How to Raise a Complaint with your Car Insurance Provider

Buy Car Insurance in 30 Seconds !

Motor Insurance
Instant

Issuance

Dubai Motor Insurance
Personalised

Expert advice

UAE Auto Insurance
Guaranteed

Low prices

Car Insurance in Dubaicar image dark
next-icon
Compare & Save Up to 30%on Car Insurance
  • Nissan
  • Toyota
  • Honda
  • Mitsubishi
  • Ford
  • Other
We Are Rated

4.6/5

24,098

google-logoReviews
50+

Insurance Partners

1 Million+

Trusted Customers

250 K+

Policies Sold

If you’re facing issues with your car insurance provider in Dubai, it’s important to know how to file a complaint against your insurance company in UAE effectively. Whether it’s a rejected claim or unfair treatment, the process for complaining is designed to protect your rights and ensure your concerns are addressed. 

This guide will walk you through the steps to file a complaint against an insurance company, right from the initial communication to involving the relevant authorities such as the Insurance Authority and the Central Bank of the UAE. By understanding this process, you can easily navigate disputes and seek fair resolutions.

What Happens When Your Claim Gets Rejected?

If your claim is rejected, submit a complaint with your insurance provider first. Try to negotiate the situation and the claim amount with them. You can connect with customer care or locate the complaint form online. 

If the insurer remains persistent with their decision, you can then go to Sanadak or the Insurance Authority to file a complaint.

 

insure your car

 

How to File a Complaint Against Car Insurance Provider in Dubai?

As mentioned above, if your insurance claim gets rejected unfairly, you can file a complaint against the car insurance company in Dubai with the Sanadak platform. This platform is established to impartially and transparently resolve financial and insurance complaints of consumers or small and medium enterprises (SMEs) and licenced financial institutions (LFIs) and insurance companies.

How to File a Complaint Against Car Insurance Provider through Sanadak

Image Source - Sanadak official site

To submit a complaint with this insurance authority, you need to follow the steps mentioned below —

  • Step1- Go to Sanadak.gov.ae and click on the ‘Submit a Complaint’ in the top menu of the home page. 
  • Step2- Select ‘Submit a Complaint Related to an Insurance Company’.
  • Step3- Complete the form to figure out if you are eligible to submit a complaint against an insurance company. Once found to be eligible to raise a complaint, specify the institution you want to complain about — LFI or insurance companies.
  • Step4- Sign in with your UAE Pass. 
  • Step5- Once logged in, click on the ‘Log a Complaint’ tab. 
  • Step6- Go through the terms and conditions and confirm them. 
  • Step7- In the online complaint form, mention the dispute details including the response the insurance company gave. 
  • Step8- Once you submit the form, wait for the insurance complaint authority’s response. Sanadak’s team will investigate the complaint by connecting with the insurance provider and update you accordingly.

Things to Points in Mind Before Filing the Complaint Against Insurance Company in UAE —

  • If a Licensed Financial Institution (LFI) or insurance company denies a service or product owing to discrimination as per your family or socio-economic status, gender, or minority group membership, you can raise a complaint.
  • Complaints can also be made if there's financial loss or harm due to deceptive, fraudulent, unfair, or misleading conduct by an LFI or insurance company.
  • Before approaching Sanadak, first, submit your complaint to the concerned insurance company.
  • Wait 30 days after filing the complaint with the company.
  • Ensure there's no ongoing court case related to the complaint.
  • Don't submit a complaint that is beyond the regulatory mandate of the UAE’s Central Bank or if the issue has already been resolved. Sanadak may reject complaints in these cases.

You can also call SANADAK at (800) 726 2325.

How to File a Complaint Against Your Car insurance Company through the Insurance Authority in the UAE? 

The steps for the same are as follows —

  • Step1- If your insurance claim is denied, you will get a formal notice explaining the reasons for the rejection.
  • Step2- You should submit a complaint to the Insurance Authority, including all relevant documents like the rejection notice, policy details, and any communication with the insurance company.
  • Step3- The Insurance Authority, under the Central Bank of the UAE, will review your complaint and may ask for additional information to support your case.
  • Step4- If the Central Bank finds your claim valid, they will take appropriate action against the insurance company.
  • Step5- If the Central Bank cannot resolve the issue, the case will be referred to court for a final decision based on the evidence.

This process ensures all administrative options are explored before taking legal action, providing a structured approach to resolving insurance disputes.

Best Car Companies in UAE

Providers Types of Car Insurance Plans Offered Plan Details
ADNIC Platinum Cover Gold Cover Standard Cover
AXA Car Insurance Comprehensive car insurance cover, Third-Party Liability Cover
RSA Car Insurance Motor Executive (Comprehensive), Motor Smart (Comprehensive), Motor Value (Third-Party)
Oman Car Insurance Comprehensive Cover Third-Party Insurance InsureMyTesla High Net Worth Covers (premium covers for luxury cars/vehicles)
Noor Takaful Insurance Comprehensive Car Insurance, Third-Party Liability Car Insurance
Orient Car Insurance Comprehensive Plans, Third-Party Liability Plans
Salama Car Insurance Comprehensive Car Insurance Plans
Tokio Marine Car Insurance Comprehensive Car Insurance Plans
New India Car Insurance Third-Party Plans, Comprehensive Plans
RAK Car Insurance Comprehensive and Third-Party liability
See More

More From Car Insurance

  • Recent Articles