Online insurance has made it easier for UAE residents to compare quotations and purchase motor or health insurance. The growing use of Instagram, Facebook, WhatsApp, Google advertisements and classified websites has also created opportunities for fraudsters to promote fake insurance quotations.
Scammers may impersonate genuine insurance companies or licensed insurance brokers by copying their names, logos, quotation formats and policy documents. They commonly attract customers by offering extremely cheap motor insurance or health insurance and promising immediate policy issuance.
In June 2026, Dubai Police warned residents about fraudulent online offers claiming to provide instant motor and health insurance at unusually low prices. Customers were encouraged to transfer money before confirming whether the seller or insurance offer was genuine.
At New Shield Insurance Brokers LLC, we encourage customers to verify every insurance quotation and payment request before sharing personal documents or transferring funds.
A fake insurance quotation is a fraudulent offer created to make customers believe that they are purchasing a valid insurance policy. The document may include:
However, the quotation may not have been issued or approved by the insurance company mentioned in the document.
A quotation is also not the same as an active insurance policy. Insurance coverage normally begins only after the insurer accepts the risk, receives the required payment and officially issues the policy.
Fraudsters often advertise cheap insurance through:
The fraudster may contact the customer directly and request Emirates ID details, vehicle registration documents, passport copies or medical information.
After sending an attractive quotation, the scammer may pressure the customer to make immediate payment by claiming that the discount is available only for a limited time.
Once the payment is completed, the customer may receive a fake document or the fraudster may stop responding entirely.
The customer may receive a professional-looking insurance document containing policy numbers, stamps and signatures.
However, the policy may not exist in the insurer's official system and may provide no insurance protection.
Fraudsters may obtain a genuine policy issued to someone else and edit details such as customer name, Emirates ID number, vehicle information, policy dates and premium amount.
Although the document may look genuine, the altered policy is invalid.
A quotation only provides proposed insurance terms and pricing. It is not proof that the insurer has accepted the risk or activated the coverage.
Customers should never assume that they are insured simply because they have received a quotation or payment confirmation.
The customer may receive a certificate that appears authentic but is not registered or recognised by the insurance company.
The problem may only become visible when the customer attempts to:
Fraudsters often attract victims by offering motor or medical insurance at prices significantly below the normal UAE insurance market. Insurance premiums are calculated based on factors such as:
An unusually cheap quotation should always be verified independently.
Be cautious when the seller pressures you by claiming:
A genuine insurance broker should give you sufficient time to understand the quotation and verify the payment details.
Never transfer insurance premiums to an unrelated personal bank account without proper verification. Be cautious when payment is requested through:
Before paying, verify the beneficiary name and payment instructions with the insurance company or licensed insurance broker.
Many legitimate businesses use WhatsApp for customer support. However, a WhatsApp profile picture or business logo does not prove that the person is authorised to sell insurance. Customers should also verify:
Fraudsters may create email addresses that closely resemble the official address of an insurance company or broker. Check carefully for:
Always compare the email address against the contact information published on the company's official website.
A genuine insurance company or broker should not object when you ask to confirm the quotation directly with the insurer. Treat the offer as suspicious if the seller discourages you from:
Insurance should be purchased only through an authorised insurance company or licensed insurance broker operating in the UAE. Do not rely solely on a licence number shown in an advertisement or quotation. Verify the organisation through its official website and recognised regulatory channels.
Do not depend only on the mobile number, email address or website link provided in an advertisement. Search for the company's official contact details independently and confirm:
Before making payment, ensure that the account or payment link belongs to the authorised insurance broker or insurance company. Do not proceed if the beneficiary name is unrelated to the company issuing the quotation.
Check whether the quotation correctly mentions:
Contact the broker immediately if any information is missing or incorrect.
After payment, request an official receipt from the authorised insurance company or broker. Keep copies of:
A quotation, invoice or payment proof does not automatically mean that the insurance policy has been activated. Request the final policy schedule, certificate and related documents. You may also contact the insurance company directly to verify that the policy is registered in its system.
A fake motor insurance policy may leave the vehicle completely uninsured. The customer may discover the fraud when:
Without valid motor insurance, the vehicle owner may become personally responsible for vehicle repairs, third-party property damage, bodily injury claims and other legal or financial liabilities.
A fake health insurance policy may be rejected by hospitals, clinics, pharmacies and medical networks. The customer may discover that the coverage is invalid only when medical treatment is required. This can result in:
Customers should always confirm that their health insurance policy and medical card are active before relying on the coverage.
Fake insurance sellers may also collect sensitive customer information, including:
This information may be used for identity theft, phishing, unauthorised account creation or additional financial scams.
Do not send sensitive documents until you have verified the company and the representative.
Do not delete WhatsApp conversations, emails or payment records, as they may be required as evidence.
New Shield Insurance Brokers LLC helps individuals, families and businesses compare insurance solutions from established insurance providers in the UAE. Our team assists customers with:
When purchasing insurance through New Shield Insurance Brokers, customers receive clear policy information, official payment instructions and professional support throughout the insurance process.
A low-cost insurance quotation can become an expensive mistake if the policy is fake or invalid. Before purchasing motor insurance or health insurance online in the UAE:
Never transfer money simply because an online advertisement promises instant insurance at an unusually low premium.
Our team can help you understand the quotation, compare suitable insurance options and complete the policy issuance process through authorised channels. Stay alert. Verify before paying. Protect yourself from fake insurance quotations.
Received an insurance quotation and unsure whether it is genuine? Contact New Shield Insurance Brokers LLC for professional assistance with motor, health and business insurance solutions in the UAE.