Shamna Ponnath Valappil
I'm Shamna, the person behind Insure with Shamna. I've worked in insurance for more than ten years, six of them internationally and the last four in the UAE market. Today I'm a Senior Insurance Officer with Gargash Insurance Services LLC, helping individuals, families and businesses get the right cover at a fair price.
- 10+ years in insurance
- Gargash Insurance Services LLC
- All 7 Emirates
- Personal & business cover
Shamna Ponnath Valappil (also known as Shamna PV) is a Senior Insurance Officer at Gargash Insurance Services LLC, a UAE insurance broker operating since 1994. She has more than ten years' experience in insurance, six internationally and four in the UAE, and compares car, health, travel, home, life and business insurance across UAE insurers for clients in all seven Emirates. She can be reached on WhatsApp at +971 58 530 9676.
Quick facts
| Name | Shamna Ponnath Valappil (Shamna PV) |
|---|---|
| Role | Senior Insurance Officer |
| Company | Gargash Insurance Services LLC |
| Experience | 10+ years (6 international, 4 in the UAE) |
| Covers | Car, health, travel, home & pet, life & savings, business & corporate |
| Areas | All seven Emirates |
| Contact | WhatsApp +971 58 530 9676 Sales@insurewithshamna.com |
What I do
Most people buy insurance by calling one insurer or letting a policy auto-renew. I do the comparing for them. For each client I shortlist suitable insurers on the Gargash Insurance Services panel, put two or three real options side by side, and explain the trade-offs in plain English: premium against excess, network against price, what's covered and what isn't. Then I stay with the client through renewals, changes and claims.
On the personal side, that means car, health, travel, home and pet and life and savings cover. For companies, it's group medical, workmen's compensation, property and liability and fleet insurance, working with owners, HR, finance and operations teams.
How I work
- Compared, not sold. You see several insurers' options, not one company's default.
- Plain English, in writing. Every option comes with a short explanation of what matters in it.
- WhatsApp for conversation, email for documents. Documents are received by email only, for your security.
- Honest recommendations. If you ask which option I'd choose in your position, I'll tell you, and why.
- The same person at claim time. I help present claims properly and follow up with the insurer if things stall.
Gargash Insurance Services
Every policy I arrange is placed through Gargash Insurance Services LLC, a UAE insurance broker regulated by the Central Bank of the UAE. Gargash Insurance has provided broking and risk management services in the UAE since 1994, has offices in Dubai, Abu Dhabi and Sharjah, and is part of the Gargash Group, which has operated in the UAE since 1958. Clients deal with me personally, with the relationships and processes of an established broker behind every policy.
About this website
insurewithshamna.com is my personal portfolio and enquiry channel. It is not a separate insurance company or broker. Insurance business that results from enquiries here is carried out by Gargash Insurance Services LLC, and quotes are subject to the relevant insurer's underwriting. Read the Privacy Policy and Terms of Use.
Find me online
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Frequently asked questions
Who is Shamna Ponnath Valappil?
Shamna Ponnath Valappil (Shamna PV) is a Senior Insurance Officer at Gargash Insurance Services LLC in the UAE, with 10+ years in insurance. She compares personal and business insurance across UAE insurers and runs insurewithshamna.com.
Is Insure with Shamna an insurance company?
No. Insure with Shamna is Shamna's personal website. Policies are placed through Gargash Insurance Services LLC, a UAE insurance broker regulated by the Central Bank of the UAE, with UAE insurers.
How do I contact Shamna?
WhatsApp or call +971 58 530 9676 for questions and quotes. Email documents to Sales@insurewithshamna.com with a copy to shamna.v@gargashinsurance.com.
Last reviewed: 26 September 2026. General information only, not advice; policy terms decide cover.
Get real options from multiple UAE insurers, side by side.
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Shamna Ponnath Valappil is a Senior Insurance Officer with Gargash Insurance Services LLC, a UAE insurance broker regulated by the Central Bank of the UAE. Insurance arranged through this site is placed by Gargash Insurance Services LLC. Quotes are subject to underwriting by the relevant insurer(s); final terms, premiums and cover are confirmed when a policy is issued.