Best Car Insurance Companies in UAE and Dubai (2026)
Ratings, ownership and motor features checked against insurers’ own pages, AM Best and S&P announcements, and 2025 to 2026 financial results, October 2026. Features change between plans, so confirm the policy wording before you buy.
Every UAE insurer must price car insurance inside the same Central Bank range. So the cheapest quote rarely decides which company is best. What matters is what happens after an accident: whether the insurer can pay, how long it repairs your car at the dealer, whether Oman is covered and how fast a replacement car arrives. This guide compares the best car insurance companies in Dubai and across the UAE on those points, using 2025 and 2026 ratings and results.
How This Comparison Works
The 8 insurers below are listed in order of financial strength, the clearest public measure of an insurer’s ability to pay claims. Each one was then compared on 4 more points:
- Agency repair period: How many years the brand’s dealer repairs your car
- Oman and GCC cover: Included, optional or not offered
- Extras: Roadside assistance, replacement car, personal accident and flood cover
- Digital service: Online purchase, renewal and claims tracking
Prices are not compared, because every insurer prices inside the same Central Bank of the UAE (CBUAE) range. The official limits and discounts are covered in the UAE car insurance guide.
Best Car Insurance Companies in UAE at a Glance
| Order | Insurer | Financial strength (latest) | Agency repair | Oman cover | Roadside |
| 1 | Tokio Marine | Parent AM Best A++ (Sept 2025) | Up to 3 to 5 years | Own damage only | 600 50 8181 |
| 2 | Orient Insurance | AM Best A, ICR a+ (July 2026) | Up to 3 years | Own damage included | 600 50 8181 |
| 3 | GIG Gulf (formerly AXA) | AM Best A, ICR a+ (Oct 2025) | Up to 5 years | Included, with Orange Card | 800 292 |
| 4 | ADNIC | AM Best A (Sept 2025) | Selectable on Gold and Silver | Claims in Oman and other GCC states | Recovery 800 4405 |
| 5 | Sukoon | S&P A, stable (Aug 2025) | For newer cars | Check the policy wording | 800 6565 |
| 6 | AFNIC | AM Best B++ (Oct 2025) | About 2 years | Via Orange Card | 800 23642 |
| 7 | RAK Insurance | No public rating found | Up to 25 months | Third party via Orange Card | 600 575 751 |
| 8 | Methaq Takaful | No public rating found | Not published | Paid add-on | 600 565 695 |
Tokio Marine and Orient Insurance share the roadside number 600 50 8181 because Al-Futtaim is Tokio Marine’s local agent and Orient’s owner.
Best Car Insurance in the UAE by Need
| If you want | Strong choices |
| The strongest finances | Tokio Marine, Orient Insurance |
| The longest agency repair | GIG Gulf (up to 5 years) |
| Oman cover included | Orient Insurance, GIG Gulf |
| An Abu Dhabi insurer | ADNIC |
| Takaful (Sharia-compliant) cover | Methaq Takaful, Salama, Watania |
| A Northern Emirates insurer | AFNIC (Fujairah), RAK Insurance |
1. Tokio Marine (UAE Branch)
Japan’s Tokio Marine & Nichido Fire Insurance has operated in the UAE since 1976, with Al-Futtaim as its local agent. Its parent holds an AM Best A++ (Superior) rating, affirmed in September 2025. That is the highest financial strength rating among the insurers in this guide.
| Tokio Marine detail | Fact |
| In the UAE since | 1976 |
| Parent founded | 1879, Tokyo |
| Rating (parent) | AM Best A++, September 2025 |
| Contact | Sales 800 8663; claims 600 50 3030 |
Tokio Marine car insurance comes in 3 plans:
- Tokio Must: Comprehensive cover
- Tokio Smart Plus: Comprehensive cover with free agency repair for 3 years
- Tokio Third Party: The legal minimum
Comprehensive plans include free 24/7 roadside assistance, rental car cover, storm and flood cover, and a new car if yours is written off in its first 6 months. Oman cover is own damage only, so Oman third party cover is bought at the border.
2. Orient Insurance (Al-Futtaim)
Orient Insurance is the largest insurer in the UAE by insurance service revenue, according to AM Best in July 2026. The Al-Futtaim Group owns it, and its shares trade on the Dubai Financial Market (DFM: ORIENT).
| Orient detail | Fact |
| Founded | 1980 (operations from 1982) |
| Headquarters | Dubai Festival City |
| Owner | Al-Futtaim Group |
| Rating | AM Best A (Excellent), ICR a+, July 2026 |
| 2025 net profit | AED 836 million |
| Contact | 800 ORIENT (800 674368) |
Orient’s motor plans include:
- Comprehensive, third party and fleet cover, sold online
- Agency repair for up to 3 years
- Own-damage cover and roadside assistance in Oman
- Free 24-hour roadside assistance
- Optional personal accident cover of AED 200,000 per person
- Optional replacement car for 7, 10 or 14 days
- Natural perils cover on comprehensive plans
Oriental Car Insurance: Orient vs The Oriental Insurance Company
Many drivers search for “oriental car insurance” and mean 1 of 2 different companies:
- Orient Insurance (Al-Futtaim) is active and sells car insurance online in the UAE.
- The Oriental Insurance Company, owned by the Government of India, put its Dubai office into run-off on 7 August 2025 after a Central Bank suspension. It sells no new UAE motor policies, but existing policies are serviced until they expire. Its customer care line is 800 628873.
If you hold an Oriental Insurance Company policy, move to another insurer at renewal and take your no-claims letter with you.
3. GIG Gulf (Formerly AXA Gulf)
GIG car insurance replaced AXA car insurance in the UAE. Gulf Insurance Group completed its purchase of AXA Gulf on 7 September 2021, in a US$474.75 million deal that also covered AXA’s Saudi business. The AXA brand ended in the UAE in June 2022, and AXA-branded policies stayed valid until they expired.
| GIG Gulf detail | Fact |
| Group founded | 1962, Kuwait |
| Owner | Gulf Insurance Group, 97% owned by Fairfax Financial |
| Rating | AM Best A, ICR a+, October 2025 |
| Contact | 800 292; claims +971 4 513 9999 |
GIG Gulf’s motor cover includes:
- Agency repair for up to 5 years, the longest in this guide
- Oman cover with a downloadable Orange Card
- 24/7 roadside assistance
- Driver personal accident cover from AED 200,000 to AED 350,000
- Storm and flood cover on comprehensive plans
- A war cover add-on at 0.5% of the premium
- Buying, renewing and claims tracking in the MyGIG Gulf app
4. ADNIC (Abu Dhabi National Insurance Company)
Abu Dhabi National Insurance Company was the first insurer licensed in Abu Dhabi, founded by Emiri Decree in 1972. Its shares trade on the Abu Dhabi Securities Exchange (ADX: ADNIC), and AM Best ranks it second among listed UAE insurers by revenue.
| ADNIC detail | Fact |
| Founded | 1972 |
| Headquarters | Abu Dhabi |
| Rating | AM Best A, September 2025 |
| 2025 net profit | AED 479.9 million |
| Contact | 800 8040 (contact centre and motor claims) |
ADNIC car insurance comes in 3 plans:
- Gold: Comprehensive cover with third party liability up to AED 3.5 million, above the AED 2 million legal minimum
- Silver: Comprehensive cover at a lower price
- Third party liability: The legal minimum
Plans let you choose agency repair, include a replacement car subject to terms and cover accident recovery on 800 4405. Accidents in Oman, Bahrain, Qatar and Kuwait can be claimed through local claims lines. Quotes, renewals and motor claims all work online.
5. Sukoon Insurance (Formerly Oman Insurance)
Oman Insurance Company launched the Sukoon brand in October 2022 and changed its legal name to Sukoon Insurance PJSC in January 2024. Existing Oman Insurance policies stayed valid, so Sukoon car insurance is the same cover under a new name. Mashreq Bank owns 64.76% of the company.
| Sukoon detail | Fact |
| Founded | 1975, Dubai |
| Listing | DFM: SUKOON |
| Owner | Mashreq Bank (64.76%) |
| Rating | S&P A, stable, August 2025 |
| 2025 results | Profit before tax AED 428 million; premiums over AED 7 billion |
| Contact | 800 SUKOON (785666); roadside 800 6565 |
Sukoon’s motor range covers:
- Comprehensive, third party, war risk and fleet plans
- Online purchase and a garage locator
- Approved workshops including AG Cars and Tesla-approved repairers
- Agency repair for newer cars, with replacement car and off-road add-ons
- Policy and claims tracking in the mySukoon app
Oman cover is not listed on Sukoon’s main motor page, so check the policy wording before an Oman trip.
6. AFNIC (Al Fujairah National Insurance Company)
Al Fujairah National Insurance Company is the only UAE insurer headquartered in Fujairah. Founded in 1976, it trades on ADX (ticker AFNIC), and the Government of Fujairah owns about 80% of it.
| AFNIC detail | Fact |
| Founded | 1976 |
| Owner | Fujairah Government (80.07%) |
| Rating | AM Best B++, outlook stable, October 2025 |
| Contact | 800 AFNIC (800 23642) |
AFNIC car insurance includes:
- Comprehensive cover with agency or garage repair, with agency repair usually for about 2 years
- Third party liability cover
- Driver and passenger cover up to AED 200,000
- Oman cover through the Orange Card
- Roadside assistance and natural disaster cover
AM Best noted in October 2025 that AFNIC’s motor business was underperforming, so compare its claims service with the larger insurers.
7. RAK Insurance
Ras Al Khaimah National Insurance Company sells RAK car insurance. It was incorporated in 1976, trades on ADX (ticker RAKNIC) and is 79.23% owned by RAKBANK. Its profit after tax rose to AED 28.6 million in the first half of 2026, up from AED 24.1 million a year earlier.
| RAK Insurance detail | Fact |
| Founded | 1976 |
| Owner | RAKBANK (79.23%) |
| First half 2026 profit | AED 28.6 million |
| Contact | 800 RAKI (800 7254); roadside 600 575 751 |
Comparison sites list these motor features:
- Agency repair for up to 25 months, then approved garages up to year 5
- Oman third party cover through the Orange Card
- Roadside assistance in the UAE and Oman
- A hire car for 5 to 15 days
- Off-road cover and a free 13th month on claim-free renewal
8. Methaq Takaful Insurance
Methaq Takaful Insurance offers Sharia-compliant cover from Abu Dhabi. Founded in 2008, it trades on ADX (ticker METHAQ). Methaq car insurance suits drivers who want takaful cover from a smaller local provider.
| Methaq detail | Fact |
| Founded | 2008, Abu Dhabi |
| Type | Takaful (Sharia-compliant) |
| Latest published annual result | Net loss of AED 80.95 million (2024) |
| Contact | 600 565 695 |
You can get a quote by uploading your Emirates ID, licence and Mulkiya, and file claims online. Comparison sites list a replacement car for up to 7 days, roadside assistance and an Oman extension of about AED 300. Methaq raised new capital through a rights issue in March 2025 after its 2024 loss, which places it last in this guide on financial strength.
Other Car Insurance Companies in the UAE
| Insurer | Founded | Listing | Notable motor feature |
| Salama | 1979 | DFM: SALAMA | Takaful cover with off-road assistance and vehicle recovery |
| Dubai Insurance | 1970 | DFM: DIN | Personal accident included on comprehensive |
| Al Ain Ahlia | 1975 | ADX: ALAIN | Agency repair and a replacement car |
| Liva (formerly RSA and NLGIC) | Brand from 2023 | Not listed in the UAE | 2 years of agency repair, extendable |
| Watania | Merged 2022 | DFM: WATANIA | New-car replacement on total loss within 6 months |
| Dubai National Insurance (DNIR) | 1992 | DFM: DNIR | Off-road cover for 4WDs |
| Emirates Insurance | 1982 | ADX: EIC | Premium Mumayaza plan; AM Best A- |
| Al Sagr National Insurance | 1979 | DFM: ASNIC | Agency repair up to 3 years, Oman add-on |
| Qatar Insurance (QIC) | Qatar group | UAE branch | Zero-depreciation add-on |
How to Choose the Best Car Insurance in Dubai
The best car insurance in Dubai depends on your car’s age and how you drive. Use these 5 rules:
- New car (under 3 years): Choose comprehensive cover with agency repair.
- Car aged 3 to 6 years: Choose comprehensive cover with approved garage repair to save on the premium.
- Older, low-value car: Third party cover usually makes more sense.
- Regular Oman trips: Pick an insurer that includes Oman own-damage cover.
- Large SUV used off-road: Check for off-road cover, because the standard policy excludes it.
Always read the excess, the agency repair period and the replacement car limit before you pay.
How to Switch Car Insurance Companies
Switching insurers keeps your discount if you follow 4 steps:
- Ask your current insurer for a free claims-experience (no-claims) letter.
- Compare quotes 2 to 4 weeks before your policy ends.
- Buy the new policy with your Emirates ID, licence, Mulkiya and no-claims letter.
- Confirm the new policy appears on your vehicle record.
The guide to check insurance status shows how to confirm it on the RTA, TAMM and MOI apps.
