AFNIC
AFNIC is Al Fujairah National Insurance Company, set up in Fujairah in 1976 and listed on the Abu Dhabi Securities Exchange. The Government of Fujairah owns 80.07% of it. It sells car, medical, home, travel and business insurance through branches in six UAE locations and counters at vehicle testing centres.
Out of 5 from 1,448 Google reviews across 21 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about AFNIC
AFNIC averages 3.6 out of 5 across 1,448 Google reviews of its UAE offices, read 5 Nov 2026. Offices range from 2.6 to 4.2. Those reviews cover everything it sells, not only car insurance.
Counts come from the 141 reviews we read that are about car insurance, most from 2022 to 2026.
What customers praise
Friendly, helpful staff at the motor claims office15 of 141
The receptionist at Fujairah National Insurance Company is incredibly kind and friendly! They made the whole experience smooth and pleasant.
Claim or inspection handled quickly9 of 141
surprisingly smooth experience- took me just under 30mins for the inspection
Quick, simple buying or renewal5 of 141
I bought car insurance there. The price was reasonable, served quickly.
Roadside help came through3 of 141
I used their road side assistance covered in the insurance that really helped.
What customers complain about
Calls go unanswered, including for accidents and roadside help19 of 141
I called the company more than 10 times and I got no response!!!!!
Claims, approvals and repairs take weeks18 of 141
Every time I follow up, they say they’re still waiting for approval, which takes a whole week.
Hire car delayed, refused or paid as a small daily allowance13 of 141
now they are telling only allowance will be given of 70 dhms per day that too after the repair.
High premiums and renewal price rises7 of 141
I paid 6000 Dhs After 1 year no accident at all They ask me to renew with 7800 Dhs
Read the Google reviews for each office
AFNIC car insurance
AFNIC sells comprehensive car insurance, with either agency or non-agency repair, and third-party insurance. It also sells FloodGuard, flood cover for cars on third-party insurance, and motor fleet insurance for companies.
| Plan | Type | What it is |
|---|---|---|
| Motor Comprehensive, agency repair | Comprehensive | Covers damage to your car and your liability to others. Repairs can be at the agency or dealer workshop.2 |
| Motor Comprehensive, non-agency repair | Comprehensive | Covers damage to your car and your liability to others. Repairs are at a garage, not an agency or dealer workshop.2 |
| Third Party Insurance | Third party | Covers your legal liability for injury, death or property damage to other people. It does not pay for your own car.2 |
| AFNIC FloodGuard | Other | Flood and storm cover for private cars on third-party insurance with any insurer, with a limit of AED 25,000 or AED 50,000.15 |
| Motor Fleet Insurance | Other | Comprehensive or third-party cover, listed under AFNIC's corporate insurance.3 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | AFNIC says agency repair is normally for brand-new vehicles, and generally up to two years from first registration.2 |
| Non-agency garage repair | Included | The motor insurance page says repair is in any garage, not an agency or dealer workshop. The claims page says the car goes to one of AFNIC's workshops. Check your policy schedule.2 |
| Vehicle age limit for comprehensive | Depends on plan | Private cars over 10 years old and commercial vehicles over 7 years old usually do not get comprehensive cover.2 |
| Insured value | Included | The car is insured at its actual market value.2 |
| Causes covered by comprehensive | Included | AFNIC lists collision, overturning, fire, external explosion, self-ignition, lightning, burglary or theft, malicious acts by a third party and accidents during transit.2 |
| Third-party limits | Included | Property damage up to AED 2,000,000 per accident. Death or injury to third parties at the amount a court awards, with no fixed limit. AED 200,000 per person if a family member of the insured or driver dies.4 |
| Ambulance costs | Included | AFNIC pays AED 6,770 per injured person to the ambulance provider after an accident caused by a car it insures against third-party liability.4 |
| Loss of use for the other driver | Depends on plan | A private car owner you damage can get up to AED 300 a day for up to 15 days, or a substitute car. It is not paid if they take cash compensation.4 |
More cover details (8)
| Cover | With this insurer | Details |
|---|---|---|
| Flood cover for third-party cars | Depends on plan | FloodGuard covers flood, inundation, storm and tempest up to AED 25,000 or AED 50,000 for private four-wheel cars, with non-agency repair only and a 15-day wait. The product page calls it stand-alone. The 2025 sustainability report says it is now bundled with third-party policies.15 |
| Natural disaster cover on comprehensive | Depends on plan | Lookinsure says flood, sandstorm, hail and storm damage sit inside comprehensive cover. UAE Guides lists natural disaster cover. Check your policy schedule.31 |
| Roadside assistance | Depends on plan | Lookinsure lists 24-hour roadside assistance as an optional extra. UAE Guides lists roadside assistance as included. Check your policy schedule.31 |
| Oman cover | Depends on plan | UAE Guides lists Oman cover through the Orange Card. Lookinsure lists an Oman extension as an add-on. The third-party wording does not apply outside the UAE. Check your policy schedule.32 |
| Personal accident cover | Optional extra | The third-party wording treats personal accident cover for the driver, the insured and excluded passengers as an extra for an added premium.4 |
| Off-road use | Depends on plan | Under the third-party wording, AFNIC can recover what it paid from you if the car was used off the road without additional cover.4 |
| Expired licence | Depends on plan | Under the third-party wording, a driver whose licence had expired still counts if they renew it within thirty days of the accident.4 |
| 24-hour customer line | Included | AFNIC lists 800 23642 as its 24/7 toll-free customer care line.13 |
Check before you buy
- Third-party cover does not apply to accidents outside the UAE.4
- Third-party cover excludes accidents related to natural disasters such as floods, tornados, hurricanes and earthquakes.4
- Third-party cover does not pay for injury to the insured, the driver, or employees hurt during work, unless they have extra cover under a rider or another policy.4
- AFNIC can recover what it paid from you if the driver had no valid licence, was under the influence of drugs or alcohol, or caused the accident on purpose.4
- The driver must hold a valid licence at the time of the accident.2
- FloodGuard does not cover damage in a sand dune, beach, wadi or man-made body of water, or commercial vehicles, pickups, motorcycles or taxis. It stops if you switch to comprehensive cover.15
Policy documents
- Motor Vehicle Policy Third Party LiabilityPolicy wording, 2016
How to claim with AFNIC
- Claims phone80023642
- Claims emailcallcenter@fujinsco.ae
- Claim onlineOpen claim page
Steps
- Call 800 23642 or email callcenter@fujinsco.ae to open your claim.5
- Or fill in the Report a Claim form on AFNIC's website and upload your documents.8
- Take your car to the nearest AFNIC claims office for a damage assessment.5
- After the assessment the car goes for repair: at the agency if your policy has agency cover, otherwise at one of AFNIC's workshops.5
- For a FloodGuard claim, call 800 23642 without waiting for the police report, then submit the police report within 15 days.15
- After a complaint, AFNIC's complaints team says it will call you within 24 hours.7
Not happy with a claim? Complain to AFNIC at complaints@fujinsco.ae first. How to take a complaint to Sanadak.
About AFNIC
- Legal name
- Al Fujairah National Insurance Company PSC
- Founded
- 197617
- Type
- Conventional insurer, according to eSanad. Lookinsure says its cover follows takaful principles. AFNIC's 2025 accounts do not mention takaful.33
- Owner
- Department of Industry and Economy, Government of Fujairah, 80.07%. Fujairah Investment Company, 16.84% in the 2025 governance report (at 31 December 2025) and 15.75% on AFNIC's website ownership page.20
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker AFNIC, listed in 20079
- Headquarters
- Fujairah, UAE17
- UAE branches
- Head office in Fujairah, with branches in Abu Dhabi, Dubai, Sharjah, Dibba and Khorfakkan. AFNIC's 2025 sustainability report says more than 40 sales outlets and two claims offices. Its About page says more than 25 outlets. Its contact page lists 36 branches and outlets and five claims offices.21
- Also sells
- Medical, Home, Travel, Worldwide personal accident, Marine, Liability, Fire, Group medical and life, Property and casualty, Aviation, Vessel, Workmen's compensation, Construction and engineering, Financial lines10
- Central Bank
- Listed in the CBUAE register, September 2026, number 111
Financial strength
AM Best says AFNIC made underwriting losses each year from 2021 until 2024, and that its motor business underperformed in 2025 and has improved so far in 2026. Solvency ratios shown are basic own funds against the solvency capital requirement.
Awards
- AFNIC says it won Most Innovative Insurance Product from the UAE Insurance Authority, 201828
- AFNIC says it won the Spread Insurance Awareness Award from the UAE Insurance Authority, 201828
- AFNIC says it won the Excellence Award in Tolerance from the UAE Insurance Authority, 202028
- AFNIC says it won Outstanding Company in Social Responsibility from the UAE Insurance Authority, 202028
Recent news
- AFNIC board to discuss nine-month accounts on 12 November
Argaam reports the board will discuss the accounts to 30 September 2026 on 12 November.26
- AM Best affirms AFNIC at B++ with a stable outlook
AM Best says AFNIC had a 92% net-net combined ratio in 2025 and that its motor segment has improved so far in 2026.22
- AFNIC half-year profit rises 43% to AED 53.2 million
Insurance revenue for the six months to 30 June 2026 was AED 338.6 million, up from AED 306 million a year earlier.25
- AFNIC suspends WhatsApp customer service
AFNIC said it stopped WhatsApp communication from this date, citing UAE Central Bank directives and fraud prevention.13
- AM Best revises AFNIC outlook to stable from negative
AM Best affirmed the B++ rating and revised its view of operating performance to adequate from strong.23
Contact AFNIC
- Phone092233355
- Toll free80023642
- Emailcallcenter@fujinsco.ae
- HoursToll-free line 24 hours a day, 7 days a week. The complaints page says AFNIC is closed on Fridays and Saturdays and handles requests sent after 4:00 PM on the next business day.
- Head officeInsurance Building, Hamad Bin Abdullah Street, Fujairah, PO Box 277. The website footer says 8th floor. The branch list says ground floor.
Branches (41)
| Branch | Address | Phone |
|---|---|---|
| AFNIC Head office | Ground floor, Insurance Building, Hamad Bin Abdulla Street, Fujairah, UAE. | 092233355 |
| AFNIC Fujairah Traffic Department Office | Fujairah Police Traffic & Vehicle Registration Department, Al Hayl, Fujairah, UAE. | 092231707 |
| AFNIC Masafi Traffic Department Office | Masafi Traffic Department, Masafi, UAE. | 0507150785 |
| AFNIC Dubai Branch | Office 706, Bay Square Building 2, Al Asayel Street, Business Bay, Dubai, UAE. | 042772155 |
| Quik Insure Al Mankhool | AFNIC Quik Insure, EPCCO Petrol Station (opposite Al Mankhool Public Library), Al Mankhool, Dubai, UAE. | 043232882 |
| AG CARS Deira | AG CARS Vehicle Testing Centre, Behind Commercial Bank of Dubai, Opp. Hamarain Centre, 8th St, Al Khaibisi, 10A St, Deira, Dubai. | 80023642 |
| AG CARS Mamzar | AG Cars Vehicle Testing Centre, Al Mamzar, Street 44, Hor Al Anz East, Dubai | 80023642 |
| Al Mumayaz Al Barsha Mall | Al Mumayaz Vehicle Testing Centre, Ground Floor, Gate 4, Barsha Mall, 23rd St., Dubai | 80023642 |
| Al Mumayaz Al Mizhar | Al Mumayaz Vehicle Testing Centre, 107 Khartoum St., Al Mizhar 1, Dubai | 80023642 |
| AFNIC Abu Dhabi Branch | Office 802, Nawat Tower Building 3, Al Mawasim Street, Al Khalediya, Abu Dhabi, UAE. | 026773429 |
| AFNIC - Mahawi (ADNOC Vehicle Inspection Center) | ADNOC Vehicle Inspection Center, Mahawi, Al Mafraq, Abu Dhabi- Al Ain road, Abu Dhabi, UAE. | 026423750 |
| AFNIC - Mussafah (ADNOC Vehicle Inspection Center) | ADNOC Vehicle Inspection Center, Mussafah Industrial area, Abu Dhabi, UAE. | 025543156 |
| AFNIC - Traffic Department Office (ADNOC Vehicle Inspection Center) | ADNOC Vehicle Inspection Center, Muroor road, Al Mushrif, Abu Dhabi, UAE. | 024439812 |
| AFNIC Sharjah Branch Office | No. 1104, 11th Floor, Bell Rashid Tower, Al Majaz 1, Sharjah, UAE | 065737226 |
| AFNIC Khorfakkan Branch Office | Al Rugaylat road (near Subway), Al Qadisiya area, Khorfakkan, UAE. | 096061820 |
| AFNIC Dibba Branch Office | Ground Floor, Al Rifaa Dibba Al Fujairah, UAE. | 092444844 |
| AFNIC - National Technical Testing Center (Al Wataniya) | Dibba-Masafi Road (near Fujairah National Driving Institute), Dibba, UAE. | 092041845 |
| AFNIC Dibba Al-Hisn Traffic Department Office | Dibba Al-Hisn Comprehensive Police Station, Al Nakheel road, Hay Al Doob, Dibba, UAE | 092444499 |
| Tasjeel Al Qusais | Tasjeel Al Qusais Vehicle License & Testing Center, Beirut Road, Al Qusais Industrial 5, Dubai, UAE. | 042821465 |
| Tasjeel Al Warsan | Tasjeel Al Warsan Vehicles Testing & Registration Center, Manama Street, Warsan, Dubai, UAE. | 045474439 |
| Tasjeel Al Barsha | Tasjeel Al Barsha Vehicles Testing & Registration Center (behind Gold & Diamond Park), Sheikh Zayed road, Al Quoz, Dubai, UAE. | 045467952 |
| Tasjeel Discovery Gardens | Tasjeel Discovery Garden Vehicles Testing & Registration Center (Enoc Petrol Station), Street 6, Discovery Gardens, Dubai, UAE. | 044277264 |
| Tasjeel City of Arabia | Tasjeel City of Arabia Vehicles Testing & Registration Center (near GEMS Winchester School), Dubai Land, Dubai, UAE. | 043233172 |
| Tasjeel Al Twar | Tasjeel Al Twar Vehicles Testing & Reg (EPCCO Petrol Station), Al Nahda street, Al Twar 2, Dubai, UAE. | 042204027 |
| Tasjeel Khorfakkan | Tasjeel Vehicle Testing Centre (near McDonald's), Al Rugaylat street, Al Qadisiya are, Khorfakkan, UAE. | 092382392 |
| Tasjeel Fujairah | Tasjeel Vehicle Testing Centre, ENOC petrol station, Airport road, Fujairah, UAE. | 096061793 |
| Tasjeel Hatta | Tasjeel Vehicle Testing Centre, EPPCO Petrol station, Dubai-Hatta road, Hatta, UAE. | 0507150785 |
| Shamil Al Fujairah | Shamil Vehicle Testing and Registration, Al Hail, Fujairah, UAE. | 092231968 |
| Shamil Masafi | Shamil Vehicle Testing and Registration, Emarat – Sharya, Al Dhaid-East Coast Road, Masafi, Fujairah, UAE. | 0507150785 |
| Shamil Al Muhaisnah | Shamil Muhaisnah Vehicle Testing & Registration Center, Beirut Street, Al Qusais Industrial area 2, Dubai, UAE. | 042229967 |
| Shamil Al Qusais | Shamil Al Qusais Vehicle Testing & Registration Center, Al Qusais Industrial area 3, Dubai, UAE. | 0565395442 |
| Shamil Al Joud | Shamil Vehicle Testing and Registration, Emarat Al Joud, Industrial Area 17, Sharjah, UAE. | 80023642 |
| Wasel Al Jaddaf | Wasel Vehicles Testing Center, Al Jaddaf, Dubai, UAE. | 0565395442 |
| Wasel Nad Al Hammar | Wasel Vehicles Testing Center, Nad Al Hammar, Dubai, UAE. | 0565395442 |
| Wasel Arabian Center | Wasel Vehicles Testing Center, Arabian Center , Al Khawaneej street, Dubai, UAE. | 0565395442 |
| Tamam Vehicles Testing Center | Tamam Vehicles Testing Center, Ras Al Khor road, Dubai, UAE. | 042310554 |
| Fujairah Claims Office | Fujairah Insurance Vehicle Yard, Al Hayl, Fujairah, UAE. | 092231300 |
| Dubai & Sharjah Claims Office | 12 4 Street, Al Qusais Industrial Area 2 , Dubai, UAE | 042869210 |
| Abu Dhabi Claims Office | Office 802, Nawat Tower Building 3, Al Mawasim Street, Al Khalediya, Abu Dhabi, UAE. | 026773429 |
| Dibba Claims Office | Dibba Al-Fujairah, Fujairah, UAE. | 092444844 |
| Khorfakkan Claims Office | Al Rugaylat road (near Subway), Al Qadisiya area, Khorfakkan, UAE | 096061825 |
Common questions
Who owns AFNIC?
The Department of Industry and Economy of the Government of Fujairah held 80.07% at 31 December 2025. Fujairah Investment Company held 16.84% in the 2025 governance report and 15.75% on AFNIC's website ownership page.20
What is AFNIC's AM Best rating?
AM Best affirmed AFNIC's Financial Strength Rating of B++ (Good) with a stable outlook on 23 October 2026.22
How long can I get agency repair with AFNIC?
AFNIC says agency repair is normally for brand-new vehicles, and generally up to two years from first registration.2
How do I make a car insurance claim with AFNIC?
Call 800 23642 or email callcenter@fujinsco.ae with your police report, Emirates ID, driving licence and vehicle registration card. Then take the car to the nearest AFNIC claims office for assessment.5
Does AFNIC still use WhatsApp?
AFNIC said it would suspend WhatsApp communication from 29 April 2026 and named its website, 800 23642 and its app as the channels to use. Its claims page still shows a WhatsApp number.13
Does AFNIC cover flood on third-party insurance?
Third-party cover excludes natural disasters. FloodGuard adds flood cover for private cars on third-party insurance, up to AED 25,000 or AED 50,000 after a 15-day wait, and AFNIC's product page calls it stand-alone while its 2025 sustainability report says it is bundled with third-party policies.15
How do I complain to AFNIC?
Call 800 23642, use the form at afnic.ae/suggestions or email complaints@fujinsco.ae. You can also contact Sanadak, the consumer protection body AFNIC names, on 800 72 623 25.7
Sources
33
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Al Fujairah National Insurance Company, Motor Insurance. Last checked 5 Nov 2026. Source document: Motor Insurance
3Al Fujairah National Insurance Company, Motor Fleet Insurance. Last checked 5 Nov 2026. Source document: Motor Fleet Insurance
4Al Fujairah National Insurance Company, Motor Vehicle Policy Third Party Liability. Last checked 5 Nov 2026. Source document: Motor Vehicle Policy Third Party Liability
5Al Fujairah National Insurance Company, Claims Support. Last checked 5 Nov 2026. Source document: Claims Support
6Al Fujairah National Insurance Company, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
7Al Fujairah National Insurance Company, Suggestions and Complaints. Last checked 5 Nov 2026. Source document: Suggestions and Complaints
8Al Fujairah National Insurance Company, Report a Claim. Last checked 5 Nov 2026. Source document: Report a Claim
9Al Fujairah National Insurance Company, About. Last checked 5 Nov 2026. Source document: About
10Al Fujairah National Insurance Company, Products. Last checked 5 Nov 2026. Source document: Products
11Al Fujairah National Insurance Company, Investor Relations: Ownership Percentage. Last checked 5 Nov 2026. Source document: Investor Relations: Ownership Percentage
12Al Fujairah National Insurance Company, Company profile PDF. Last checked 5 Nov 2026. Source document: Company profile PDF
13Al Fujairah National Insurance Company, Notice on WhatsApp Service update. Last checked 5 Nov 2026. Source document: Notice on WhatsApp Service update
14Al Fujairah National Insurance Company, AFNIC FloodGuard insurance. Last checked 5 Nov 2026. Source document: AFNIC FloodGuard insurance
15Al Fujairah National Insurance Company, FloodGuard Motor Insurance microsite. Last checked 5 Nov 2026. Source document: FloodGuard Motor Insurance microsite
16Al Fujairah National Insurance Company, Refund Policy. Last checked 5 Nov 2026. Source document: Refund Policy
17Al Fujairah National Insurance Company, Financial Report 2025. Last checked 5 Nov 2026. Source document: Financial Report 2025
18Al Fujairah National Insurance Company, Condensed interim financial information, period ended 30 June 2026 (copy hosted by Argaam). Last checked 5 Nov 2026. Source document: Condensed interim financial information, period ended 30 June 2026 (copy hosted by Argaam)
19Abu Dhabi Securities Exchange, AFNIC company financial reports. Last checked 5 Nov 2026. Source document: AFNIC company financial reports
20Al Fujairah National Insurance Company, Corporate Governance Report 2025. Last checked 5 Nov 2026. Source document: Corporate Governance Report 2025
21Al Fujairah National Insurance Company, Sustainability (ESG) Report 2025. Last checked 5 Nov 2026. Source document: Sustainability (ESG) Report 2025
22AM Best, AM Best Affirms Credit Ratings of Al Fujairah National Insurance Company PJSC. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Al Fujairah National Insurance Company PJSC
23AM Best, AM Best Revises Outlooks to Stable for Al Fujairah National Insurance Company PJSC. Last checked 5 Nov 2026. Source document: AM Best Revises Outlooks to Stable for Al Fujairah National Insurance Company PJSC
24AM Best, Al Fujairah National Insurance Company PJSC company profile. Last checked 5 Nov 2026. Source document: Al Fujairah National Insurance Company PJSC company profile
25Al Khaleej, 53.2 million dirhams half-year profit for Fujairah Insurance, up 43%. Last checked 5 Nov 2026. Source document: 53.2 million dirhams half-year profit for Fujairah Insurance, up 43%
26Argaam, AFNIC board to discuss accounts to 30 September 2026 on 12 November. Last checked 5 Nov 2026. Source document: AFNIC board to discuss accounts to 30 September 2026 on 12 November
27Middle East Insurance Review, UAE: Al Fujairah National Insurance launches storm coverage for third-party motor policyholders. Last checked 5 Nov 2026. Source document: UAE: Al Fujairah National Insurance launches storm coverage for third-party motor policyholders
28Apple App Store, AFNIC App. Last checked 5 Nov 2026. Source document: AFNIC App
29Google Play, AFNIC. Last checked 5 Nov 2026. Source document: AFNIC
30Trustpilot, Al Fujairah National Insurance Co. profile (afnic.ae). Last checked 5 Nov 2026. Source document: Al Fujairah National Insurance Co. profile (afnic.ae)
31Lookinsure, AFNIC car insurance UAE: cover, renewal and contact details. Last checked 5 Nov 2026. Source document: AFNIC car insurance UAE: cover, renewal and contact details
32UAE Guides, Best Car Insurance Companies in UAE and Dubai (2026). Last checked 5 Nov 2026. Source document: Best Car Insurance Companies in UAE and Dubai (2026)
33eSanad, Al Fujairah National Insurance Company PSC. Last checked 5 Nov 2026. Source document: Al Fujairah National Insurance Company PSC
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published