Let’s face it, dealing with car repairs after an accident can be a real headache. The last thing you want to do is start to figure out where to take your car, especially when you’re already dealing with the stress of the situation itself. If you have a policy with Oriental Insurance which is one of the top insurance companies in the UAE, you’ve made a solid choice for your coverage. But to really make your life easier when you need it most, knowing about their network garages is key.
That’s exactly why we’ve put together this guide. Think of it as your quick-reference manual for all things related to Oriental Insurance’s garage network. We’re going to walk you through what cashless repairs actually mean, show you the Oriental garage list, and explain exactly how to use it so you can get your car fixed and back on the road.
What is Oriental Cashless Garage?
In simple terms, it’s a way to get your car repaired without having to pay the repair shop upfront out of your own pocket.
Here’s how it’s supposed to work: if your car needs fixing after an accident you’re covered for, you take it to a garage that’s part of Oriental Insurance’s official network. The garage assesses the damage, sends the bill directly to Oriental Insurance, and once they get the approval, they start the work. You just might have to pay your policy’s deductible, and that’s often it. No large withdrawals, no waiting for reimbursements.
But this convenient option only works at garages that have a direct agreement with Oriental Insurance. You can’t just roll into any workshop and expect the cashless process to happen. That’s why having a current and accurate Oriental cashless garages list is so important. It’s your ticket to that smoother process.
Why Use Oriental Cashless Garages?
First and foremost, it’s about convenience. As we mentioned, you avoid the financial juggle of paying a huge bill upfront and then waiting to claim it back. But perhaps even more important is claim approval. When you use a network garage, you’re using a partner that Oriental Insurance already knows and trusts.
The garage understands the insurer’s requirements, how to properly document the damage, and what the approved repair procedures are. This significantly reduces the chance of any back-and-forth or disputes over the repair estimate, which can delay your claim or even lead to partial rejections. It basically streamlines the entire approval process, getting your car into the workshop faster.
Oriental Garages List in the UAE
Below is a table we’ve compiled with some of the garages in Oriental Insurance’s network across the UAE. This should give you a good starting point.
Quick tip: it’s always a smart move to call the garage directly before you head over, just to confirm they still have an active agreement with Oriental and can handle your specific car model.
| Garage Name | City/Emirate | Address | Phone Number |
| Advance Auto Repairing LLC | Dubai | 3 Street 17 – Al Quoz – Al Quoz Industrial Area 4 | +971 4 220 0900 |
| Al Amana | Sharjah | St. No.10, Behind Geco Complex – Maleha St | +971 50 628 4727 |
| Al Hamadi Auto (Hussain Al Hamadi Auto Maint) | Sharjah | 8CC2+5J6 – Al Nahdha – Industrial Area | +971 6 538 5002 |
| Al Naqbi Workshop | Abu Dhabi | Street 6 – Industrial Area | 03-7215117 / 050-6737123 |
| Al Rali Garage | Ras Al Khaimah | Al Rali Garage, Al Qussaidat | 050 647 4866 |
| Al Shaji Workshop (Al Shaji Auto Repair Workshop) | Fujairah | Al Hail Industrial Area | 09-2384937 / 050-7897420 |
| Al Zain Auto Workshop | Sharjah | 22 St – Industrial Areas – Industrial Area | 06-5326116 / 054-3874370 |
| Ame Auto Repairing LLC | Dubai | 29th Amman St – Al Qusais Ind. First | 04-5589905 / 054-7755331 |
| Autozone Garage (Autozone Motors Workshop) | Dubai | Umm Ramool | 04-2857121 / 050-4678332 |
| Bin Sandal Mechanical Station | Dubai | Al Sajaa Industrial – Emirates Industrial City | +971 6 533 4247 |
| Bright Moon Workshop (Bright Moon Auto Repair Workshop L.L.C.) | Abu Dhabi | Musaffah – M-17 | 02-5556031 / 055-9130279 |
| Carbon Garage | Ajman | Al Jerf Industrial 1 | 050-8419031 / 052-8777477 |
| Golden Workshop | Dubai | golden 24b – 44 9th St – Umm Ramool | 04-2858346 / 056-9926605 |
| Hamza Garage | Dubai | Al Qusais Ind. First | 04-2858575 / 050-3791347 |
| Hatta Auto Garage (Hatta Auto Workshop) | Sharjah | Al Nahdha – Industrial Area | 050-8183978 |
| K.M Garage | Dubai | Rashidiya | 04-2855099 / 055-1080924 |
| KM Garage (Abu Dhabi) | Abu Dhabi | Abu Dhabi | 02-6355433 / 050-7756948 |
| Lamsi Garage | Ras Al Khaimah | Al Araibi | 07-2212678 / 050-4861500 |
| Royal Cars Garage | Dubai | Al Qouz Ind.fourth | 04-3476658 / 052-9125395 |
How to Use the Oriental Car Insurance Garage List During a Claim
Knowing where the garages are is one thing, but knowing what to do with that information when you’re in a pinch is another. Let’s break down the typical process step-by-step, so you feel prepared.
- Safety First: Immediately after an accident, make sure everyone is safe. Move to a secure location if possible and call the police to file an official report. You will need this report for your insurance claim.
- Contact Oriental Insurance: Before you do anything with a garage, you need to inform Oriental Insurance about the accident. You can usually do this by calling their 24/7 hotline (+971 4 353 8688) or through their mobile app. Open a claim file.
- Choose a Garage: This is where your Oriental garages list comes in! Tell the Oriental Insurance claims advisor which city or area you’re in. They will guide you and confirm which network garage you can use for a cashless repair. You can also suggest one from the list you have.
- Get the Approval: Oriental will send a surveyor to the chosen network garage to inspect the damage and approve the repair estimate. This is a standard part of the process.
- Repairs Begin: Once the surveyor and Oriental give the green light, the garage will start fixing your car. You’ll likely need to sign some work authorization forms.
- Pick Up Your Car: When the work is done, the garage will inform you. You go to the garage, inspect the repairs, and if you’re happy, you pay any applicable deductible (like the excess on your policy). The garage handles the rest directly with Oriental Insurance.
Cashless vs Non-Cashless Repairs at Oriental Garages
Let’s make this crystal clear. Choosing a garage from the Oriental insurance garage list for a cashless repair is usually very different from going to a garage that’s not on their network. Here’s a quick comparison so you can see the distinction side-by-side.
| Feature | Cashless Repair (at Network Garage) | Non-Cashless Repair (at Non-Network Garage) |
| Upfront Payment | Usually not required. You pay only the deductible. | You pay the entire repair bill upfront from your own savings. |
| Claim Reimbursement | Not needed. Garage bills insurer directly. | You must file to get reimbursed by Oriental, which can take weeks. |
| Claim Process | Generally smoother and faster, as the garage knows the insurer’s process. | Can be more complex, with more paperwork and potential for estimated disputes. |
| Garage Choice | You must choose from the official Oriental garages list. | You can choose any garage you like, but it may delay or complicate your claim. |
| Convenience | High. Less financial and administrative burden on you. | Low. More responsibility is on you to manage payments and paperwork. |
Important Things to Check Before Choosing an Oriental Insurance Garage
Just because a garage is on a list doesn’t automatically mean it’s the perfect fit for your specific situation. Before you decide, it’s worth considering a couple of extra points.
Can They Handle Your Car?
Some garages specialize in certain brands or types of vehicles (like luxury cars, 4x4s, or trucks). The Royal Truck Workshop, for example, might be ideal for a pickup but not necessarily for a small sedan. When you call, just ask them plainly: “Do you regularly work on [Your Car Make and Model]?” It’s a simple question that can save you a lot of trouble.
Check Their Reputation Online
We all do it for restaurants and hotels. Do a quick check for your garage, too. A fast Google search of the garage name or a look at their Google Maps listing can show you reviews from other customers. Look for comments about quality of work, customer service, and specifically, their experience dealing with insurance claims. It only takes a minute and can give you real peace of mind.
Confirm Directly with Oriental
Network agreements can change. The most reliable way to know if a garage is still part of the Oriental cashless car insurance garage list is to ask Oriental Insurance directly when you report your claim. Give them the garage name, and they can confirm its current status in their system.
Frequently Answered Questions
1. Are all garages in the Oriental Insurance garage list cashless?
Typically, yes. The main purpose of an insurer’s official Oriental garage list is to identify partners where their cashless claim facility is active. However, it’s always best to confirm this with both the garage and Oriental when you file your claim, just to be 100% sure.
2. How can I check if a garage is still part of Oriental’s network?
The most up-to-date source is always Oriental Insurance themselves. Call their customer service or claims helpline.
3. Can I use a non-network garage with Oriental car insurance?
Yes, you often have the option to use a garage of your choice. But remember, this will almost certainly mean a non-cashless process. You’ll pay the full amount yourself and then submit the receipts to Oriental for reimbursement, which is subject to their assessment and approval of the costs.
4. What expenses are not covered at Oriental cashless garages?
The cashless facility covers the repair costs that are approved under your policy. It does not cover your policy excess (deductible), which you will have to pay. It also won’t cover any additional repairs or parts you request that are not related to the insured accident or that exceed the insurer’s approved estimate.
5. Do I need prior approval to use a cashless garage for repairs?
Absolutely, yes. You must contact Oriental Insurance to report the accident and get a claim number before proceeding with repairs at a network garage. Starting work without their approval can void the cashless facility.
6. How often is the Oriental car insurance garage list updated?
Insurance companies add and remove garage partners periodically based on contracts and service quality. There’s no fixed public schedule. While lists like the one we provided are helpful, you should always treat them as a guide and verify the current status at the time of your claim by contacting Oriental directly.
