Liva Insurance
Liva Insurance sells home, car, travel and health insurance in the UAE, where it was called RSA Middle East until 2023. It is a Bahrain company with offices in Dubai, Abu Dhabi and Sharjah, fully owned by Liva Group SAOG of Oman. Its home policy covers buildings, contents and, as an option, personal possessions.
Out of 5 from 1,824 Google reviews across 3 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Liva Insurance
Liva Insurance averages 3.1 out of 5 across 1,824 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only home insurance.
Read the Google reviews for each office
Liva Insurance home insurance
One home policy with three covers: buildings, contents and optional personal possessions. It is sold to UAE citizens and residents with a valid Emirates ID or residence visa, for homes in the UAE, to owners with a title deed and tenants with a tenancy agreement.
| Product | Type | What it is |
|---|---|---|
| Home Insurance | Buildings, contents and personal possessions | Wording version 3.0, dated 15 October 2026. Each cover applies when shown in your schedule.1 |
| Cover | With this insurer | Details |
|---|---|---|
| Subsidence | Included | Covered for buildings. You pay the first AED 2,000 of each subsidence loss.1 |
| Storm and flood | Included | Covered for buildings and contents. Gates, hedges, fences and tennis courts excluded, and contents in the open excluded.1 |
| Escape of water | Included | Covered, excluding the part that leaked and any leak after the home has been empty for 60 consecutive days.1 |
| Accidental damage | Included | To buildings and to contents in the home, with exclusions. Not while the home is lent or let.1 |
| Valuables | Depends on cover | Up to 50% of the contents sum insured in total, unless the schedule shows more. A single article limit in the schedule applies to any one item, pair or set.1 |
| Rent and alternative accommodation | Included | Up to 12 months, capped at 20% of the sum insured and AED 500,000.1 |
| Occupier’s liability | Included | Up to AED 2,000,000 a claim, in the UAE and worldwide on visits of up to 90 days.1 |
| Owner’s liability to the public | Included | Up to AED 2,000,000, as owner and not occupier.1 |
More cover details (4)
| Cover | With this insurer | Details |
|---|---|---|
| Tenant’s liability | Included | 20% of the contents sum insured or AED 100,000, whichever is higher.1 |
| Domestic staff | Optional extra | Employer’s liability up to AED 250,000, plus medical and repatriation benefits of AED 10,000 each for a named worker.1 |
| Personal possessions away from home | Optional extra | Accidental damage and theft with forced entry, in the UAE and worldwide for up to 90 days.1 |
| Under-insurance | Depends on cover | A claim is reduced in proportion only if the property is worth more than the sum insured by 25%.1 |
Check before you buy
- Weather and water damage in the first 30 days of a new policy is not covered, whether reported or not.1
- Claims in the first 7 days of a new buildings policy are not covered.1
- Theft is covered only with forcible and violent entry or exit, and must be reported to the police.1
- Items misplaced or lost at home, including unexplained losses, are excluded.1
- Several covers stop once the home has been unoccupied for 60 consecutive days.1
- Contents claims may be reduced for age. The guide scale is nil in year one, then 10%, 20%, 30% and 40% from year five, and Liva may use a different rate for an item’s condition and use. Valuables are not reduced.1
Policy documents
- Home Insurance Policy Wording, version 3.0Policy wording, 2026
How to claim with Liva Insurance
- Claims phone04 302 9835
- Claims emailhomeclaims.ae@livainsurance.com
Steps
- Check your schedule and wording to see whether the loss is covered.1
- Tell the police as soon as you can if property was stolen or maliciously damaged, or a valuable was lost.1
- Call the home claims team. It sends a claim form to complete and return with the evidence it needs.1
- Arrange emergency repairs to prevent further damage. For other repairs, send two estimates where possible.1
- Keep damaged boilers or tanks, and send any letter from someone claiming against you to Liva unanswered.1
- Notify Liva in writing without delay when you become aware of a possible claim.1
Not happy with a claim? Complain to Liva Insurance at complaints.ae@livainsurance.com first. How to complain about a home insurer.
About Liva Insurance
- Legal name
- LIVA Insurance B.S.C. (c)
- Type
- Conventional insurer. The Central Bank register lists it as a foreign insurance company, not a takaful company.3
- Owner
- Fully owned by Liva Group SAOG of Oman. At 31 December 2025 the group's largest shareholders were OMINVEST with 48.86% and Riyad Bank with 14.35%.8
- Listed on
- The UAE company is not listed itself. Its parent, Liva Group SAOG, is listed on the Muscat Stock Exchange.8
- Headquarters
- Company registered in Bahrain. UAE head office at Burj Al Salam, Sheikh Zayed Road, Dubai.15
- UAE branches
- 3 offices: Dubai, Abu Dhabi and Sharjah15
- Also sells
- Health, Home, Travel, Personal accident, Golf, Business16
- Previous name
- Royal & Sun Alliance Insurance (Middle East) Limited B.S.C. (c), known as RSA Middle East, until 20237
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 652
Financial strength
AM Best rates Liva A- but its outlook is negative, which it links to underwriting results below its expectations. The UAE business made a loss in 2024, a year of GCC floods, and a profit in 2025.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| AM Best | A- (Excellent), Negative5 | UAE company | 12 Feb 2026 |
Recent news
- Liva Group nine-month profit falls
The group reported net income of OMR 8.79 million for the nine months to September 2026, against OMR 13.39 million a year earlier.11
- Liva names a new UAE chief executive
The group's first-half 2026 report lists Addal Sarwar as Chief Executive Officer for the UAE.9
- AM Best affirms A- with a negative outlook
The rating covers Liva Insurance B.S.C. (c) and Liva Insurance SAOC.5
- Liva Group appoints a new group chief executive
David Healy succeeds Martin Rueegg, subject to regulatory approval.12
- NLGIC's UAE business moves into Liva Insurance
Liva Group transferred its UAE branch operations to the UAE branches of Liva Insurance B.S.C. (c).10
Contact Liva Insurance
- Phone+971 4 302 9800
- Toll free800 772
- Emailinsurance.ae@livainsurance.com
- Complaints emailcomplaints.ae@livainsurance.com
- ComplaintsOpen complaints page
- HoursSales line: Monday to Saturday, 08:00 to 20:00. Offices: Monday to Friday, 08:00 to 17:00.
- Head office38th Floor, Burj Al Salam No 2, Sheikh Zayed Road, P.O. Box 28648, Dubai
Branches (3)
| Branch | Address | Phone |
|---|---|---|
| Dubai head office | 38th Floor, Burj Al Salam No 2, Sheikh Zayed Road, P.O. Box 28648, Dubai | +971 4 302 9800 |
| Abu Dhabi office | 1st Floor, Dhafir Tower, Fatima Bint Mubarak Street, Electra - Najda Intersection, P.O. Box 646, Abu Dhabi. The motor policy wording gives Tamouh Tower, Al Reem Island, office 3105, and the contact page map link also points to Tamouh Tower. | +971 2 882 3171 |
| Sharjah office | Office No. 603, Tower C, CG Mall, King Faisal Road, P.O. Box 3761, Sharjah | +971 6 504 8800 |
Common questions
What does Liva home insurance cover?
Liva’s home policy has three covers: buildings, contents and optional personal possessions. The insured events include fire, smoke, escape of water, storm or flood, theft with forced entry, malicious damage and accidental damage, with the exclusions in its wording.1
Does Liva home insurance cover water damage?
Escape of water from fixed installations and appliances is covered, excluding the part that leaked and any leak after the home has been empty for 60 consecutive days. Weather and water damage in the first 30 days of a new policy is not covered.1
How do I claim on Liva home insurance?
Call the home claims team on 04 302 9835 or email homeclaims.ae@livainsurance.com. Liva sends a claim form to return with receipts, photos and proof of ownership.1
What do Liva reviews say?
On Google, Liva’s UAE offices average 3.1 out of 5 across 1,824 reviews, as of 5 November 2026. The reviews cover everything it sells, not only home insurance, so read recent ones that mention home claims.
Sources
16
1Liva Insurance, Home Insurance Policy Wording, Version 3.0, 15 October 2026. Last checked 12 Nov 2026. Source document: Home Insurance Policy Wording
2Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
3Central Bank of the UAE, CB Register September of 2026. Last checked 5 Nov 2026. Source document: CB Register September of 2026
4Liva Insurance UAE, UAE: Insurance firms RSA Middle East and NLGIC to rebrand as Liva, 8 December 2023. Last checked 5 Nov 2026. Source document: UAE: Insurance firms RSA Middle East and NLGIC to rebrand as Liva, 8 December 2023
5AM Best, AM Best Affirms Credit Ratings of Liva Insurance B.S.C. (c) and Liva Insurance SAOC, 12 February 2026. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Liva Insurance B.S.C. (c) and Liva Insurance SAOC, 12 February 2026
6AM Best, AM Best Assigns Credit Ratings to Liva Insurance B.S.C. (c) and Liva Insurance SAOC; Withdraws Credit Ratings of Liva Group SAOG, 7 February 2025. Last checked 5 Nov 2026. Source document: AM Best Assigns Credit Ratings to Liva Insurance B.S.C. (c) and Liva Insurance SAOC; Withdraws Credit Ratings of Liva Group SAOG, 7 February 2025
7AM Best, AM Best Revises Outlooks to Negative for Liva Group SAOG, 13 September 2024. Last checked 5 Nov 2026. Source document: AM Best Revises Outlooks to Negative for Liva Group SAOG, 13 September 2024
8Liva Group SAOG, Annual Report 2025. Last checked 5 Nov 2026. Source document: Annual Report 2025
9Liva Group SAOG, Interim financial statements, six months ended 30 June 2026. Last checked 5 Nov 2026. Source document: Interim financial statements, six months ended 30 June 2026
10Liva Group SAOG, Interim financial statements, three months ended 31 March 2026. Last checked 5 Nov 2026. Source document: Interim financial statements, three months ended 31 March 2026
11MarketScreener, Liva Group SAOG Reports Earnings Results for the Nine Months Ended September 30, 2026. Last checked 5 Nov 2026. Source document: Liva Group SAOG Reports Earnings Results for the Nine Months Ended September 30, 2026
12Liva Group, Liva Group Strengthens Executive Leadership with Two Key Appointments, 7 January 2026. Last checked 5 Nov 2026. Source document: Liva Group Strengthens Executive Leadership with Two Key Appointments, 7 January 2026
13Trustpilot, Livainsurance profile, read through ReefAPI. Last checked 5 Nov 2026. Source document: Livainsurance profile, read through ReefAPI
14RSA Insurance, RSA to sell shareholding in RSA Middle East to National Life & General Insurance Company, 4 April 2022. Last checked 5 Nov 2026. Source document: RSA to sell shareholding in RSA Middle East to National Life & General Insurance Company, 4 April 2022
15Liva Insurance UAE, Contact us. Last checked 5 Nov 2026. Source document: Contact us
16Liva Insurance UAE, Frequently asked questions. Last checked 5 Nov 2026. Source document: Frequently asked questions
- Owner
- Propertyinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published