The right cover, compared across insurers and explained in plain English.
I'm Shamna. For 10+ 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 bring you real options from multiple UAE insurers, side by side, and stay with you through renewals and claims, all on WhatsApp.
- Free & no obligation
- 60-second request
- All 7 Emirates
- Chat on WhatsApp
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 personally and shortlist suitable insurers.
- You'll get compared options on WhatsApp, usually the same working day.
- You choose, 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: Sales@insurewithshamna.com · Cc: shamna.v@gargashinsurance.com · Subject: your reference number
Questions in the meantime? Chat with me on WhatsAppHave a policy already?
Tell me which month it expires and I'll remind you about 30 days before, so you never auto-renew blind.
A personal advisor, with an established UAE broker behind every policy.
Buying insurance direct means seeing one company's prices. A call centre means a new voice every time. You get neither with me.
Real options, not one insurer's default
I compare quotes from multiple insurers on Gargash Insurance Services' panel and show you the trade-offs side by side: premium, cover limits, excess, network and exclusions.
Backed by Gargash Insurance Services
You deal with me personally. Every policy is placed through Gargash Insurance Services LLC, a UAE insurance broker, with its insurer relationships and processes behind it.
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'll point them out before you sign.
Plain English, in writing
Deductibles, co-pay, agency repair, waiting periods: each one explained in a line, so you can decide in minutes instead of reading 40 pages.
Fast, on the app you already use
Questions, quotes and updates all happen on WhatsApp, and documents go securely by email. Compared options usually come back the same working day, with no office visit needed.
Still here at renewal and claim time
A reminder before your policy expires and a named person to guide you if you ever need to claim. Same advisor, every year.
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 for new and 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 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
- Life protection & critical illness cover
- Structured savings and education plans
- Long-term security planning for your family
From first message to active policy, mostly on WhatsApp.
Tell me what you need
60 seconds on the form above, or a quick WhatsApp message. Documents follow by email.
I compare the options
You receive 2–3 suitable plans side by side, not one company's default.
You choose, I handle the rest
Paperwork, payment link and policy documents, handled end to end.
Ongoing support
Renewal reminders, changes and claims guidance from the same person.
Why use a broker instead of going straight to an insurer?
- You only see that one insurer's plans and pricing
- You compare on your own, across multiple websites and calls
- If a claim gets complicated, you're navigating it alone
- I compare real quotes from multiple insurers on Gargash's panel, for you
- One advisor explains the trade-offs in plain English
- Support continues through renewals and claims, not just the sale
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?
Getting compared quotes from me costs you nothing and carries no obligation. Premiums are set by each insurer, and you'll see the full price and exactly what's included, in writing, before you pay anything. 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. You decide. If you ask, I'll tell you honestly which one I'd choose in your position and why.
What happens when I actually need to make a claim?
You message 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. After that, we talk on WhatsApp: your questions, your compared options and your confirmation. Documents go by email to Sales@insurewithshamna.com (copy 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. Read the Privacy Policy for full details 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 Sales@insurewithshamna.com with a copy 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, so you renew or switch with the facts in front of you.
Message me on WhatsApp. You'll get me, not a queue.
Quick question, renewal check, or a claim you need help with? WhatsApp is where we talk. Documents come by email.
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 Sales@insurewithshamna.com with a copy to shamna.v@gargashinsurance.com, and put your reference number in the subject.
Start My Free ComparisonShamna 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.