Sukoon Insurance, the brand you might remember as Oman Insurance Company, is one of the longstanding car insurers operating in the United Arab Emirates (UAE). While some of its competitors focus on niche markets, Sukoon has built a broad network of approved workshops that serve drivers across all seven emirates.
In this article, we will explain what the Sukoon garages list is all about and why it matters for motorists with active car insurance in UAE. You’ll find details on Sukoon cashless garages, how they work and a step-by-step guide to filing a claim, and practical tips on choosing the right repair partner for your car.
What is a Sukoon Cashless Garage?
One of the most practical features offered by Sukoon’s car insurance plans is the ability to take your vehicle to a cashless garage rather than having to pay out of pocket and then wait for reimbursement.
A cashless garage is a workshop that Sukoon has approved on their Sukoon car insurance garage list and partnered with. If your car needs repair after an accident, and you take it to one of these garages, Sukoon will settle the repair bill directly with the workshop according to the terms of your policy. That means you may not need to pay large amounts upfront for covered repairs. This facility is especially helpful after an accident when you may already be under stress and handling multiple expenses.
Keep in mind: Only those listed on the Sukoon cashless car insurance garage list are eligible, and cashless services depend on the terms of your insurance, comprehensive vs third-party.
Benefits of Sukoon Car Insurance Cashless Garages
Choosing a cashless garage from Sukoon garages list has several benefits that make the post-accident experience much easier:
- Lower immediate costs: You typically won’t pay cash at the workshop for covered repairs; Sukoon settles the cost directly.
- Faster repair approval: Once the surveyor has inspected your car, the workshop usually gets the go-ahead quickly.
- Simplified documentation: Because the garage and insurer work together regularly, they know what forms and approvals are needed to process a claim.
- Quality assurance: Sukoon’s network garages are vetted to meet a minimum standard of service and repair quality.
It’s worth remembering that you still need to meet your policy obligations (like reporting the accident promptly and providing required documents) before cashless service can begin.
Sukoon Garages List
Below is a representative selection of workshops from the current Sukoon insurance garage list. This includes workshops across the UAE where customers can take their cars for repair under their policy.
| Garage Name | City / Emirate | Address | Phone Number |
| AG Cars Services | Abu Dhabi | 13th Street, M-37, Musaffah Industrial Area | +971 60 054 0045 |
| Emirates Transport | Abu Dhabi | Musaffah M-40, Opposite Three Star Gift | +971 02 201 9724 |
| Al Arabia Auto Services | Ajman | Al Jurf No. 1, Opposite International Indian School | +971 04 233 6547 |
| World Link Auto – KPG | Al Ain | Behind Nissan Al Masaood, Industrial Area, Al Ain | +971 03 721 8219 |
| AG Cars Services | Dubai (Al Quoz) | 26th Street, Al Quoz Industrial Area 4 | +971 60 054 0045 |
| AutoGlass | Dubai (Al Quoz) | Sheikh Zayed Road Times Square Service Road, Warehouse 4 | +971 04 380 6004 |
| Denso Auto Repairing | Dubai (Al Qusais) | 34th Aman Street, Al Qusais Industrial Area 5 | +971 04 288 8776 |
| Al Arabia Auto Services | Sharjah | Industrial Area No.17, Ardh Al Maahed | +971 06 574 1422 |
| Emirates Transport | Fujairah | Al Hayl, Near Traffic Department | +971 09 202 9154 |
| AG Cars Services | Ras Al Khaimah | Near Traffic Department | +971 60 054 0045 |
This Sukoon car insurance garage list is compiled from official network details that cover approved garages in UAE. Always call ahead to confirm current contact information and whether a workshop continues to be on Sukoon’s network.
How to File a Claim with Sukoon Car Insurance Cashless Garages
Filing a claim with workshops on the Sukoon cashless car insurance garage list typically follows these steps:
- Report the accident: Notify Sukoon as soon as reasonably practical after the accident. You can call the motor claims number or use the online portal.
- Police report / SAAED: Arrange for the official accident report from police or the UAE’s digital SAAED system. Because claim approval often depends on the accident report category, it’s a good idea to understand how to file UAE accident police report for insurance claims, especially in Dubai and Abu Dhabi.
- Choose a network garage: From the Sukoon cashless garages list, select a workshop convenient to you and inform Sukoon of your choice.
- Survey and approval: An authorised surveyor will inspect the car and agree on repair costs with the garage. Once approved, the garage can begin work.
- Repairs and pickup: After repairs are completed, you will be notified to collect your vehicle.
For cases where towing is needed, Sukoon also provides roadside assistance provided by the workshops on the Sukoon garages list. Always keep all documents handy and ensure the garage updates Sukoon on repair progress. This avoids delays in final approval.
Cashless vs Non-Cashless Repairs at Sukoon Garages
When you’re choosing where to repair your car, you’ll come across two broad options: cashless repairs at centers on the Sukoon cashless garages list and non-cashless repairs. Here’s how they differ:
| Aspect | Cashless Garage Repair | Non-Cashless Repair |
| Upfront payment | Normally none for covered items | You pay cash / card and claim later |
| Paperwork | Handled jointly between the garage and insurer | You handle documentation and claim yourself |
| Claim processing speed | Usually faster | May take longer for reimbursement |
| Quality assurance | Higher, as garage is vetted | Variable depending on workshop |
| Out-of-pocket expense | Lower (after deductible) | Higher until claim reimbursed |
Opting for a garage outside the Sukoon cashless car insurance garage list means you will likely have to pay for the entire repair cost first and then file a reimbursement claim with Sukoon. That can be practical in some cases (for example, if your nearest workshop on the Sukoon cashless garages list is far away), but it requires organised documentation and patience for claim settlement.
Important Things to Check Before Choosing a Sukoon Insurance Garage
Before deciding which garage to take your car to, make sure you consider these things:
1. Cashless Facility Confirmation
Always verify with the garage and with Sukoon that the workshop still offers cashless repair under your specific policy. Network status can change.
2. Repair Scope
Not every center on the Sukoon garages list can handle all types of vehicles or all degrees of damage. If your car has complex structural or luxury parts, check if the workshop has the equipment and expertise.
3. Estimated Time
Ask the garage how long repairs will take. Even within network garages, timelines can vary widely, especially if parts need to be ordered.
4. Policy Terms and Excess
Know your policy excess (the amount you pay before insurance pays). In some cases, it could be cheaper to choose a smaller repair outside the Sukoon cashless car insurance garage list for minor dents.
Note: Many people confuse deductibles with uncovered costs, so it helps to understand what is car insurance excess in the UAE before deciding whether to claim or pay for minor repairs privately.
5. Warranty on Repairs
Check if the network garage offers any workmanship warranty on repairs. Some do, and that can be a valuable benefit.
Frequently Answered Questions
1. Are all garages in the Sukoon insurance garage list cashless?
No, not always. Sukoon (the new name of Oman Insurance) has both cashless network garages and non-cashless/approved garages, depending on your policy type and location. Even if a garage appears in the Sukoon car insurance garage list, you should confirm whether your plan supports cashless settlement at that particular workshop before dropping the car off.
2. How can I check if a garage is still part of Sukoon’s network?
The safest method is to check directly through Sukoon’s official network/garage list page or call Sukoon customer support to confirm. Garages can be added or removed from the Sukoon cashless car insurance garage list over time, and in some cases the garage may still be approved but no longer offer cashless service for certain policy tiers.
3. Can I use a non-network garage with Sukoon car insurance?
Yes, but in most cases it will not be cashless. This usually means you’ll need to pay the garage yourself, then submit a reimbursement claim to Sukoon with invoices, photos, and supporting documents. Also, Sukoon may request inspection or approval first, so it’s best not to start repairs before confirming claim acceptance.
4. What expenses are not covered at Sukoon cashless garages?
Even at Sukoon cashless garages, some costs can still fall on the driver, such as:
Policy excess (deductible)
Repairs not linked to the accident (old dents/scratches)
Tyres, batteries, or wear-and-tear items (depending on policy)
Upgrades like tinting, custom parts, or non-standard accessories
Coverage always depends on your policy terms and the surveyor’s assessment.
5. Do I need prior approval to use a cashless garage for repairs?
Yes. Sukoon usually requires claim reporting and survey approval before work begins at a cashless garage.
6. Is Sukoon and Oman Insurance the same?
Yes. Sukoon is the new name of Oman Insurance Company. The company, licensing, and operations remain the same, but the brand name has changed. That’s why you may still see older references online mentioning “Oman Insurance garage list” even though the updated name is Sukoon.
