Liva Insurance

Extremely Disappointed – Over a Year and Still No Claim Paid for the content It has been more than a year since I filed a claim with Liva Insurance following the flooding in Dubai, and the claim is still unpaid. Despite multiple attempts to get an update, I have received no response. I have tried calling for the past three days, and no one answers. Emails have also been completely ignored not even an acknowledgment. This level of neglect is unacceptable from an insurance provider. Due to the complete lack of communication and progress, I have also filed a complaint with Sanadak (Central Bank UAE) in hopes of getting some resolution. Liva Insurance home insurance has failed to provide even basic customer service, let alone fulfill its obligation. I do not recommend them to anyone looking for reliable insurance support when it’s truly needed. The reply of Liva on Google review is misleading. 3rd party has emailed us for the invoices that we already sent 1 year ago. They are stalling again. No phone calls are being responded again they after. Why aren’t they sending the report they made of the damaged review!!!!

Claim# 515673. Agent: Michelle Dlima. This claim was dragged on for 2 years because RSA and LIVA will not respond to emails or phone calls and after the 3rd party inspection when it was determined that the fault was the Liva approved workshop. Guess what? Liva closed the case and said it’s been 2 years and we can’t help you. Keep in mind this is for a not a fault accident so the money is not even coming from their own pocket to do the repair. The car still without an airbag because of their negligence. Please learn from my experience and go with a better insurance provider for peace of mind.

Unbelievably bad customer service! I have been a policyholder with multiple vehicles insured under my name, and I am currently very disappointed with this insurance company. When I insured my first car, my experience was still positive, and the Google reviews were much better. Now, nearly one year later, with multiple cars insured, I have noticed a significant decline in their service—and their Google rating reflects this. Even worse, neither the insurance company nor my assigned salesman/ advisor responds to my emails (I have sent multiple emails this February and followed up (800 772) four times with no response) or to my customer complaint via the hotline (I have called multiple times, but no promised callbacks were made to discuss and resolve the issue). Finally, I visited their branch on the SZR 38th floor, and it became clear why their customer service is so poor and why their Google reviews have dropped—because even in person, I received no assistance. Will cancel all my car insurances. Edit 02.03.2025 After receiving a response to my review here (probably from the marketing team), I even took the time to send an email, as requested, to explain the issue and the customer service experience in more detail. Unfortunately, it has now been 10 days, and the representatives of this insurance company haven’t even bothered to reply. And that perfectly reflects what my review here is about—absolutely terrible customer service, no support, no answers, just nothing. Edit 09.05.2025 Until today, no one has responded to my complaint emails or acknowledged that I’m canceling all my policies with Liva Insurance. Today, I got a call about my 2024 car model’s insurance expiring tomorrow. I informed the caller that, due to Liva’s lack of response since February, I already moved my 2021 car and 2024 models to a competitor. That’s two out of three cars gone, because of poor customer service. No replies, no callbacks, nothing. The third car will also be switched b...

My experience with LIVA, the so-called “Trusted Insurance Partner,” has been nothing short of a nightmare. I filed a total loss claim, and from the very beginning, the process was plagued with false promises, endless delays, and zero accountability. Despite paying a high premium, I was denied a replacement vehicle, with the excuse that “in the case of total loss, we can’t provide one.” The call center team is utterly unhelpful—they do nothing more than read from the email history and parrot scripted lines like “we’ll escalate this,” or “please check your bank statement,” or “my system is not working.” No one takes ownership, and no action follows their promises. Their technical team is unreachable and unresponsive. Emails go unanswered, updates are never provided, and basic questions are ignored. They operate with a level of arrogance and indifference that is unacceptable, especially for a company handling sensitive and high-stress matters like insurance claims. My claim took over two months to settle, purely due to their negligence, poor coordination, and complete lack of urgency. I had to manage everything from A to Z myself, and even then, they made the final settlement process a struggle. LIVA Insurance failed me at every step. I strongly advise others to think twice before choosing them. They are neither “trusted” nor a true “partner” in your time of need.

Unfortunately the customer service and general communication for this insurance company is very poor. Post an accident I filed a claim online, which was easy. Then I sent my car to the agency workshop to get checked and take photos. Waited 10 working days with no answer. Called them and was informed that the other insurer wants to check the vehicle themselves. As they are allowed to do. No one called to inform me of this for 3 days. I had to find out after calling them myself. Dropped my car back for 3 days at the workshop, as advised and as per law, for the other insurance to verify. After 3 working days no news. The Liva rep at the agency workshop didn't pick up or reply to numerous calls. Called the Liva customer service again. They had no update on the case and just said 'we advise you to leave it longer until the cross check is done'. With no time limit. When I asked what happens if I take my car at the end of day 4, which is beyond what is legally required by Dubai law in these cases, they also had no idea. Infact the lady said it's a technical question and customer service 'isn't supposed to know this information.' 🤔🤔 No proper solution offered. No step taken to even contact the other insurer to complete the check as per the law. They just said, we will send an email but please leave the car longer. Completely unacceptable, especially since the claim has been in process for 3 weeks already.