Arabia Insurance
Arabia Insurance is the UAE operation of Arabia Insurance Company s.a.l., a Lebanese insurer founded in 1944 with its head office in Beirut. Arab Bank owns 47.27% of its holding company, Arabia Group Holding Limited. It sells third-party and comprehensive car insurance in the UAE from offices in Dubai, Abu Dhabi, Sharjah and Al Ain.
Out of 5 from 376 Google reviews across 4 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Arabia Insurance
Arabia Insurance averages 3.9 out of 5 across 376 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Counts come from the 38 reviews we read that are about car insurance, most from 2025 to 2026.
What customers praise
Helpful, responsive staff25 of 38
The team is very helpful, responsive, and easy to work with.
Quick renewal or new policy13 of 38
My car insurance was renewed in under an hour
Competitive price5 of 38
Motor insurance policy is easy to understand and competitively priced
Claim handled smoothly3 of 38
easy motor claim process and car repaired very well
What customers complain about
Claim or repair took a long time5 of 38
it took me almost two months to repair the car
Disagreed with the settlement or accident assessment4 of 38
No answer during a claim3 of 38
I have been attempting to reach out since this morning, but unfortunately, I have not received any response or assistance.
Too much paperwork3 of 38
I was then met with an array of additional paperwork
Read the Google reviews for each office
Arabia Insurance car insurance
Arabia Insurance sells third-party liability and comprehensive car insurance in the UAE. It also lists motor fleet cover for businesses.
| Plan | Type | What it is |
|---|---|---|
| Third-Party Liability Insurance | Third party | Covers death or injury to other people and damage to their property caused by your car. It does not cover loss of or damage to your own car.8 |
| Comprehensive Insurance | Comprehensive | Covers damage to your car, fire and theft, plus the features listed below.2 |
| Motor Fleet | Other | For business fleets. Includes Tool of Trade cover.7 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | Repairs are at the car's authorised dealership if you selected agency repair. The brochure lists Dealer Repair and Waiver of Depreciation under special features, up to 3 years. The car insurance page lists it as a main feature of the comprehensive plan.8 |
| Approved garage repair | Depends on plan | The FAQ page says that if you choose non-agency repair, Arabia selects one of its approved garages, with a 6-month guarantee on mechanical work and a 12-month guarantee on body repairs and paint.8 |
| Roadside assistance | Depends on plan | The car insurance page and brochure say free roadside assistance. The FAQ page says it is an optional extra with Comprehensive and standard with Executive cover. The car insurance page lists no Executive plan. Services include towing, battery boosting, off-road assistance and car registration. Available in the UAE and Oman, not in other GCC countries.8 |
| Replacement car | Depends on plan | The car insurance page lists Replacement Car as a main feature of the comprehensive plan. The brochure lists Rent a Car under special features. The FAQ page treats it as cover you opt for. The FAQ page says it is a standard saloon up to four years old with a 1.6 litre engine, depending on policy type, and it may not be like-for-like. Cash instead of a car is only allowed if no hire car is available or for another compelling reason.8 |
| Personal accident cover | Included | The brochure lists cover for the insured or driver and for their family members. Cover for the insured's employees is listed under special features.6 |
| Oman cover | Included | The car insurance page and brochure say the Oman extension is for own damage only. The FAQ page says Oman is included for own damage and third-party liability. An Orange Card can be requested before the trip.8 |
| Off-road cover | Depends on plan | Listed under special features in the brochure, separately from the main features.6 |
| Natural disaster cover | Included | Natural calamities as per the Insurance Authority are a main feature. Acts of God are listed separately under special features.6 |
More cover details (12)
| Cover | With this insurer | Details |
|---|---|---|
| Windscreen | Included | Windscreen damage with the excess waived.6 |
| Ambulance and medical expenses | Included | Both are listed as main features of the comprehensive plan.6 |
| Strikes, riots and civil commotion | Included | Listed as a main feature. Political violence is listed separately under special features.6 |
| Personal belongings | Included | Loss of personal belongings is listed as a main feature.6 |
| Key and baby seat replacement | Included | Key replacement and baby car seat replacement are listed as main features in the brochure.6 |
| Motor trade and valet parking | Included | Listed as a main feature in the brochure.6 |
| No-claims discount | Depends on plan | A discount based on years without claims. If you switch to Arabia you must show a No Claims Discount certificate, which may reduce the premium.8 |
| Excess | Depends on plan | You can be charged more than one excess depending on the vehicle type, its specification, the terms and the nature of the incident.8 |
| Young drivers | Depends on plan | Anyone under 25 is a young driver. Other people can drive your car with your consent if they are over 25 and have held a licence for more than one year.8 |
| 24-hour call centre | Included | The call centre is available 24/7 for enquiries and claims.2 |
| Collection and delivery | Included | The brochure says collection and delivery services are available.6 |
| Policy length and cancellation | Depends on plan | The minimum is 12 months, with a 13-month period provided to cover the one-month registration grace period. You can cancel and get a refund, less an admin fee, if no claims were made during the period.8 |
Check before you buy
- Comprehensive cover is available for cars up to 10 years old. Older cars are reviewed case by case.8
- High-value cars and sports cars are insured on a referral basis only.8
- To move from third-party to comprehensive, the car must be GCC standard and have a Comprehensive Test Certificate. The move then needs approval.8
- Third-party cover does not pay for loss of or damage to your own car.8
Policy documents
- Motor insurance brochure (UAE)Brochure
How to claim with Arabia Insurance
- Claims phone80024223
- Claims WhatsApp+971521126814
- Roadside help80024223
- Claims emailmcuae@arabiainsurance.com
- Claim onlineOpen claim page
24-hour accident and breakdown assistance within the UAE, also available in Oman.8
Steps
- Call the motor claims line on 800 24223, WhatsApp 052 112 6814 or email mcuae@arabiainsurance.com.3
- Or fill in the claim form on the website. Customer service will contact you.10
- Send your claim form with the documents listed.8
- If you are claiming against an Arabia customer, send your first notification to carrepl@europ-assistance.com.3
- If you saw 800 774 or claims@ae.aicgroup.com on Arabia's FAQ page, check before using them. Arabia's contact page gives 800 24 223 and mcuae@arabiainsurance.com for motor claims.8
- Liva Insurance lists 800 774 on its own site as Liva's motor claims line.19
Not happy with a claim? Complain to Arabia Insurance at customerserviceuae@arabiainsurance.com first. How to take a complaint to Sanadak.
About Arabia Insurance
- Legal name
- Arabia Insurance Company sal
- Founded
- 19449
- Type
- Conventional insurer18
- Owner
- Arabia Group Holding Limited in Abu Dhabi. Arab Bank owns 47.27% of it.16
- Listed on
- Not listed. Arab Bank's annual report shows the holding company as unquoted.16
- Headquarters
- Beirut, Lebanon. The UAE offices are branches.3
- UAE branches
- Four: Dubai, Abu Dhabi, Sharjah and Al Ain3
- Also sells
- Home, Life, Medical, Personal accident, Travel, Yacht, Group life, Trade receivable, Property and casualty, Marine13
- Central Bank
- Listed in the CBUAE register, September 2026, number 201
Financial strength
AM Best moved the outlook on Arabia Insurance Company s.a.l. to negative on 11 December 2025, citing a decline in operating performance. Arab Bank's 2025 accounts show its 47.27% share of the holding company's result as a USD 100,000 loss, against a USD 2.9 million profit in its 2024 accounts. These are whole-group figures, not UAE figures.
Recent news
- Arabia Insurance Jordan merged into Jerusalem Insurance
Business Insurance reported that Jerusalem Insurance completed the merger and is the surviving company.17
- AM Best moves Arabia Insurance outlook to negative
AM Best kept the B+ (Good) rating and cited a decline in operating performance, with non-life combined ratios of 108.2% in 2024 and 110.1% in 2023.14
- Sale of Arabia Insurance Company - Jordan completed
AM Best says the sale to Jerusalem Insurance Company completed on this date, and it withdrew its ratings of the Jordan company. Its ratings of Arabia Insurance Company s.a.l. are separate.21
- Arabia group agrees to sell a stake in its Jordan company
AM Best says Arabia Group Holding Limited, the ultimate parent of Arabia Insurance Company - Jordan, signed an agreement to sell a stake to Jerusalem Insurance Company.20
- Arab Bank's stake moved to the Abu Dhabi holding company
Arab Bank's shares were transferred from Arabia Insurance Company in Lebanon to Arabia Group Holding Limited in Abu Dhabi.16
Contact Arabia Insurance
- Phone042280022
- Toll free80024223
- WhatsApp+971521126814
- Emailcustomerserviceuae@arabiainsurance.com
- HoursCall centre open 24/7
- Head officeArabia House Building, Phoenicia Street, Ain Mreisseh, Beirut, Lebanon
Branches (4)
| Branch | Address | Phone |
|---|---|---|
| Dubai | Green Tower, Street 17, Al-Maktoum Road, 9th and 10th Floor | 042280022 |
| Abu Dhabi | Makeen Tower, Al Zahiyah, 8th floor, unit 801, P.O. Box 867 | 026744700 |
| Sharjah | Tower 400, Union National Bank Building, Al Soor Area, Floor 10, P.O. Box 6352 | 065171666 |
| Al Ain | Emirates Commercial Complex, Khalifa Street, Floor M1, P.O. Box 1216 | 037641196 |
Common questions
Who owns Arabia Insurance?
Arabia Group Holding Limited in Abu Dhabi is the holding company. Arab Bank owns 47.27% of it.16
What is Arabia Insurance's AM Best rating?
AM Best rates Arabia Insurance Company s.a.l. B+ (Good) for financial strength and bbb- (Good) for long-term issuer credit. The outlook has been negative since 11 December 2025.14
How do I make a car insurance claim with Arabia Insurance?
Call 800 24223, WhatsApp 052 112 6814, email mcuae@arabiainsurance.com or use the claim form on the website. You need the claim form, copies of your driving licence and Mulkia, and a police report.3
Does Arabia Insurance cover Oman?
The car insurance page says the Oman extension is for own damage only. The FAQ page says it covers own damage and third-party liability, and an Orange Card can be requested before the trip.8
Can I get comprehensive cover on an old car?
Comprehensive cover is available for cars up to 10 years old. Older cars are referred to the motor team, who review each case.8
Who counts as a young driver at Arabia Insurance?
Anyone under 25. Other people can drive your car with your consent if they are over 25 and have held a licence for more than a year.8
How do I complain to Arabia Insurance?
Use the complaints page, email customerserviceuae@arabiainsurance.com or call 800 24223. It aims to respond within 10 working days, and you can then go to Sanadak on 800 SANADAK if you are not satisfied.12
Sources
21
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Arabia Insurance, Car insurance page. Last checked 5 Nov 2026. Source document: Car insurance page
3Arabia Insurance, Contact us. Last checked 5 Nov 2026. Source document: Contact us
4Arabia Insurance, Complaints. Last checked 5 Nov 2026. Source document: Complaints
5Arabia Insurance, Our Insurance Documents. Last checked 5 Nov 2026. Source document: Our Insurance Documents
6Arabia Insurance, Motor insurance brochure (UAE). Last checked 5 Nov 2026. Source document: Motor insurance brochure (UAE)
7Arabia Insurance, Motor Fleet page. Last checked 5 Nov 2026. Source document: Motor Fleet page
8Arabia Insurance, FAQs. Last checked 5 Nov 2026. Source document: FAQs
9Arabia Insurance, Our Company. Last checked 5 Nov 2026. Source document: Our Company
10Arabia Insurance, Submit your claim. Last checked 5 Nov 2026. Source document: Submit your claim
11Arabia Insurance, Get a quote. Last checked 5 Nov 2026. Source document: Get a quote
12Arabia Insurance, Terms and conditions (complaints procedure). Last checked 5 Nov 2026. Source document: Terms and conditions (complaints procedure)
13Arabia Insurance, Home page. Last checked 5 Nov 2026. Source document: Home page
14AM Best via Business Wire, AM Best Revises Outlooks to Negative for Arabia Insurance Company s.a.l.. Last checked 5 Nov 2026. Source document: AM Best Revises Outlooks to Negative for Arabia Insurance Company s.a.l.
15AM Best, AM Best Affirms Credit Ratings of Arabia Insurance Company s.a.l.. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Arabia Insurance Company s.a.l.
16Arab Bank, Arab Bank Annual Report 2025. Last checked 5 Nov 2026. Source document: Arab Bank Annual Report 2025
17Business Insurance, Jerusalem Insurance completes Arabia Insurance merger. Last checked 5 Nov 2026. Source document: Jerusalem Insurance completes Arabia Insurance merger
18eSanad, Arabia Insurance Company s.a.l. (UAE Branch) fact sheet. Last checked 5 Nov 2026. Source document: Arabia Insurance Company s.a.l. (UAE Branch) fact sheet
19Liva Insurance, Contact Liva Insurance UAE. Last checked 5 Nov 2026. Source document: Contact Liva Insurance UAE
20AM Best via Business Wire, AM Best Places Credit Ratings of Arabia Insurance Company - Jordan Under Review With Developing Implications. Last checked 5 Nov 2026. Source document: AM Best Places Credit Ratings of Arabia Insurance Company - Jordan Under Review With Developing Implications
21AM Best, AM Best Withdraws Credit Ratings of Arabia Insurance Company - Jordan. Last checked 5 Nov 2026. Source document: AM Best Withdraws Credit Ratings of Arabia Insurance Company - Jordan
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published