ADNTC (Abu Dhabi National Takaful)
Abu Dhabi National Takaful Company (ADNTC) is a takaful insurer set up in Abu Dhabi in 2003 and listed on the Abu Dhabi Securities Exchange. Abu Dhabi Islamic Bank owns 41.66% of it. It sells car, health, home and personal accident cover and business insurance, and is a separate company from ADNIC, Abu Dhabi National Insurance Company.
Out of 5 from 291 Google reviews across 3 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about ADNTC (Abu Dhabi National Takaful)
ADNTC (Abu Dhabi National Takaful) averages 3.3 out of 5 across 291 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Counts come from the 40 reviews we read that are about car insurance, most from 2020 to 2025.
What customers praise
Quick help after an accident or breakdown10 of 40
Great Support & Customer Service specially from the Motor Claim Dep.
Good garages4 of 40
they deal only with top notch garages and they settle your claims without any hardship
What customers complain about
Hard to reach by phone, email or WhatsApp11 of 40
No reply from any number or email or watsapp.
Slow approvals and repairs10 of 40
it took them 3 weeks and two complaints at the insurance authority to get me the approval
Disputes over payouts, repair scope or garage work8 of 40
They refused to even check my accident telling me that the faulty part insurance should cover you.
No replacement car during repairs3 of 40
when i asked for a replacement car, they rejected my request
Read the Google reviews for each office
ADNTC (Abu Dhabi National Takaful) car insurance
ADNTC's brochure offers comprehensive and third party liability cover, and its table of benefits shows two comprehensive plans, Motor Excellence and Motor Elite. ADIB's key facts statement adds a Comprehensive Basic plan, and ADNTC sells fleet cover to companies.
| Plan | Type | What it is |
|---|---|---|
| Motor Excellence | Comprehensive | ADNTC's table of benefits shows third party property damage up to AED 3,000,000, with natural perils, hire car and Oman third party cover included.3 |
| Motor Elite | Comprehensive | ADNTC's table of benefits shows third party property damage up to AED 2,000,000, with natural perils, hire car, emergency medical expenses and Oman third party cover as paid extras. ADIB's key facts statement shows those four included. Check your policy schedule.3 |
| Comprehensive Basic | Comprehensive | Listed in ADIB's key facts statement only. No agency repair. Most extras are optional at a set price.5 |
| Third Party Liability | Third party | Covers your legal liability to third parties only.4 |
| Motor Fleet Takaful | Other | For companies running commercial fleets, logistics vehicles, staff transport and delivery units.23 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | The English table in ADIB's key facts statement (November 2024) lists it up to 3 years on Motor Excellence, up to 2 years on Motor Elite and not on Comprehensive Basic. The Arabic table in the same statement shows 2 years on Motor Excellence and 3 years on Motor Elite. ADNTC's own table of benefits does not list it. Check your policy schedule.5 |
| Garage network | Included | ADNTC's August 2026 panel list, linked from its homepage, has 57 entries: 17 in Al Ain, 16 in Abu Dhabi, 13 in Dubai, 7 in Sharjah, 2 in Ras Al Khaimah and 2 in Fujairah. The older list linked from its motor page has 28.22 |
| Roadside assistance | Included | ADNTC's table of benefits includes it on Motor Excellence and Motor Elite. ADNTC's motor page says 7 services. ADIB's key facts statement says 5.3 |
| Replacement or hire car | Depends on plan | ADNTC's table of benefits includes it on Motor Excellence and charges AED 150 on Motor Elite. ADIB's key facts statement shows it included on both, and AED 125 on Comprehensive Basic. ADNTC's motor page says up to 7 days after an accident or until your car is repaired. Check your policy schedule.3 |
| Personal accident cover | Depends on plan | ADNTC's table of benefits includes it for the driver and passengers on both plans, with passengers under section II of the unified wording. ADIB's key facts statement lists it as optional at AED 120 plus AED 30 per passenger. Check your policy schedule.3 |
| Oman cover | Depends on plan | Third party liability only. ADNTC's table of benefits includes it on Motor Excellence and charges AED 500 on Motor Elite. ADIB's key facts statement shows it included on both, and AED 150 on Comprehensive Basic. Check your policy schedule.3 |
| Natural disaster and flood cover | Depends on plan | ADNTC's table of benefits includes storm, flood and tempest on Motor Excellence and charges AED 200 on Motor Elite. ADIB's key facts statement shows natural perils included on both, and AED 100 on Comprehensive Basic. ADNTC's motor page and brochure list them as optional. Check your policy schedule.3 |
| Windscreen | Depends on plan | ADNTC's table of benefits includes it up to AED 3,000 on Motor Excellence and up to AED 2,000 on Motor Elite. ADNTC's motor page and brochure list it as optional. ADIB's key facts statement shows it included on both with no limit given, and AED 100 on Comprehensive Basic. Check your policy schedule.3 |
More cover details (7)
| Cover | With this insurer | Details |
|---|---|---|
| Third party liability limits | Included | Bodily injury unlimited on both plans. Property damage up to AED 3,000,000 on Motor Excellence and up to AED 2,000,000 on Motor Elite.3 |
| Ambulance service | Included | National ambulance service is included on both plans.3 |
| Personal belongings | Included | Up to AED 2,000 on Motor Excellence and up to AED 1,000 on Motor Elite.3 |
| Emergency medical expenses | Depends on plan | ADNTC's table of benefits gives up to AED 2,000 on Motor Excellence and charges AED 50 on Motor Elite. ADIB's key facts statement gives up to AED 3,000 on Motor Excellence and up to AED 2,000 on Motor Elite. Check your policy schedule.3 |
| Off-road cover | Depends on plan | For 4x4 cars with off-road capability. ADIB's key facts statement shows it included on Motor Excellence and Motor Elite, and optional on Comprehensive Basic for AED 100. ADNTC's own table does not list it.5 |
| Waiver of depreciation | Depends on plan | The English table in ADIB's key facts statement shows the first 6 months on Motor Excellence and the first 3 months on Motor Elite. Its Arabic table shows 3 months on Motor Excellence and 6 months on Motor Elite. ADNTC's own table of benefits does not list it.5 |
| Key replacement | Depends on plan | The English table in ADIB's key facts statement shows it included on Motor Excellence and optional for AED 50 on Motor Elite and Comprehensive Basic. Its Arabic table shows it included on Motor Elite too. ADNTC's own table of benefits does not list it.5 |
Published prices
- Motor Elite extras in ADNTC's table of benefits: emergency medical expenses AED 50, hire car AED 150, natural perils AED 200, Oman third party cover AED 500.3
- ADIB's key facts statement (November 2024) gives a contribution rate starting from 1.5%, paid once, with discounts on high value vehicles. It applies to ADNTC's scheme sold through ADIB, and VAT is extra.5
Check before you buy
- ADIB's key facts statement says terms follow the UAE unified motor wording. That wording excludes floods and other natural disasters unless cover is added.6
- Damage to tyres is not paid unless the car is damaged at the same time.6
- No payment for damage while driving without the right licence, or with an expired licence not renewed within 30 days of the accident.6
- No payment for damage while driving under the influence of alcohol, narcotics or drugs that affect control of the car.6
- No payment for damage outside the area set in the policy unless a rider extends it.6
- No payment if the car is used for a purpose other than the one on the application.6
Policy documents
- Table of Benefits / CoversKey facts, 2026
- Motor Takaful brochureBrochure, 2026
- Motor Takaful Protection Key Facts Statement (ADIB)Key facts, 2024
- Unified Motor Vehicle Insurance PoliciesPolicy wording, 2016
How to claim with ADNTC (Abu Dhabi National Takaful)
- Claims phone024107700
- Claims emailmotorclaims.abudhabi@takaful.ae
- Claim onlineOpen claim page
Included on Motor Excellence and Motor Elite.3
Steps
- Fill in the online motor claim form at lead.takaful.ae/claim.7
- Submit the form with scanned copies of the required documents.7
- Contact the motor claims department to arrange a vehicle inspection.7
- ADNTC assesses and settles the claim once all documents are in.7
- For help, contact the motor claims team for your area. Abu Dhabi: 024107700, motorclaims.abudhabi@takaful.ae. Al Ain: 037166700, motorclaims.alain@takaful.ae. Dubai: 042108700, motorclaims.dubai@takaful.ae.7
- The Insurance Authority's 2016 decision on unified motor policies says claim amounts are settled within 15 days of the company receiving completed claim documents.6
- On complaints, ADNTC says a representative will get back to you within 2 working days.10
Not happy with a claim? Use the ADNTC (Abu Dhabi National Takaful) complaints page first. How to take a complaint to Sanadak.
About ADNTC (Abu Dhabi National Takaful)
- Legal name
- Abu Dhabi National Takaful Company - P S C - Takaful.
- Founded
- 2003-11-1611
- Type
- Takaful insurer. Takaful is Islamic insurance: members pay into a shared fund that pays claims, and the company runs the fund for a fee.5
- Owner
- Abu Dhabi Islamic Bank holds 41.66%. ADNTC's 2025 Integrated Report lists Tasameem Real Estate (26.97%), East & West Group (11.73%) and Bond Investments (6.75%) at 31 December 2025. Its investor relations page gives Tasaneen LLC (26.97%), East & West Group (11.72%) and Bond Investment Ltd (6.11%).11
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker TKFL, since April 200511
- Headquarters
- Landmark Tower, 11th Floor, Corniche, Abu Dhabi. The board approved the move from Tamouh Tower, Al Reem Island, on 4 December 2025.11
- UAE branches
- Head office in Abu Dhabi, an Al Ain branch, an office at the vehicle inspection centre in Al Ain (Muroor), and a Dubai branch in Business Bay8
- Also sells
- Health, Home, Home war cover, Personal accident, Critical illness, School fee protection, Jet ski, Business insurance2
- Central Bank
- Listed in the CBUAE register, September 2026, number 711
Financial strength
AM Best says losses from the 2024 UAE floods increased the interest-free loan from the shareholders' fund to the policyholders' fund. It says the loan was AED 6.3 million at June 2026, down from AED 35.9 million at the end of 2024.
Awards
Recent news
- AM Best affirms ADNTC at A- with a stable outlook
AM Best reported revenue growth of 27% in 2025 to AED 962.6 million and called ADNTC the largest domestic takaful operator in the UAE.16
- Profit rises in the first half of 2026
Profit after tax for the six months to 30 June 2026 was AED 64.1 million, against AED 57.1 million a year earlier.13
- Shareholders approve AED 30 million dividend for 2025
The cash dividend of AED 0.2857 per share was paid in May 2026.13
- Gross contributions reach AED 1 billion in 2025
Total gross contributions were AED 1 billion against AED 793 million in 2024, and net profit was AED 133 million against AED 83 million.12
- Fitch affirms ADNTC at A- with a stable outlook
Fitch ranked ADNTC 13th in the UAE by insurance revenue for 2024, down from 12th in 2023.18
Contact ADNTC (Abu Dhabi National Takaful)
- Phone024107700
- Toll free8002244
- Emailcustomer.service@takaful.ae
- HoursMonday to Thursday 7:30am to 4pm, Friday 8am to 12pm
- Head officeLandmark Tower, 11th Floor, Corniche, Abu Dhabi
Branches (4)
| Branch | Address | Phone |
|---|---|---|
| Head Office | Landmark Tower, 11th Floor, Corniche, Abu Dhabi | 024107700 |
| Al Ain | Emirates Islamic Bank Building, Mezzanine 1 Floor, opposite Al Ain Mall | 037166700 |
| Muroor | Office 1, Traffic Vehicles Inspection & Registration Centre, Al Ain | 037166700 |
| Dubai | 1st Floor, Building A, Empire Heights, Business Bay, Dubai | 042108700 |
Common questions
Is ADNTC the same company as ADNIC?
No. ADNTC is Abu Dhabi National Takaful Company, which trades on the ADX as TKFL, and ADNIC is a separate company with its own ADX listing.14
Does ADNTC car insurance include agency repair?
The English table in ADIB's key facts statement lists up to 3 years on Motor Excellence and up to 2 years on Motor Elite, and its Arabic table shows them the other way round. ADNTC's own table of benefits does not list it, so check your policy schedule.5
Is flood damage covered by ADNTC?
ADNTC's table of benefits includes storm, flood and tempest on Motor Excellence and charges AED 200 on Motor Elite. ADIB's key facts statement shows natural perils included on both, so check your policy schedule.3
Do I get a replacement car from ADNTC?
ADNTC's table of benefits includes a hire car on Motor Excellence and charges AED 150 on Motor Elite, and its motor page says up to 7 days or until your car is repaired. ADIB's key facts statement shows it included on both, so check your policy schedule.3
How do I make a car claim with ADNTC?
Fill in the online claim form and send scanned copies of the police report, vehicle registration, driving licence and Emirates ID. Then contact the motor claims team to arrange an inspection.7
What is the ADNTC customer service number?
The toll free number is 800 2244 and the email is customer.service@takaful.ae. The head office number is 02 410 7700.8
How do I complain to ADNTC?
Use the complaints form on its website or call 800 2244. ADNTC says a representative will get back to you within 2 working days, and its complaints page also links to the Sanadak complaints service.9
Sources
30
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2ADNTC, Motor Takaful Insurance. Last checked 5 Nov 2026. Source document: Motor Takaful Insurance
3ADNTC, Table of Benefits / Covers (Motor Excellence and Motor Elite). Last checked 5 Nov 2026. Source document: Table of Benefits / Covers (Motor Excellence and Motor Elite)
4ADNTC, Motor Takaful brochure. Last checked 5 Nov 2026. Source document: Motor Takaful brochure
5Abu Dhabi Islamic Bank, Motor Takaful Protection Key Facts Statement (provided by Abu Dhabi National Takaful Co.). Last checked 5 Nov 2026. Source document: Motor Takaful Protection Key Facts Statement (provided by Abu Dhabi National Takaful Co.)
6Insurance Authority, copy hosted by ADIB, Decision No. 25 of 2016, Unified Motor Vehicle Insurance Policies. Last checked 5 Nov 2026. Source document: Decision No. 25 of 2016, Unified Motor Vehicle Insurance Policies
7ADNTC, Submit Claim. Last checked 5 Nov 2026. Source document: Submit Claim
8ADNTC, Contact us. Last checked 5 Nov 2026. Source document: Contact us
9ADNTC, Complaints. Last checked 5 Nov 2026. Source document: Complaints
10ADNTC, Complaint process. Last checked 5 Nov 2026. Source document: Complaint process
11ADNTC via ADX, Integrated Report, 31 December 2025. Last checked 5 Nov 2026. Source document: Integrated Report, 31 December 2025
12ADNTC via ADX, Financial results for the period ended 31 December 2025. Last checked 5 Nov 2026. Source document: Financial results for the period ended 31 December 2025
13ADNTC via ADX, Interim financial statements, six months to 30 June 2026. Last checked 5 Nov 2026. Source document: Interim financial statements, six months to 30 June 2026
14Abu Dhabi Securities Exchange, TKFL company financial reports. Last checked 5 Nov 2026. Source document: TKFL company financial reports
15AM Best, Rating disclosure, Abu Dhabi National Takaful Company PSC. Last checked 5 Nov 2026. Source document: Rating disclosure, Abu Dhabi National Takaful Company PSC
16AM Best via Business Wire on Yahoo Finance, AM Best Affirms Credit Ratings of Abu Dhabi National Takaful Company P.S.C. (30 October 2026). Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Abu Dhabi National Takaful Company P.S.C. (30 October 2026)
17AM Best, AM Best Affirms Credit Ratings of Abu Dhabi National Takaful Company P.S.C. (19 December 2025). Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Abu Dhabi National Takaful Company P.S.C. (19 December 2025)
18Fitch Ratings, Fitch Affirms Abu Dhabi National Takaful Company P.S.C.'s IFS Rating at 'A-'; Outlook Stable. Last checked 5 Nov 2026. Source document: Fitch Affirms Abu Dhabi National Takaful Company P.S.C.'s IFS Rating at 'A-'; Outlook Stable
19ADNTC, Investor Relations. Last checked 5 Nov 2026. Source document: Investor Relations
20ADNTC, Awarded Takaful Specialist of the Year. Last checked 5 Nov 2026. Source document: Awarded Takaful Specialist of the Year
21ADNTC, ADNTC honored as Pioneer of Takaful Excellence. Last checked 5 Nov 2026. Source document: ADNTC honored as Pioneer of Takaful Excellence
22ADNTC, List of panel garages. Last checked 5 Nov 2026. Source document: List of panel garages
23ADNTC, Motor Fleet Takaful Insurance. Last checked 5 Nov 2026. Source document: Motor Fleet Takaful Insurance
24Trustpilot, Abu Dhabi National Takaful Co. PSC (ADNTC). Last checked 5 Nov 2026. Source document: Abu Dhabi National Takaful Co. PSC (ADNTC)
25Policybazaar.ae, Abu Dhabi National Takaful Car Insurance. Last checked 5 Nov 2026. Source document: Abu Dhabi National Takaful Car Insurance
26ADNTC, Garage network list (linked from the motor page). Last checked 5 Nov 2026. Source document: Garage network list (linked from the motor page)
27Intelligent Insurer, MENA II Awards 2026, 2026 Winners. Last checked 5 Nov 2026. Source document: MENA II Awards 2026, 2026 Winners
28AlHuda CIBE, 7th Global Takaful & Re-Takaful Forum 2025. Last checked 5 Nov 2026. Source document: 7th Global Takaful & Re-Takaful Forum 2025
29Central Bank of the UAE, Enforcement. Last checked 5 Nov 2026. Source document: Enforcement
30Central Bank of the UAE, CBUAE suspends the licence of YAS Takaful PJSC (18 August 2025). Last checked 5 Nov 2026. Source document: CBUAE suspends the licence of YAS Takaful PJSC (18 August 2025)
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published