Comprehensive legal support for individuals, corporations, and insurers across all facets of insurance and compensation law — from rejected claims and accident compensation to complex reinsurance disputes.
Deep experience before the UAE Courts, the Insurance Dispute Resolution Committees, and Central Bank of the UAE regulatory processes.
Insurance disputes are rarely straightforward. Policy wording, statutory obligations, regulatory requirements, and court practice all intersect — and the outcome of a claim often depends on how well each of these layers is understood and applied. At ABR Advocates & Legal Consultant, insurance law and compensation is a core practice area, not an afterthought.
Our team advises and represents clients under the UAE's current insurance framework, including Federal Decree-Law No. 6 of 2025 Regarding the Central Bank, Regulation of Financial Institutions and Activities, and Insurance Business (which consolidated the former insurance regime under Federal Decree-Law No. 48 of 2023), the insurance contract provisions of the new UAE Civil Code (Federal Decree-Law No. 25 of 2025, effective 1 June 2026), and the regulations, standards, and codes of conduct issued by the Central Bank of the UAE (CBUAE).
As both Advocates and Legal Consultants, we combine rights of audience before the UAE Courts with strategic advisory capability. Whether you are an individual seeking fair compensation after an accident or a corporation facing a high-value policy dispute, we provide clear guidance and committed representation at every stage.
Representing claimants, policyholders, and insurers before the UAE Courts and the Insurance Dispute Resolution Committees established under CBUAE supervision.
Advising on policy interpretation, indemnity, and causation principles under the new UAE Civil Code, including the codified indemnity rule and the courts’ expanded powers over compensation assessment.
Handling sensitive statutory compensation matters, including Blood Money (Diya) claims arising from fatal accidents, in coordination with criminal and traffic proceedings.
Advising on Takaful (Islamic insurance) structures, now addressed within a comprehensive framework under the new Civil Code.
Negotiating with insurers to resolve claims efficiently — pursuing litigation where negotiation does not deliver a fair outcome.
We draft and review insurance policies, endorsements, and coverage terms to ensure clarity and protect our clients’ interests — including conventional policies and Takaful structures. Careful drafting today prevents costly disputes tomorrow.
We represent policyholders and beneficiaries in disputes against insurers for denial, delay, or undervaluation of claims, and act for insurers defending unmeritorious claims — from the Insurance Dispute Resolution Committees through to the Courts of Cassation.
We advise insurance companies, brokers, third-party administrators, and businesses on compliance with CBUAE regulations — particularly during the transition under Federal Decree-Law No. 6 of 2025 — as well as DIFC and ADGM requirements.
We guide clients through the entire claims process, from notification and documentation to final settlement — across motor accidents, medical negligence, workplace injuries, property damage, and life and health insurance.
Motor third-party insurance is compulsory in the UAE and the Unified Motor Insurance Policy fixes minimum terms insurers cannot dilute. We help accident victims claim their full legal entitlement rather than settle for less.
Learn more 02We pursue full compensation for bodily harm caused by another’s negligence — quantifying medical costs, lost income, and pain and suffering to secure a fair award.
Learn more 03Medical liability claims sit at the intersection of the Medical Liability Law, health authority regulation and mandatory malpractice insurance. We build claims through the medical liability committee process and the courts.
Learn more 04Insurers must give reasons for denying a claim — and those reasons can be tested. We challenge rejected and undervalued claims through negotiation, the Insurance Dispute Resolution Committees, and the UAE Courts.
Learn more 05We advise on the interplay between statutory work-injury compensation under UAE Labour Law and civil claims where negligence exceeds the statutory scheme — two distinct routes many injured workers don’t realise exist.
Learn more 06A sensitive, high-stakes area combining Sharia-based Diya with civil compensation for material and moral harm. We provide compassionate, culturally aware representation for families navigating criminal, estate and insurance matters together.
Learn more 07We advise policyholders and insurers on claims for property damage and asset loss — from policy interpretation and indemnity principles to disputed valuations.
Learn more 08Complex, high-value disputes involving treaty and facultative reinsurance, aggregation issues and follow-the-settlements clauses — resolved before the UAE Courts, DIFC/ADGM, or international arbitration.
Learn more 09We pursue and defend subrogated recovery claims on behalf of insurers seeking to recover sums paid out from the party actually responsible for the loss.
Learn more 10We draft and review policies, advise on CBUAE regulatory compliance, and manage the insurance dimension of corporate transactions — for insurers, brokers, and commercial clients alike.
Learn moreWe listen, review your policy and documents, and give you an honest assessment of your position.
We identify the strongest legal route: negotiation, the Insurance Dispute Resolution Committees, or court proceedings.
We pursue your matter with diligence until resolution, keeping you informed at every stage.
Can't find your answer? Our team responds to every enquiry within one business day.
Ask a questionOur team has acted in insurance and compensation matters across the UAE Courts and dispute resolution committees.
Whether your claim has been rejected, undervalued, or delayed — or your business needs strategic insurance advice — our team is ready to assist in English, Arabic, Urdu, and Hindi.
Confidential, and free for your first review.
Call the firm+971 50 887 2523Email usinfo@abrlaw.comWhatsAppChat with our team