Q: I took insurance policies with a reputable company. There is initial contribution period of 2 years, wherein you cannot withdraw or touch your own money. Both policies started around April 2014 and I paid diligently until October 2015. The monthly contribution is around AED 2100 per month. I stopped the other plan briefly then continued to pay until around April 2016. Because of more financial difficulties, I was not able to pay my monthly contribution starting April 2016. My financial adviser said that my money is still there until maturity. When I checked again, my policy is gone along with my contribution. The call centre agent said it went to the charges. I have another plan, which is also untouchable at the moment. The financial adviser did not tell me anything about it. I want to complain about the insurance company, as well as the broker where my financial adviser works. Is there any legal way to recover that money? I hope you can help me.

Q: A couple of years ago, I rented a space in a warehouse (not the whole warehouse) to place my business items. However, the warehouse was hit by floods in Jan 2020 and my items were fully damaged. Since then, they keep saying that they are not responsible but, 'by luck', they did have an insurance policy that is willing to cover 1/3 of the cost of the goods. I don't have a signed contract with them, but I do have the original quote and the monthly invoices that they sent. The original quote also mentions insurance in case of total damage, which was actually one of the reasons I decided to go ahead with them. I have talked with a couple of lawyers on the phone but they all said exactly opposite things, which I believe that this is because they probably have never dealt with a similar case, so I hope I can find someone who actually knows what the law says and can support accordingly. I don't mind starting a court case, but I need to know if the commercial law is on my side and that they are fully liable.

Q: Dear sir/madam, My employer charged me for my family insurance in Abu Dhabi despite Abu Dhabi health insurance law covering up to 2 kids. What would be the legal way to reimburse the amount from the company?

Q: Dear Sir/Madam, I was terminated from my job due to the closure of operations. I purchased a one-year ILOE (Involuntary Loss of Employment) insurance policy last January. Am I eligible to claim?

Q: Dear Sir/Madam, Can I claim Involuntary Loss of Employment (ILOE) insurance if I was terminated a month before my contract ends due to cost-cutting? I paid for a one-year subscription, but I have not reached one year since it only started in January 2023.

Q: Dear Sir/Madam, My brother's company has not renewed his insurance since April 2023. He was not aware of this until he switched companies in December 2023. Now, the new company is processing the insurance details, and they have informed him that there is a fine to pay. They advised him to talk to the previous company about settling it. However, the HR from the previous company is avoiding my brother and not responding to his calls or messages. In this situation, will he have to end up paying the fine? Or can we file a police complaint against the employer? Can you please advise? Thank you!

Q: Dear Sir/ Ma’am, I am writing to know what I should do if a Dubai mainland company is not renewing my medical health insurance. I sent an email to the company as well, but they are not responding. Please kindly advise! Thanks!