Fidelity United
Fidelity United is the trading name of United Fidelity Insurance Company, a UAE insurer listed on the Abu Dhabi Securities Exchange. It sells car, health, home, travel and pet insurance to individuals, plus cover for businesses. Its largest shareholder is Fidelity Assurance and Reinsurance of Lebanon.
At 30 June 2026 the company was AED 105.5 million short of its AED 140.3 million solvency capital requirement, on preliminary figures. Its auditor's report on 2025 flagged a material uncertainty over whether it can continue as a going concern.1210
Out of 5 from 2,097 Google reviews across 5 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Fidelity United
Fidelity United averages 2.9 out of 5 across 2,097 Google reviews of its UAE offices, read 5 Nov 2026. Offices range from 2.5 to 4.6. Those reviews cover everything it sells, not only car insurance.
Counts come from the 10 reviews we read that are about car insurance.
What customers praise
Helpful, professional service3 of 10
Their service was excellent and very professional.
What customers complain about
Slow repairs and approvals4 of 10
the whole process took 4 weeks 2 weeks just for approval, and then another 2 weeks for the car to be repaired in their workshop.
Unhappy with the garage or parts offered3 of 10
they gave me a list of garage which are the worst , instead of sending me to the showroom
Poor follow-up on open cases3 of 10
I have been sending emails nearly every day, but I receive no response and no clear update regarding the status of my vehicle.
Read the Google reviews for each office
Fidelity United car insurance
Fidelity United sells comprehensive and third party car insurance to individuals and companies, with optional add-ons on both. It also has a motor fleet product for businesses.
| Plan | Type | What it is |
|---|---|---|
| Comprehensive Cover | Comprehensive | Covers your own car and your liability to third parties. Available for vehicles up to 7 years old. Older vehicles are referred to its motor team case by case.3 |
| Third Party Liability Cover | Third party | Covers injury to other people and damage to their property. It does not cover damage to your own car.3 |
| Motor Fleet | Other | Third party and own damage cover for business vehicles.8 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | Available for up to 2 years from first registration. Can be extended to 3 years for an extra premium if you have no own-fault claim.3 |
| Approved workshops | Included | Claims are repaired at approved workshops. Its list dated 2 September 2026 has 25 entries: Dubai 9, Abu Dhabi 6, Ras Al Khaimah 3, Sharjah 3, Al Ain 2, Ajman 1, Fujairah 1. Three of them are for heavy vehicles only.9 |
| Roadside assistance | Depends on plan | 24-hour service, listed as a feature of comprehensive cover. The FAQ says to use it if your policy has roadside assistance.3 |
| Replacement car | Depends on plan | The motor page lists a replacement car when you are not at fault under comprehensive cover, and a rental car for 5 or 10 days as an optional extra. The FAQ says a car is provided only if the rental clause is in your policy.2 |
| Personal accident cover for the driver | Optional extra | Added at the request of the insured for an additional premium.2 |
| Personal accident cover for passengers | Optional extra | Added at the request of the insured for an additional premium.2 |
| Oman cover | Depends on plan | Own damage cover in Oman is listed as a comprehensive feature and also as an optional extra at an additional premium.2 |
| GCC cover | Optional extra | Orange Card extends third party cover to GCC countries, for an additional premium.2 |
More cover details (8)
| Cover | With this insurer | Details |
|---|---|---|
| Natural disaster and flood cover | Optional extra | Flood, storm, hurricane and earthquake, for an additional premium.2 |
| Windscreen | Included | Comprehensive lists an excess waiver for accidental windscreen damage.2 |
| No-claims discount | Depends on plan | A premium discount based on the number of years the driver has gone without claims.3 |
| Personal belongings | Depends on plan | Listed as a comprehensive feature and also as an optional extra for private vehicles.2 |
| Ambulance and emergency medical expenses | Included | Comprehensive lists National Ambulance Service and emergency medical expenses.2 |
| Replacement of door locks | Included | Listed under comprehensive cover.2 |
| Special paint, stickers and graphics | Optional extra | Extension available for an additional premium.2 |
| Loading and unloading | Optional extra | Extension available for an additional premium.2 |
Published prices
- Adding the rental of alternative vehicle clause costs an additional premium of AED 250.3
Check before you buy
- A third party policy does not cover loss of or damage to your own car.3
- The policy cannot be transferred to the buyer when you sell the car. It must be cancelled and the new owner needs a new policy.3
- Cancellation is allowed on deregistration, a certificate of no plate or transfer of ownership. A refund is paid on the short rate schedule, and only if no claims were made.3
Policy documents
- Motor insurance claim form (online)Claim form
How to claim with Fidelity United
- Claims phone800842
- Roadside help8004101
- Claims emailclaims@fidelityunited.ae
- Claim onlineOpen claim page
24 hours. The motor page gives 800-4101. The FAQ gives 600575751 for towing to the nearest approved workshop, if your policy has roadside assistance.2
Steps
- Register the claim on the website or by calling 800 842.4
- Send the police report, registration card and driving licence to claims@fidelityunited.ae or through the website.4
- Drop the car at a workshop in its approved network.4
- Wait for the workshop to prepare a repair estimate.4
- Fidelity United surveys the car and authorises the repair.4
- Repairs start and you are told how long they will take.4
- Collect the car when the workshop tells you it is ready.4
Not happy with a claim? Complain to Fidelity United at complaints@fidelityunited.ae first. How to take a complaint to Sanadak.
About Fidelity United
- Legal name
- United Fidelity Insurance Company
- Founded
- Its accounts say it was registered by decree on 15 September 1976. The Abu Dhabi exchange gives incorporation as 31 December 1975.10
- Type
- Conventional insurer. It writes general and life insurance.12
- Owner
- Four shareholders hold nearly all the shares: Fidelity Assurance and Reinsurance of Lebanon 41.13%, Ghobash Trading and Investment 35.86%, Rashid Al Mazrouei Real Estate 12.63%, and Nawwaf Ghubash 9.64%.17
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker FIDELITYUNITED, listed 1 April 200816
- Headquarters
- Its share offer document gives Bloom Central Building, Airport Road, Abu Dhabi. Its website gives Golden Gate Building, Oud Metha, Dubai.13
- UAE branches
- Offices in Abu Dhabi, Dubai, Sharjah, Ras Al Khaimah and Fujairah12
- Also sells
- Health, Home, Travel, Pet, Group health, Group life, Property, Liability, Marine, Engineering, Money2
- Previous name
- United Insurance Company, until 2018-116
- Central Bank
- Listed in the CBUAE register, September 2026, number 81
Financial strength
At 30 June 2026 the company was AED 105.5 million short of its AED 140.3 million solvency capital requirement, on preliminary figures. Its auditor's report on 2025 said its capital shortfall, accumulated losses and negative operating cash flow were a material uncertainty that may cast significant doubt on its ability to continue as a going concern. Shareholders are adding capital under a recovery plan submitted to the Central Bank. Total assets at 31 December 2025 are AED 653.5 million in the 2025 annual report and AED 655.5 million in the June 2026 statements.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| Moody's | B118 | UAE company | 11 Jun 2024 |
Awards
News and official actions
- Official action
The Abu Dhabi Department of Health recorded a violation for not following the rules on marketing or selling health insurance policies. The company reports it reviewed its procedures and trained staff.11
- Official action
The Abu Dhabi Department of Health recorded a violation for not printing the authority approval number on ten health insurance policies.11
- Official action
The Dubai Health Authority recorded a violation for late payment of health benefits to a healthcare provider.11
- Shareholders invited to a second AED 30 million share offer
The rights issue would lift share capital from AED 190 million to AED 220 million, with subscription from 17 November to 1 December 2026, and its stated purpose is to remedy the solvency ratio and fund growth.13
- New management office opens in Oud Metha, Dubai
The office is in the Golden Gate Building.23
- Net loss of AED 6.4 million for the first half of 2026
Insurance revenue was AED 365.1 million, up from AED 273.9 million a year earlier, and the loss was AED 8.9 million in the same half of 2025.12
- Partnership with SlashData on insurance data
Fidelity United adopted the Mulem and Wtheeq services for real-time access to insurance data.24
- Agreement with Shory and EVS on electric vehicles
The three companies signed a collaboration on insurance for electric vehicle owners.22
Contact Fidelity United
- Toll free800842
- Emailcustomercare@fidelityunited.ae
- HoursMonday to Friday, 8:00 am to 5:00 pm
- Head officeGolden Gate Building, Office 302-303, Umm Hureir Road, Oud Metha, Dubai
Branches (5)
| Branch | Address | Phone |
|---|---|---|
| Abu Dhabi | Bloom Central Building, 4th Floor, Office 407, Airport Road, Al Manhal, Al Tibbiya, Abu Dhabi | |
| Dubai Branch Office | The Opus Tower, Block B, Office B703, Business Bay, Dubai | |
| Sharjah | City Gate Tower, 19th Floor, Office 1903, Etihad Road, Sharjah | |
| Ras Al Khaimah | Fidelity United Building, Al Dhaith South, Ras Al Khaimah | |
| Fujairah | Fujairah Tower, Office 704, Fujairah |
Common questions
Is Fidelity United financially stable?
At 30 June 2026 it had a deficit of AED 105.5 million against a solvency capital requirement of AED 140.3 million. It has submitted a recovery plan to the Central Bank and is raising capital from shareholders.12
What is Fidelity United's Moody's rating?
Moody's lowered its insurance financial strength rating to B1 from Ba3 in June 2024.18
Who owns Fidelity United?
Fidelity Assurance and Reinsurance of Lebanon holds 41.13% and Ghobash Trading and Investment holds 35.86%. Rashid Al Mazrouei Real Estate and Nawwaf Ghubash hold most of the rest.17
How long does Fidelity United give agency repair?
Up to 2 years from first registration. It can be extended to 3 years for an extra premium if you have no own-fault claim.3
Will Fidelity United insure an older car comprehensively?
Comprehensive cover is available for vehicles up to 7 years old. Older vehicles are referred to its motor team case by case.3
How do I make a car insurance claim with Fidelity United?
Register on its website or call 800 842, and send the police report, registration card and driving licence to claims@fidelityunited.ae. You do not need to visit an office.3
Does Fidelity United give a replacement car?
The motor page lists a replacement car when you are not at fault under comprehensive cover. The FAQ says you get one only if the rental clause is in your policy, at an additional premium of AED 250.3
Sources
26
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Fidelity United, Motor insurance page. Last checked 5 Nov 2026. Source document: Motor insurance page
3Fidelity United, Frequently asked questions. Last checked 5 Nov 2026. Source document: Frequently asked questions
4Fidelity United, Motor insurance claim page. Last checked 5 Nov 2026. Source document: Motor insurance claim page
5Fidelity United, Contact us. Last checked 5 Nov 2026. Source document: Contact us
6Fidelity United, Who we are. Last checked 5 Nov 2026. Source document: Who we are
7Fidelity United, Complaints. Last checked 5 Nov 2026. Source document: Complaints
8Fidelity United, Motor fleet page. Last checked 5 Nov 2026. Source document: Motor fleet page
9Fidelity United, Workshop list dated 2 September 2026. Last checked 5 Nov 2026. Source document: Workshop list dated 2 September 2026
10United Fidelity Insurance Company via ADX, Integrated report for the year ended 31 December 2025. Last checked 5 Nov 2026. Source document: Integrated report for the year ended 31 December 2025
11United Fidelity Insurance Company via ADX, Corporate governance report 2025. Last checked 5 Nov 2026. Source document: Corporate governance report 2025
12United Fidelity Insurance Company via ADX, Interim financial statements to 30 June 2026. Last checked 5 Nov 2026. Source document: Interim financial statements to 30 June 2026
13United Fidelity Insurance Company via ADX, Invitation to subscribe to Phase Two rights issue. Last checked 5 Nov 2026. Source document: Invitation to subscribe to Phase Two rights issue
14Fidelity United, Integrated report 2024. Last checked 5 Nov 2026. Source document: Integrated report 2024
15Fidelity United, Integrated report 2023. Last checked 5 Nov 2026. Source document: Integrated report 2023
16Abu Dhabi Securities Exchange, FIDELITYUNITED company overview. Last checked 5 Nov 2026. Source document: FIDELITYUNITED company overview
17Abu Dhabi Securities Exchange, FIDELITYUNITED shareholders and board. Last checked 5 Nov 2026. Source document: FIDELITYUNITED shareholders and board
18MarketScreener / MT Newswires, Moody's lowers United Fidelity Insurance's rating over solvency recovery plan delays. Last checked 5 Nov 2026. Source document: Moody's lowers United Fidelity Insurance's rating over solvency recovery plan delays
19Mashreq, Debt capital markets update, 30 June 2022. Last checked 5 Nov 2026. Source document: Debt capital markets update, 30 June 2022
20InsureTek, Winners 2021. Last checked 5 Nov 2026. Source document: Winners 2021
21Trustpilot, Fidelityunited reviews. Last checked 5 Nov 2026. Source document: Fidelityunited reviews
22Fidelity United, Collaboration with Shory and EVS. Last checked 5 Nov 2026. Source document: Collaboration with Shory and EVS
23Fidelity United, New management office in Dubai. Last checked 5 Nov 2026. Source document: New management office in Dubai
24Fidelity United, Partnership with SlashData. Last checked 5 Nov 2026. Source document: Partnership with SlashData
25United Fidelity Insurance Company via ADX, General assembly results, 30 April 2026. Last checked 5 Nov 2026. Source document: General assembly results, 30 April 2026
26Atlas Magazine, Ahmed Nasef, new CEO of Fidelity United Insurance. Last checked 5 Nov 2026. Source document: Ahmed Nasef, new CEO of Fidelity United Insurance
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published