Ask Gulf News: How to cancel car insurance in UAE and claim a refund

Question: I insured my car with an insurance company. I discovered that the insurance company put terms I do not accept and is not responding quickly to my calls or inquiries. What procedures should I follow in case I want to terminate the policy?

Answer: According to Chapter Six of the Unified Motor Vehicle Insurance Policy Against Loss and Damage, you may terminate the policy after notifying the company, (The Insured may terminate this Policy by a notice in writing to be sent to the Company via e-mail, facsimile, hand delivery or registered letter seven days prior to the fixed date of termination.

In this case, the Company shall refund to the Insured the paid premium after deducting a portion in proportion to the period during which the Policy has remained in effect subject to a  Schedule specified by the Unified Motor Vehicle Insurance Policy, provided that there is no compensation paid to the Insured or pending claims in relation to this Policy during the period of time the Policy is valid, if the Insured has caused the accident or in cases that are deemed committed by unknown persons.

The Policy shall be considered terminated in case of a total loss to the Motor Vehicle, provided that its registration is deleted with a report issued by the Road and Traffic Department confirming that it is un- roadworthy, and the Company shall compensate the Insured according to the provisions of this Policy.

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