Emirates Insurance
Emirates Insurance Company is an Abu Dhabi insurer set up in 1982 and listed on the Abu Dhabi Securities Exchange. Its largest shareholders at the end of 2025 were MZI Holding Ltd and Al Dhabi Investments. Its own report says it works mainly with companies, and it also sells comprehensive and third-party car insurance to drivers.
Out of 5 from 929 Google reviews across 7 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Emirates Insurance
Emirates Insurance averages 3.9 out of 5 across 929 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Counts come from the 46 reviews we read that are about car insurance, most from 2021 to 2025.
What customers praise
Quick claims and approvals6 of 46
Their quick response times, close follow-up, genuine attention to detail and the speed of the approval process made the experience smooth and stress-free.
Easy buying and renewal4 of 46
The Agent was very helpful and at comfort of my chair I renewed car insurance
Helpful staff and good repair3 of 46
I appreciate their efforts, I feel that my car return new
What customers complain about
Slow claims, approvals and repairs9 of 46
just for survey we need to keep car couple of days with agency
Payout lower than expected, or an unexpected charge6 of 46
After the repair was completed, EIC refused to honor their own approved settlement
Garage and repair quality5 of 46
the representative insisted on simply painting the car without properly fixing the problem
Hard to reach, or no reply5 of 46
I have been calling and no one can help.
Read the Google reviews for each office
Emirates Insurance car insurance
Emirates Insurance sells comprehensive and third-party car insurance to individuals, plus Mumayaza and Motor Elite as its premium cover and schemes for specific customer groups. It sells fleet and commercial motor cover to businesses.
| Plan | Type | What it is |
|---|---|---|
| Comprehensive Car Insurance | Comprehensive | Covers accidental damage, theft, fire and third-party liabilities. The page lists agency repairs and optional breakdown cover.2 |
| Third-Party Car Insurance | Third party | Covers injury and property damage caused to other people.2 |
| Customized Schemes | Other | Motor insurance for specific customer groups and vehicle types, with benefits and pricing set per scheme.2 |
| Mumayaza | Other | The company's premium motor cover, with added benefits and priority service.2 |
| Motor Elite | Other | Cover for luxury and performance cars, with high repair limits and VIP claim support.9 |
| Motor Fleet Insurance | Other | One policy for a company's whole fleet. Sold to businesses.8 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | Listed as a benefit of comprehensive cover. Your policy schedule's repair condition decides whether the car goes to the dealer's workshop or a repairer.3 |
| Non-agency garage network | Depends on plan | The May 2026 list names car workshops in all seven emirates and commercial vehicle workshops in five. Your policy schedule's repair condition applies.14 |
| Roadside assistance | Optional extra | Breakdown cover is optional on comprehensive policies. If your table of benefits includes it, the claims page gives 800 73, open 24 hours. The Emergency Assistance page gives 800 342.3 |
| Hire car | Depends on plan | Only if your policy schedule includes the Hire Car Benefit. Call 800 18 to confirm eligibility and arrange a courtesy car after an accident.3 |
| Oman cover | Optional extra | The company offers Comprehensive Oman Coverage and Orange Card policies for cross-border travel.4 |
| Personal accident cover | Optional extra | Listed as an optional benefit on the company's motor page in January 2023. Check your table of benefits.20 |
| Emergency medical expenses | Optional extra | Listed as an optional benefit on the company's motor page in January 2023. Check your table of benefits.20 |
| Loss of personal belongings | Optional extra | Listed as an optional benefit on the company's motor page in January 2023. Check your table of benefits.20 |
More cover details (6)
| Cover | With this insurer | Details |
|---|---|---|
| Natural disaster, riot and strike cover | Optional extra | Natural Perils and RSCC. Listed as an optional benefit on the company's motor page in January 2023. Check your table of benefits.20 |
| Off-road cover | Optional extra | Listed as an optional benefit on the company's motor page in January 2023. Check your table of benefits.20 |
| Windscreen | Optional extra | Excess waiver on windscreen damage. Listed as an optional benefit on the company's motor page in January 2023. Check your table of benefits.20 |
| Excess or deductible | Depends on plan | You pay the amount in your insurance schedule directly to the repairer on each claim where you are at fault or the accident is unknown.3 |
| Spare parts depreciation | Depends on plan | If a private car is more than 12 months old and needs brand new parts, you may pay a small percentage of the parts cost. The repairer tells you the percentage.3 |
| Discounts | Depends on plan | Loyalty, multi-policy and employer discounts, such as for ADNOC staff, may apply. Call 800 98 for details.4 |
Check before you buy
- If the driver's licence had expired at the time of the accident, it must be renewed within 30 days of the accident date. Otherwise the claim is not covered.3
- In cases with injuries or court proceedings, a final court verdict is needed before the claim can go ahead.3
Policy documents
- Network of certified non-agency repairersBrochure, 2026
How to claim with Emirates Insurance
- Claims phone800 18
- Roadside help800 73
- Claims emailmotorclaims@eminsco.com
- Claim onlineOpen claim page
24-hour emergency hotline for cars that cannot be driven, if your table of benefits includes Roadside Assistance. The claims page and FAQ give 800 73. The Emergency Assistance page gives 800 342, which the complaints page lists as the Dubai Health Authority's number. Confirm on 800 98.3
Steps
- The online notification tool gives instant coverage confirmation, and you can then go directly to your assigned repairer.3
- Simple claims are often processed within a few working days. Complex cases vary with documents and assessment.4
- If you are not at fault, the company may need to agree repairs with the other driver's insurer, which can add a slight delay. It says this applies to 10% of claims, for severe damage.3
- Complaints sent through the online form are acknowledged within 24 hours.6
Not happy with a claim? Use the Emirates Insurance complaints page first. How to take a complaint to Sanadak.
About Emirates Insurance
- Legal name
- Emirates Insurance Company (PSC)
- Founded
- Incorporated on 27 July 1982. The company's timeline says operations began in 1983.23
- Type
- Conventional insurer23
- Owner
- A listed company. Its largest shareholders at 31 December 2025 were MZI Holding Ltd (17.14%) and Al Dhabi Investments (13.75%).11
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker EIC15
- Headquarters
- Abu Dhabi5
- UAE branches
- Head office in Abu Dhabi, branches in Dubai and Al Ain, and outlets inside Abu Dhabi and Al Ain traffic departments, ADNOC testing facilities and Tamm centres in the Western Region.22
- Also sells
- Property, Liability, Engineering and construction, Medical and group benefits, Marine, Oil and gas, Pleasure craft, Home, Art and jewellery, International reinsurance9
- Central Bank
- Listed in the CBUAE register, September 2026, number 21
Financial strength
In 2025 the company paid AED 140.9 million to buy back the 11.81% stake held by Mamoura Diversified Global Holding, then gave those shares to its other shareholders.
Awards
- Compliance Company of the Year, UAE Insurance Authority, 20197
Recent news
- AM Best affirmed its A- rating
The outlook is stable. AM Best says UAE motor business was about 60% of the company's net insurance revenue in 2025.16
- First-half 2026 profit rose 9% to AED 75.1 million
Gross written premium rose 13% to AED 1.0 billion, with domestic growth led by motor.18
- Chief financial officer changed
At the annual general meeting the chairman announced the retirement of Aart Lehmkuhl and welcomed Jean Claus in the role.17
- Company warned customers about unofficial contact details
It says it does not publish mobile numbers and will never ask for payment to a personal bank account.13
- Shareholders approved the buyback of an 11.81% stake
The company bought Mamoura Diversified Global Holding's shares for AED 140.9 million and gave them to its other shareholders.11
Contact Emirates Insurance
- Toll free800 98
- Emailinfo@eminsco.com
- HoursMonday to Thursday 8am to 5pm, Friday 8am to 12pm
- Head officeEIC Building, Al Zahiya (Tourist Club), PO Box 3856, Abu Dhabi
Branches (4)
| Branch | Address | Phone |
|---|---|---|
| Head Office | EIC Building, Al Zahiya (Tourist Club), PO Box 3856, Abu Dhabi | |
| Mussafah Branch | M26, PO Box 3856, Abu Dhabi | |
| Dubai Office | Bayswater Building, Business Bay, PO Box 4430, Dubai | |
| Al Ain Branch | Sheikh Khalifa Street, PO Box 15023, Al Ain |
Common questions
Who owns Emirates Insurance?
It is listed on the Abu Dhabi Securities Exchange. Its largest shareholders at 31 December 2025 were MZI Holding Ltd with 17.14% and Al Dhabi Investments with 13.75%.11
What is Emirates Insurance's financial strength rating?
AM Best affirmed its A- rating with a stable outlook on 18 August 2026.16
How do I claim on my Emirates Insurance car policy?
Get a police report, then report the claim online, on 800 18 or by email to motorclaims@eminsco.com. The company's FAQ says you typically need the police report, vehicle registration, driving licence and Emirates ID.4
What is the Emirates Insurance roadside assistance number?
The claims page and FAQ give 800 73, open 24 hours, if your table of benefits includes Roadside Assistance. The Emergency Assistance page gives 800 342, which the complaints page lists as the Dubai Health Authority's number, so confirm on 800 98.3
Does Emirates Insurance cover my car in Oman?
The company says it offers Comprehensive Oman Coverage and Orange Card policies for cross-border travel. Check your policy schedule to see whether your policy includes it.4
Does Emirates Insurance give a hire car after an accident?
Only if your policy schedule includes the Hire Car Benefit. Call 800 18 to confirm eligibility and arrange a courtesy car.3
How do I know a message from Emirates Insurance is real?
The company names www.eminsco.com and 800 98 as its official channels and says it does not publish mobile numbers. It says it will never ask for payment to a personal bank account.13
Sources
23
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Emirates Insurance, Motor Insurance. Last checked 5 Nov 2026. Source document: Motor Insurance
3Emirates Insurance, Claims. Last checked 5 Nov 2026. Source document: Claims
4Emirates Insurance, Frequently Asked Questions. Last checked 5 Nov 2026. Source document: Frequently Asked Questions
5Emirates Insurance, Request a Call Back (contact page). Last checked 5 Nov 2026. Source document: Request a Call Back (contact page)
6Emirates Insurance, Complaints and Service Resolution. Last checked 5 Nov 2026. Source document: Complaints and Service Resolution
7Emirates Insurance, Our Story. Last checked 5 Nov 2026. Source document: Our Story
8Emirates Insurance, Business Motor Insurance. Last checked 5 Nov 2026. Source document: Business Motor Insurance
9Emirates Insurance, Elite Club Insurance. Last checked 5 Nov 2026. Source document: Elite Club Insurance
10S&P Global Ratings, Rating confirmation letter, 22 September 2025. Last checked 5 Nov 2026. Source document: Rating confirmation letter, 22 September 2025
11Emirates Insurance, Corporate Governance Report FY2025. Last checked 5 Nov 2026. Source document: Corporate Governance Report FY2025
12Emirates Insurance, Emergency Assistance. Last checked 5 Nov 2026. Source document: Emergency Assistance
13Emirates Insurance, Important Customer Notice. Last checked 5 Nov 2026. Source document: Important Customer Notice
14Emirates Insurance, Network of certified non-agency repairers, 21 May 2026. Last checked 5 Nov 2026. Source document: Network of certified non-agency repairers, 21 May 2026
15Abu Dhabi Securities Exchange, EIC company disclosures. Last checked 5 Nov 2026. Source document: EIC company disclosures
16AM Best, AM Best Affirms Credit Ratings of Emirates Insurance Company P.J.S.C.. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Emirates Insurance Company P.J.S.C.
17Emirates Insurance via ADX, Minutes of the Annual General Assembly, 9 April 2026. Last checked 5 Nov 2026. Source document: Minutes of the Annual General Assembly, 9 April 2026
18Emirates Insurance via ADX, Condensed interim financial information, six months to 30 June 2026. Last checked 5 Nov 2026. Source document: Condensed interim financial information, six months to 30 June 2026
19S&P Global Ratings, Emirates Insurance Co. 'A-' Ratings Affirmed, 25 June 2024. Last checked 5 Nov 2026. Source document: Emirates Insurance Co. 'A-' Ratings Affirmed, 25 June 2024
20Emirates Insurance (Wayback Machine, 27 January 2023), Motor Insurance. Last checked 5 Nov 2026. Source document: Motor Insurance
21Emirates Insurance (Wayback Machine, 14 August 2024), Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
22Emirates Insurance via ADX, Integrated Report, 31 December 2025. Last checked 5 Nov 2026. Source document: Integrated Report, 31 December 2025
23Emirates Insurance via ADX, Financial results for the year ended 31 December 2025. Last checked 5 Nov 2026. Source document: Financial results for the year ended 31 December 2025
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published