ADNIC
ADNIC is an Abu Dhabi insurer set up in 1972 and listed on the Abu Dhabi Securities Exchange. It sells car, health, home, travel and other insurance to people and businesses, and lists 13 offices in the UAE. Its largest shareholder is Mamoura Diversified Global Holding, which is owned by Mubadala.
Out of 5 from 2,358 Google reviews across 13 offices
- App Store4.76,739 ratings
- Google Play4.64,681 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about ADNIC
ADNIC averages 3.5 out of 5 across 2,358 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Counts come from the 71 reviews we read that are about car insurance, most from 2024 to 2026.
What customers praise
Staff quick and helpful when buying or renewing10 of 71
She provided outstanding service by clearly explaining the insurance benefits and the correct renewal process.
Claim or repair went smoothly5 of 71
Today visited the ADNIC Centre, got a good experience from customer care about a claim for my car
What customers complain about
Slow claims and repairs, and hard to reach20 of 71
my car is been stuck since 15 days in the garage and they’re not even starting the process to approve the claim
Slow replies or changing prices when buying or renewing15 of 71
I have paid for motor insurance renewal for my car before the expiry but the policy is not renewed after many days.
Disputes over what a claim covers or pays7 of 71
ADNIC did not include a considerable portion of the damages in their scope of work that were MENTIONED IN THE ACCIDENT REPORT.
Delays with a replacement car or recovery truck6 of 71
Needed car replacement and now 3 days without a car !
Read the Google reviews for each office
ADNIC car insurance
ADNIC sells comprehensive car insurance in two plans, Gold and Silver, plus Third Party Liability cover. It also sells motor fleet insurance to businesses. ADNIC's brochure uses the plan names Standard, Gold and Platinum, and ADNIC does not say how these match the plans on its motor page, so check your policy schedule.
| Plan | Type | What it is |
|---|---|---|
| Gold | Comprehensive | Described as the plus option with additional benefits. Third party liability up to AED 3,500,000. The same page's search summary says up to AED 5,000,000 without naming a plan. The brochure lists that limit on Platinum, which the motor page does not show.2 |
| Silver | Comprehensive | Described as the standard policy with a basic level of cover. Third party property damage up to AED 2,000,000.2 |
| Third Party Liability | Third party | ADNIC describes it as the minimum mandatory cover in the UAE. Covers third party damage up to AED 2,000,000 and does not cover you or your vehicle.2 |
| Motor Fleet | Other | For businesses. Comprehensive and third party plans, plus Orange Card cover for UAE vehicles travelling to Arab countries.20 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Optional extra | ADNIC offers repair at your car's dealership as an option. If you did not choose it, ADNIC picks one of its own approved repairers.2 |
| Age limit for agency repair | Depends on plan | On the brochure's Standard, Gold and Platinum plans: up to 1 year, 3 years and 5 years, for brand new vehicles. ADNIC's motor fleet table, for businesses, gives 1, 2 and 3 years.19 |
| Approved garages | Included | The network page lists 83 workshops across the emirates, marked Premium or Standard.23 |
| Roadside assistance | Included | The brochure lists towing to the nearest garage, battery jump start, flat tyre change, help when keys are locked in, and fuel delivery where you pay for the fuel. It also lists one free car registration service, booked 48 hours ahead.19 |
| Ambulance cover | Included | The brochure lists ambulance charges up to AED 6,770 per injured person, for transfer from the accident to a hospital.19 |
| Replacement car | Depends on plan | ADNIC's motor page says its plans give a replacement car while yours is off the road, subject to terms. On the brochure's Standard, Gold and Platinum plans: AED 90, AED 140 and AED 200 a day, up to 15 days a year. Applies only if listed on your schedule.19 |
| Personal accident cover for driver and passengers | Depends on plan | On the brochure's Standard, Gold and Platinum plans: optional on Standard, free on Gold and Platinum. Up to AED 200,000. ADNIC's motor fleet table, for businesses, says optional at a reduced premium on Gold.19 |
| Oman cover | Depends on plan | On the brochure's Standard, Gold and Platinum plans: own damage in Oman is included if listed on your schedule. Third party cover in Oman is optional, and free on Platinum.19 |
More cover details (17)
| Cover | With this insurer | Details |
|---|---|---|
| GCC cover | Optional extra | On the brochure's Standard, Gold and Platinum plans: extension for own damage and third party, excluding Saudi Arabia. Optional on Standard and Gold, free on Platinum.19 |
| Off-road cover | Depends on plan | For private 4WD SUVs only, if listed on your schedule. Racing, competitive events and dune bashing are out of scope. Excess is AED 2,500 with a minimum of 10% of the claim on Standard, AED 2,000 with the same minimum on Gold, and AED 1,500 on Platinum. The brochure also says double the standard excess.19 |
| Natural disaster and flood cover | Depends on plan | The brochure's policy wording excludes natural disasters unless added. Its extension, if listed on your schedule, covers flood, provided the vehicle is not driven, plus storm, hurricane, volcano and earthquake, and its benefits table ticks this on Platinum only. An ADNIC article of 14 May 2025 says comprehensive insurance covers floods, earthquakes and hurricanes. ADNIC's motor fleet table, for businesses, covers natural perils on all three plans. Check your policy schedule.19 |
| Windscreen | Included | On the brochure's Standard, Gold and Platinum plans: Standard needs a police report and the excess applies, on Gold the excess applies, on Platinum there is no excess. ADNIC's motor fleet table, for businesses, says no excess on Gold or Platinum.19 |
| New car replacement | Depends on plan | If a first-hand car from an authorised dealer is a total loss and under 6 months old on Gold or 12 months old on Platinum, ADNIC pays for a brand new model or the original price, whichever is lower. One claim per policy year.19 |
| Excess | Depends on plan | The excess applies to non-recoverable claims. Each at-fault or unknown third party claim reported at the same time carries its own excess. You pay it at the agency or workshop.2 |
| Maximum standard excess | Included | The policy wording sets a maximum per accident for private cars by value: AED 350 up to AED 50,000, AED 700 up to AED 100,000, AED 1,000 up to AED 250,000, AED 1,200 above that, and AED 1,400 above AED 500,000.19 |
| Young driver terms | Depends on plan | An additional excess may apply if the driver is under 25. The policy wording sets it at up to 10% of the compensation.19 |
| Extra excess on sports and modified cars | Depends on plan | The policy wording allows an extra excess of up to 15% of the compensation for sports cars and modified cars, and up to 20% for cars modified outside the factory. If several apply, the highest percentage is used.19 |
| New parts on older cars | Depends on plan | For cars over one year old, you are entitled to reclaimed parts. If you ask for brand new parts, depreciation of 5% a year applies, up to 30% of the cost of the parts.2 |
| 24-hour claims line | Included | Call 800 8040 at any time to open a motor claim.2 |
| Imported or modified cars | Depends on plan | ADNIC says it can tailor a policy for an imported or modified vehicle.2 |
| Personal belongings | Depends on plan | On the brochure's Standard, Gold and Platinum plans: not on Standard, up to AED 5,000 on Gold, up to AED 10,000 on Platinum. ADNIC's motor fleet table, for businesses, gives AED 4,000, AED 5,000 and AED 6,500.19 |
| Emergency medical expenses | Depends on plan | On the brochure's Standard, Gold and Platinum plans: not on Standard, up to AED 5,000 on Gold, up to AED 10,000 on Platinum. ADNIC's motor fleet table, for businesses, gives AED 3,500, AED 5,000 and AED 6,500.19 |
| Replacement locks and keys | Depends on plan | On the brochure's Standard, Gold and Platinum plans: not on Standard, up to AED 1,000 on Gold, up to AED 5,000 on Platinum. ADNIC's motor fleet table, for businesses, gives none on Standard, AED 1,000 on Gold and AED 2,500 on Platinum.19 |
| Valet parking theft | Depends on plan | Covers theft while a hotel or shopping mall has the car through its authorised driver. Applies only if listed on your schedule.19 |
| Track day cover | Depends on plan | Platinum only, at Dubai Autodrome and Yas Marina. Excess is 10% of the claim, with a minimum of double the policy excess.19 |
Published prices
- The brochure lists personal accident cover on the Standard plan at AED 60 for the driver and AED 30 per passenger.19
Check before you buy
- Natural disasters such as floods and earthquakes are excluded unless your policy adds the cover. An ADNIC article of 14 May 2025 says comprehensive insurance covers them. Check your policy schedule.19
- Damage off the road is excluded unless a rider extends the policy.19
- Damage outside the policy territory is excluded unless a rider extends it.19
- Damage is excluded if the driver has no valid licence for the vehicle, or is under the influence of alcohol or drugs.19
- Tyre damage is excluded unless the car is damaged at the same time.19
- Indirect losses and loss of value caused by use, breakdown or faults in mechanical or electrical parts are excluded.19
- War, warlike operations, strikes and civil commotion are excluded. The brochure's benefits table ticks a strike, riot and civil commotion extension on Platinum only.19
Policy documents
- ADNIC Motor Policy BrochureBrochure
How to claim with ADNIC
- Claims phone8008040
- Roadside help8004405
- Claims emailmotorclaims@adnic.ae
- Claim onlineOpen claim page
ADNIC's motor page gives this number for recovering your car from the place of an accident. Its brochure says to call 800 8040 for free towing.2
Steps
- Get a police or Saaed report.3
- Report the claim by phone, email or online.3
- You can also report it in person at an ADNIC office.2
- Send the documents ADNIC asks for.3
- Wait for ADNIC to record the details and assess your case.3
- Look out for an SMS with your claim reference number and repair workshop details.3
- Use the reference number to track your claim.3
- Pay any excess at the agency or workshop.2
- The SMS with your claim reference and workshop details comes within a couple of days of the claim being opened.3
- ADNIC says it registers a complaint within 1 working day and gives an outcome within 5 working days.21
Not happy with a claim? Complain to ADNIC at contactcenter@adnic.ae first. How to take a complaint to Sanadak.
About ADNIC
- Legal name
- Abu Dhabi National Insurance Company
- Founded
- 19725
- Type
- Conventional insurer. It writes insurance and reinsurance of all classes.8
- Owner
- A listed company. Mamoura Diversified Global Holding PJSC holds 24.77%, Khalaf Bin Ahmed Al-Otaibah 10.11% and S B R Investment LLC 7.37%. The rest, 57.75%, is held by others. Mamoura is wholly owned by Mubadala. ADNIC's 2025 accounts say the Government of Abu Dhabi holds 24% through Mamoura.6
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker ADNIC25
- Headquarters
- ADNIC Building, Khalifa Street, Abu Dhabi8
- UAE branches
- The contact page lists 13 offices: 8 in Abu Dhabi, 3 in Al Ain, 1 in Dubai, 1 in Sharjah. The motor page says six branches.4
- Also sells
- Health, Home, Travel, Personal accident, Personal watercraft, Business insurance27
- Central Bank
- Listed in the CBUAE register, September 2026, number 11
Financial strength
Profit after tax for H1 2026 was AED 201 million, down from AED 235.3 million, and the group cited provisions for geopolitical risks, flood claims and investment volatility. The surplus over its solvency capital requirement was AED 825.7 million at 31 March 2026, down from AED 1,818.3 million at 31 December 2025. Gross premiums for 2025 are AED 8.5 billion in the directors' report and AED 8,619 million in the March 2026 investor presentation.
Awards
Recent news
- AM Best keeps ADNIC at A (Excellent)
AM Best affirmed the rating with a stable outlook and assessed the balance sheet as very strong.12
- ADNIC reports lower first-half profit
Profit after tax was AED 201 million for the six months to 30 June 2026, against AED 235.3 million a year earlier, on gross premiums of AED 6,135.4 million.15
- ADNIC names an acting chief executive
Jugal Madaan became Acting CEO after Charalampos Mylonas resigned on 4 June 2026.14
- S&P keeps ADNIC at 'A' and flags car parts costs
S&P affirmed the rating with a stable outlook and said a longer closure of the Strait of Hormuz could raise spare car part costs and affect the motor line.13
- ADNIC opens a branch in India
ADNIC's branch in GIFT City, Gujarat, became fully operational on 1 April 2026.7
Contact ADNIC
- Phone024080100
- Toll free8008040
- WhatsApp+97124080900
- Emailinfo@adnic.ae
- HoursMonday to Thursday 8am to 5pm, Friday 8am to 12pm
- Head officeKhalifa Bin Zayed The First St, Abu Dhabi. P.O. Box 839.
Branches (13)
| Branch | Address | Phone |
|---|---|---|
| ADNIC Head Office | Khalifa Bin Zayed The First St, Abu Dhabi | 024080100 |
| Mussafah Branch | Musafah Industrial, M4, Near Mar Thoma Church, Abu Dhabi | 024080696 |
| Abu Dhabi Branch | Abu Dhabi Traffic Police Vehicle Test Section | 024080578 |
| Mahawi Office | Abu Dhabi Traffic Police Department, Vehicle Inspection Centre, Abu Dhabi - Al Ain Highway | 026585158 |
| Samha Traffic Branch | Samha ADNOC Station | 025620162 |
| Al Shamkha Branch | ADNOC Service Station | 024080576 |
| Ruwais Branch | Ruwais City, Al Dhannah Mall, K05 Kiosk, Ground Floor | 028772123 |
| Al Bahia Branch | Deerfields Townsquare Shopping Center, KG23 Kiosk, Garden Level | 024080950 |
| Al Ain Branch 1 | Khalaf Bin Ahmad Al Otaibah Building | 037641834 |
| Al Ain Branch 2 | Al Ain Traffic Police Department, Zakher | 037828666 |
| Al Ain Mizyad Branch | Abu Dhabi Traffic Police Dept.. ADNIC's contact page prints this 02 number. Its Google Maps listing shows 03 782 4250. | 027824250 |
| Dubai Branch | Dubai Supreme Court Complex, Umm Hurair 2. The contact page gives this number. The motor page gives 04 515 4851. | 045154850 |
| Sharjah Branch | Al Hosn Tower, Showroom No.2, Building 617/A, Al Ittihad Street | 065683743 |
Common questions
Who owns ADNIC?
ADNIC is listed on the Abu Dhabi Securities Exchange. Its largest shareholder is Mamoura Diversified Global Holding with 24.77%, and Mamoura is wholly owned by Mubadala.6
What is the ADNIC car insurance claim number?
Call 800 8040 at any time, or email motorclaims@adnic.ae. You can also claim through the online portal or at an ADNIC office.3
What documents do I need for an ADNIC car claim?
You need your policy number, a police or Saaed report, car registration card, driving licence, incident details and a claim form. The motor page also asks for an ID copy.3
Does ADNIC offer agency repair?
Yes, as an option. Without it, ADNIC selects one of its own approved repairers.2
What if I have an accident in Oman or another Gulf country?
Call ADNIC's claims department where you are: Oman +968 2 478 7828, Bahrain +973 1 778 8788, Qatar +974 4 466 2025, Kuwait +965 1 888 444. Its 24-hour UAE number from abroad is +971 2 408 0100.2
How do I get my car recovered after an accident?
ADNIC's motor page says to call 8004405 for recovery from the place of the accident. Its brochure says to call 800 8040 for free towing.2
How do I complain about ADNIC?
Use the complaint form on its website, call 800 8040 or email contactcenter@adnic.ae. ADNIC says it gives an outcome within 5 working days, and you can then go to Sanadak.21
Sources
31
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2ADNIC, Motor Insurance. Last checked 5 Nov 2026. Source document: Motor Insurance
3ADNIC, Motor Claims. Last checked 5 Nov 2026. Source document: Motor Claims
4ADNIC, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
5ADNIC, About us. Last checked 5 Nov 2026. Source document: About us
6ADNIC, Investor Relations. Last checked 5 Nov 2026. Source document: Investor Relations
7ADNIC, Consolidated financial statements, 30 June 2026. Last checked 5 Nov 2026. Source document: Consolidated financial statements, 30 June 2026
8ADNIC, Consolidated financial statements, FY 2025. Last checked 5 Nov 2026. Source document: Consolidated financial statements, FY 2025
9ADNIC, Investor presentation, March 2026. Last checked 5 Nov 2026. Source document: Investor presentation, March 2026
10ADNIC, Management Discussion and Analysis Report, Q2 2026. Last checked 5 Nov 2026. Source document: Management Discussion and Analysis Report, Q2 2026
11ADNIC, Management Discussion and Analysis Report, Q1 2026. Last checked 5 Nov 2026. Source document: Management Discussion and Analysis Report, Q1 2026
12AM Best via Business Wire on Yahoo Finance, AM Best Affirms Credit Ratings of Abu Dhabi National Insurance Company P.J.S.C.. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Abu Dhabi National Insurance Company P.J.S.C.
13S&P Global Ratings, Abu Dhabi National Insurance Co. 'A' Ratings Affirmed; Outlook Stable. Last checked 5 Nov 2026. Source document: Abu Dhabi National Insurance Co. 'A' Ratings Affirmed; Outlook Stable
14ADNIC, ADNIC announces appointing new Acting Chief Executive Officer. Last checked 5 Nov 2026. Source document: ADNIC announces appointing new Acting Chief Executive Officer
15Zawya, ADNIC reports resilient H1 2026 performance with net profit before tax of AED 225.1mln. Last checked 5 Nov 2026. Source document: ADNIC reports resilient H1 2026 performance with net profit before tax of AED 225.1mln
16ADNIC, ADNIC shareholders approve cash dividends of 47% at the Annual General Meeting. Last checked 5 Nov 2026. Source document: ADNIC shareholders approve cash dividends of 47% at the Annual General Meeting
17ADNIC, Global Recognition. Last checked 5 Nov 2026. Source document: Global Recognition
18ADNIC, A new achievement for Abu Dhabi National Insurance Company. Last checked 5 Nov 2026. Source document: A new achievement for Abu Dhabi National Insurance Company
19Scribd (copy of an ADNIC document), ADNIC Motor Policy Brochure. Last checked 5 Nov 2026. Source document: ADNIC Motor Policy Brochure
20ADNIC, Motor Fleet Insurance. Last checked 5 Nov 2026. Source document: Motor Fleet Insurance
21ADNIC, Complaints Handling Guide and Policy. Last checked 5 Nov 2026. Source document: Complaints Handling Guide and Policy
22ADNIC, Register a complaint. Last checked 5 Nov 2026. Source document: Register a complaint
23ADNIC, Car Insurance Garage Network. Last checked 5 Nov 2026. Source document: Car Insurance Garage Network
24ADNIC, Motor Color Coded Product Launch. Last checked 5 Nov 2026. Source document: Motor Color Coded Product Launch
25Abu Dhabi Securities Exchange, ADNIC company profile. Last checked 5 Nov 2026. Source document: ADNIC company profile
26Mubadala, Investors overview. Last checked 5 Nov 2026. Source document: Investors overview
27ADNIC, Personal insurance products. Last checked 5 Nov 2026. Source document: Personal insurance products
28ADNIC, Comprehensive Car Insurance: What is it, Coverage and Benefits. Last checked 5 Nov 2026. Source document: Comprehensive Car Insurance: What is it, Coverage and Benefits
29Apple App Store, ADNIC app listing. Last checked 5 Nov 2026. Source document: ADNIC app listing
30Google Play, ADNIC app listing. Last checked 5 Nov 2026. Source document: ADNIC app listing
31Trustpilot, Adnic reviews. Last checked 5 Nov 2026. Source document: Adnic reviews
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published