UAE E-Invoicing for Insurance Companies: Compliance Guide 2026

E-Invoicing for the Insurance Industry in the UAE

   From 1 January 2027, all UAE businesses involved in B2B or B2G transactions must issue and receive electronic invoices through the Federal Tax Authority system. Businesses, including insurance companies, can voluntarily opt in from July 2026 to join the pilot phase. The rule applies to insurance companies handling transactions such as issuing policies, collecting premiums, paying claims, and settling with service providers, regardless of transaction volume.

The requirement applies even when the customer is not registered for VAT. Insurers serving only individual policyholders still need to register because suppliers will send purchase documents through the Peppol network. Any insurer covered by the mandate must connect to the FTA platform to send and receive invoices in the approved format.

The Importance of E-Invoicing in the UAE Insurance Sector

Insurance companies handle transactions that often involve several parties. A single corporate policy can require coordination between the insurer and the client, a broker, and sometimes a reinsurer. Using manual or paper-based invoicing increases the risk of delays, missing information, and compliance issues with the FTA.

E-invoicing helps insurers address these challenges in a structured way:

• Faster premium collection – B2B and B2G invoices reach clients instantly through the Peppol network, reducing payment delays.  
• Compliance with FTA rules – All required invoice elements and formats are automatically applied during generation.  
• Lower error rates – Automated validation flags missing or incorrect data before submission.  
• Hassle-free supplier billing – Even insurers serving only individual customers can receive purchase documents from suppliers through Peppol without manual processing.  
• Efficient audit preparation – Digital storage of invoices and related records makes audit checks straightforward.

How It Works in Practice

A health insurance provider in the UAE issues a group policy invoice to a corporate client under a B2B arrangement. The invoice is created in structured XML format, validated according to FTA rules, and sent to the client through the Peppol network. In real time, the insurer receives an e-invoice from its IT services vendor via Peppol. Both documents are stored in the insurer’s system, creating a complete, compliant record without extra steps from the finance team.

How Flick Helps UAE Insurers with E-Invoicing

Automatic FTA and Peppol Integration
 Flick connects directly to the FTA and Peppol network without additional setup, allowing invoices to move from your billing system to the recipient securely and automatically.

Pre-submission Validation
 Each invoice is checked against the FTA’s XML schema and tax rules. Flick highlights missing fields, incorrect codes, or calculation errors so they can be corrected immediately.

Simplified Credit Note Handling
 When a policy is updated or cancelled, Flick generates a credit note linked to the original invoice. The document is validated and delivered through Peppol in the same compliant format.

Centralised Archive
 All invoices, credit notes, and submission receipts are stored securely along with FTA-issued metadata, meeting the five-year retention requirement.

Real-time Status Tracking
 Flick displays the delivery stage of each document, from validation to buyer confirmation. Users can track multiple invoices in one dashboard without logging into separate systems.

Learn more at flick network.

Step-by-Step E-Invoicing Process for Insurers with Flick

1. Register for VAT with the FTA
    Create a VAT account on the FTA portal before starting e-invoicing. Flick maps your client and supplier database to align with FTA requirements.  
2. Connect to Peppol
    The FTA mandates Peppol for both sending and receiving invoices. Flick is an accredited Peppol service provider, ensuring secure, compliant transfers.  
3. Update your invoicing system
    Capture required data such as TRN, supply date, recipient details, invoice codes, and VAT breakdowns. Flick formats all invoices in Peppol PINT AE XML according to FTA requirements.  
4. Validate before sending
    Flick checks each invoice against the FTA XML schema and tax rules before submission.  
5. Send via Peppol and get confirmation
    Invoices are sent through Peppol, validated in real time by the FTA, and tracked with a unique status ID for audit purposes.  
6. Maintain digital records
    Store validated invoices, credit notes, and submission logs for at least five years. Scans or PDFs alone do not meet compliance standards.  
7. Manage corrections and cancellations
    Credit notes are automatically validated and linked to the original invoice before submission through Peppol.

Top ERP & Accounting Software in UAE Insurance Industry

Insurance firms in the UAE rely on ERP and accounting platforms to manage policy issuance, premium collection, claim settlements, and vendor payments. These systems handle multi-party workflows and ensure compliance with federal rules.  flick network  will integrate with each ERP through APIs to generate invoices in FTA-approved XML, validate them in real time, and deliver securely on the Peppol network.

SAP Business One / SAP S/4HANA

SAP is used by mid to large insurers for finance, claims accounting, and multi-currency operations. It has strong VAT compliance features. Flick Network will connect with SAP to automate invoice generation and submission so that all documents meet FTA standards.

Oracle NetSuite

NetSuite is a cloud ERP that fits fast-growing insurers. It provides multi-entity finance, vendor billing, and dashboards for reporting. Flick Network will integrate with NetSuite to create XML invoices, validate tax details, and deliver them to clients and the FTA in real time.

Microsoft Dynamics 365

Dynamics 365 combines ERP and CRM functions. It is used by insurers for policy management, client records, and finance. Flick Network will automate invoice creation on Dynamics, validate XML, and send files through Peppol without affecting existing processes.

Odoo

Odoo is a modular ERP for SMEs that need flexible and low-cost solutions. It is used by insurers for finance and operations. Flick Network will integrate with Odoo to automate XML invoice generation and validation so compliance becomes simple.

Tally Solutions

Tally is preferred by small and medium insurers for accounting and reporting with VAT features. Flick Network will transfer invoices from Tally, convert data into XML, and submit them on the FTA platform.

Sage Intacct

Sage Intacct is a cloud finance tool used by mid-market insurers for financial operations and reporting. Flick Network will integrate with Sage Intacct to automate invoice creation, validation, and submission through Peppol.

Focus 9

Focus 9 is designed for GCC regulations and is used by insurers who need ERP with native VAT compliance. Flick Network will connect with Focus 9 to generate XML invoices and automate e-invoicing workflows.

ERPNext

ERPNext is an open-source ERP with modules for accounting, CRM, and HR. It is chosen by cost-sensitive insurers. Flick Network will integrate with ERPNext to automate XML invoice generation and FTA validation while keeping records ready for audit.

Conclusion

From 1 January 2027, UAE e-invoicing is mandatory for insurers in all B2B and B2G transactions. Businesses can voluntarily opt in from July 2026 to test systems, train staff, and streamline billing. Connecting to the FTA platform ensures faster processing, accurate reporting, smooth audits, and compliance. As a pre-approved e-invoicing provider by the Ministry of Finance (MoF) and the Federal Tax Authority (FTA), Flick ensures invoices are validated, formatted, and securely stored, helping insurers avoid errors and meet all regulatory requirements.

To see how Flick can simplify e-invoicing for your insurance business, visit  flick network .

FAQs

1. How do insurers start UAE E-invoicing?
 By registering on the Federal Tax Authority portal and integrating their invoicing system.

2. Are B2B and B2G invoices mandatory under UAE E-invoicing?
 Yes, they must be issued electronically through the Peppol network.

3. Do B2C-only insurers need UAE E-invoicing?
 Yes, to receive supplier purchase documents through Peppol.

4. Can credit notes be sent through UAE E-invoicing?
 Yes, credit notes for B2B and B2G transactions follow the same process.

5. Does Flick manage compliance for UAE E-invoicing?
 Yes, it handles validation, submission, and archiving.