What does COC mean in insurance in the UAE?

In UAE insurance, "COC" is an abbreviation that can mean different things depending on the document, so context matters. Most commonly it stands for "Certificate of Continuity" (used to evidence unbroken prior cover, especially in health insurance), but insurers also use it for "Certificate of Coverage" or "Confirmation of Cover". On some motor documents it may be shorthand for a compliance or cover certificate. Because the meaning shifts, never assume — check the heading and the issuing insurer. The document generally confirms who is insured, the policy period, and the scope of cover. If you need a COC for a visa, a new employer, a bank, or a vehicle transaction, request it directly from your insurer or broker and confirm exactly which type they have issued. Insurance in the UAE is regulated by the Central Bank of the UAE (which absorbed the former Insurance Authority), so all licensed insurers must issue clear policy documentation. If wording is ambiguous or an insurer refuses to clarify, you can escalate. You can also compare verified UAE legal professionals on LEXAI if a coverage dispute arises.