The right cover, compared across insurers and explained in plain English.
I'm Shamna. For more than ten years I've helped people and businesses get insurance right. Tell me what you need to protect: your car, your family's health, your home or your business. I'll put two or three options from different insurers side by side, recommend the one that fits and tell you why, in writing. Then I stay with you at renewal and claim time.
- No fee, no obligation
- 60-second request
- All 7 Emirates
- Recommendation in writing
- UAE broker since 1994
- Licensed & supervised by the Central Bank of the UAE
- You pay the insurer directly
Tell me what you need. I'll do the comparing.
Three quick steps, mostly taps. No documents needed yet, and no obligation to buy.
Thank you. Your request is with me.
- I'll review it myself and shortlist suitable insurers.
- I'll call you, usually the same working day, and email your compared options with my recommendation.
- You choose and pay the insurer directly, and I handle the paperwork from there.
Want your quote faster? Email your documents now
For your security, documents are received by email only, never on WhatsApp. Send clear copies of:
To: shamna.v@gargashinsurance.com · Subject: your reference number
Questions in the meantime? Call me on +971 58 530 9676Have a policy already?
Tell me which month it expires and I'll get in touch about 30 days before, so you can compare before it auto-renews.
One person who knows your file, with a licensed UAE broker behind every policy.
Buying direct means seeing one company's prices. A call centre means a new voice every time. With me you get a comparison, a recommendation in writing, and the same person next year.
Real options, not one insurer's default
I compare quotes from insurers Gargash Insurance Services works with and set out the trade-offs side by side: premium, cover limits, excess, network and exclusions.
A licensed broker behind every policy
You deal with me personally. Every policy is placed through Gargash Insurance Services LLC, a UAE broker since 1994, licensed and supervised by the Central Bank of the UAE.
10+ years of know-how
Six years in international insurance and four in the UAE market. I know which clauses cause surprises at claim time, and I point them out before you sign.
Plain English, in writing
Excess, co-pay, agency repair, waiting periods: each one explained in a line, plus my recommendation and the reasons for it, so you can decide without reading 40 pages.
Fast, without the back-and-forth
One short call, then your options by email, usually the same working day for personal cover. Documents go securely by email, and most clients never need an office visit.
Still here at renewal and claim time
A reminder before your policy expires, and the same named person to guide you if you ever need to claim.
One point of contact for everything you need covered.
Personal cover for you and your family, and business cover from freezone start-ups to large corporates.
Car Insurance
- Comprehensive or third-party, compared across insurers
- Agency repair options for newer vehicles
- Roadside assistance & personal accident add-ons
Health Insurance
- Individual & family plans that meet UAE mandatory cover
- Matched to your preferred hospitals & network
- Maternity, dental & optical options
Travel Insurance
- Single-trip or annual multi-trip plans
- Schengen visa, 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, owners and landlords
Life & Savings
- Term life & critical illness cover
- Savings and education plans, with every charge explained
- Cover sized to what your family would need
From first request to active policy, without the back-and-forth.
Tell me what you need
60 seconds on the form above, or a quick call. Documents follow by email.
I compare the options
You receive 2–3 suitable plans side by side by email, with my recommendation and why.
You choose, I handle the rest
You pay the insurer directly through its own payment channel. I handle the paperwork and policy documents.
Ongoing support
Renewal reminders, mid-term changes and claims guidance from the same person.
Why use a broker instead of going straight to an insurer?
- You see one insurer's plans and prices
- You compare on your own, website by website
- You handle renewals and claims with the insurer yourself
- I compare quotes from several insurers Gargash works with, for you
- One named contact explains the trade-offs and recommends, in writing
- Support continues through renewals and claims, not just the sale
Going direct is often fine for simple cover you already understand. Read the full comparison.
Six things you should know before you start.
The Central Bank of the UAE expects brokers to be clear about these. I'd rather tell you up front.
Who you deal with
I'm a Senior Insurance Officer employed by Gargash Insurance Services LLC, an insurance broker licensed and supervised by the Central Bank of the UAE.
Which insurers I compare
Insurers Gargash Insurance Services has agreements with. That's a range of UAE-licensed insurers, not every insurer in the market, and I'll tell you which ones I approached.
How I'm paid
There's no fee to you for quotes. Gargash Insurance Services receives commission from the insurer whose policy you choose. Ask me and I'll explain how it works for your policy.
How you pay
Directly to the insurer, through the insurer's own payment channel. Brokers aren't allowed to collect premiums, so never pay cash or send money to an individual.
How we stay in touch
By phone and from my official email, shamna.v@gargashinsurance.com. WhatsApp is only for a quick hello or to book a call, never for quotes, documents, payments or claims.
If something goes wrong
Email me or contact Gargash Insurance Services and you'll get a response within two business days. If a complaint about an insurer isn't resolved, you can take it to Sanadak, the UAE's financial ombudsman.
Plain-English answers for employers and families.
The questions people ask before they trust a broker.
Does using a broker cost me more than going direct to an insurer?
There's no fee for quotes and no obligation. Premiums are set by each insurer, and you'll see the full price and exactly what's included, in writing, before you decide. Gargash Insurance Services is paid commission by the insurer whose policy you choose, which is why there's no separate fee to you. The difference is that you see several insurers' options instead of one.
Will you just push the cheapest, or the most expensive, policy?
Neither. You'll get 2–3 options that fit what you asked for, with the trade-offs spelled out: for example, a lower premium against a higher excess, or a wider hospital network. I'll recommend the one that fits your needs best and explain why, in writing. The decision is always yours.
Can I just WhatsApp you?
For a quick hello or to book a call, yes. Under the Central Bank of the UAE's rules on instant messaging, quotes, policy details, documents, payments and claims can't be handled on WhatsApp, so those happen by phone and official email. It keeps your personal data protected.
How do I pay for a policy?
Directly to the insurer, through the insurer's own payment channel. Under Central Bank rules, brokers aren't allowed to collect premiums, so you'll never be asked to pay me personally or in cash.
What happens when I actually need to make a claim?
Call or email me. I'll tell you which documents the insurer needs, help you submit them correctly the first time, and follow up with the insurer if things stall. Claim decisions are made by the insurer under your policy terms. My job is to make sure your claim is presented properly and doesn't get lost.
I'm busy. How much time and paperwork will this take?
About 60 seconds to send your request here, then usually one short call. Your compared options come by email, and documents go by email to shamna.v@gargashinsurance.com, never on WhatsApp. Most clients never need an office visit.
Is my personal information safe with you?
Your details are used only to respond to your request and prepare quotes. They're shared only with Gargash Insurance Services LLC and the insurers needed to price your cover, and they're never sold. The Privacy Policy explains your rights under the UAE's data protection law (PDPL).
What documents will I need?
Usually your Emirates ID or passport copy. Car insurance also needs your driving licence and vehicle registration (Mulkiya), renewals need your current policy schedule, and business cover needs a trade licence. Please email them to shamna.v@gargashinsurance.com. For your security, documents are never accepted on WhatsApp.
Which Emirates do you cover?
All seven: Dubai, Abu Dhabi, Sharjah, Ajman, Ras Al Khaimah, Fujairah and Umm Al Quwain.
Can you check my renewal before it auto-renews?
Yes, and it's one of the most useful things I do. Email your current policy schedule 2–4 weeks before expiry and I'll compare it against current options. If staying with your current insurer is the better deal, I'll tell you.
Call me directly. You'll speak to me, not a call centre.
Quick question, renewal check, or a claim you need help with? Call or email me. WhatsApp works for a quick hello or to book a call.
Documents to email
- Emirates ID / passport copy
- Driving licence & vehicle registration (car)
- Current policy schedule, if renewing
- Preferred hospitals (health cover)
- Trade licence & employee list (business)
Email only, never WhatsApp: send to shamna.v@gargashinsurance.com and put your reference number in the subject.
Start My ComparisonShamna Ponnath Valappil is a Senior Insurance Officer employed by Gargash Insurance Services LLC, an insurance broker licensed and supervised by the Central Bank of the UAE. Insurance arranged through this site is placed by Gargash Insurance Services LLC with insurers it has agreements with (a limited range, not the whole market). Gargash Insurance Services is paid commission by the insurer; there is no fee to you for quotes. Premiums are paid directly to the insurer. Quotes are subject to underwriting by the relevant insurer(s); final terms, premiums and cover are confirmed when a policy is issued. General information only, not advice.