My UAE insurance claim was rejected — what can I do?

If a UAE insurer rejects your claim, start by getting the rejection in writing with the specific reason and the policy clause relied on. Compare that reason against your actual policy wording, including the schedule, exclusions, and any endorsements — many rejections turn on definitions, exclusions, or alleged non-disclosure. Gather your evidence: the claim form, supporting documents, photos, reports, and all correspondence. Then submit a formal complaint to the insurer's internal complaints function and ask for a written final response. If the insurer upholds the rejection or does not resolve it, you can escalate to the Central Bank of the UAE, which now regulates insurers (having absorbed the former Insurance Authority), and to its independent financial ombudsman unit, Sanadak, which handles eligible consumer complaints against licensed insurers. Disputes can also be pursued through the UAE courts. Keep every document and note the dates of each step. Because outcomes depend on the exact policy wording and facts, consider getting tailored advice — you can compare verified UAE legal professionals on LEXAI to review your rejection and advise on the strongest route.