When do the claim time limits run out?
Enter the dates you know. The tool adds the periods set in the Civil Transactions Law and by Sanadak.
The time limits and a worked example
| Time limit | The rule | Example date |
|---|---|---|
| Third party’s claim against you | 3 years from the day they knew of the damage and who caused it (Article 258(1)) | 1 July 2029 |
| Latest possible claim | 15 years from the harmful act, whatever happens (Article 258(3)) | 1 July 2041 |
| Your claim against your insurer | 3 years from the day the third party sued you or recovered from you (Article 966(3)) | 15 March 2030 |
| Earliest complaint to Sanadak | 15 calendar days after your complaint to the insurer, if unresolved | 16 September 2027 |
| Last day for Sanadak | 3 years from the conduct, or 2 years from when you became aware of it, whichever is later | 1 August 2030 |
A court can apply exceptions, and Sanadak may consider exceptions to its limit. What to do when a claim arrives is inhow to make a public liability claim.
Sources
- Federal Decree by Law No. (25) of 2025 Promulgating the Civil Transactions LawUAE Legislation. In force from 1 June 2026. Articles 258, 959, 965 and 966. Read 12 November 2026.
- Submit a Complaint Related to a Licensed Financial Institution or Insurance CompanySanadak, Central Bank of the UAE. Read 12 November 2026.