Many expatriates in Dubai are unaware of what happens legally to their assets if something happens to them. It may sound like something you would rather not think about, but it is essential. Without a valid will in the UAE, Sharia law applies automatically, regardless of your religion or nationality. And this can have significant consequences for your family.
Without a will, Sharia law applies, with a major impact on your family
Imagine: you have a family with two children and 2 million dirhams (approximately €496,000 / £425,000) in your bank account. Without a registered will in the UAE, your spouse may only be entitled to one-eighth of that amount under Sharia law. This means only 250,000 dirhams (approximately €62,000 / £53,000) would go to your husband or wife. Your parents may also have rights to a portion of the estate, while the remaining funds are distributed among your children.
This is not just about money, but about the emotional and administrative burden for your loved ones. The settlement process through the courts can take years, ranging from two to four years. During this time, your family must deal with lawyers, documents, and legal procedures, when they should be focusing on grieving.
A simple solution provides peace of mind and certainty
Fortunately, there is a way to prevent this. For a one-time fee of 1,000 to 2,000 dirhams (approximately €250-500 / £215-430), you can draft a will through the DIFC Courts or the regular Dubai courts. This allows you to officially specify who receives your assets, including bank accounts, possessions, and other holdings.
Setting up a life insurance policy in the UAE can also be part of a broader strategy to protect your dependants. Remember to update these documents if your situation changes, for example, upon marriage, the birth of a child, or relocation.
This is not just about property or money. This is about legacy. About protecting the people you love, before the unexpected happens. Your family should not have to battle paperwork while they are already dealing with loss.
Edward Clarke is a seasoned property expert with extensive experience in international real estate investment, with a particular focus on Dubai’s fast-growing property market. Drawing on both personal investment experience and years of client advisory work, he helps investors make informed, realistic decisions when purchasing apartments, villas or off-plan developments in Dubai. With a pragmatic mindset, a sharp focus on returns and a strong commitment to transparency, Edward is a trusted point of contact for anyone considering a property investment in Dubai.
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