAE policyholders to repair their vehicles under cashless or insurer-approved arrangements.
In this guide, we explain how the RAK garages list works, what cashless repairs actually mean, and how to use it during a claim. Whether you are dealing with a minor accident or more serious damage, knowing how RAK cashless car insurance garage list is set and how it operates can help you avoid delays, rejected claims, and unnecessary out-of-pocket costs.
What is a RAK Cashless Garage?
A cashless garage is a repair workshop that is approved by the insurer to carry out repairs without requiring the policyholder to pay the full repair cost upfront. In the case of RAK Insurance, cashless repairs are only available at garages that are part of the RAK cashless car insurance garage list, and only when the policy includes this benefit. To fully understand how this system works, it’s useful to learn how to claim car insurance in UAE.
Under a cashless claim arrangement, the garage communicates directly with RAK Insurance. After inspecting the vehicle, the garage submits a repair estimate to the insurer for approval. Once approved, repairs begin without the customer having to settle the bill themselves, aside from any deductible or excess stated in the policy.
It’s important to understand that not all garages on the broader RAK insurance garage list are cashless. Some may be approved for repairs but operate under a reimbursement model instead. This is why confirming the cashless facility before visiting a garage is always essential.
Why Use RAK Cashless Garages?
Using a garage from the RAK cashless garages list offers more than just convenience. It directly ties into how to file a car insurance claim easily.
One of the biggest advantages is reduced financial pressure. Instead of paying thousands of dirhams upfront and waiting for reimbursement, eligible repairs are settled directly between RAK Insurance and the garage. This is particularly helpful when accident damage is extensive.
Cashless garages also play an important role in claim approval. Since they are already authorized by RAK, repair estimates, parts pricing, and labor costs are aligned with policy terms. This reduces the risk of disputes, partial settlements, or rejected claims due to unapproved work.
In addition, the centers on the RAK garages list are familiar with insurer procedures, documentation requirements, and inspection timelines, which often results in faster approvals and fewer follow-ups for the policyholder.
RAK Garages List
While RAK Insurance maintains a network of insurance-approved garages in the UAE, it’s always best to confirm the most current RAK cashless garages list directly with support. The following table includes a selection of garages that are commonly part of insurer-approved networks in the UAE, including those often associated with RAK Insurance.
Authorization may vary depending on your specific policy type and claim circumstances.
| Garage Name | City | Address | Phone Number |
| Aarya Auto Repairs | Dubai | Dubai 10 Street – 27/2 – Al Quoz Industrial Area 4 | +971 4 341 7728 |
| Dynatrade Auto Service | Abu Dhabi | Mussafah Industrial Area | +971 2 550 2300 |
| Al Qusais Auto Workshop | Dubai | Al Qusais Industrial Area | +971 4 267 8880 |
| Iconic Auto Services | Ras Al Khaimah | Al Dhait Industrial Area | +971 7 235 5333 |
| Emirates Transport | Dubai | Umm Ramool, Dubai | +971 4 206 4000 |
| Golden Motor Auto Services Centre | Dubai | Al Qusais Industrial Area 1 | +971 50 310 2484 |
| Al Shamil Auto Workshop | Ajman | Industrial Area 1 | +971 54 435 4777 |
| Bin Sandal Mechanical Station | Sharjah | 8JRV+Q8W – Al Sajaah – Emirates Industrial City | +971 6 533 4247 |
Disclaimer: Inclusion in this table does not guarantee cashless eligibility for every policy. Always verify the current RAK car insurance garage list through official RAK Insurance channels before proceeding with repairs.
How to Use the RAK Car Insurance Garage List During a Claim
Using the RAK cashless car insurance garage list correctly during a claim can save time and prevent complications later. Here’s a practical step-by-step guide:
- Report the Incident: After ensuring safety and obtaining a police report if required, report the accident to RAK Insurance as soon as possible.
- Confirm Eligibility: The claims team will review your policy and advise if your claim qualifies for a cashless repair. If it does, they can guide you to a suitable garage from the RAK cashless garages list near you.
- Get Authorization: It’s very important to get initial approval from RAK Insurance before taking your car to the garage from the RAK garages list. They may issue a repair authorization note.
- Garage Coordination: Present your documents at the approved garage. They will inspect the car, prepare an estimate, and submit it directly to RAK Insurance for final approval.
- Repair and Settlement: Once the estimate is approved, repairs at a center from the RAK insurance garage list can begin. You will only need to pay the deductible. The garage handles the rest of the billing directly with the insurer.
Visiting a garage without this prior confirmation can result in delays or having to use the reimbursement process instead.
Cashless vs Non-Cashless Repairs at RAK Garages
Understanding the difference between these two repair paths helps set the right expectations.
| Aspect | RAK Cashless Garages List | Non-Cashless / Reimbursement Repairs |
| Upfront Payment | You pay only the deductible. | You must pay the full repair cost upfront. |
| Garage Type | Must be from the RAK cashless car insurance garage list. | Can be an approved non-cashless or even a non-network garage (with prior approval). |
| Claim Settlement | Direct settlement between garage and insurer. | You pay the garage, then submit receipts to RAK Insurance for reimbursement. |
| Process Speed | Usually faster, with direct communication. | Can take longer due to payment and reimbursement steps. |
| Documentation | Mostly managed by the garage. | You are responsible for collecting and submitting all invoices. |
| Claim Security | High, as using an authorized partner minimizes disputes. | More variable; costs may be disputed if they exceed insurer benchmarks. |
Important Things to Check Before Choosing an RAK Insurance Garage
Before you decide on a workshop from the RAK garages list, keep these points in mind:
Your Policy Coverage Type
First, confirm if your specific comprehensive policy includes cashless repair benefits. Third-party policies usually do not cover own damage car insurance repair at RAK cashless garages list.
Garage Authorization and Status
Always double-check that your chosen garage is on the current RAK insurance garage list and confirm its cashless status directly with RAK or the garage. Partnerships can change.
The Garage’s Repair Scope
Some garages specialize in certain car makes or types of damage (e.g., bodywork, mechanical, luxury vehicles). Make sure they are equipped to handle your car’s specific needs properly.
Your Financial Responsibility
Remember, cashless doesn’t mean free. You are still responsible for your policy excess (deductible), and any costs for non-covered parts or wear-and-tear items will be billed to you.
Frequently Answered Questions
1. Are all garages in the RAK insurance garage list cashless?
No. The broader RAK garages list includes all approved workshops, but the cashless facility is only available at a subset of those that have a direct billing agreement. Always confirm this specifically.
2. How can I check if a garage is still part of RAK’s network?
The most reliable way is to contact RAK Insurance directly via their customer service or claims hotline, or to check any official customer portal they may offer.
3. Can I use a non-network garage with RAK car insurance?
You can, but you will almost certainly have to follow the reimbursement process. More importantly, you must get prior approval from RAK Insurance for the repairs and estimates before any work begins to ensure you will be reimbursed.
4. What expenses are not covered at RAK cashless garages?
Your policy excess (deductible) is always your responsibility. Additionally, the cost of any parts not covered by your policy, consumables, or any repairs deemed as general maintenance will not be covered at the centers on the RAK cashless garages list.
5. Do I need prior approval to use a cashless garage for repairs?
Yes, absolutely. You must contact RAK Insurance to report the claim and get initial approval and guidance to a network garage to activate the cashless process.
6. How often is the RAK car insurance garage list updated?
The RAK garages list network is reviewed and updated periodically, sometimes annually or as partnerships change. This is exactly why it’s so important to verify the list at the time of your claim, rather than relying on an old list.
