Al Buhaira Insurance
Al Buhaira National Insurance Company (ABNIC) is a Sharjah insurer set up by decree in 1978. It is listed on the Abu Dhabi Securities Exchange, and its largest shareholder held 18.90% at the end of 2025. It sells comprehensive and third-party car insurance alongside medical, home, travel and business cover.
At 30 June 2026 its capital was AED 211.8 million below the Central Bank solvency capital requirement. KPMG qualified its opinion on the 2025 accounts because of a forensic investigation into irregular transactions.24
Out of 5 from 2,541 Google reviews across 17 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Al Buhaira Insurance
Al Buhaira Insurance averages 3.6 out of 5 across 2,541 Google reviews of its UAE offices, read 5 Nov 2026. Offices range from 2.6 to 4.6. Those reviews cover everything it sells, not only car insurance.
ABNIC Health Vault, a medical insurance app: 1.6 on App Store, 2.0 on Google Play. Those ratings are for its health app, not car insurance.
Counts come from the 112 reviews we read that are about car insurance, most from 2023 to 2026.
What customers praise
Claims staff helped and made the process easy49 of 112
Good service from motor claims team guided me properly and adressed to my concerns
Quick, clear help with buying or renewing17 of 112
They took the time to explain every coverage option in simple terms
Price5 of 112
I chose them based on the price of their comprehensive insurance which is cheaper than other companies
What customers complain about
Phone calls and emails not answered12 of 112
Most of the time the phone is not picked up or is just disconnected.
Long waits for repairs10 of 112
It’s been over 1.5 months since my accident, and my car is still not repaired or returned.
Garage choice and repair quality10 of 112
They only work with three garages, and out of those, only one was decent.
Disputes over what gets paid9 of 112
They refused to pay the rent car although it is mentioned in the agreement
Read the Google reviews for each office
Al Buhaira Insurance car insurance
Al Buhaira sells comprehensive and third-party car insurance for eligible vehicles, with Standard and Gold benefit levels. Quotes are available online, and it also insures fleets, trucks, buses and motorcycles.
| Plan | Type | What it is |
|---|---|---|
| Comprehensive Insurance | Comprehensive | May cover damage to your own car together with third-party liability, theft, fire and other insured risks, subject to the policy.8 |
| Third Party Insurance | Third party | Covers legal liability for injury or property damage caused to others. It generally does not cover your own car.9 |
| Motor Fleet Insurance | Other | For businesses insuring several vehicles.7 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | May be available for eligible vehicles under selected policies. It depends on the vehicle, the policy and underwriting. The standard wording says that after a car's first three years on the road, if you ask for agency repair when taking out the policy, the company may agree and set the premium up to the maximum tariff.8 |
| Roadside assistance | Depends on plan | Listed as a benefit on Standard and Gold cover, depending on the policy selected.5 |
| Personal accident cover | Depends on plan | Listed on Standard cover for eligible private vehicles and on Gold cover.5 |
| Natural disaster, storm and flood | Depends on plan | Listed on Gold cover. The company says it is not automatically included in every comprehensive policy. The standard wording excludes natural disasters.8 |
| Windscreen | Depends on plan | Gold cover lists windscreen damage without excess.5 |
| Replacement car | Depends on plan | Gold cover lists car replacement. Comprehensive pages list a replacement vehicle benefit where available.5 |
| Geographical extension | Depends on plan | Listed on Gold cover. The standard wording covers the UAE, and loss outside the policy territory needs a rider.5 |
| Off-road cover | Optional extra | Damage off the road is excluded unless a rider extends cover for an extra premium.21 |
More cover details (11)
| Cover | With this insurer | Details |
|---|---|---|
| Personal belongings | Depends on plan | Listed on Gold cover.5 |
| Emergency medical expenses | Depends on plan | Listed on Gold cover.5 |
| Replacement of locks | Depends on plan | Listed on Gold cover.5 |
| Valet parking theft | Depends on plan | Listed on Gold cover.5 |
| Strike, riot and civil commotion | Depends on plan | Listed on Gold cover.5 |
| Excess | Included | The standard wording sets maximum excess per accident for private cars with up to 9 passengers: AED 350 up to AED 50,000 in value, AED 700 up to AED 100,000, AED 1,000 up to AED 250,000, AED 1,200 above AED 250,000, AED 1,400 above AED 500,000.21 |
| Young driver terms | Depends on plan | An extra excess of up to 10% of the compensation can apply if the driver is under 25 and caused the accident.21 |
| Modified and sports cars | Depends on plan | An extra excess can apply: up to 15% for sports cars and modified vehicles, up to 20% for vehicles modified outside the factory.21 |
| Motor claims line | Included | Motor claims number 600545457.15 |
| Online promo code | Depends on plan | Code MOTOR can be entered online to request a special price. It depends on eligibility and current offer terms.10 |
| Card holder offers | Depends on plan | Eligible Homat Al Watan card holders can get 10% off the premium. Eligible Esaad and Fazaa card holders can request a discounted rate, with no fixed percentage published. Eligibility depends on the vehicle, driver, policy and offer terms.40 |
Check before you buy
- Natural disasters such as floods and hurricanes are excluded in the standard wording unless the policy adds them.21
- Damage outside the policy territory is excluded unless a rider extends cover.21
- Damage off the road is excluded unless a rider extends cover.21
- Use in a speed race or test is excluded if that caused the accident.21
- Tyre damage is excluded unless the car is damaged at the same time.21
- The company will not pay for damage to your car if the driver was unlicensed or held an expired licence not renewed within 30 days, or was under the influence of drugs, alcohol or medication that affects driving. If it finds this out after paying, it can recover the money.21
- Third-party cover does not pay for damage to your own car, or for its theft or fire.9
- Under third-party cover, property damage is limited to AED 2,000,000 per accident, and death of a family member of the insured or driver to AED 200,000 per person.22
Policy documents
- Motor Vehicle Insurance Policy Against Loss and DamagePolicy wording
- Motor Vehicle Insurance Policy Against Third PartyPolicy wording
How to claim with Al Buhaira Insurance
- Claims phone600545457
- Claims WhatsApp0501079830
- Roadside help8008181
- Claims emailmotorclaims@albuhaira.com
- Claim onlineOpen claim page
The benefit depends on the policy.2
Steps
- Report the accident to the relevant authority and get the official accident report.5
- Tell Al Buhaira promptly, by the online form, phone, WhatsApp or email.14
- Give the accident, driver and vehicle details and supporting documents.5
- Follow the assessment or repair instructions from the motor claims team.5
Not happy with a claim? Complain to Al Buhaira Insurance at rabie.g@albuhaira.com first. How to take a complaint to Sanadak.
About Al Buhaira Insurance
- Legal name
- Al Buharia National Insurance Co
- Founded
- 197823
- Type
- Conventional insurer23
- Owner
- Listed company. Largest holders at 31 December 2025: Salem Abdulla Salem Al Hosani 18.90%, Sheikh Abdulla Bin Mohammed Ali Al Thani 13.47%, Sheikh Faisal Bin Khalid Bin Sultan Al Qasimi 12.54%.25
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker ABNIC32
- Headquarters
- Buhaira Insurance Towers, Khalid Lagoon, Buhaira Corniche, Sharjah17
- UAE branches
- The 2025 integrated report says head office, 8 full-service branches and 8 points of sale. The About page says 9 branches. The 2025 company profile says head office and 11 branches.26
- Also sells
- Medical, Travel, Home, Yacht, Jet ski, Property, Engineering, Group life, Credit life, Marine, Aviation, Liability, Energy5
- Central Bank
- Listed in the CBUAE register, September 2026, number 151
Financial strength
At 30 June 2026 its capital was AED 211.8 million below the Central Bank solvency capital requirement, against AED 16.8 million at the end of 2025. The company says the breach brings enhanced oversight by regulators and that the Central Bank gave a no-objection letter on its solvency recovery plan. KPMG qualified its opinion on the 2025 accounts and its review of the June 2026 accounts because of a forensic investigation into irregular transactions. The 2025 company profile says total assets above AED 2 billion. The audited accounts show AED 1.56 billion at 31 December 2025.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| S&P | B-, Stable33 | UAE company | 24 Jun 2026 |
Awards
Recent news
- New chief executive named
The board appointed Ahmed Khalifa as CEO and the Central Bank gave its non-objection. He had not started at the date of the filing.28
- Acting finance chief assigned
An acting CFO and acting deputy started on an interim basis while final regulatory approval is completed.29
- First-half profit of AED 77.2 million
The auditor qualified its review because it had not received the forensic report, and the solvency capital deficit was AED 211.8 million at 30 June.24
- DIFC appeal ruling in USD 70 million marine dispute
The DIFC Court of Appeal ruled that English law governs a war-risk reinsurance contract and overturned a finding that the reinsurer must cover the company's defence costs.36
- Property sold for AED 31 million
The company disclosed the sale of a real estate investment, giving the reason as supporting cash flow.31
Contact Al Buhaira Insurance
- Phone065174444
- Emailcare@albuhaira.com
- HoursHead office and motor department pages: Monday to Thursday 8am to 5pm with a lunch break 1.30pm to 2pm, Friday 8am to noon, closed Saturday and Sunday. Branch pages: 8am to 5pm.
- Head office6th Floor, Buhaira Insurance Towers, Khalid Lagoon, Buhaira Corniche, Sharjah, P.O. Box 6000
Branches (12)
| Branch | Address | Phone |
|---|---|---|
| Motor insurance sales, head office | Ground Floor, Al Buhaira Tower, Buhaira Corniche, Sharjah | 600535357 |
| Motor claims, Rolla | Al Buhaira Building, near Sharjah Fort (Al Hisn), Rolla, Sharjah. The motor department page says ground floor. The Motor Claims Rolla page says 2nd floor. | 065684000 |
| Deira | Ground and 1st floor, Al Buhairah Building, close to Deira Clock Tower, Dubai | 042319444 |
| Sheikh Zayed Road | 1st Floor, Al Wadi Building, Sheikh Zayed Road, Dubai. The Google listing says M-13 and M-03 (mezzanine) and 312 (3rd floor), Al Wadi Building. | 043435995 |
| Hatta | 0508917217 | |
| Abu Dhabi, motor and non-motor | 5th Floor, Sultan International Tower, near FAB Islamic Bank, Corniche Street, Abu Dhabi | 026226200 |
| Al Ain | Building No 10, flat 8, Al Ain city center, Oud Al Touba, Salah Aldeen St, Al Ain. The Google listing says Floor 3, Flat 301, Salahuddeen Al Ayyubi St. | 037641960 |
| Ajman | Ground Floor Shop No.2, Block A, City Tower, Sheikh Khalifa Bin Zayed Street, Ajman | 067467777 |
| Fujairah | Hamad Bin Abdulla Road, Sixteen Building, Building No.3, Fujairah | 092227288 |
| Khor Fakkan | Shaikh Sagr Building, opposite Golden Fork Restaurant, above Bin Moosa Pharmacy, Corniche Road, Khor Fakkan | 092386089 |
| Ras Al Khaimah | Ground Floor, next to Khaleej Investment Building, 21A Street, Al Muntasir Road, Ras Al Khaimah | 072279704 |
| Umm Al Quwain | Al Farahidi St, Al Bootain, Al Hamrah, Umm Al Quwain | 065468466 |
Common questions
Is Al Buhaira Insurance financially strong?
S&P rates it B- with a stable outlook, as of 24 June 2026. At 30 June 2026 its capital was AED 211.8 million below the Central Bank solvency capital requirement.24
What is the Al Buhaira motor claims number?
The motor claims number is 600545457. WhatsApp is 050 107 9830 and the email is motorclaims@albuhaira.com.14
What is the Al Buhaira roadside assistance number?
The roadside assistance helpline is 8008181. Whether you have the benefit depends on your policy.2
Does Al Buhaira comprehensive insurance cover floods?
Not automatically. Flood cover depends on the package or an extension, and the Gold benefits list natural disaster, storm and flood.8
Does Al Buhaira include agency repair?
It may be available for eligible vehicles under selected policies, depending on the vehicle, the policy and underwriting. After a car's first three years on the road, the standard wording says the company may agree if you ask when taking out the policy.8
Can I buy Al Buhaira car insurance online?
Yes. Eligible customers can enter driver and vehicle details and see the cover and premium on its online quote page.5
How do I complain to Al Buhaira?
Use the complaint form on its website, or call 06 511 7281. The published complaint hours are Monday to Friday, 8.30am to 5pm.18
Sources
51
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Al Buhaira National Insurance, Home page with helpline numbers. Last checked 5 Nov 2026. Source document: Home page with helpline numbers
3Al Buhaira National Insurance, About us. Last checked 5 Nov 2026. Source document: About us
4Al Buhaira National Insurance, Financial market listing. Last checked 5 Nov 2026. Source document: Financial market listing
5Al Buhaira National Insurance, Motor insurance. Last checked 5 Nov 2026. Source document: Motor insurance
6Al Buhaira National Insurance, Car insurance UAE. Last checked 5 Nov 2026. Source document: Car insurance UAE
7Al Buhaira National Insurance, Vehicle insurance. Last checked 5 Nov 2026. Source document: Vehicle insurance
8Al Buhaira National Insurance, Comprehensive insurance. Last checked 5 Nov 2026. Source document: Comprehensive insurance
9Al Buhaira National Insurance, Third-party insurance. Last checked 5 Nov 2026. Source document: Third-party insurance
10Al Buhaira National Insurance, Car insurance offer. Last checked 5 Nov 2026. Source document: Car insurance offer
11Al Buhaira National Insurance, Esaad card holders. Last checked 5 Nov 2026. Source document: Esaad card holders
12Al Buhaira National Insurance, Affinity schemes. Last checked 5 Nov 2026. Source document: Affinity schemes
13Al Buhaira National Insurance, Digital services. Last checked 5 Nov 2026. Source document: Digital services
14Al Buhaira National Insurance, Motor claim. Last checked 5 Nov 2026. Source document: Motor claim
15Al Buhaira National Insurance, Motor insurance department. Last checked 5 Nov 2026. Source document: Motor insurance department
16Al Buhaira National Insurance, Motor claims Rolla. Last checked 5 Nov 2026. Source document: Motor claims Rolla
17Al Buhaira National Insurance, Head office. Last checked 5 Nov 2026. Source document: Head office
18Al Buhaira National Insurance, Register complaint. Last checked 5 Nov 2026. Source document: Register complaint
19Al Buhaira National Insurance, Branches. Last checked 5 Nov 2026. Source document: Branches
20Al Buhaira National Insurance, Company profile 2025 (PDF). Last checked 5 Nov 2026. Source document: Company profile 2025 (PDF)
21Al Buhaira National Insurance, Motor Vehicle Insurance Policy Against Loss and Damage (PDF). Last checked 5 Nov 2026. Source document: Motor Vehicle Insurance Policy Against Loss and Damage (PDF)
22Al Buhaira National Insurance, Motor Vehicle Insurance Policy Against Third Party (PDF). Last checked 5 Nov 2026. Source document: Motor Vehicle Insurance Policy Against Third Party (PDF)
23Al Buhaira National Insurance, Consolidated financial statements, year ended 31 December 2025 (PDF). Last checked 5 Nov 2026. Source document: Consolidated financial statements, year ended 31 December 2025 (PDF)
24Al Buhaira National Insurance, Condensed interim financial information, six months to 30 June 2026 (PDF). Last checked 5 Nov 2026. Source document: Condensed interim financial information, six months to 30 June 2026 (PDF)
25Al Buhaira National Insurance, Corporate governance report 2025 (PDF). Last checked 5 Nov 2026. Source document: Corporate governance report 2025 (PDF)
26Al Buhaira National Insurance, Integrated report 2025 (PDF). Last checked 5 Nov 2026. Source document: Integrated report 2025 (PDF)
27Al Buhaira National Insurance, General assembly minutes, 25 April 2026 (PDF). Last checked 5 Nov 2026. Source document: General assembly minutes, 25 April 2026 (PDF)
28Al Buhaira National Insurance, ADX disclosure, appointment of Chief Executive Officer, 28 September 2026 (PDF). Last checked 5 Nov 2026. Source document: ADX disclosure, appointment of Chief Executive Officer, 28 September 2026 (PDF)
29Al Buhaira National Insurance, ADX disclosure, interim finance assignments, 9 September 2026 (PDF). Last checked 5 Nov 2026. Source document: ADX disclosure, interim finance assignments, 9 September 2026 (PDF)
30Al Buhaira National Insurance, ADX disclosure, change of executive management, 30 January 2026 (PDF). Last checked 5 Nov 2026. Source document: ADX disclosure, change of executive management, 30 January 2026 (PDF)
31Al Buhaira National Insurance, ADX disclosure, sale of real estate investment, 2 July 2026 (PDF). Last checked 5 Nov 2026. Source document: ADX disclosure, sale of real estate investment, 2 July 2026 (PDF)
32Abu Dhabi Securities Exchange, ABNIC financial reports. Last checked 5 Nov 2026. Source document: ABNIC financial reports
33S&P Global Ratings, Research Update: B- rating affirmed, outlook stable, 24 June 2026. Last checked 5 Nov 2026. Source document: Research Update: B- rating affirmed, outlook stable, 24 June 2026
34S&P Global Ratings, Al Buhaira National Insurance Downgraded To 'B-', 14 June 2024. Last checked 5 Nov 2026. Source document: Al Buhaira National Insurance Downgraded To 'B-', 14 June 2024
35DIFC Courts, Al Buhaira National Insurance Company v Arab War Risks Insurance Syndicate [2026] DIFC CA 003. Last checked 5 Nov 2026. Source document: Al Buhaira National Insurance Company v Arab War Risks Insurance Syndicate [2026] DIFC CA 003
36ICLG, Reinsurer wins appeal over defence costs in $70m war-risk dispute. Last checked 5 Nov 2026. Source document: Reinsurer wins appeal over defence costs in $70m war-risk dispute
37Apple App Store, ABNIC Health Vault. Last checked 5 Nov 2026. Source document: ABNIC Health Vault
38Google Play, ABNIC Health Vault. Last checked 5 Nov 2026. Source document: ABNIC Health Vault
39Al Buhaira National Insurance, Fazaa card holders. Last checked 5 Nov 2026. Source document: Fazaa card holders
40Al Buhaira National Insurance, Homat Al Watan card holders. Last checked 5 Nov 2026. Source document: Homat Al Watan card holders
41Al Buhaira National Insurance, Motor insurance, head office. Last checked 5 Nov 2026. Source document: Motor insurance, head office
42Al Buhaira National Insurance, Deira branch. Last checked 5 Nov 2026. Source document: Deira branch
43Al Buhaira National Insurance, Sheikh Zayed Road branch. Last checked 5 Nov 2026. Source document: Sheikh Zayed Road branch
44Al Buhaira National Insurance, Hatta point of sale. Last checked 5 Nov 2026. Source document: Hatta point of sale
45Al Buhaira National Insurance, Abu Dhabi branch. Last checked 5 Nov 2026. Source document: Abu Dhabi branch
46Al Buhaira National Insurance, Al Ain branch. Last checked 5 Nov 2026. Source document: Al Ain branch
47Al Buhaira National Insurance, Ajman branch. Last checked 5 Nov 2026. Source document: Ajman branch
48Al Buhaira National Insurance, Fujairah branch. Last checked 5 Nov 2026. Source document: Fujairah branch
49Al Buhaira National Insurance, Khor Fakkan branch. Last checked 5 Nov 2026. Source document: Khor Fakkan branch
50Al Buhaira National Insurance, Ras Al Khaimah branch. Last checked 5 Nov 2026. Source document: Ras Al Khaimah branch
51Al Buhaira National Insurance, Umm Al Quwain point of sale. Last checked 5 Nov 2026. Source document: Umm Al Quwain point of sale
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published