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.
10K+
Satisfied Clients
19+
Years Experience
Auto Insurance Claims→
Home Insurance Claims→
Health Insurance Claims→
Business Insurance Claims→
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No Win, No Fee
⚡
Fast Settlements
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100% Confidential
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Based in Dubai, UAE
★
5-Star Rated Service
Our Services
Coverage for every type of claim
From minor disputes to major payouts — we handle all claim types across the UAE with expert precision.
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Auto Insurance
From fender benders to total loss — police reports, workshop disputes, and insurer negotiations handled for you.
Learn more →
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Home Insurance
Flood, fire, theft or structural damage — we ensure your property claim is assessed fairly and settled promptly.
Learn more →
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Business Insurance
We protect your bottom line by managing liability, loss of income, and asset claims with speed and precision.
Learn more →
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Health Insurance
Denied treatments, reimbursement disputes — we advocate directly with insurers to recover your rightful benefits.
Learn more →
How It Works
Four simple steps to your settlement
1
Submit Your Claim
Fill out our simple form with your policy and incident details in under 5 minutes.
2
Free Assessment
Our specialists review your case and tell you exactly what you're entitled to claim.
3
We Negotiate
We engage your insurer directly — handling all paperwork, calls, and disputes for you.
4
You Get Paid
Receive the maximum payout you're entitled to, with zero stress on your end.
Why Claims.ae
Your strongest advocate in every dispute
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Comprehensive Claim Support
From initial assessment to final settlement, we manage every detail with precision and care.
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Skilled Negotiation
Our team engages insurance providers directly, countering denials and securing maximum payouts.
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Tailored Solutions
Every claim is unique. We customize our strategy to your specific circumstances and goals.
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Stress-Free Process
Leave the paperwork, phone calls, and frustration to us — focus on what matters most to you.
Client Success Story
"My insurance denied my claim, but Claims.ae turned it around in weeks. No lawyer could've done it better."
★★★★★
Mohammed Al Rashid
Auto Claim · Dubai
Testimonials
What our clients say
★★★★★
"My insurance denied my claim, but claims.ae turned it around fast. No lawyer could've done it better. I got my full payout in weeks."
M
Mohammed
Auto Claim · Dubai
★★★★★
"I thought I'd need an expensive lawyer, but they saved me money and handled everything. Truly amazing service from start to finish."
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Sarah Fateh
Home Claim · Abu Dhabi
★★★★★
"After a full rejection from my insurer, they got my claim approved. Professional, fast and effective. I'd highly recommend them."
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Daud Abdul Rehman
Business Claim · Sharjah
Latest Insights
UAE Claims Knowledge Base
🚗
Auto Claims
How to Handle Police Reports for Auto Claims in the UAE
If you've been in a car accident in the UAE, a police report is your first step to a successful auto claim. Here's what you need to know.
Read article →
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Tips & Guides
5 Tips to Simplify Your Claims Process in the UAE
Dealing with a claim in the UAE can feel overwhelming. After 19 years in the industry, here are our top tips for a smoother experience.
Read article →
Ready to get the payout you truly deserve?
Join thousands of UAE residents who've won their insurance battles with Claims.ae
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.
95%
Success Rate
5K+
Auto Claims Won
Efficient resolution for vehicle claim disputes
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.
What We Cover
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Accident & Collision Claims
We handle all collision-related disputes including fault determination, repair costs and vehicle replacement.
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Total Loss Disputes
If your vehicle has been written off but the offered value feels unfair, we fight for the true market value.
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Theft & Vandalism Claims
We help recover your full entitlement when your vehicle is stolen or maliciously damaged.
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Third-Party Liability
We manage claims involving third parties, ensuring liability is correctly assigned and settled.
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Police Report Coordination
We guide you through obtaining and submitting UAE police reports — essential for any auto claim.
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Rental & Courtesy Car
While your car is being repaired, we ensure your entitlement to a replacement vehicle is honoured.
How We Work
1
Submit Your Claim Details
Tell us about your accident, policy details, and what the insurer has said so far. Takes under 5 minutes.
2
Free Case Assessment
Our auto specialist reviews your documentation and confirms whether your claim has grounds for dispute.
3
Direct Insurer Negotiation
We engage your insurance company directly, handling all paperwork, calls, and appeals on your behalf.
4
You Receive Your Settlement
We push for the maximum payout and only close your case when you're satisfied with the outcome.
★★★★★
"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."
Mohammed Al Rashid · Auto Claim, Dubai
Start Your Auto Claim
Free assessment. No obligation. We only get paid when you do.
Other Services
🏠 Home Insurance Claims→
💼 Business Insurance Claims→
🏥 Health Insurance Claims→
Don't settle for less than you deserve.
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.
93%
Success Rate
2K+
Home Claims Won
Your home deserves full protection
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.
What We Cover
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Water Damage & Flooding
Burst pipes, roof leaks, storm damage — we ensure full reinstatement costs are covered.
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Fire & Smoke Damage
All aspects of fire damage claims, including smoke damage, temporary housing, and contents replacement.
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Theft & Burglary
If your home has been broken into, we ensure every stolen and damaged item is fully accounted for.
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Structural Damage
Foundation, walls, roof — we fight for the full reinstatement cost, not just a patch-up.
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Contents & Personal Property
Electronics, furniture, valuables — we document and claim every item your insurer may try to overlook.
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Alternative Accommodation
If your home is uninhabitable, we ensure your temporary housing costs are fully reimbursed.
How We Work
1
Document the Damage
We guide you on exactly what to photograph and preserve before repairs begin — critical for a strong claim.
2
Policy Review & Assessment
We review your full policy to identify everything you're entitled to claim — including items insurers frequently miss.
3
Negotiate the Full Settlement
We engage your insurer, challenge any undervaluation, and push for the complete reinstatement cost.
4
Receive Your Payout
We stay on your case until you receive a fair settlement — we don't close your file until you're satisfied.
★★★★★
"After flooding damaged our apartment, the insurance company offered us a fraction of the repair cost. Claims.ae got us three times that amount."
Sarah Fateh · Home Claim, Abu Dhabi
Start Your Home Claim
Free assessment. No obligation. We only get paid when you do.
Other Services
🚗 Auto Insurance Claims→
💼 Business Insurance Claims→
🏥 Health Insurance Claims→
Your home is worth fighting for.
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.
96%
Success Rate
1K+
Business Claims Won
Protecting your bottom line
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.
What We Cover
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Business Interruption
Lost revenue during downtime — we quantify and recover every dirham your business lost while unable to operate.
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Commercial Property Damage
Offices, warehouses, retail spaces — we ensure full reinstatement costs are covered, not just partial repairs.
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Public Liability Claims
When a third party makes a claim against your business, we manage the process and protect your interests.
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Professional Indemnity
Disputes arising from professional errors, omissions or negligence claims — we defend and recover.
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Equipment & Asset Claims
Machinery, technology, vehicles, and specialist equipment — we recover replacement or repair costs in full.
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Natural Disaster Claims
Storm, flood, fire — we help businesses recover from natural events with comprehensive claim management.
How We Work
1
Initial Business Assessment
We review your policy, the nature of your loss, and your business's financial position to build the strongest case.
2
Loss Quantification
We work with your accounts and records to accurately quantify every element of your commercial loss.
3
Insurer Negotiation
We present your case directly to your insurer and negotiate firmly for the full settlement your business deserves.
4
Settlement & Recovery
We finalise the settlement and ensure funds reach you quickly, helping your business recover and move forward.
★★★★★
"After a warehouse fire, our insurer tried to drastically undervalue our claim. Claims.ae recovered over three times the initial offer."
Daud Abdul Rehman · Business Claim, Sharjah
Start Your Business Claim
Free assessment. Confidential. We only get paid when you do.
Other Services
🚗 Auto Insurance Claims→
🏠 Home Insurance Claims→
🏥 Health Insurance Claims→
Your business loss deserves full recovery.
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.
94%
Success Rate
1.5K+
Health Claims Won
Your health coverage is a right, not a privilege
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.
What We Cover
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Denied Treatment Appeals
We formally challenge treatment denials, build the medical case, and push for the authorisation you need.
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Reimbursement Disputes
Paid out-of-pocket for covered treatment? We recover every dirham your insurer owes you.
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Pre-Authorization Challenges
When a necessary procedure is blocked before treatment, we challenge the decision urgently.
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Out-of-Network Claims
Treated at a facility not on your insurer's network? We help recover costs where policies allow.
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Chronic Condition Support
Ongoing treatment, medications and specialist visits — we ensure insurers don't cut coverage mid-treatment.
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Medical Evacuation Claims
Emergency medical evacuation or overseas treatment claims — we handle the complex cross-border paperwork.
How We Work
1
Share Your Denial or Dispute
Tell us what happened — the treatment denied, the reimbursement rejected, or the pre-authorization blocked.
2
Policy & Medical Review
We review your policy coverage and work with your medical team to build a strong clinical case.
3
Formal Appeal & Negotiation
We file formal appeals with your insurer, escalate where necessary, and apply regulatory pressure where appropriate.
4
Coverage Restored or Reimbursed
We pursue your case until your treatment is approved or your reimbursement is paid in full.
★★★★★
"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."
Aisha Al Mansoori · Health Claim, Dubai
Start Your Health Claim
Free assessment. Confidential. We only get paid when you do.
Other Services
🚗 Auto Insurance Claims→
🏠 Home Insurance Claims→
💼 Business Insurance Claims→
Your health claim deserves a proper fight.
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.
19+
Years of UAE Insurance Experience
10K+
Clients Successfully Helped
95%
Success Rate on Disputed Claims
4
Claim Types Covered UAE-Wide
🛡️
Est. 2021
Dubai, UAE
Our Story
We've been in your shoes.
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.
Our Values
What drives everything we do
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Client-First Always
Every decision we make starts with one question: what's best for our client? Your outcome is our only priority.
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Radical Transparency
We tell you exactly where your claim stands, what to expect, and what we're doing about it — no jargon, no false promises.
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Speed & Precision
We move fast because we know every day of delay costs you. Our streamlined process is built for speed without cutting corners.
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No Win, No Fee
We only succeed when you succeed. Our fee structure aligns our incentives completely with your outcome.
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UAE-Wide Coverage
From Fujairah to Abu Dhabi, we operate across every emirate and work with every major insurance provider in the UAE.
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Complete Confidentiality
Your information is handled with the utmost care and discretion. We never share your details without your explicit consent.
Ready to work with the best in the business?
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.
All Questions
Getting Started
Our Process
Fees & Costs
Claim Types
We simplify the claims process for you. Whether it's a car accident, home issue, or business setback, we handle the back-and-forth with insurance companies, ensuring a fast, fair resolution — no stress, no runaround. Think of us as your personal insurance advocate.
We've been in your shoes. With 19 years as UAE insurance brokers, we've seen the delays and rejections firsthand. That's why we started in 2021 — to cut through the chaos and bring relief, one claim at a time. We're not a call centre — we're specialists who know every tactic insurers use.
We manage claims across the board — auto, home, business, and health. From Dubai's busy roads to Abu Dhabi's quiet corners, if you're facing a claim challenge in the UAE, we're here to help. We work with all major UAE insurance providers.
It depends on the claim, but we're built for speed. Simple claims can often be resolved in a matter of weeks. More complex disputes take longer, but we aim to resolve every case as quickly as possible — often faster than going it alone, thanks to our experience and direct insurer relationships.
No lawyer needed. We handle everything directly — paperwork, negotiations, follow-ups — saving you time, money, and stress. In many cases, our approach is faster and more effective than going through a legal route, which can take months or even years.
Yes, absolutely. Rejections are where we started — we've seen every excuse insurers use and know exactly how to push back. A rejection is often not the end of the road. We'll review your case, identify grounds for appeal, and work to get the resolution you deserve.
It's easy. Submit your claim through our online form, or reach out via the contact page. Share your claim details and we'll take it from there — from the first call to the final resolution, we're by your side every step of the way.
That's our specialty. We step in when insurance companies stall or push back, handling the tough conversations so you don't have to. We know the regulatory landscape in the UAE and use that knowledge to apply the right pressure at the right time.
Absolutely. We serve clients from Dubai to Abu Dhabi, Sharjah to Fujairah, and everywhere in between. Our process is largely remote so location is never a barrier.
Our initial consultation is completely free. We work on a success-fee basis for most claims — meaning we only get paid when you do. This aligns our incentives entirely with your outcome. Contact us for specific fee information based on your claim type.
Still have questions?
Our team is ready to answer any specific questions about your claim — for free.
Quick Actions
📋 Submit a new claim
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Ready to get started? We're here.
Submit your claim today — free assessment, no obligation.
When you use Claims.ae, we may collect the following types of personal information:
Contact information including your name, phone number, and email address
Insurance policy details and claim documentation you provide
Communication records including emails, calls, and messages
Technical data including IP address, browser type, and usage patterns
2. How We Use Your Information
We use the information we collect solely to provide and improve our insurance claim advocacy services, including:
Processing and managing your insurance claim on your behalf
Communicating with you about the progress of your claim
Negotiating with insurance companies as your authorized representative
Complying with our legal and regulatory obligations in the UAE
We will never sell your personal information to third parties or use it for purposes unrelated to your claim without your explicit consent.
3. Data Sharing
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.
4. Data Security
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.
5. Your Rights
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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