When can you take a complaint to Sanadak?
Enter the date you complained to the insurer and the date of the decision you are unhappy with. You get the earliest and the last day for Sanadak.
Which time limits apply?
| Rule | Time | Source |
|---|---|---|
| Wait after complaining to the insurer | 15 calendar days | Sanadak complaint page. Its FAQ for firms says 30. |
| Last day to complain to Sanadak | 3 years from the conduct, or 2 years from when you knew, whichever is later | Sanadak complaint page |
| Claims under an insurance contract | 3 years from the event | Civil Transactions Law 2025, Article 966 |
Worked example: complaint to the insurer on 1 November 2026, refusal on 10 October 2026, noticed on 20 October 2026. The earliest day for Sanadak is 16 November 2026, and the last day is 10 October 2029.
Sanadak says some exceptions to its time limits may be considered. The full route is in how to complain about a home insurer.
Sources
- Submit a ComplaintSanadak. Read 12 November 2026.
- FAQsSanadak. Read 12 November 2026.
- Federal Decree by Law No. (25) of 2025 Promulgating the Civil Transactions LawUAE Government. In force from 1 June 2026. Articles 958, 963 and 966. Read 12 November 2026.