Cancelling insurance policies when you leave the UAE

List every policy you pay yourself (home, car, health, life, travel) and cancel each one in writing with a refund request. Check life cover first: it may not continue abroad, so arrange a replacement before you cancel. Personal health refunds usually need no claims and can take about 90 days.

When
3 weeks to 3 days before your flight
Time
30 min
Cost
Insurers often keep a cancellation fee

Official source: Central Bank of the UAEFor the rules. You don’t do this step there.

Money back: Home, health and other insurance refunds. Home: pro-rata, minus fees. Car: fixed scale. Ask each insurer for the date.

Have ready

  • Policy numbers
  • Visa cancellation paper for health policies

How to do it

  1. List every policy you pay yourself: home contents, car, personal health, life, travel.
  2. Life cover: ask the insurer in writing whether it continues after you leave the UAE. Arrange a replacement before you cancel.
  3. Home contents: cancel from your handover day with written notice (often 7 days) and ask for the pro-rata refund. A claim during the year usually means no refund.
  4. Car: cancel after the ownership transfer (see the car steps), with 7 days’ written notice. The refund follows a fixed scale, not pro-rata: 80% in the first month, 70% up to four months, 50% up to six, 30% up to ten, nothing after that, and nothing if you had an at-fault claim.
  5. Personal health policies: keep cover until you leave, then cancel with your visa cancellation paper. Ask the insurer in writing what refund applies and when it is paid; it usually needs no claims.
  6. Give an IBAN that stays open, and add each refund to Money back.
Copy-ready messagePaste it, fill the brackets, send
Subject: Cancel policy [policy number] – leaving the UAE

Dear [insurer],

I am leaving the UAE and ask you to cancel policy [policy number] from [date]. [For health policies: my visa cancellation paper is attached.]

Please confirm the cancellation in writing, the pro-rata refund due after any fees, and when it will be paid. Please send it to IBAN [your IBAN] in the name [your name].

[Your name]
[Mobile]

Questions people ask

Can I get a refund when I cancel insurance in the UAE?

Often, yes. Home policies usually refund the unused months minus a fee. Car insurance follows a fixed scale, from 80% in the first month to nothing after ten months, and only without an at-fault claim. Personal health policies usually refund only if you made no claims.

Will my UAE life insurance cover me abroad?

Not always. Ask the insurer in writing, and arrange a replacement before you cancel.

Sources

Official: Central Bank of the UAE: unified motor policy (cancellation and refund scale)

Also checked against: Policybazaar: cancelling health insurance and refunds · Policybazaar: life insurance after visa cancellation · Central Bank of the UAE rulebook: Unified Motor Vehicle Insurance Policy, short rate schedule

Outro is an independent guide, not a government service or legal advice. If an official page says something different, follow it and .