Avoid Denial: How to File a Car Insurance Complaint in UAE

Wondering how to file a car insurance complaint in the UAE? Whether you feel your insurance company hasn’t compensated you fairly or didn’t respond properly, you’re not alone. This guide breaks down how to file a complaint about an insurance company in the UAE step by step.

You’ll learn when to escalate your issue, how to use official services like Sanadak, and what to expect during the complaint process. We’ll also cover the waiting period after your initial complaint and the right way to approach your insurer before taking it further.

What is the Sanadak Service for A Complaint about Insurance Company?

Established by the UAE Central Bank, Sanadak is an independent financial unit that is designated specifically to resolve consumer complaints against licensed financial institutions (LFI) and insurance companies. It plays a vital role for those looking into how to file a car insurance complaint in the UAE, ensuring fair and regulated processes.

Where Can I Complain About Insurance Company?

Individual consumers and small to medium enterprises (SMEs) can submit complaints regarding the following issues:

Provision or offer services and/or products by the LFI or insurance company. If you’ve experienced an issue and need to make a complaint about insurance company behavior or service, this is where Sanadak steps in.

Failure to provide services and/or products due to discrimination based on social status, racial group, or personal disagreements.

Financial loss due to negligence or deliberate misconduct by the LFI or insurer—these are common triggers for an insurance complaint UAE and are valid reasons to escalate the matter officially.

You must bear in mind that complaints will be rejected by Sanadak if:

• You don’t file an official complaint with the LFI or insurer before contacting Sanadak — a required first step in how to file a car insurance complaint.
• You don’t wait 30 calendar days after filing the complaint with the LFI or insurer.
• The complaint is involved in ongoing court litigation.
• The case is outside the Central Bank of the UAE’s regulatory scope.

The complainant and the LFI or insurer have already been resolved, and in such cases, Sanadak cannot process your insurance complaint UAE.

When To Complain About Car Insurance

To find out how to file a car insurance complaint UAE effectively, you must first familiarize yourself with the exact situations in which complaints about car insurance are warranted. Here is when you can raise a complaint about insurance company conduct to Sanadak for fair review and resolution.

Claim Issues

Claim processing can sometimes be quite a complicated affair and because there is always a possibility of fraud, policy providers, even the best insurance companies in Dubai can sometimes be overcautious which can result in certain truthful claims being refused.

If your claim has been denied but you still feel entitled to compensation, you can first pursue legal action by complaint about insurance company to Sanadak.

Misrepresentation

If there is any incongruity between what you are promised and what ends up being included in your policy, be it certain services or a specific price, you can lodge a formal complaint with Sanadak if the insurance company itself is not accepting your rightful claim.

Customer Service

Good customer service is the right of every insurer and if for any reason you are not getting the care you deserve and cannot reach your insurance agent, you can take your complaint to Snadak who specializes in defending consumers against big corporations.

What to Do Before Sanadak Complaint

As we mentioned earlier, Sanadak must be a last resort, and there are a few things you need to do first before taking your insurance complaint UAE to them.

Reach Out to the Insurance Company

If you are in any way dissatisfied with the services you have received or have any issues with your insurance provider, you must first take it up with the company’s own customer service. This is the first and essential step in how to file a car insurance complaint. Addressing your concerns early may save you from having to escalate your complaint about insurance company later on.

Car Insurance Companies in Sharjah, Dubai, or any other major city in the UAE are usually quite adamant about keeping their customers happy, especially considering the competitive nature of the insurance market, so the chances are that your problems can easily be resolved without having to resort to Sanadak.

Wait for 30 days after the insurance complaint UAE with the company

Before lodging a complaint with Sanadak, you must first prove that your insurance company itself has not responded to your complaint, and in order to do that, you have to wait for 30 days after talking with your insurance company’s customer service before going to Sanadak.

Make Sure There Are No Active Lawsuits

If you have already taken legal action against your insurance provider and are involved in an ongoing lawsuit, your insurance complaint UAE with Sandak will not be approved. So before going to them, you must first Check Insurance Status Online and make sure there are no active lawsuits.

Confirm The Case in the UAE Central Bank Jurisdiction

Being established by the Central Bank of UAE, Sanadak can only process complaints against businesses that fall within the regulatory mandate of the Central Bank, which includes insurance companies, banks, investment firms, and other similar enterprises. But since you are reading this to find out how to complain about insurance companies, you can skip this step as insurance does fall under the jurisdiction of the central bank.

Documents Required For Insurance Company Complaint on Sanadak

To learn how to complain about insurance companies using Sanadak you need to know the exact documents that are required for this procedure. Here is a little list of these documents:

Proof of Identity

Almost any formal procedure requires the parties involved to provide proof of identity. In the UAE the proof of identity is usually an Emirate ID, or a passport if you are not a citizen.

Proof of Address

You will also need to show proof of address, which can be either utility bills or tenancy contracts, otherwise known as Ejari.

Insurance Policy Documents

Since you are filing a complaint against your insurance provider, the most important document you will need to provide is your policy certificate, which indicates the name of your provider as well as the details of your insurance plan.

Details of the Complaint

An explanation containing a detailed account of your complaint is also required to clarify the exact reason for your complaint.

Supporting Evidence

You must also provide Sanadak with evidence that can support the validity of your complaint; otherwise, although you might be able to file a complaint, there is little chance it will be rectified.

Step-by-Step Guide to Log Complaints in Sanadak Service

If you can provide all the documents listed above, the next step is going online to finally start the process of filing your insurance complaint UAE. Bear in mind that since this is an online service, you will need a UAE PASS to sign up for an account — an essential step in how to file a car insurance complaint properly.

Here is a step-by-step guide on how to complain about insurance companies:

Visit the Sanadak Website

The first thing to do is to go to the Sandak website and find the section for lodging complaints, which you can access by opening this link.

Select the Complaint Type

After opening this link, you will see a page that looks like this:

Here you must choose the middle picture, which is for complaints related to insurance companies.

Fill Out the Eligibility Criteria Questionnaire Form

After Clicking on the middle icon, you will see a little questionnaire form. Here are the questions and what you should answer:

Q1. Are you filing the complaint as a natural person, sole proprietor, or small to medium-sized enterprise?

Answer “Yes”. Only individuals and SME owners can use this service.

Q2. Is your financial or insurance complaint currently being handled by a court?

Answer “No”. Cases that are being handled by a court cannot be taken to Sanadak.

Q3. Have you previously filed one or more complaints on the same issue?

Answer “No”. Re-filing a complaint is not an option.

Q4. Did you file an official complaint with your LFI/Insurance Company?

Answer “Yes”. As mentioned before, you must file a complaint directly with your insurance provider before trying Sanadak.

Q5. Have 30 calendar days elapsed after the date you submitted the complaint and either; no written response was sent to you, or you received a response but you are not satisfied with it?

Answer “Yes”. As mentioned before, you must wait 30 days after filing a complaint directly with your insurance provider before trying Sanadak.

Fill Out the Complaint Form

After filling out the questionnaire,, you will have to sign in to your Sanadak account using your UAE PASS, after which you will be redirected to a section where you have to file a detailed report and upload the required documents and any supporting evidence — this is a crucial step in understanding how to file a car insurance complaint properly in the UAE.

Submit the Complaint

After filing your claim, the next step is submitting it, which is the last part of the process.

Wait for a Response

Having done all of this, you will then have to wait for your complaint to be processed by the relevant experts who will determine its validity.

Follow Up

You will need to occasionally enter your account to see how far along the process your complaint is.

Reach Out to the Insurance Dispute Resolution Committee If Necessary

If your complaint through Sanadak also fails to resolve your issue, you can then reach out to the Insurance Dispute Resolution Committee which is a specialized governmental entity created to resolve insurance-related disputes.

Easy Claims Process With Lookinsure

Filing claims is the main cause of complaints among insurance holders, as the process can get complicated very quickly. Lookinsure can help you in this matter as well. With us, all you need to do is provide the required document,s and we will take care of the rest ourselves, which includes following up on the claim.

We’ve promised our customers that we are not one of those companies that spam their clients’ inboxes with unnecessary messages, but don’t worry, that won’t be our policy when dealing with your insurance agents! If you don’t know how to Claim Insurance for a Car Accident, you can check our article, where you can find all the necessary information regarding this matter.

Conclusion

In this article, we have explained everything you need to know about how to file a car insurance complaint in the UAE. If there is an issue with your policy and your insurance provider refuses to help due to a disagreement, you can escalate the matter through Sanadak — the official channel for handling such cases.

Sanadak is an official governmental entity that has been established to help individuals and small business owners in legal disputes with big corporations. In this article, you can find a step-by-step guide on how to file your complaint with Sanadak, along with a list of required documents.

Frequently Answered Questions