Al Ittihad Al Watani
Al Ittihad Al Watani, also known as L'Union Nationale, is a Lebanese insurer founded in 1947 with branches in Dubai and Abu Dhabi. Nasco Insurance Group bought 93.9% of it in a deal reported in March 2017. In the UAE it sells car, medical, travel, home, pet and business insurance.
Out of 5 from 231 Google reviews across 2 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Al Ittihad Al Watani
Al Ittihad Al Watani averages 2.3 out of 5 across 231 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Counts come from the 32 reviews we read that are about car insurance, most from 2025 to 2026.
What customers praise
Claim handled quickly3 of 32
by the very next day my case was assigned to a workshop and I received a rental car
What customers complain about
Calls and emails go unanswered after an accident21 of 32
I had an accident and tried to contact them more than 20 times, but there was no response at all.
Long waits for repair approval or a garage10 of 32
Almost a month has passed since my accident, and I am still waiting for repair approval.
Rental car late, missing or not reimbursed5 of 32
it’s been three days since my accident and I still haven’t received the rental car.
Repairs or payouts lower than expected3 of 32
The company undervalues vehicles well below market price and refuses to offer fair compensation.
Read the Google reviews for each office
| Office | Rating | Reviews |
|---|---|---|
| Al Durrah building, Mezanine Floor, M01 Office Dubai | 2.3 | 174 |
| F95H+VXJ, New, Airport Rd, Al Manhal - W15 02 - Abu Dhabi | 2.2 | 57 |
Al Ittihad Al Watani car insurance
Sells comprehensive and third party car insurance to individuals, and fleet cover to businesses. Dealer repair is an option on comprehensive, and Oman cover and a hire car are additional covers.
| Plan | Type | What it is |
|---|---|---|
| Comprehensive Protection | Comprehensive | Third party property damage up to AED 3,500,000 and unlimited third party bodily injury. Includes fire and theft, storm, flood, riot and strike.3 |
| Third-Party Liability Protection | Third party | Third party property damage up to AED 2,000,000 and unlimited third party bodily injury.3 |
| Motor Fleet | Other | For businesses. Covers private and commercial vehicles such as sedans, SUVs, trucks, pickups, vans and buses. Comprehensive, third party or a mix of both.9 |
| Cover | With this insurer | Details |
|---|---|---|
| Loss or damage to your own car | Depends on plan | The motor page marks this Included on comprehensive and on third party. The same table marks fire, theft, storm and flood Not Applicable on third party. Check your policy schedule.3 |
| Agency repair | Optional extra | Listed as dealer repair, "Optional up to 5 years", on comprehensive. Not applicable on third party.3 |
| Roadside assistance | Included | 24-hour accident and breakdown recovery is included on comprehensive and third party. Call 600 575 751.3 |
| Hire car | Optional extra | Listed as an additional cover on comprehensive and third party.3 |
| Personal accident, driver | Included | Included on comprehensive and third party. The same table lists personal injury cover as Not Applicable on both. Check your policy schedule.3 |
| Personal accident, passengers | Included | Included on comprehensive and third party. The same table lists personal injury cover as Not Applicable on both. Check your policy schedule.3 |
| Oman cover | Optional extra | Additional cover on comprehensive and third party. Orange Card provided on request.3 |
| Off-road cover | Depends on plan | Included on comprehensive for SUVs with off-road capability only. Not applicable on third party.3 |
More cover details (10)
| Cover | With this insurer | Details |
|---|---|---|
| Storm, flood, riot and strike | Included | Included on comprehensive. Not applicable on third party.3 |
| Fire and theft | Included | Included on comprehensive. Not applicable on third party.3 |
| Windscreen damage | Included | Excess waiver up to AED 3,000 on comprehensive. Not applicable on third party.3 |
| No-claims discount | Included | Included on comprehensive and third party.3 |
| New car replacement | Depends on plan | New for old cover for the first 12 months on comprehensive. Not applicable on third party.3 |
| Emergency medical expenses | Included | AED 5,000 annual aggregate limit on comprehensive. Not applicable on third party.3 |
| Personal belongings | Included | AED 4,000 annual aggregate limit on comprehensive. Not applicable on third party.3 |
| Lock replacement | Included | Up to AED 2,000 on comprehensive. Not applicable on third party.3 |
| Valet parking theft | Included | Up to the sum insured on comprehensive. Not applicable on third party.3 |
| Legal liability for family members and third party | Included | Included on comprehensive and third party.3 |
How to claim with Al Ittihad Al Watani
- Roadside help600 575 751
- Claims emailaccidents@unic-aiaw.com
- Claim onlineOpen claim page
24-hour accident and breakdown recovery, listed as included on comprehensive and third party.3
Steps
- Call the police and get the accident report.7
- Prepare copies of the documents listed below.7
- Email the motor claims team at accidents@unic-aiaw.com.7
- You can also submit your details on the online claim form.5
- For a fleet policy, contact the claims officers on 04 210 6803 or 04 210 6808.8
- Wait for the team to send a claim reference number and the next steps.7
- The motor claim page says the team replies during office hours, 8.30 am to 4.30 pm, Monday to Friday. The fleet claim page gives the same hours, Sunday to Thursday.7
- The online claim form says the company will get back to you within two working days.5
- The complaint policy, last updated in November 2021, says complaints are acknowledged in writing within 3 working days. It treats a complaint as closed if you do not reply within 2 days of the proposed resolution. If you are unhappy with the final response, or after a delay of more than 15 working days, it says you can go to the relevant authorities.11
Not happy with a claim? Complain to Al Ittihad Al Watani at support@unic-aiaw.com first. How to take a complaint to Sanadak.
About Al Ittihad Al Watani
- Legal name
- AL ITTIHAD AL WATANI - GENERAL INSURANCE COMPANY FOR THE NEAR EAST
- Founded
- 19474
- Type
- Conventional insurer18
- Owner
- The UAE business is made up of branches of a Lebanese company, Al Ittihad Al Watani (L'Union Nationale). Nasco Insurance Group bought 93.9% of that company for US$17.5 million. Middle East Insurance Review reported the deal in March 2017 and YallaCompare dates it to December 2016. The company's website says it is part of the Nasco Insurance Group.16
- Headquarters
- UAE main office: Garhoud, Dubai6
- UAE branches
- Two offices: Dubai (Garhoud) and Abu Dhabi (Airport Road)6
- Also sells
- Medical, Personal accident, Travel, Household, Pet, Group medical, Property, Engineering, Marine cargo, Workers' compensation, Money and fidelity, Product liability2
- Central Bank
- Listed in the CBUAE register, September 2026, number 421
Financial strength
AM Best withdrew its rating of the Lebanese company in March 2023 at the company's request, and said it could not give a final opinion because it lacked sufficient and reliable financial information. The figures here are for the UAE branches only. In these accounts, profit is the amount added to the Head Office account after tax and equity is the Head Office account and reserves.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| AM Best | Withdrawn. Last rating was B (Fair)., Under review with negative implications when withdrawn14 | Parent group | 3 Mar 2023 |
Recent news
- UAE branches publish 2025 accounts showing AED 22.6 million profit
Insurance revenue was AED 339.6 million in 2025, up from AED 272.2 million in 2024, and profit after tax rose from AED 11.2 million.12
- AM Best withdraws its ratings
AM Best withdrew the B (Fair) rating of the Lebanese company at the company's request, while the rating was under review with negative implications.14
- AM Best downgrades the company to B (Fair)
The downgrade from B+ (Good) followed extended delays in releasing audited accounts for 2021.15
- Nasco Insurance Group takes majority stake
Atlas Magazine reported that Nasco acquired 93.9% of the Lebanese insurer for US$17.5 million. Middle East Insurance Review reported the deal in March 2017 and YallaCompare dates it to December 2016.17
Contact Al Ittihad Al Watani
- Phone04 210 6800
- Emailunic@unic-aiaw.com
- HoursMotor claim page: 8.30 am to 4.30 pm, Monday to Friday. Fleet claim page: 8.30 am to 4.30 pm, Sunday to Thursday. Google Maps, both offices: Monday to Thursday 8.30 am to 4.30 pm, Friday 8.30 am to 12.30 pm.
- Head officeGarhoud, 57th Street, Al Durrah 4 Building, M Floor, Office M01, Dubai
Branches (2)
| Branch | Address | Phone |
|---|---|---|
| Dubai office | Garhoud, 57th Street, Al Durrah 4 Building, M Floor, Office M01 | 04 210 6800 |
| Abu Dhabi office | Airport Road, NBK Tower, Office 1201 | 02 650 4440 |
Common questions
Is Al Ittihad Al Watani a UAE company?
It operates in the UAE through branches of a Lebanese insurer, also known as L'Union Nationale. Its UAE offices are in Dubai and Abu Dhabi.12
Who owns Al Ittihad Al Watani?
Nasco Insurance Group bought 93.9% of the Lebanese company in a deal reported in 2017.16
Does Al Ittihad Al Watani have a credit rating?
AM Best withdrew its rating in March 2023 at the company's request. The last rating was B (Fair).14
How do I make a car insurance claim with Al Ittihad Al Watani?
Get a police report, then email it with copies of your registration card, licence and Emirates ID to accidents@unic-aiaw.com. The team sends a claim reference number and the next steps.7
What is the Al Ittihad Al Watani roadside assistance number?
Call 600 575 751. The motor page lists 24-hour accident and breakdown recovery as included on comprehensive and third party.3
Does Al Ittihad Al Watani comprehensive cover include agency repair?
Dealer repair is listed as optional, up to 5 years, on comprehensive. It is not applicable on third party.3
Does Al Ittihad Al Watani car insurance cover Oman?
Oman cover is an additional cover on comprehensive and third party. The Orange Card is provided on request.3
Sources
22
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Al Ittihad Al Watani, Homepage. Last checked 5 Nov 2026. Source document: Homepage
3Al Ittihad Al Watani, Motor insurance. Last checked 5 Nov 2026. Source document: Motor insurance
4Al Ittihad Al Watani, About us. Last checked 5 Nov 2026. Source document: About us
5Al Ittihad Al Watani, Motor claim submission. Last checked 5 Nov 2026. Source document: Motor claim submission
6Al Ittihad Al Watani, Contact us. Last checked 5 Nov 2026. Source document: Contact us
7Al Ittihad Al Watani, Motor claim. Last checked 5 Nov 2026. Source document: Motor claim
8Al Ittihad Al Watani, Motor fleet claim. Last checked 5 Nov 2026. Source document: Motor fleet claim
9Al Ittihad Al Watani, Motor fleet insurance. Last checked 5 Nov 2026. Source document: Motor fleet insurance
10Al Ittihad Al Watani, Get quote form. Last checked 5 Nov 2026. Source document: Get quote form
11Al Ittihad Al Watani, Complaint Management Policy (last updated November 2021). Last checked 5 Nov 2026. Source document: Complaint Management Policy (last updated November 2021)
12Gulf Today (published statement, audited by Grant Thornton), UAE Branches financial statements for the year ended 31 December 2025. Last checked 5 Nov 2026. Source document: UAE Branches financial statements for the year ended 31 December 2025
13Gulf Today (published statement, audited by Grant Thornton), UAE Branches financial statements for the year ended 31 December 2024. Last checked 5 Nov 2026. Source document: UAE Branches financial statements for the year ended 31 December 2024
14AM Best via Business Wire (Wayback Machine copy), AM Best Withdraws Credit Ratings of Al Ittihad Al Watani (L'Union Nationale). Last checked 5 Nov 2026. Source document: AM Best Withdraws Credit Ratings of Al Ittihad Al Watani (L'Union Nationale)
15AM Best, AM Best Downgrades Credit Ratings of Al Ittihad Al Watani; Places Credit Ratings Under Review with Negative Implications. Last checked 5 Nov 2026. Source document: AM Best Downgrades Credit Ratings of Al Ittihad Al Watani; Places Credit Ratings Under Review with Negative Implications
16Middle East Insurance Review, Lebanon: Nasco Insurance Group acquires majority stake in insurer. Last checked 5 Nov 2026. Source document: Lebanon: Nasco Insurance Group acquires majority stake in insurer
17Atlas Magazine, Nasco Insurance Group detains a majority stake in Al Ittihad Al Watani. Last checked 5 Nov 2026. Source document: Nasco Insurance Group detains a majority stake in Al Ittihad Al Watani
18eSanad, Al Ittihad Al Watani UAE insurance and claims guide. Last checked 5 Nov 2026. Source document: Al Ittihad Al Watani UAE insurance and claims guide
19YallaCompare, Al-Ittihad Al-Watani insurer page. Last checked 5 Nov 2026. Source document: Al-Ittihad Al-Watani insurer page
20Trustpilot, alittihadalwatani.com profile. Last checked 5 Nov 2026. Source document: alittihadalwatani.com profile
21Policybazaar UAE, Al Ittihad Al Watani car insurance. Last checked 5 Nov 2026. Source document: Al Ittihad Al Watani car insurance
22Google Maps, Al Ittihad Al Watani business listings, Dubai and Abu Dhabi. Last checked 5 Nov 2026. Source document: Al Ittihad Al Watani business listings, Dubai and Abu Dhabi
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published