How do I complain about an insurance company in the UAE?

Complaining about a UAE insurer follows a two-stage path. First, raise a formal written complaint with the insurer's own complaints function, clearly stating the issue, what you want, and attaching your evidence. Ask for a written response within their stated handling time. If the insurer fails to resolve it or you are unhappy with the outcome, escalate to the regulator. Insurance is supervised by the Central Bank of the UAE, which took over the former Insurance Authority's role, and consumer complaints against licensed insurers are handled by Sanadak, the independent financial ombudsman established under the Central Bank framework. You can submit your complaint to that channel with the insurer's final response and your supporting documents. Keep records of every submission and reference number. Separately, disputes can be taken to the UAE civil courts, which is often relevant for larger or more complex claims. Confirm current eligibility criteria and submission steps directly with the regulator's official channels, as procedures are updated periodically. If you want help framing the complaint or assessing court options, you can compare verified UAE legal professionals on LEXAI.