Dealing with a delayed insurance claim can be frustrating, especially when you rely on your car for daily commute. In the UAE, insurance companies are legally bound to process claims within specific timeframes, but delays can still happen. If you’re caught in this situation, here’s a step-by-step guide on how to take action and get the payout.
1. Check Your Insurance Policy & Documents
Before taking any legal steps, carefully review your policy. Ensure you’ve submitted all required documents, including:
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A police report (mandatory for accidents)
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Repair estimates
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Medical reports (if applicable)
Delays can often occur due to incomplete paperwork, so double-check that you’ve provided everything.
2. Contact Your Insurance Company
If your claim is taking longer than expected, reach out to your insurer. The UAE Insurance Authority typically allows up to 15 working days for insurers to process claims. If they exceed this, you can follow up in writing via email and request a response. If you’ve raised your claim through Shory, you can call us at 800 SHORY to get any updates.
3. File a Complaint with the UAE Central Bank
Insurance companies in the UAE are regulated by the Central Bank of the UAE. If your insurer is unresponsive or delaying payment without valid justification, you can lodge a complaint through:
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The Central Bank website (www.centralbank.ae)
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The Consumer Protection Hotline at 800 CBUAE (800 22823)
The Central Bank will investigate and intervene if necessary.
4. Seek Legal Assistance
If your complaint doesn’t yield results, consider hiring a lawyer or legal consultant specializing in insurance disputes. You can also file a case in the UAE Courts for financial compensation due to undue delays.
5. Raise Awareness Through the Media
Sometimes, a little public pressure can go a long way. If all else fails, consider sharing your experience on consumer forums or social media (while remaining professional and factual). Some insurers respond faster when faced with reputational risks.
Final Thoughts
While most UAE insurers process claims smoothly, delays can happen. The key is to stay persistent, follow the legal channels, and take action when needed. If you’re struggling with a delayed payout, you can consider filing for a legal request.
