Damana
Damana is the trading name of Saudi Arabian Insurance Company B.S.C. (c), an insurer based in Bahrain with UAE branches in Dubai and Abu Dhabi. It is held by Damana Holding and MIG Holding, and AM Best names Mawarid Holding Company as its ultimate parent. It sells car, motorcycle, health, home, travel and business insurance.
Out of 5 from 275 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 Damana
Damana averages 3.1 out of 5 across 275 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
SAICOHEALTH Connect, a medical insurance app: 1.8 on App Store, 2.8 on Google Play. Those ratings are for its health app, not car insurance.
Counts come from the 13 reviews we read that are about car insurance, most from 2025 to 2026.
What customers complain about
Calls and emails not answered during a claim8 of 13
They did not answer my calls about my claim. I received no response to my emails for almost two weeks.
Claims taking weeks or months7 of 13
i am trying to get claim from last 4 months for my vehicle but they are not responding
Read the Google reviews for each office
| Office | Rating | Reviews |
|---|---|---|
| U Bora Towers - Commercial Tower, 32nd Floor, Office 3203, Dubai | 3.1 | 216 |
| Al Zubara Tower, 2nd floor, Office 202 Sheikh Zayed Road, Abu Dhabi | 3.0 | 59 |
Damana car insurance
Damana's website offers comprehensive car insurance and motorcycle insurance for individuals, and motor, fleet and motor trade insurance for businesses. Its motor brochure is written for all the countries it works in, says its lists may not apply equally to each, and gives no UAE plan names, prices or limits.
| Plan | Type | What it is |
|---|---|---|
| Car Insurance | Comprehensive | Covers accidental loss of or damage to your car and your legal liability for injuries to third parties or damage to other property.4 |
| Third party liability | Third party | Covers legal liability for third party injury or property damage. It does not cover your own vehicle.7 |
| Motorcycle Insurance | Other | Covers accidental loss of or damage to the motorcycle, and injury, death or property damage to third parties, including passengers.10 |
| Motor Insurance for businesses | Other | Vehicles can be insured separately or together under a fleet policy, which can give a discounted fleet rate based on your loss record and number of vehicles.5 |
| Motor Trade Insurance | Other | For vehicle repairers and dealers. Covers premises risks, road risks or both, including vehicles in the trader's care.11 |
| Cover | With this insurer | Details |
|---|---|---|
| Personal accident cover | Optional extra | Damana's car insurance page says it can be added for passengers. Its motor brochure lists it for the driver and passengers.4 |
| Roadside assistance | Optional extra | Damana's car insurance page says it can be added, including towing your car for repairs if it breaks down.4 |
| Replacement car | Optional extra | Damana's car insurance page says it can be added, for a temporary period until your own car is repaired.4 |
| Agency repair | Optional extra | For vehicles up to a certain age. Optional extension in Damana's all-country motor brochure.9 |
| Natural disaster and flood cover | Depends on plan | Damana's motor brochure lists storm, flood and other natural perils as an optional extension and lists natural perils as a major exclusion. Its June 2025 articles for businesses say comprehensive cover includes floods and sandstorms. Check your policy schedule.9 |
| Windscreen | Optional extra | Damage up to a certain amount with no excess. Optional extension in Damana's all-country motor brochure.9 |
| Geographical area extension | Optional extra | Optional extension in Damana's all-country motor brochure. It names no countries.9 |
| Off-road cover | Optional extra | For private vehicles with four-wheel-drive capability. Optional extension in Damana's all-country motor brochure.9 |
More cover details (6)
| Cover | With this insurer | Details |
|---|---|---|
| Emergency medical expenses | Optional extra | Up to a certain amount. Optional extension in Damana's all-country motor brochure.9 |
| Strike, riot and civil commotion | Optional extra | Optional extension in Damana's all-country motor brochure.9 |
| Locks and personal items | Optional extra | Replacement of locks and loss of personal items, each up to a certain amount. Optional extension in Damana's all-country motor brochure.9 |
| VIP services package | Optional extra | Includes home assistance, car service or inspection pick up and drop off, and airport drop off. Optional extension in Damana's all-country motor brochure.9 |
| Excess or deductible | Depends on plan | The Buy Damana portal says deductibles apply and that the details are printed in the quote schedule.16 |
| Claims history | Depends on plan | The Buy Damana portal asks how many claims you filed in the past year and can refuse an online quote because of your claim history.16 |
Check before you buy
- Damana's motor brochure lists natural perils as a major exclusion and offers storm, flood and natural perils as an extension. Its June 2025 articles for businesses say comprehensive cover includes floods. Check your policy schedule.9
- Damana's all-country motor brochure excludes mechanical and electrical failure or breakdown, wear and tear, and loss in value.9
- The brochure excludes tyre damage from punctures or bursts.9
- The brochure excludes loss of earnings, loss of use, fines and penalties.9
- The brochure excludes racing, driving without a valid licence, and driving under the influence of drink or drugs.9
- Damana's claims article says that late notice or having no police report, particularly in the UAE and Oman, can lead to automatic rejection of a motor claim.13
- On a third party policy you cannot claim for damage to your own vehicle through the Buy Damana portal.16
Policy documents
- Motor Insurance brochureBrochure
- Motorcycle Insurance brochureBrochure
- Motor Trade Insurance brochureBrochure
How to claim with Damana
- Claim onlineOpen claim page
Roadside assistance is an optional benefit on Damana car insurance.4
Steps
- Get a police report, even after a minor accident in the UAE.12
- Tell Damana straight away. Its guide says most insurers require notice within 24 to 48 hours.12
- Report it online in the UAE section of the Buy Damana portal: choose Motor, Check Services, then Submit a claim. The portal's help numbers are 04 275 2400 for Dubai and 02 494 2000 for Abu Dhabi.15
- Send your policy number, the police report, photos or video of the damage, any third party documents, and repair estimates or invoices.12
- Have the damage inspected by a surveyor or loss adjuster, often through an approved garage.12
- Wait for the decision. The claim can be approved in full, approved in part or rejected under a policy exclusion.12
- Once approved, the insurer pays you, works directly with an authorised repairer, or reimburses you after repair when you send the invoices.12
- Damana's guide says most insurers require notice within 24 to 48 hours of the incident, and that delay can result in the claim being denied.12
Not happy with a claim? Complain to Damana at complaints.uae@damana.com first. How to take a complaint to Sanadak.
About Damana
- Legal name
- Saudi Arabian Insurance Company B.S.C (C)
- Founded
- Damana gives 1964 as its founding date, the year of its purchase of Al Nisr Insurance in Lebanon. The company was set up in Bahrain between 1980 and 1989.2
- Type
- Conventional insurer. The UAE central bank register lists it as a foreign insurance company, not under takaful.28
- Owner
- Damana Holding W.L.L. holds 95% and MIG Holding S.P.C. holds 5%. AM Best names Mawarid Holding Company as the ultimate parent.23
- Headquarters
- Seef, Bahrain3
- UAE branches
- 2: Dubai (Business Bay) and Abu Dhabi (Sheikh Zayed Road)3
- Also sells
- Health, Home, Travel, Property, Engineering, Marine, Liability and financial risk, General accident6
- Central Bank
- Listed in the CBUAE register, September 2026, number 221
Financial strength
AM Best rates the whole Bahrain company, which runs the UAE branches. In January 2026 it said underwriting remains unprofitable, with combined ratios down from a 148% peak in 2021, and it assessed operating performance as marginal and the balance sheet as very strong.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| AM Best | B+ (Good) Financial Strength Rating, bbb- (Good) Long-Term Issuer Credit Rating, Stable18 | UAE company | 28 Jan 2026 |
| Period | Premiums | Profit | Assets |
|---|---|---|---|
| FY2022, whole company, all countries (group)21 | BHD 17m |
News and official actions
- Official action
The Central Bank of Bahrain restricted the company's operations in Bahrain in the second half of 2021 and lifted the restriction in December 2021, AM Best reported. AM Best said this was part of the reason premiums fell in 2021.20
- Official action
The Central Bank of Bahrain required the company in late 2020 to liquidate investments held in a group treasury account, AM Best reported. They were fully liquidated by the first quarter of 2023.21
- AM Best affirmed Damana's B+ rating with a stable outlook
AM Best said capital was at the strongest level on its measure at the end of 2024, and that underwriting remains unprofitable.18
- AM Best affirmed Damana's B+ rating with a stable outlook
AM Best said Damana's loss ratios were affected by events including the 2024 Dubai floods.19
- AM Best moved Damana's outlook to stable from negative
Damana reported insurance service revenue of BHD 19.4 million in 2023, up 21.0% on 2022.20
- AM Best cut Damana's rating to B+ from B++
AM Best cited concerns about investment and liquidity risk, and said audited 2020 accounts had not yet been released.22
- Damana launched motor portals for brokers in the UAE and Oman
The portals give brokers access to motor insurance quotes.17
Contact Damana
- Phone04 275 2400
- Emailinfo.dubai@damana.com
- Head officeOffice 701, LMC Building 852, Road 3618, Block 436, Al Seef District, P.O. Box 60139, Bahrain
Branches (2)
| Branch | Address | Phone |
|---|---|---|
| Dubai branch | Office 3203, 32nd Floor, Ubora Tower, Business Bay, P.O. Box 35237, Dubai | 04 275 2400 |
| Abu Dhabi branch | Office 202, Al Zubara Tower, 2nd Floor, Sheikh Zayed Road, P.O. Box 585, Abu Dhabi | 02 494 2000 |
Common questions
Is Damana the same as Daman?
No. Damana is Saudi Arabian Insurance Company B.S.C. (c), based in Bahrain, and Daman is a separate company with its own website, damaninsurance.ae.26
How do I make a car insurance claim with Damana?
Get a police report, tell Damana straight away, and use Submit a claim under Motor in the UAE section of the Buy Damana portal. The portal's help numbers are 04 275 2400 for Dubai and 02 494 2000 for Abu Dhabi.15
What is Damana's AM Best rating?
AM Best affirmed a Financial Strength Rating of B+ (Good) with a stable outlook on 28 January 2026.18
Can I buy Damana car insurance online in the UAE?
The Buy Damana portal has a UAE section with a Private Motor Policy. It offers a quote, renewal, policy changes and claims.15
Does Damana offer agency repair?
Its motor brochure lists agency repair as an optional extension for vehicles up to a certain age. The brochure says its lists may not apply equally to all countries.9
How do I contact Damana in Dubai?
The Dubai branch is on 04 275 2400 and info.dubai@damana.com, at Ubora Tower, Business Bay. The Abu Dhabi branch is on 02 494 2000.3
How do I complain to Damana?
Use the complaints form on its Contact Us page or email complaints.uae@damana.com. Its procedure gives an acknowledgement the same day and a written response within one working week at most.14
Sources
28
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Damana, About Us. Last checked 5 Nov 2026. Source document: About Us
3Damana, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
4Damana, Car Insurance. Last checked 5 Nov 2026. Source document: Car Insurance
5Damana, Motor Insurance (corporate). Last checked 5 Nov 2026. Source document: Motor Insurance (corporate)
6Damana, Download Centre. Last checked 5 Nov 2026. Source document: Download Centre
7Damana, Understanding Corporate Motor Insurance Coverage. Last checked 5 Nov 2026. Source document: Understanding Corporate Motor Insurance Coverage
8Damana, Motor Insurance in the Gulf: What Businesses Need to Know. Last checked 5 Nov 2026. Source document: Motor Insurance in the Gulf: What Businesses Need to Know
9Damana, Corporate and Individual Motor Insurance brochure. Last checked 5 Nov 2026. Source document: Corporate and Individual Motor Insurance brochure
10Damana, Motorcycle Insurance brochure. Last checked 5 Nov 2026. Source document: Motorcycle Insurance brochure
11Damana, Motor Trade Insurance brochure. Last checked 5 Nov 2026. Source document: Motor Trade Insurance brochure
12Damana, A Step-by-Step Guide to Filing an Insurance Claim in the GCC. Last checked 5 Nov 2026. Source document: A Step-by-Step Guide to Filing an Insurance Claim in the GCC
13Damana, Common Mistakes to Avoid During the Claims Process. Last checked 5 Nov 2026. Source document: Common Mistakes to Avoid During the Claims Process
14Damana, Complaints Handling Procedures, February 2025. Last checked 5 Nov 2026. Source document: Complaints Handling Procedures, February 2025
15Damana, Buy Damana sales portal, United Arab Emirates section. Last checked 5 Nov 2026. Source document: Buy Damana sales portal, United Arab Emirates section
16Damana, Buy Damana sales portal, English text file. Last checked 5 Nov 2026. Source document: Buy Damana sales portal, English text file
17Damana, Damana launches Motor Broking Portals to Speed up Policy and Claims Procedures. Last checked 5 Nov 2026. Source document: Damana launches Motor Broking Portals to Speed up Policy and Claims Procedures
18AM Best, AM Best Affirms Credit Ratings of Saudi Arabian Insurance Company B.S.C. (c), 28 January 2026. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Saudi Arabian Insurance Company B.S.C. (c), 28 January 2026
19AM Best, AM Best Affirms Credit Ratings of Saudi Arabian Insurance Company B.S.C. (c), 20 August 2025. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Saudi Arabian Insurance Company B.S.C. (c), 20 August 2025
20AM Best, AM Best Revises Outlooks to Stable for Saudi Arabian Insurance Company B.S.C. (c), 22 August 2024. Last checked 5 Nov 2026. Source document: AM Best Revises Outlooks to Stable for Saudi Arabian Insurance Company B.S.C. (c), 22 August 2024
21AM Best, AM Best Affirms Credit Ratings of Saudi Arabian Insurance Co B.S.C. (c), 24 July 2023. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Saudi Arabian Insurance Co B.S.C. (c), 24 July 2023
22AM Best, AM Best Downgrades Credit Ratings of Saudi Arabian Ins Co B.S.C. (c), 15 November 2021. Last checked 5 Nov 2026. Source document: AM Best Downgrades Credit Ratings of Saudi Arabian Ins Co B.S.C. (c), 15 November 2021
23Financial Services Authority, Oman, Saudi Arabian Insurance Company B.S.C.(C) company details. Last checked 5 Nov 2026. Source document: Saudi Arabian Insurance Company B.S.C.(C) company details
24Apple, SAICOHEALTH Connect on the App Store (UAE). Last checked 5 Nov 2026. Source document: SAICOHEALTH Connect on the App Store (UAE)
25Google, SAICOHEALTH Connect on Google Play. Last checked 5 Nov 2026. Source document: SAICOHEALTH Connect on Google Play
26Daman, Daman home page. Last checked 5 Nov 2026. Source document: Daman home page
27Damana, Brokers. Last checked 5 Nov 2026. Source document: Brokers
28Central Bank of the UAE, CB Register, July 2025, insurance companies. Last checked 5 Nov 2026. Source document: CB Register, July 2025, insurance companies
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published