Which areas of the UAE does she cover?

Clients across all Emirates in the UAE, including Dubai, Abu Dhabi, Sharjah, Ajman, Ras Al Khaimah, Fujairah and Umm Al Quwain.

How do I get an insurance quote?

Send a few details about what you'd like insured over WhatsApp or email, and Shamna will respond with compared options and pricing with no obligation.

What documents are needed for a policy?

Usually an Emirates ID or passport copy. Car insurance also needs vehicle registration, renewals need the current policy, and business cover needs a trade licence.

How much insurance experience does she have?

6 years of international insurance experience plus 4 years working in the UAE market, currently as Senior Insurance Officer at Gargash Insurance Services LLC.

Senior Insurance Officer · Gargash Insurance Services LLC

UAE insurance cover, matched to what you, your family and your business actually need.

Car · Health · Travel · Home & Pet · Life · Business

I'm a Senior Insurance Officer with Gargash Insurance Services LLC, with 6 years of international insurance experience and 4 years in the UAE market. I help individuals, families, SMEs and corporates across the country compare real options across our panel of insurers and choose the policy that actually fits — with plain-English explanations, honest recommendations, and support that continues well after you sign.

Request a quote See what I cover

Senior Insurance OfficerMy role at Gargash

Dubai, Sharjah, Abu Dhabi +Areas served

Multi-insurerOptions compared for you

Your Advisor

Insurance, PersonallyGargash Insurance Services LLC

Shamna Ponnath Valappil

Senior Insurance Officer

CompanyGargash Insurance Services LLC

CoversAll Emirates, UAE

ReachCall · WhatsApp · Email

Connect on LinkedIn

What I can arrange for you

One point of contact for everything you need covered.

Whether it's your car, your family's health, or your business, I put together the options and handle the paperwork — you just tell me what matters most to you.

Car Insurance

Third-party or comprehensive cover, compared across insurers
Agency repair option for new/premium vehicles
Roadside assistance & personal accident add-ons

Health Insurance

Individual & family plans meeting UAE mandatory cover
Matched to your preferred hospitals & network
Maternity, dental & optical add-ons available

Travel Insurance

Single-trip or annual multi-trip plans
Covers holidays, business travel & Umrah/Hajj
Medical emergency & baggage/delay cover

Home & Pet Insurance

Contents & building cover for apartments and villas
Pet health & third-party liability plans
Options for tenants and owners alike

Life & Savings

Life protection & critical illness cover
Structured savings/investment plans
Long-term security planning for your family

Business & Corporate

Employee benefits, group medical & liability cover
Contractors All Risk (CAR) & Workmen's Compensation (WC)
Property, marine/transit & professional indemnity
Suited to startups, freezone SMEs & large corporates

Why work with me directly

You get one advisor who follows your file, not a queue number.

Options, compared honestly

I lay out real quotes side by side so you can see the trade-offs — coverage, price and service — before you decide.

Plain-English explanations

No jargon dumped on you. I explain what a clause actually means for you, in the language you're comfortable in.

Support after you sign

Policy questions, renewals and claims guidance don't stop once the paperwork is done — I stay reachable.

Built around your schedule

Quick answers over WhatsApp, calls when you need them, and paperwork handled without you chasing anyone.

A common question

Why use a broker instead of going straight to an insurer?

Going direct

You only see that one insurer's plans and pricing
You compare on your own, across multiple insurer websites and calls
If a claim gets complicated, you're navigating it alone

Working with a broker

I compare real quotes from multiple insurers on Gargash's panel, on your behalf
You get one advisor explaining the trade-offs in plain English
Support continues through renewals and claims — not just the sale

How it works

From first message to an active policy.

Tell me what you need

A quick call or WhatsApp message about what you're insuring and what matters most to you.

I compare the options

You receive a clear comparison of suitable plans — not just one company's default.

You choose, I handle the rest

Once you decide, I take care of the paperwork and activation from end to end.

Ongoing support

Renewals, changes and claims guidance — you keep the same point of contact throughout.

Common questions

Frequently asked questions

What insurance services do you offer?

Car, Health, Travel, Home & Pet, Life & Savings, and Business & Corporate insurance — comparing options across insurers on Gargash Insurance Services LLC's panel so you can pick what fits best.

Which areas of the UAE do you cover?

Clients across all Emirates — Dubai, Abu Dhabi, Sharjah, Ajman, Ras Al Khaimah, Fujairah and Umm Al Quwain.

How do I get a quote?

Send a few details about what you'd like insured over WhatsApp or email, and I'll come back with compared options and pricing — no obligation.

What documents do I need?

Usually your Emirates ID or passport copy. Car insurance needs vehicle registration, renewals need your current policy, and business cover needs a trade licence.

How much experience do you have?

6 years of international insurance experience plus 4 years in the UAE market, currently as Senior Insurance Officer at Gargash Insurance Services LLC.

Do you help with renewals and claims?

Yes — send your current policy details ahead of renewal and I'll check for a better option, and if you ever need to file a claim I'll guide you through the process.

Get in touch

Let's find the right cover for you.

Share a few details about what you'd like insured, and I'll come back with options and a clear recommendation — no pressure, no obligation.

Call+971 58 530 9676 WhatsAppMessage me directly EmailSales@insurewithshamna.com Gargash Emailshamna.v@gargashinsurance.com

Good to have ready

Emirates ID / passport copy
Vehicle registration (for car insurance)
Current policy, if renewing
Preferred hospitals (for health cover)
Trade licence (for business insurance)

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How did you hear about us?

Shamna Ponnath Valappil is a Senior Insurance Officer with Gargash Insurance Services LLC, a UAE-based insurance broker. Quotes are subject to underwriting approval by the relevant insurer(s); final terms, premiums and coverage are confirmed at the time of policy issuance.