Insurance claim translation for policyholders in the UAE: the policy wording, claim forms, invoices and receipts from abroad, police and accident reports, the insurer's rejection letter and your complaint. Legal translation into Arabic and English, stamped by an MOJ-licensed translator and ready for the insurer, Sanadak or a court.
Trusted Credentials
Before You Claim
Most claims that stall do so over documents: an invoice the assessor cannot read, a police report with no translation, or an exclusion clause read differently by each side. Translation is where many of those delays start or end.
Treatment abroad, a car repaired in another country or a theft reported to a foreign police station all produce documents the UAE insurer may not be able to read. A certified Arabic or English translation lets the claims team assess the file instead of sending it back with a request for more information.
If the insurer rejects or underpays, you complain to the insurer first. If the insurer does not reply in writing within the period Sanadak publishes (30 calendar days in its FAQ at the time of writing), or you are not satisfied with the reply, you can take the complaint to Sanadak, the ombudsman unit set up by the Central Bank of the UAE. Sanadak reviews the documents you upload, so they need to be readable and complete.
Disputes usually turn on a few words: an exclusion, a definition of "pre-existing condition", a deductible or a notice period. When the policy exists in one language and you think in another, a precise translation of the clauses in question is the first thing to get right, before you argue the claim.
Claim Documents We Translate
Health, motor, travel, property and life claims, between Arabic, English and 50+ other languages. For medical reports in particular, see our separate guide linked below.
The full policy wording or only the clauses in dispute: cover, exclusions, definitions, deductibles and claim conditions.
Your completed claim form, a written account of the incident, and witness or repairer statements.
Hospital bills, pharmacy receipts, repair estimates and hotel or flight costs, with every amount and currency kept exactly as issued.
Foreign police reports, theft and loss reports, accident reports and fire or incident certificates.
The insurer's decision, the reasons given and the clauses it relies on, so you know exactly what you are answering.
Your complaint to the insurer, the documents for a Sanadak complaint, and Arabic translations for a committee or court.
How It Works
WhatsApp clear scans of the documents and tell us who will read them: the insurer, Sanadak or a court. We quote per page before we start.
A legal translator translates the file. Amounts, currencies, dates, policy and claim numbers are checked against the originals.
You receive the stamped translation as a PDF, with hard copies on request. Same-day delivery is available for many documents.
You upload the translation with your claim or complaint. If the insurer asks for another document, send it over and we add it to the file.
Who Reads Your File
Transparent Pricing
Excl. 5% VAT
We translate; we do not assess claims, negotiate with insurers or give legal advice, and no claim outcome is promised. We confirm the price on WhatsApp before we start.
FAQ
It depends on who reads it. Many insurers accept documents in Arabic or English as they are, and ask for a translation when a document is in another language. Some ask for a certified translation, and a court will need an Arabic translation by an MOJ-approved translator. If the claim may become a dispute, a certified translation from the start saves doing it twice.
First, file a formal complaint with the insurer and keep the reference. If the insurer does not reply in writing within the period Sanadak publishes (30 calendar days in its FAQ at the time of writing), or you are not satisfied with the reply, you can complain to Sanadak through its website or app, usually signing in with UAE PASS. Sanadak then asks the insurer to respond within its published deadlines and issues its decision in writing.
No. The Insurance Authority was merged into the Central Bank of the UAE under a 2020 federal decree-law, and the Central Bank now regulates insurers. Sanadak is the ombudsman unit established under the Central Bank's supervision, operating since March 2024. It took over the complaint handling previously done by the Central Bank's Consumer Protection Department and the Insurance Dispute Resolution Committee (which still hears escalated insurance disputes), and filing a complaint is free for consumers (an appeal against its decision may carry a refundable fee).
Individuals, sole proprietors and small and medium-sized enterprises, against an insurer licensed by the Central Bank. Sanadak does not accept a complaint that a court is already handling, or a repeat of a complaint already submitted on the same issue. Check the eligibility questions on sanadak.gov.ae before you file.
According to Sanadak's published process, either side may escalate the decision to the Appeals Committee or the Insurance Dispute Resolution Committee. After that, the courts remain available. Any non-Arabic document used before a UAE court will need an Arabic translation by an MOJ-approved translator, which we provide.
Usually the itemised hospital invoice and receipts, the medical report or discharge summary, and the rejection letter, plus the policy clause the insurer relies on. Our guide to medical report translation for insurance covers the medical side in detail; this service covers the rest of the claim file.
Yes. Policies can run to dozens of pages, and you often need only the cover clause, the exclusion and the definitions. We translate those pages and mark the translation as a partial translation, so nobody mistakes it for the full policy. Courts and committees may later ask for more.
Arabic⇄English is AED 60 per 200-word page, excluding 5% VAT. Invoices and receipts are often short, so a claim file is usually a few pages. Other languages are quoted on request. We send the quote on WhatsApp before any work starts.
Yes: accident reports from other countries, repair estimates and invoices, foreign insurance certificates, and the insurer's letters. For vehicle registration papers themselves, see our vehicle documents translation page.
No. Whether a claim is paid depends on the policy and the facts, and nobody can promise the result. A clear, accurate insurance claim translation removes one common reason for delay and makes sure the insurer, Sanadak or the court reads what your documents actually say.
You May Also Need
Guide to translating medical reports for UAE insurance claims.
Certified translation of medical reports, lab results and discharge summaries.
Arabic translations for claims that end up in a UAE court.
Legal translation of contracts, letters and legal documents by MOJ-licensed translators.
Get an instant estimate — final quote via WhatsApp
Send the documents and the insurer's latest letter on WhatsApp. We quote per page, translate under the stamp of an MOJ-licensed legal translator, and deliver the same day for many documents.