Introduction
Many UAE residents discover that their insurance company deducted the wrong excess amount — sometimes double, sometimes triple what is written in the policy. This is a common issue and often goes unnoticed until after repairs.
This article explains how to dispute a wrong excess deduction and get your money refunded.
1. What Is Excess in UAE Car Insurance?
Excess (also called deductible) is the amount you must pay out of pocket when making a claim.
Example:
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Excess in policy: AED 500
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Repair cost: AED 3,000
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Insurer pays: AED 2,500
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You pay: AED 500
But when insurers deduct more than stated, it becomes a dispute.
2. Common Cases of Wrong Excess Deduction
❌ Higher excess than policy mentions
For example: Policy says AED 500 → insurer charges AED 1,000.
❌ Double excess for young drivers
Even when age rule does not apply.
❌ Extra excess for unnamed drivers
Even when the named driver was driving.
❌ Excess taken for a non-fault accident
Which is not allowed in many cases.
❌ Excess charged multiple times
For related damages.
3. How to Check If You Were Overcharged
Review:
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Policy wording
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Repair invoice
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Garage job card
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Emails from insurer
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Deduction breakdown
If the numbers don’t match, you have a strong dispute.
4. How to File a Complaint for Wrong Excess
Step 1: Request clarification from insurer
Ask for written confirmation of how they calculated the excess.
Step 2: Submit an internal complaint
Mention:
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Policy excess
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Amount deducted
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Why the deduction is wrong
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Evidence attached
Step 3: Escalate to Sanadak if refused
Sanadak helps you reclaim the extra amount deducted unfairly.
You must provide:
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Policy showing correct excess
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Invoice showing excess deducted
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Written complaint to insurer
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Any communication showing disagreement
5. How Sanadak Typing for Disputes Helps
We:
✔ Identify wrongful deductions
✔ Prepare your complaint professionally
✔ Submit all evidence
✔ Follow up to recover your money
Conclusion
Wrong excess deductions are common — but preventable. If you believe you were overcharged, dispute it immediately through Sanadak and reclaim what’s rightfully yours.
👉 Sanadak Typing is ready to assist you with excess disputes and ensure you get refunded.
