Car Insurance Dubai, Sharjah, Abu Dhabi, UAE | Motor Insurance |
Here’s what you’ll love about our motor and car insurance
Whether you drive a supercar or a family runaround, our choice of trusted car insurance plans has got you covered. We’ve built our policies to match your needs, to make it quick and easy to buy the right car insurance at the best price. There are lots of great reasons why our customers choose us for their car insurance. We’ll help you to safeguard the residual value of your car with options for repairs to be carried out at your vehicle’s dealership (agency repairs). We also have a choice of approved garages for outside agency repairs for your convenience.
Gold
About your vehicle
Your car is your pride and joy and you want to make sure it stays as good as new.
OUR COVER
Our Gold policy is our motor insurance plus option, with additional benefits for extra reassurance and third party liability cover up to AED 3,500,000.
Standard
About your vehicle
You want value for money and security that you’re covered for any accidents.
OUR COVER
Our car insurance standard policy gives you the basic level of cover with third party liability property damages up to AED 2,000,000.
Third Party Liability
About your vehicle
You want the minimum cover for your car to suit your needs.
OUR COVER
Our third-party liability policy is the minimum mandatory requirement in the UAE that covers damages up to AED 2,000,000 for third-party and doesn't cover you or your vehicle if any damage occurs.
Our garage network
Sit back and enjoy the ride, ADNIC’s large garage network can leave you satisfied that should you need it, there will be a garage close to you.
View NetworkOur Promise to you with our car insurance policies
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Quick and easy claims Get straight through to our friendly team, who are available 24/7 to process claims quickly and easily.
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Customisable policies Customize your car insurance policy to match your needs, for example if you drive an imported or modified vehicle.
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Replacement car All our car insurance plans guarantee a replacement car while yours is off the road, for your convenience.
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Repairs at official dealerships Have work carried out at the official car dealership to help maintain your car’s value.
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FAQ's
VIEW ALL FAQ'SWhat do I do if I get into an accident outside of the UAE?
If you ever have a car accident whilst travelling outside the UAE, in either Oman, Bahrain, Qatar or Kuwait, we are here for you. If you would like to open your claim and have the vehicle repaired right where you are, you can do so by contacting our Car Insurance Claims Department in any of these countries, at the following numbers:
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UAE
+971 2 408 0100
24 Hours -
Oman
+968 2 478 7828 -
Bahrain
+973 1 778 8788 -
Qatar
+974 4 466 2025 -
Kuwait
+965 1 888 444
Why am I being charged with multiple excess?
The policy excess applies to non-recoverable claims, which you can read more about in your policy schedule. If you report multiple claims at the same time in which your vehicle was at fault or the third party is unknown, a separate excess will be applied for each claim.
However, in certain scenarios multiple excess deductibles can be charged on the same claim depending on the car insurance policy terms & conditions and the nature of the damages reported.
An additional excess may apply in one of the following scenarios:
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Your policy includes a clause for additional excess deductible in case of off-road
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The driver at the time of the accident was under the age of 25
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Multiple damages due to unknown third parties, each individual damage reported may be subject a separate excess
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For vehicles more than one year old, if the repair requires parts replacement you are entitled to reclaimed parts. However, should you request brand new parts a depreciation of 5% for ever year up to a maximum of 30% of the cost of the parts will be applicable.
How do I report a motor or car insurance claim?
To report a motor-related claim, you can simply call the ADNIC Motor Insurance Claims toll free number 800 8040 at any time, to open your claim. You can also submit your claim online or visit our ADNIC office and report your claim in person.
We will record details of the incident and then get back to you with the next steps.
Once your claim is opened, you will get a text message from us. This will contain a claim reference number and the contact details of a garage that is most appropriate to your policy and insured vehicle.
How do I cancel my car insurance policy?
In case you wish to cancel your existing policy with us, please feel free to reach out to any of our offices or call our contact center at 8008040
How can I pay the excess?
You can pay the excess directly at the agency or workshop’s customer service.
How can I stay updated on my car repair?
You can always call one of our six branches, at the following numbers:
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HEAD OFFICE
+971 2 408 0100
24 Hours -
DUBAI BRANCH
+971 4 515 4851
From 8am to 4pm -
SHARJAH BRANCH
+971 6 568 3743
From 8am to 4pm
AL AIN BRANCH
+971 3 764 1834
From 8am to 4pm
How do I recover my car from the place of accident?
You can call 8004405 to help you with recovery.
Which garages will you use to repair my vehicle?
If you have selected Agency Repairs, then your vehicle will be repaired at the authorized dealership of that vehicle.
Otherwise, we will select one of our own authorized repairers. Always be assured that we use the highest quality garages that adhere to our strict quality controls.
What documents do I need to report a claim?
You will need:
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Original police report
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Copy of the registration card
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Copy of the driving license
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ID Copy
