Dubai Insurance
Dubai Insurance Company, known as DIN, is a UAE insurer set up in 1970 and listed on the Dubai Financial Market. Its largest shareholders at the end of 2025 were Abdulwahid Al Rostamani Group and Mohammed and Obaid Al Mulla Group. It sells car, health, home, travel and business insurance.
Out of 5 from 1,376 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 Dubai Insurance
Dubai Insurance averages 3.1 out of 5 across 1,376 Google reviews of its UAE offices, read 5 Nov 2026. Offices range from 2.5 to 4.1. Those reviews cover everything it sells, not only car insurance.
DubaiCare (health insurance app): 2.0 on App Store, 2.8 on Google Play. Those ratings are for its health app, not car insurance.
Counts come from the 48 reviews we read that are about car insurance, most from 2025 to 2026.
What customers praise
Repairs were fast and the workshop did good work11 of 48
process of fixing my car was very smooth and fast even the workshop that fixed my car was good
Claim was handled or paid without trouble7 of 48
I got a 3rd party claim within one week of accident.
What customers complain about
Slow claim decisions and repair approvals10 of 48
The inspection of my vehicle has already been completed. However, I have not received any decision regarding the claim.
Hard to reach by phone or email8 of 48
call center will inform they will transfer the call to the concerned person and that concerned person never answer the call
Disputes over the amount paid or hire car costs6 of 48
They give me 5000 dirham less than the actual value
Problems at the approved garage3 of 48
After the insurance company sent it to their approved garage, the car stopped working and some items were missing.
Read the Google reviews for each office
Dubai Insurance car insurance
Dubai Insurance sells Third Party cover and two comprehensive plans, Gold and Platinum. Platinum includes several extras that are optional or excluded on Gold, and has higher limits on some benefits.
| Plan | Type | What it is |
|---|---|---|
| Third Party | Third party | Covers damage to other people's property and injury to others if you are in an accident.2 |
| Gold | Comprehensive | Comprehensive cover for loss of or damage to your car. Third party property damage up to AED 2,000,000.3 |
| Platinum | Comprehensive | Comprehensive cover with driver personal accident, at-fault hire car, glass and sunroof, child seat and claim transport benefits included.3 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | Gold and Platinum: agency repair for the first 2 years from brand new or 0 km.3 |
| Depreciation on spare parts | Depends on plan | On agency repairs needing new parts, you pay a percentage set by year: nothing in the first, 5% in the second, 10% in the third, 15% in the fourth, 20% in the fifth and 30% from the sixth.4 |
| Garage repair | Included | Dubai Insurance lists an approved garage network on its site.2 |
| Roadside assistance | Included | Gold and Platinum, provided by International Motoring Club. Towing, battery boost, onsite battery replacement, fuel delivery, lockout and flat tyre change are included. Also listed: off-road assistance, airport pick-up and drop-off, airport meet and greet, car registration help, and a discounted international driving licence.3 |
| Towing | Depends on plan | Free if the car cannot be driven. If the car can still move, extra charges apply.4 |
| Replacement car when not at fault | Included | Gold and Platinum: up to 15 days, as per the Unified Motor Insurance Policy wording. Not for at-fault or unknown claims.3 |
| Replacement car when at fault or cause unknown | Optional extra | 7 days. Gold: optional. Platinum: included.3 |
| Personal accident cover for the driver | Optional extra | Gold: optional, up to AED 200,000. Platinum: included, up to AED 200,000.3 |
More cover details (23)
| Cover | With this insurer | Details |
|---|---|---|
| Personal accident cover for passengers | Included | Gold and Platinum: as per the Unified Motor Insurance Policy wording, excluding employees under the insured's sponsorship.3 |
| Personal accident cover for the insured's employees as passengers | Optional extra | Gold: optional, shown as 30 per seat with no currency. Platinum: included, up to AED 200,000. Terms apply.3 |
| Oman cover | Depends on plan | The FAQ lists an Oman extension as an optional cover. Two other FAQ answers say to buy a separate policy from Dubai Insurance or at the Omani border. Check your policy schedule.4 |
| Off-road cover | Depends on plan | Gold and Platinum: Station and 4x4 vehicles only, up to 1 km from the main road, with an extra excess of AED 1,500.3 |
| Natural disaster and flood cover | Included | Gold and Platinum: natural perils as per the Unified Motor Insurance Policy wording.3 |
| Riot, strike and civil commotion | Included | Gold and Platinum: as per the Unified Motor Insurance Policy wording.3 |
| Windscreen | Included | No excess up to AED 3,000 on Gold and up to AED 5,000 on Platinum.3 |
| Windscreen claim paperwork | Depends on plan | A police report is required to submit a windscreen claim.4 |
| Window glass and sunroof | Depends on plan | Gold: excluded. Platinum: included up to AED 5,000 with no excess.3 |
| Emergency medical expenses after a road accident | Included | Gold: up to AED 2,500. Platinum: up to AED 5,000.3 |
| National Ambulance expenses | Included | Gold and Platinum: as per the Unified Motor Insurance Policy wording.3 |
| Personal belongings | Included | Gold and Platinum: clothing and valuables up to AED 1,000. Terms apply.3 |
| Lock replacement | Included | Gold: up to AED 1,000. Platinum: up to AED 2,500. Terms apply.3 |
| Baby capsules and child seat | Depends on plan | Gold: excluded. Platinum: included up to AED 500.3 |
| Claim transport cost | Depends on plan | Gold: excluded. Platinum: included up to AED 100.3 |
| No-claims discount | Depends on plan | A clean claims history can bring a discounted price.4 |
| Excess | Depends on plan | You pay an excess when you are at fault. The standard excess is as per UAE law. It also applies to hit-and-run claims, which count as own damage.4 |
| Extra charges on a claim | Depends on plan | On top of the excess: 10% of compensation for taxis and public transport vehicles, 15% for sports cars and modified vehicles, 20% for vehicles modified outside the factory, 20% for rental vehicles.4 |
| Young driver terms | Depends on plan | On top of the excess, 10% of the compensation may be charged if the driver is under 25.4 |
| Other drivers | Depends on plan | Anyone can drive your car and be covered if they hold the right UAE licence for that vehicle.4 |
| Hit and run | Depends on plan | Covered on a comprehensive policy if you submit a police report.4 |
| 24-hour phone line | Included | The FAQ says 800 382467 is a 24/7 toll-free assistance number.4 |
| Monthly instalments | Optional extra | Premiums can be paid monthly at 0% interest with an Emirates NBD card. Conditions apply.2 |
Check before you buy
- Your policy does not cover you when you drive a rented car. The rental company asks for separate insurance.4
- Dubai Insurance can refuse a policy if your driving licence or traffic file has restrictions.4
- Third party property damage is capped at AED 2,000,000 on Gold and Platinum.3
Policy documents
- Motor insurance plan details, Gold and PlatinumBrochure, 2024
How to claim with Dubai Insurance
- Claims phone800 382467
- Roadside help600 575 751
- Claims emailcustomerservice@dubins.ae
- Claim onlineOpen claim page
Have your car registration ready when you call. The car insurance page, the brochure, one FAQ answer and IMC's own site give 600 575 751. Two other FAQ answers give 800 4101. Check your policy schedule.2
Steps
Not happy with a claim? Complain to Dubai Insurance at complaints@dubins.ae first. How to take a complaint to Sanadak.
About Dubai Insurance
- Legal name
- Dubai Insurance Company (PSC)
- Founded
- 19706
- Type
- Conventional insurer selling general insurance and life cover.6
- Owner
- Mainly private UAE individuals and companies. The largest at 31 December 2025 were Abdulwahid Al Rostamani Group (17.7%), Mohammed and Obaid Al Mulla Group (8.4%), Butti Obaid Butti Al Mulla (8.2%) and Al Futtaim Private Company (7.1%).11
- Listed on
- Dubai Financial Market, ticker DIN18
- Headquarters
- Al Rigga Road, Deira, Dubai3
- UAE branches
- Head office in Deira, Dubai, and a branch in Abu Dhabi.7
- Also sells
- Health, Home, Property, Yacht, Travel, Fleet, Group health and life, Marine and transit, Liability, Engineering, Workers compensation11
- Central Bank
- Listed in the CBUAE register, September 2026, number 41
Financial strength
The board said car insurance grew 40% in 2025 through price rises but had still not made an underwriting profit, because of the effects of the 2024 rains.
Awards
- Nafis Award, 2024 to 2025 cycle, third place in the small establishment category, 202511
News and official actions
- Official action
The company's 2025 governance report says it paid a fine of AED 150,000 to the Department of Health. The report does not say what the fine was for.11
- Dubai Insurance reports AED 111.8 million profit for first half of 2026
Profit after tax for the six months to 30 June rose from AED 93.3 million a year earlier, and insurance revenue was AED 1.887 billion.12
- AM Best affirms A rating with stable outlook
AM Best said 2025 results improved mainly because of the motor line, on stronger rates, and put the combined ratio at 90.7%.13
- Moody's affirms A2 rating with stable outlook
This is its insurance financial strength rating.15
- Shareholders approve dividend of 100 fils a share for 2025
The general assembly approved the cash dividend, up from 80 fils for 2024.18
- Dubai Insurance launches crypto wallet with Zodia Custody
The wallet is for receiving premiums and paying claims in digital assets.17
Contact Dubai Insurance
- Phone+971 4 269 3030
- Toll free800 382467
- Emailcustomerservice@dubins.ae
- HoursThe FAQ says Monday to Friday, 8am to 5pm. Google listings show Friday as 8am to 12pm.
- Head officeAl Rigga Road, Deira, P.O. Box 3027, Dubai
Branches (2)
| Branch | Address | Phone |
|---|---|---|
| Head office | Al Rigga Road, Deira, P.O. Box 3027, Dubai | 800 382467 |
| Abu Dhabi branch | The 2024 brochure gives Bin Yas Street, PO Box 94797, Abu Dhabi. The Google listing linked from the home page gives Office 1004, 10th floor, National Bank of Kuwait Building, Airport Road, Abu Dhabi. |
Common questions
What ratings does Dubai Insurance have?
AM Best and Fitch rate it A, and Moody's rates it A2.6
What car insurance plans does Dubai Insurance sell?
It sells Third Party, Gold and Platinum. Gold and Platinum are comprehensive.2
Does Dubai Insurance cover agency repair?
Gold and Platinum include agency repair for the first 2 years from brand new or 0 km.3
Does Dubai Insurance cover Oman?
Its FAQ lists an Oman extension as an optional cover. Two other answers say to buy a separate policy from Dubai Insurance or at the Omani border, so check your policy schedule.4
How do I claim on my Dubai Insurance car policy?
Report the incident by phone on 800 382467, by email to customerservice@dubins.ae, or online. You need a police report, your driver's licence, the registration card and the owner's Emirates ID.5
Do young drivers pay more on a Dubai Insurance claim?
They can. On top of the excess, 10% of the compensation may be charged if the driver is under 25.4
How do I complain to Dubai Insurance?
Email complaints@dubins.ae or call 800 382467. It says it will acknowledge within one business day, and you can escalate to Sanadak if you remain dissatisfied.9
Sources
25
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Dubai Insurance, Motor Insurance page. Last checked 5 Nov 2026. Source document: Motor Insurance page
3Dubai Insurance, Motor insurance brochure, Gold and Platinum plan details (file dated November 2024). Last checked 5 Nov 2026. Source document: Motor insurance brochure, Gold and Platinum plan details (file dated November 2024)
4Dubai Insurance, FAQs (answers opened in a browser). Last checked 5 Nov 2026. Source document: FAQs (answers opened in a browser)
5Dubai Insurance, Claims Services, Motor Insurance tab. Last checked 5 Nov 2026. Source document: Claims Services, Motor Insurance tab
6Dubai Insurance, About Us. Last checked 5 Nov 2026. Source document: About Us
7Dubai Insurance, Home page. Last checked 5 Nov 2026. Source document: Home page
8Dubai Insurance, Complaints. Last checked 5 Nov 2026. Source document: Complaints
9Dubai Insurance, General Complaints Flow. Last checked 5 Nov 2026. Source document: General Complaints Flow
10Dubai Insurance, Investor Relations. Last checked 5 Nov 2026. Source document: Investor Relations
11Dubai Insurance Company, filed via Mubasher, The Integrated Report 2025 (board report, audited accounts, governance and sustainability reports). Last checked 5 Nov 2026. Source document: The Integrated Report 2025 (board report, audited accounts, governance and sustainability reports)
12Dubai Insurance Company, filed via Argaam, Interim condensed consolidated financial statements, 30 June 2026 (unaudited). Last checked 5 Nov 2026. Source document: Interim condensed consolidated financial statements, 30 June 2026 (unaudited)
13AM Best, AM Best Affirms Credit Ratings of Dubai Insurance Company (PSC), 21 May 2026. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Dubai Insurance Company (PSC), 21 May 2026
14Fitch Ratings, Dubai Insurance Company (PJSC) Credit Ratings. Last checked 5 Nov 2026. Source document: Dubai Insurance Company (PJSC) Credit Ratings
15Moody's, United Arab Emirates insurance reports list, 17 March 2026 rating action. Last checked 5 Nov 2026. Source document: United Arab Emirates insurance reports list, 17 March 2026 rating action
16Central Bank of the UAE, CB Register September of 2026. Last checked 5 Nov 2026. Source document: CB Register September of 2026
17Zodia Custody, Dubai Insurance Launches First Crypto Enabled Digital Wallet in Partnership with Zodia Custody. Last checked 5 Nov 2026. Source document: Dubai Insurance Launches First Crypto Enabled Digital Wallet in Partnership with Zodia Custody
18Argaam, Dubai Insurance company overview and announcements. Last checked 5 Nov 2026. Source document: Dubai Insurance company overview and announcements
19Apple App Store, DubaiCare. Last checked 5 Nov 2026. Source document: DubaiCare
20Google Play, DubaiCare. Last checked 5 Nov 2026. Source document: DubaiCare
21Trustpilot, Dubins profile (dubins.ae). Last checked 5 Nov 2026. Source document: Dubins profile (dubins.ae)
22Google Maps via HasData, Dubai Insurance Abu Dhabi Branch listing. Last checked 5 Nov 2026. Source document: Dubai Insurance Abu Dhabi Branch listing
23Dubai Insurance, Get a Quote. Last checked 5 Nov 2026. Source document: Get a Quote
24International Motoring Club, Roadside assistance. Last checked 5 Nov 2026. Source document: Roadside assistance
25Fitch Ratings, Fitch Affirms Dubai Insurance Company (PJSC) at IFS 'A'; Outlook Stable. Last checked 5 Nov 2026. Source document: Fitch Affirms Dubai Insurance Company (PJSC) at IFS 'A'; Outlook Stable
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published