Insurance claims settlement · UAE
Insurance claims help across the UAE.
Rejected, underpaid or stuck? We prepare the right papers, raise your complaint with the insurer and follow it through the official complaints process until you have a decision.
- Free eligibility review
- Motor, health, property and life
- Arabic and English
- Offices in 3 emirates
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Preview only: this form does not send requests yet.What does an insurance claims settlement service do?
When an insurer rejects a claim, pays less than the policy covers or stops responding, the outcome often depends on how well the complaint is prepared. We review your case for free, collect and organise the documents, draft the complaint, raise it with the insurer and, if needed, file it with the Sanadak unit, the official complaints body set up by the Central Bank of the UAE.
Choose your type of claim
Open a service for the documents you need, the steps and answers to common questions.
Rejected insurance claims
Challenge a refusal with a complete file.
View serviceUnderpaid or delayed settlements
Recover the full amount your policy covers.
View serviceMotor insurance claims
Accidents, total loss and repair disputes.
View serviceHealth insurance claims
Refused approvals and rejected reimbursements.
View serviceProperty and home insurance
Fire, water, theft and contents claims.
View serviceLife and personal accident
Death, disability and critical illness benefits.
View serviceTravel insurance claims
Medical emergencies, cancellations and luggage.
View serviceBusiness insurance claims
Claims for SMEs and sole proprietors.
View serviceClaim file preparation
Get a new claim right from day one.
View serviceAppeals
Appeal a decision you disagree with.
View serviceHow it works
How we handle your claim
- 01
Free eligibility review
Send your policy and the insurer's reply. We tell you if you have a case and what is missing.
- 02
We prepare the file
We collect the evidence, organise the documents and draft a clear, well-argued complaint.
- 03
We file and follow up
We raise it with the insurer first, then with the Sanadak unit if it is not resolved.
- 04
Decision, or appeal
You get updates until the decision is issued, and we prepare your appeal if you need one.
The complaints route
Two stages, and we prepare both
Complaint to your insurer
The insurer must first get the chance to resolve your complaint, usually within 30 calendar days. A complete, well-documented complaint at this stage often settles the case.
The Sanadak unit
If the insurer does not resolve it, or you disagree with its answer, the complaint goes to the Sanadak unit, the official complaints body set up by the Central Bank of the UAE. Filing is free for consumers. Insurance disputes normally go here before court.
If you need to appealWhy Saadatak
Claims specialists, not a general typing centre
- We know why claims get rejectedWe check your file for every common reason before it goes in.
- The right papers, the first timeFewer requests for more information, fewer delays.
- Clear fees before we startThe first review is free, and you get a written quote before any work begins.
Insurance claims: frequently asked questions
Do I have to complain to my insurer first?
Yes. The insurer must first get the chance to resolve your complaint, usually within 30 calendar days. If it does not, or you disagree with its answer, the complaint can go to the Sanadak unit.
Is there a deadline?
A complaint can generally be filed within three years of what happened, or two years from when you became aware of it, whichever is longer.
Can I go straight to court?
For insurance disputes, the complaint must normally go through the Sanadak unit first.
How much does it cost?
The first review is free, and filing with the Sanadak unit is free for consumers. Our fee for preparing and following up your case is confirmed in writing before we start.