Insurance claims in the UAE can be complex, slow, and unfair. We step in as your professional advocate — securing the compensation you're rightfully owed, every time.
From minor disputes to major payouts — we handle all claim types across the UAE with expert precision.
"My insurance denied my claim, but Claims.ae turned it around in weeks. No lawyer could've done it better."
Join thousands of UAE residents who've won their insurance battles with Claims.ae
From vehicle accidents to denied health claims — we handle every type of insurance dispute across the UAE with expertise and dedication.
Comprehensive claim support across all insurance types, with a 95% success rate on disputed claims.
Free no-obligation consultation — we'll tell you exactly what you're entitled to.
Vehicle accidents, theft, or vandalism can lead to contentious insurance disputes. We meticulously assess your auto claim and pursue the full compensation you're due.
Being in a vehicle accident in the UAE is stressful enough. Dealing with an insurer who underpays, delays, or denies your claim on top of that is unacceptable. That's where we step in.
Our auto claims specialists have handled thousands of cases across Dubai, Abu Dhabi, Sharjah and beyond — from minor fender benders to total loss write-offs. We know every tactic insurers use and exactly how to counter them.
"My insurance denied my claim after my accident, but Claims.ae turned it around in weeks. They handled everything — I didn't need to make a single call."
Get a free assessment of your auto claim today — no commitment required.
Robust support for property damage and loss claims. We ensure your home claim is assessed fairly and settled to its full value — without the runaround.
When your home suffers damage — whether from flooding, fire, or theft — the last thing you need is an insurance company that drags its feet or undervalues your loss. We make sure that doesn't happen.
Our property claim specialists understand UAE home insurance policies inside out. We've helped homeowners and tenants across the Emirates recover the full value of their claims, including contents, structural damage, and temporary accommodation costs.
"After flooding damaged our apartment, the insurance company offered us a fraction of the repair cost. Claims.ae got us three times that amount."
Get a free, no-obligation review of your home insurance claim today.
Strategic solutions to protect your commercial interests. When your business faces a loss, we ensure your insurer honours its obligations — fully and promptly.
A business claim denied or underpaid can have devastating consequences — lost revenue, disrupted operations, and damaged reputation. We don't let that happen.
Our commercial claims specialists understand the unique complexity of business insurance in the UAE. We work swiftly to assess your loss, build your case, and negotiate aggressively with insurers.
"After a warehouse fire, our insurer tried to drastically undervalue our claim. Claims.ae recovered over three times the initial offer."
Speak with a commercial claims specialist today — free, confidential, no obligation.
Advocacy to secure your rightful medical coverage. When insurers deny, delay, or underpay health claims, we step in and fight for the treatment you've already paid for.
Health insurance in the UAE is mandatory — but that doesn't mean insurers always honour their obligations. Denied treatments, delayed reimbursements, and rejected pre-authorizations are all too common. We push back.
Our health claims advocates understand UAE insurance regulations and the obligations of every major provider. We challenge incorrect decisions, recover reimbursements, and ensure your policy delivers what it promised.
"My insurer denied a specialist surgery I needed urgently. Claims.ae overturned the decision in 4 days. I honestly don't know what I would have done without them."
We challenge denials, recover reimbursements, and ensure your policy delivers what it promised.
After 19 years as UAE insurance brokers, we saw firsthand how insurers delay, deny and underpay. We started Claims.ae in 2021 to fight back on your behalf.
With 19 years as UAE insurance brokers, we've seen the delays and rejections firsthand. We watched good people get shortchanged by the very policies they paid for — and we decided to do something about it.
In 2021, we launched Claims.ae with a single mission: cut through the chaos and bring real relief, one claim at a time. We're not lawyers. We're not a call centre. We're a team of specialists who know the UAE insurance landscape inside out.
From Dubai's busy roads to Abu Dhabi's quiet corners, if you're facing a claim challenge, we're here. Wherever you are in the Emirates, we've got you covered.
Get a free, no-obligation assessment of your claim today.
Everything you need to know about working with Claims.ae. Can't find your answer? Contact us directly.
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We take your privacy seriously. This policy explains how Claims.ae collects, uses, and protects your personal information.
Last updated: April 2025
When you use Claims.ae, we may collect the following types of personal information:
We use the information we collect solely to provide and improve our insurance claim advocacy services, including:
We will never sell your personal information to third parties or use it for purposes unrelated to your claim without your explicit consent.
We may share your information with insurance companies and adjusters as necessary to process your claim, legal representatives involved in your case, regulatory authorities where required by UAE law, and service providers who assist in our operations under strict confidentiality agreements.
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These include encrypted data transmission, secure storage systems, and restricted staff access on a need-to-know basis.
Under UAE data protection regulations, you have the right to access the personal information we hold about you, request correction of any inaccurate data, request deletion of your personal data, and withdraw consent at any time. To exercise any of these rights, please contact us at info@claims.ae
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Expert advice to help UAE residents navigate insurance claims, know their rights, and get the maximum payout.
From the moment of impact to filing your claim — the exact steps that protect your rights and maximise your payout.
A rejection is not the end. Understand why claims get denied and the official steps to challenge a wrong decision.
Police reports are mandatory for most UAE insurance claims. Here's exactly how to obtain one quickly and avoid common mistakes.
A plain-English breakdown of what each policy covers, what it doesn't, and which makes financial sense for your situation.
Every claim type has a different timeline. Know what's normal, what's a delay, and when to escalate.
Contents, temporary accommodation, structural damage — most homeowners unknowingly leave money on the table.
Being in a car accident in the UAE is stressful enough without having to guess the right next steps. What you do in the first 30 minutes directly affects whether your insurance claim succeeds — and how much you recover.
If your vehicle is drivable and no one is seriously injured, move to the side of the road immediately and turn on your hazard lights. This is both a legal requirement and a safety necessity — accidents that block traffic in the UAE can result in secondary collisions. If anyone is injured, do not move them unless there is immediate danger. Call an ambulance on 998 before calling police.
In the UAE, a police report is legally required for all insurance claims involving vehicle damage. Without it, your insurer will not process the claim. Call 999 for Dubai Police or Abu Dhabi Police. Do not agree to settle privately with the other driver — even if they offer cash. If you skip the police report and later discover hidden damage or injury, you have no legal recourse.
Take photos of both vehicles from every angle, close-up damage shots, all licence plates, road layout, skid marks, nearby road signs and signals. Do this before police arrive and before any vehicles are moved. It takes two minutes and could be worth thousands of dirhams in your claim.
Collect the other driver's full name, phone number, vehicle plate number, and insurance company. Do not say "I'm sorry" or discuss who was at fault — even a casual apology can be used against you. Simply exchange information and let the police and insurers determine liability.
You will receive a report reference number at the scene. The full report is available within 24–72 hours from the relevant traffic department. This document is the foundation of your entire insurance claim — do not lose it.
Most UAE policies require you to report incidents promptly as a condition of coverage. Waiting more than 48 hours gives insurers grounds to reduce or deny your claim. Notify them even before you have the full police report — you can submit it later.
Save all receipts: car rental, transport, medical bills, prescriptions. These can all be included in your claim. Keep every written communication from your insurer — it matters if a dispute arises later.
A claim rejection from your insurer is not necessarily final. In the UAE, you have clearly defined legal rights to challenge incorrect or unfair decisions — and insurers know it. Here is the exact process to follow.
The most common rejection grounds are: alleged non-disclosure of material facts at the time of taking the policy, late notification of the incident, a claimed policy exclusion, suspected fraud, documentation gaps such as a missing police report, and exceeding policy limits. Understanding which category applies to your case is the first step to challenging it.
Your insurer must specify the exact clause or regulation supporting their decision. Read every word and note the specific policy section they cite. Then pull out your actual policy document and read that section yourself. Insurers sometimes misapply clauses or cite exclusions that do not actually apply to your circumstances.
If the rejection letter is vague, write to your insurer formally requesting the specific policy clause and factual basis for their decision. They are obligated to provide this. Keep copies of all correspondence — these become evidence if you escalate.
Every UAE-regulated insurer must maintain a formal complaints process under Central Bank supervision. Submit a written complaint to their complaints department referencing your claim number, the rejection reason, and precisely why you believe the rejection is incorrect. Set a deadline of 15 business days for their response.
If the insurer does not resolve your complaint satisfactorily within 30 days, escalate to the Central Bank of the UAE Insurance Supervision Sector at cbuae.gov.ae. They regulate all licensed insurers in the UAE and can compel a resolution. Most insurers take CBUAE complaints very seriously — many disputes are resolved the moment escalation is threatened.
Claims advocates specialise in exactly this situation. We know which rejection grounds are contestable, which policy wordings are ambiguous in your favour, and how to build a case that stands up. Most disputes are resolved without any court action. At Claims.ae we operate on a no win, no fee basis — if we do not recover for you, you pay nothing.
Do not verbally agree with the insurer's position during calls. Do not sign anything the insurer sends you without having it reviewed. Do not miss the limitation period for disputes — in the UAE this is generally three years from the date of the incident, but acting quickly is always better.
A police report is the single most important document for any insurance claim in the UAE. Most insurers will not process a claim without one. Here is exactly how to obtain it — and what to do if you missed getting one at the scene.
UAE insurance regulations require independent police confirmation of any incident involving property damage, personal injury, or theft. The report establishes the facts independently and protects both parties. Without it, your insurer has a valid technical ground to reject your claim regardless of how strong your case otherwise is.
Call 999 immediately after any accident. Officers will attend and issue a report reference number at the scene. In Dubai, minor accidents with no injuries can also be reported via the Dubai Police App — this is faster and avoids waiting at the roadside. In Abu Dhabi, use the ADPOLIS app for the same purpose.
Your report reference number is issued at the scene. The full typed report is typically available within 24–72 hours. Collect it from:
Bring your Emirates ID and the report reference number. The process usually takes under 30 minutes in person.
Report vehicle theft or break-in to the nearest police station or via the smart app within 24 hours of discovering it. Do not wait even if you think the vehicle might turn up. Insurers look at the timestamp between the discovery and your police report — long delays raise questions.
Go to the traffic department as soon as possible — take your Emirates ID, driving licence, and vehicle registration card — and explain the situation to the officer. A late report can sometimes still be filed. However, expect your insurer to question the timing. This is a situation where having a professional advocate helps significantly — we know how to present late documentation in the strongest possible light.
Moving vehicles before police arrive and photographing, accepting the other driver's offer to "sort it out privately," waiting more than 24 hours to file a theft report, submitting your claim without the police report attached, and failing to follow up to collect the full typed report when only the reference number was provided at the scene.
Choosing between comprehensive and third party insurance in the UAE is one of the most important financial decisions car owners make. The difference in what each covers — and what it costs you when something goes wrong — is enormous.
Third party insurance is the legal minimum required to drive in the UAE. It covers damage or injury you cause to other people and their property in an accident where you are at fault. It does not cover any damage to your own vehicle, regardless of how the accident happened. If another driver hits you and is uninsured or cannot be traced, third party insurance also does not protect you.
Comprehensive insurance covers everything third party does, plus damage to your own vehicle regardless of fault, theft of your vehicle, damage from fire, flood, or natural disasters, vandalism and malicious damage, and in most policies — a replacement car while yours is being repaired. For at-fault accidents, you typically pay an excess (usually AED 500–1,000 for standard damage, higher for total loss) and the insurer covers the rest.
Comprehensive insurance in the UAE typically costs 2–3% of your vehicle's value annually. On a vehicle worth AED 80,000, that is AED 1,600–2,400 per year. Third party runs AED 600–900 per year for most vehicles. The question is simple: can you afford to lose AED 80,000 to save AED 1,500 per year?
Third party can be a rational choice if your vehicle is very old (10+ years) and its market value is low, if you own the vehicle outright with no finance, and if you have sufficient savings to replace the vehicle if it is written off. For a vehicle worth AED 10,000–15,000, paying AED 300–450 annually in comprehensive premium to protect it is a borderline case.
Comprehensive is almost always the right choice if your vehicle is worth more than AED 30,000, if you have outstanding finance on the vehicle (most lenders require it anyway), if you use your vehicle daily for commuting, if you park in high-traffic areas or on the street, or if you cannot easily replace the vehicle from savings. It is also the only policy that covers you fully in a hit-and-run scenario.
Comprehensive policies vary significantly between insurers. Some include agency repair (your manufacturer's service centre), others use approved independent garages. Some include GCC coverage for travel outside the UAE. Always read what is specifically included before buying — the cheapest comprehensive policy is often cheap because it excludes the things that matter most.
Even with comprehensive cover, insurers sometimes dispute repair estimates, declare total loss at a lower value than your vehicle is worth, or use delays to pressure you into accepting less. These are exactly the situations where Claims.ae steps in — we know the valuation methods, we know the regulations, and we push for the number you are actually entitled to.
One of the most common questions we hear is: how long should my claim take? The answer depends on the claim type, your insurer, and whether everything goes smoothly. Here are the realistic timelines — and the warning signs that something is wrong.
Home insurance claims typically take 3–8 weeks for straightforward cases — water damage, break-ins, and contents theft. Complex structural damage claims can take 3–6 months because they require independent assessors, contractor quotes, and often dispute resolution over reinstatement values. Total loss claims for severe fire or flood damage can extend beyond 6 months when valuations are contested.
Reimbursement claims — where you paid out of pocket and are seeking recovery — should typically be processed within 15–30 days of submitting complete documentation. Pre-authorisation appeals should receive a decision within 3–5 business days under CBUAE guidelines. If you are waiting longer, the insurer may be breaching their regulatory obligations.
Business interruption and commercial property claims are the most complex and routinely take 2–6 months for straightforward cases. Large losses can take over a year. The key driver of delay is the loss quantification process — how much revenue did you actually lose? Having a professional advocate manage this from the start dramatically reduces timeline.
Insurers occasionally use delays as a negotiation tactic — hoping you will accept a lower settlement to end the wait. Watch out for: repeated requests for documents you have already submitted, assessors who do not attend scheduled appointments, vague responses that do not give clear next steps, decisions that are always "under review" without a defined completion date, and offers that arrive just before a statutory deadline.
Send a formal written notice to your insurer setting a specific deadline — 10 business days — for a decision or update. State that failure to respond will result in a formal CBUAE complaint. If that produces no result, file the complaint. Alternatively, contact Claims.ae — we have experience moving stalled claims forward quickly because insurers know we will escalate if they do not.
Home insurance claims in the UAE are consistently underpaid — not because of fraud, but because most homeowners simply do not know everything they are entitled to claim. Here is what the policies actually cover that most people never claim.
Most homeowners who file a claim focus only on the obvious — the burst pipe, the stolen laptop, the fire damage to the kitchen. They overlook temporary accommodation costs while the property is uninhabitable, loss of rent if they are a landlord and tenants cannot occupy the property, alternative storage costs for belongings removed during repair works, and professional fees for surveyors, architects or legal advice directly related to the claim.
Contents policies typically pay either the replacement value (what it costs to buy the same item new today) or the indemnity value (replacement cost minus depreciation for age and wear). Know which one you have. Indemnity value policies will pay significantly less for older items. If your policy is indemnity-based and your insurer is valuing a 5-year-old television at AED 400, that is likely correct — but if it is a replacement value policy, you are entitled to the current new price.
The biggest reason home claims are underpaid is incomplete documentation. Walk through every room after the incident and list every damaged or stolen item. Do not rely on memory when speaking to the insurer's assessor in person — people consistently forget items under pressure. For electronics, note the brand, model, and approximate purchase date. For jewellery, pull out any valuations, receipts, or insurance schedules.
When structural damage occurs, the single biggest dispute is usually the reinstatement value — what it actually costs to put the property back to its original condition. Insurers use their own assessors who have an incentive to estimate low. You are entitled to get your own independent quote. If the gap between the two figures is significant, negotiation or formal dispute resolution is the right path.
If you own the property and rent it out, ensure your policy covers loss of rent during uninhabitable periods. This is not standard in all policies — it must be explicitly included. Also ensure the policy covers damage caused by tenants and not just external events. In the UAE, tenant-caused damage is a more common claim than most landlords expect.
Watch for insurers claiming that damage is "gradual deterioration" rather than a sudden event — this is used to deny water damage claims where a slow leak eventually causes significant damage. Watch also for exclusions around maintenance failures ("you should have fixed the ageing pipe"), acts of negligence, and storm damage in properties with flat roofs that the insurer argues should have been maintained differently.
The difference between what a homeowner claims on their own and what they recover with professional advocacy is often significant. We review your policy, identify everything you are entitled to, document it properly, and negotiate a fair settlement. At Claims.ae, we handle home claims of all sizes across the UAE — from apartment flood damage to total loss villa fires.
