You have a policy. You have damage. You submit the claim. Then… Silence. Or worse, endless emails from a Loss Adjuster asking for documents you threw away 5 years ago. Claim delays are frustrating, especially when you are standing in a flooded living room or looking at a broken window. But usually, the delay is … Read more
You did the responsible thing. You bought “Home Contents Insurance – All Risk.” The title sounds promising. “All Risk.” That means everything, surely? Then, in the peak of July heat, your AC unit groans and dies. Your villa becomes an oven. You call the insurance company, confident they will pay for the new compressor. They … Read more
You bought a laptop 3 years ago for AED 5,000. Yesterday, a water pipe burst and soaked it. It is dead. You file a claim. You expect a check for AED 5,000 to buy a new one. The insurer sends you an offer for AED 1,500. You are furious. “How can I buy a laptop … Read more
You have found the perfect apartment. Marina view, high floor, good rent. You sign the tenancy contract. The agent asks: “Do you want Tenant’s Insurance?” You laugh. “No thanks. The landlord has insurance on the apartment. I’m just renting.” You just made the most common, and potentially most devastating, financial mistake in the UAE expatriate … Read more
When you scan your insurance policy, you look for the big numbers. “Contents: AED 200,000.” Good. “Liability: AED 1 Million.” Great. You probably ignore Section F, Clause 4, tucked away at the bottom. It usually has a smaller number, like “AED 50,000” or “AED 25,000.” It is called “Alternative Accommodation” or “Loss of Rent.” In … Read more