Al Dhafra Insurance
Al Dhafra Insurance is an Abu Dhabi insurer set up by Amiri Decree in 1979 and listed on the Abu Dhabi Securities Exchange. Its largest shareholder is Ghobash Trading, with 21.85% at 31 December 2025. It sells car, health, home, marine and other insurance to individuals and companies.
Out of 5 from 1,239 Google reviews across 15 offices
- App Store2.718 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Al Dhafra Insurance
Al Dhafra Insurance averages 3.3 out of 5 across 1,239 Google reviews of its UAE offices, read 5 Nov 2026. Offices range from 2.9 to 3.9. Those reviews cover everything it sells, not only car insurance.
Counts come from the 54 reviews we read that are about car insurance, most from 2023 to 2026.
What customers praise
Claims handled quickly6 of 54
They were welcoming and handled my case quickly, right up until my vehicle was repaired.
Friendly, helpful staff5 of 54
It was a very easy and fast process. Nice friendly staff and professional.
Good repair garage3 of 54
the garage they suggested me was also very professional got my car fixed in less than 2 days
What customers complain about
Calls and emails not answered after an accident16 of 54
I’ve been trying to contact Al Dhafra Insurance for hours after a minor parking accident, and no one is answering the phone.
Slow claims and repairs14 of 54
It has been over a week since my car was sent to the workshop, and no repairs have started
Garage choice, parts and repair quality9 of 54
I discovered that they installed very old used parts instead of new ones without informing me.
Roadside and recovery problems6 of 54
Never answer the phone and recovery service is the worst
Read the Google reviews for each office
Al Dhafra Insurance car insurance
Al Dhafra sells comprehensive and third party only motor policies for all kinds of vehicles licensed for road use, including private cars, goods vehicles, buses and rental vehicles. Vehicles can be insured one at a time or together under a fleet policy.
| Plan | Type | What it is |
|---|---|---|
| Comprehensive Motor policy | Comprehensive | Covers damage to your own vehicle and legal liability to third parties for injury, death and property damage. Insured risks are collision or overturning, fire, external explosion, self ignition, lightning, burglary or theft, malicious damage and transit risks.2 |
| Third party only motor policy | Third party | Covers only legal liability to third parties for injury, death and property damage.2 |
| Fleet policy | Other | Covers a whole fleet of vehicles under one policy.2 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Optional extra | A comprehensive policy may be extended to include repair in a dealer's workshop.2 |
| Personal accident cover | Optional extra | A comprehensive policy may be extended to include personal accident cover.2 |
| Cover outside the UAE | Optional extra | Comprehensive and third party only policies may both be extended to territories beyond the UAE. Ask the company which countries apply.2 |
| Fire and theft | Included | Fire, burglary and theft are among the risks insured under a comprehensive policy.2 |
| Electric vehicles | Included | The 2024 integrated report says the company provides motor insurance for green vehicles, such as electric vehicles.16 |
How to claim with Al Dhafra Insurance
- Claims phone02 694 9580
- Claim onlineOpen claim page
Steps
- Tell the company by phone, then confirm in writing.6
- Provide your police or Saaed report, driving licence, registration card (Mulkiya), location and contact details.5
- Wait for the claims team to tell you the next step.6
- You can also use the claim section of the Al Dhafra app, which takes photos and files.20
- Complaints: the complaints procedure says an investigation may take up to 14 days. The 2024 integrated report says complaints are resolved within 1 business day.9
Not happy with a claim? Complain to Al Dhafra Insurance at customerservice@aldhafrainsurance.ae first. How to take a complaint to Sanadak.
About Al Dhafra Insurance
- Legal name
- Al dhafra Insurance Company
- Founded
- 197912
- Type
- Conventional insurer. It writes both life and non-life business.3
- Owner
- A public company with 155 shareholders at 31 December 2025. Holders above 5%: Ghobash Trading 21.85%, H.E. Sheikh Mohammed Bin Sultan Al Dhahiri 8.98%, Ataya Masharea 6.59%, Saeed Ahmed Omran Al Mazroui 6.00%, Masaa Company 5.83%.4
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker DHAFRA18
- Headquarters
- Abu Dhabi3
- UAE branches
- 5 branches across 3 emirates, plus sales offices in some traffic and immigration offices15
- Also sells
- Health, Group life, Personal accident, Household, Fire, Marine cargo, Marine hull, Aviation, Engineering, Energy, Liability, Workmen's compensation3
- Central Bank
- Listed in the CBUAE register, September 2026, number 51
Financial strength
AM Best says the combined ratio went above 100% in 2024, the first time in five years, and calculates 94.9% for 2025. Moody's assigned its Baa1 grade in April 2018, and the company's 2025 ESG report still lists it.
Recent news
- Marine war cover drove first half revenue growth
Gross insurance revenue reached AED 682 million in the first half of 2026. AM Best says the growth came mainly from marine war cover, which is fully reinsured.22
- AM Best affirmed its ratings
AM Best kept the B++ (Good) financial strength rating and bbb+ (Good) issuer credit rating with a stable outlook.17
- First half 2026 accounts approved
Profit after tax for the six months to 30 June 2026 was AED 37.5 million, against AED 38.1 million a year earlier.12
- Shareholders approved a AED 35 million dividend
The cash dividend was paid on 24 April 2026.12
- 2025 profit rose
Profit after tax for 2025 was AED 48.9 million, against AED 38.4 million in 2024.24
Contact Al Dhafra Insurance
- Phone02 694 9444
- Emailinfo@aldhafrainsurance.ae
- HoursThe motor claims page says 8am to 4pm, Sunday to Thursday. Google Maps shows the head office, Sharjah and Musaffah claims offices open Monday to Thursday 8am to 4pm and Friday 8am to 12pm and 2pm to 4pm, and the Dubai and Al Ain offices open Monday to Friday 8am to 4pm.
- Head officeCompany Building, Zayed the 2nd Street, P.O. Box 319, Abu Dhabi
Branches (10)
| Branch | Address | Phone |
|---|---|---|
| Head Office | Company Building, Zayed the 2nd Street, P.O. Box 319, Abu Dhabi | 02 694 9444 |
| Musaffah Motor Claims and Customer Service Center | Musaffah Industrial Area, next to Premier Motors, Zone 15 | 02 694 9580 |
| Al Ain Branch | P.O. Box 15159, Al Ain. The contact page and Google Maps give the number shown. The 2025 governance report gives 03 751 2000. | 03 705 3666 |
| Bida Zayed Branch | P.O. Box 50094, Bida Zayed | 02 884 6048 |
| Dubai Branch | P.O. Box 14006, Dubai | 04 210 3777 |
| Sharjah Branch | P.O. Box 28892, Sharjah. The contact page and Google Maps give the number shown. The 2025 governance report gives 06 553 6060. | 06 599 0333 |
| Abu Dhabi Traffic Office | The contact page gives the number shown. Google Maps gives 02 694 9594. | 02 694 9592 |
| Mussafah Traffic Office | 02 694 9585 | |
| Baniyas Immigration Office | 02 694 9590 | |
| Al Rahba Immigration Office | 02 694 9591 |
Common questions
Who owns Al Dhafra Insurance?
It is a listed public company. Ghobash Trading was the largest shareholder at 31 December 2025, with 21.85%.4
What car insurance does Al Dhafra sell?
It sells comprehensive and third party only motor policies. Fleets can be insured under one policy.2
Does Al Dhafra offer agency repair?
A comprehensive policy may be extended to include repair in a dealer's workshop.2
Does Al Dhafra car insurance work outside the UAE?
Comprehensive and third party only policies may both be extended beyond the UAE. Ask the company which countries apply.2
How do I claim with Al Dhafra car insurance?
Tell the company by phone, then confirm in writing. Provide your police or Saaed report, driving licence and registration card.6
What is the phone number for Al Dhafra motor claims?
The Musaffah Motor Claims and Customer Service Center is on 02 694 9580.8
What is Al Dhafra Insurance rated?
AM Best affirmed B++ (Good) with a stable outlook on 15 October 2026.17
Sources
25
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Al Dhafra Insurance, Vehicle Insurance. Last checked 5 Nov 2026. Source document: Vehicle Insurance
3Al Dhafra Insurance, Company Profile. Last checked 5 Nov 2026. Source document: Company Profile
4Al Dhafra Insurance, Shareholding Structure. Last checked 5 Nov 2026. Source document: Shareholding Structure
5Al Dhafra Insurance, Motor Claim Notification. Last checked 5 Nov 2026. Source document: Motor Claim Notification
6Al Dhafra Insurance, Claim settlement process. Last checked 5 Nov 2026. Source document: Claim settlement process
7Al Dhafra Insurance, Benefits of claim-free policy. Last checked 5 Nov 2026. Source document: Benefits of claim-free policy
8Al Dhafra Insurance, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
9Al Dhafra Insurance, Complaints and Disputes Procedures. Last checked 5 Nov 2026. Source document: Complaints and Disputes Procedures
10Al Dhafra Insurance, Complaints & Claims. Last checked 5 Nov 2026. Source document: Complaints & Claims
11Al Dhafra Insurance, Moody's Rating. Last checked 5 Nov 2026. Source document: Moody's Rating
12Al Dhafra Insurance, Financial statements, six months to 30 June 2026. Last checked 5 Nov 2026. Source document: Financial statements, six months to 30 June 2026
13Al Dhafra Insurance, Financial statements and directors report, year to 31 December 2025. Last checked 5 Nov 2026. Source document: Financial statements and directors report, year to 31 December 2025
14Al Dhafra Insurance, Annual Corporate Governance Report 2025. Last checked 5 Nov 2026. Source document: Annual Corporate Governance Report 2025
15Al Dhafra Insurance, ESG Sustainability Report 2025. Last checked 5 Nov 2026. Source document: ESG Sustainability Report 2025
16Al Dhafra Insurance, Integrated Report 2024. Last checked 5 Nov 2026. Source document: Integrated Report 2024
17AM Best, AM Best Affirms Credit Ratings of Al Dhafra Insurance Company P.S.C. (15 October 2026). Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Al Dhafra Insurance Company P.S.C. (15 October 2026)
18Abu Dhabi Securities Exchange, Al Dhafra Insurance Co. company financial reports. Last checked 5 Nov 2026. Source document: Al Dhafra Insurance Co. company financial reports
19Moody's, United Arab Emirates insurance reports list. Last checked 5 Nov 2026. Source document: United Arab Emirates insurance reports list
20Apple App Store, Al Dhafra Insurance app. Last checked 5 Nov 2026. Source document: Al Dhafra Insurance app
21Trustpilot, aldhafrainsurance.ae profile. Last checked 5 Nov 2026. Source document: aldhafrainsurance.ae profile
22Middle East Insurance Review, UAE: Marine war demand propels Al Dhafra insurance's gross revenue in 1H2026. Last checked 5 Nov 2026. Source document: UAE: Marine war demand propels Al Dhafra insurance's gross revenue in 1H2026
23Business Insurance, Marine war demand fuels Al Dhafra's revenue surge. Last checked 5 Nov 2026. Source document: Marine war demand fuels Al Dhafra's revenue surge
24MT Newswires via Webull, Al Dhafra Insurance Logs Higher FY25 Profit, Insurance Revenue. Last checked 5 Nov 2026. Source document: Al Dhafra Insurance Logs Higher FY25 Profit, Insurance Revenue
25Al Dhafra Insurance, What's new. Last checked 5 Nov 2026. Source document: What's new
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published