ARTICLE · 14 DECEMBER 2016

Back to Basics: Subrogation

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We commence our series of articles on the basics of insurance with "Subrogation". Set out below is a very high level overview in the UAE, but the views are widely applicable across the GCC given the similarities in laws.

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Peter Ellingham

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We commence our series of articles on the basics of insurance with "Subrogation". Set out below is a very high level overview in the UAE, but the views are widely applicable across the GCC given the similarities in laws. Each case is subject to its facts. Please take legal advice for detailed guidance.

What is subrogation?

Subrogation is the right of an insurer, having indemnified its assured, to "stand in the shoes" of its assured and claim against responsible third parties. An assured's right to receive indemnity from insurers does not extinguish the assured's right to claim from third parties in respect of the loss. Through subrogation, any recovery made is to the benefit of the insurer, but only up to the extent of indemnity provided.

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