Insurance
Insurance lawyer in Riyadh: policies, claims and disputes
Legal services on insurance in Riyadh: reviewing policies, claims and exclusions, motor and medical cover, and disputes with insurers for policyholders and insurers.
Insurance lawyer in Riyadh for policyholders, individuals and businesses
An insurance policy is a conditional promise, and most disputes turn on the conditions: is the event covered, does an exclusion apply, was it notified on time, did the policyholder disclose all they had to? We serve policyholders, whether individuals or companies, in claiming their rights, and insurers and intermediaries in compliance and defense.
Our scope
We handle reviewing policies before purchase, claims and refused or reduced claims, motor and medical insurance disputes, and insurance in commercial and construction contracts.
Reviewing the policy
We review the scope of cover, exclusions, the excess, limits of compensation, notification conditions and the policyholder's duties. An ambiguous phrase in the policy can change the fate of a large claim.
Claiming compensation
When an event occurs we arrange notification and documentation as the policy requires and prepare the claim with its documents: the event, the loss, the technical report and the basis of cover. If the claim is refused or reduced, we analyse the reason and bring the objection or the claim.
Exclusions, notification and disclosure
Claims are most often refused for late notification, non-disclosure of a material fact when the policy was taken out, or an exclusion. We examine whether the exclusion really applies and whether the conditions to rely on it are met.
Compulsory and medical insurance
Motor and medical insurance carry mandatory rules and competent bodies. We serve those affected and organizations in claims under these types and in an organization's duty to insure its workers.
What you receive
Depending on scope: a report on the scope and exclusions of the policy, a claim prepared with its documents, a memorandum objecting to a refusal, negotiation with the insurer, and representation before the competent body.
Next step
Send the policy, what happened and whatever decision or correspondence came from the insurer. We can then tell whether there is a right and what is needed to prove it.
Mistakes we see most often in this kind of matter
Buying a policy without reading the exclusions. The exclusions are where claims are most often lost.
Late notification. Many policies require notice within a set time, and delay can be relied on against you.
Incomplete disclosure when taking out the policy. Leaving out a material fact can give the insurer a ground for refusal.
Accepting a refusal without examination. A refusal based on a general phrase may not stand.
Settling before understanding the loss. A quick settlement may close a claim for less than it is worth.
How the work runs
- 01
Read the policy. Scope, exclusions and conditions.
- 02
Document the event. Notification, report and loss.
- 03
Claim or object. A claim with its documents or an objection to the decision.
- 04
Negotiate or proceed. Settlement with the insurer or a claim before the competent body.
What we need to start
You do not need every document before you contact us, but having the following shortens the first assessment:
- The insurance policy and schedule
- What shows the event and the loss
- Reports (medical, technical, accident)
- Notices and the insurer's correspondence
- Invoices and supporting documents
Frequently asked questions
What should I do if my insurance claim is refused?
We review the policy, the reason for refusal and the documents, then assess an objection or a claim.
Should I review a policy before buying it?
Review reveals exclusions, limits of cover and notification conditions before they become a ground for dispute.
Do you serve individuals and companies?
Yes, policyholders of both kinds, and insurers and intermediaries.
Is insurance required in construction contracts?
Many contracts require it; we review its terms and its effect on liability.
Read also
The information on this page is general and is not a legal opinion on a specific matter; the answer depends on the facts and on the law in force at the time.