Can a car insurance company in the UAE legally refuse to cover repair costs for rain-related vehicle damage?

Yes, an insurer may lawfully deny coverage depending on the type and terms of your policy: third-party liability insurance does not cover damage to your own vehicle, while comprehensive insurance generally covers external accidental damage such as rain or water ingress unless the policy specifically excludes weather-related incidents, flooding, natural disasters, or the damage falls under recognised exclusions like negligence, misuse, or failure to take reasonable preventive measures; since insurance is a binding contract, insurers are obligated to compensate only within the risks and conditions agreed, and unjustified refusals under a comprehensive policy can be challenged through the Central Bank’s Insurance Dispute Resolution Committee (Sanad). Do you think insurers should automatically cover rain damage during extreme weather, or is it fair to rely strictly on policy exclusions?

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