Insurance House
Insurance House is a non-life insurer based in Abu Dhabi and listed on the Abu Dhabi Securities Exchange as IH. Finance House is its largest shareholder, with 45.609% at the end of 2025. It sells private and commercial car insurance alongside health, property, marine and other cover.
At 30 June 2026 its auditor flagged a material uncertainty over whether the company can continue as a going concern, and said it was not meeting the required solvency ratio.16
Out of 5 from 1,583 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 Insurance House
Insurance House averages 2.6 out of 5 across 1,583 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Counts come from the 47 reviews we read that are about car insurance, most from 2022 to 2026.
What customers praise
Claim handled well3 of 47
I repaired my car in one of my known garage and within two weeks they give me the check
Easy to buy from or deal with3 of 47
Very quick and easy process, got my car insurance there
What customers complain about
Calls and messages not answered25 of 47
no response from the call center despite repeated attempts
Long wait for repair approval, car stuck at the garage17 of 47
More than 3 week i am waiting for approval now 1 is replying and garage people say contact insurance
Slow refunds, cheques and rental payments8 of 47
It took me one month to claim the rent a car payment
Disputes over repair value, excess or garage quality7 of 47
All that matters is that they repair the car at any cost and at the cheapest price.
Read the Google reviews for each office
Insurance House car insurance
Insurance House sells private and commercial car insurance, as comprehensive cover or stand-alone third party liability. Its motor page lists optional extras including roadside assistance, wider geographic cover and cover for death or disability of drivers and family members.
| Plan | Type | What it is |
|---|---|---|
| Private Motor Insurance | Comprehensive | Covers loss of or damage to the car from an accident, plus the driver and legal liability for death, injury or damage to other people's property.2 |
| Third Party Liability Policy | Third party | Stand-alone policy covering your legal liability for injury, death or property damage to others caused by use of the insured vehicle.2 |
| Commercial Motor Insurance | Other | Covers loss of or damage to the vehicle from an accident and driver-related legal liability. A stand-alone third party policy is also offered.4 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | An older product page lists repairs by the carmaker under comprehensive cover. The main motor page and the policy wording do not mention agency repair. Check your policy schedule.3 |
| Roadside assistance | Depends on plan | The main motor page sells it as an optional extra covering towing to the nearest repair shop, petrol if you run out and unlocking doors if keys are lost. The older product page lists it as covered.2 |
| GCC cover | Depends on plan | The main motor page lists extended geographic cover as optional. The older product page lists cover in nearby GCC countries under comprehensive. The policy wording excludes loss outside its stated territory unless a rider extends it. Check your policy schedule.2 |
| Orange Card | Optional extra | Covers damage to third parties from accidents outside the UAE, within the extended geographic area.2 |
| Natural disaster and flood | Depends on plan | The older product page says force of nature damage is covered. The policy wording lists natural disasters such as floods as an exclusion. A claims page has a separate natural disaster claim form. Check your policy schedule.9 |
| Off-road cover | Optional extra | Damage off the road is excluded unless an extension is added to the policy.9 |
| Windscreen | Depends on plan | The older product page lists windscreen damage under comprehensive cover. The main motor page does not mention it. Check your policy schedule.3 |
| Medical expenses | Depends on plan | The older product page lists treatment after a car accident under comprehensive cover. The main motor page does not mention it. Check your policy schedule.3 |
More cover details (11)
| Cover | With this insurer | Details |
|---|---|---|
| Personal belongings | Depends on plan | The older product page lists items stolen from the car under comprehensive cover. The policy wording says cover for your property needs a rider and extra premium, or a separate policy. Check your policy schedule.3 |
| Personal accident, driver | Optional extra | The older product page lists it as an add-on for comprehensive and third party policies.3 |
| Personal accident, passengers | Optional extra | The older product page lists it as an add-on for comprehensive and third party policies.3 |
| Replacement car | Optional extra | The older product page lists it as an add-on for comprehensive policies.3 |
| Increased third party liability | Optional extra | The older product page lists it as an add-on for comprehensive and third party policies.3 |
| Excess | Depends on plan | Maximum per accident for private cars with up to 9 passengers: AED 350 for a value up to AED 50,000, AED 700 up to AED 100,000, AED 1,000 up to AED 250,000, AED 1,200 above AED 250,000 and AED 1,400 above AED 500,000. It applies to an accident you or your driver caused, or one logged against an unknown person.9 |
| Young driver terms | Depends on plan | An extra excess of up to 10% of the claim can apply if the driver is under 25 and caused the accident.9 |
| Extra excess on some cars | Depends on plan | If you caused the accident, an extra excess of up to 15% of the claim can apply to sports and modified cars, and up to 20% to cars modified outside the factory.9 |
| New parts | Depends on plan | If you ask for new original parts, you pay a depreciation share by car age: 5% in year two, 10% in year three, 15% in year four, 20% in year five and 30% from year six.9 |
| Total loss | Depends on plan | A car counts as a total loss if it is lost, cannot be repaired or repairs exceed 50% of its pre-accident value. Payment is based on the agreed value less 20% a year, pro rata from the policy start.9 |
| Cancelling your policy | Depends on plan | You can cancel with seven days' written notice. Any refund follows the short-period scale in the policy, and depends on no claim paid or pending where you were at fault or the cause is unknown.9 |
Check before you buy
- Indirect losses are not paid, nor is loss of value from use, breakdown or faults in mechanical or electrical parts.9
- Tyre damage is not covered unless the car is damaged in the same event.9
- Racing or speed testing is excluded where it directly caused the accident.9
- A driver without a valid licence for the vehicle is excluded. An expired licence is accepted only if renewed within 30 days of the accident.9
- Driving under the influence of drugs or alcohol is excluded, and the insurer can recover what it has paid.9
- If you admit liability for an accident you did not cause and the insurer loses its right to recover from the other party, the loss is excluded.9
- War, strikes, civil commotion and nuclear risks are excluded.9
Policy documents
- Unified Motor Vehicle Insurance Policy Against Loss and Damage (Arabic and English)Policy wording, 2020
- Motor Claim Form, AccidentClaim form, 2024
- Motor Claim Form, Flood and Natural DisasterClaim form, 2024
How to claim with Insurance House
- Roadside help600575751
- Claims emailonlineclaim@insurancehouse.ae
- Claim onlineOpen claim page
Book towing and other roadside help by phone, or on WhatsApp at 043876666.5
Steps
- Tell the authorities straight away and get a police report.9
- Tell Insurance House as soon as you can.9
- Do not admit liability to anyone.7
- Fill in the Motor Accident Claim Form. For flood or rain damage, use the natural disaster form.6
- Attach the required documents.6
- One claims page says to email everything to onlineclaim@insurancehouse.ae.6
- The claims page in the site menu says to choose a workshop from its network and hand the documents in there.5
- Complaints: acknowledged within 3 hours and resolved within 14 days at most.11
Not happy with a claim? Complain to Insurance House at ihcomplaints@insurancehouse.ae first. How to take a complaint to Sanadak.
About Insurance House
- Legal name
- Insurance House
- Founded
- 14 April 2011 in its accounts. The sustainability section of its 2025 Integrated Report says 2010.15
- Type
- Non-life insurer17
- Owner
- Finance House P.J.S.C held 45.609% and Al Mazroui Investment LLC held 29.466% at 31 December 2025, before share capital was cut in 2026. The rest is held by other shareholders. In January 2026 it received a letter of intent for a possible takeover, and no outcome had been disclosed by 15 October 2026.12
- Listed on
- Abu Dhabi Securities Exchange, ticker IH13
- Headquarters
- Orjowan Building, Zayed 1st Street, Khalidiya, Abu Dhabi10
- UAE branches
- Its contact page lists four offices: the Abu Dhabi head office, Al Muroor in Abu Dhabi, Dubai and Sharjah. Its June 2026 accounts list the head office and branches at Al Samha, Dubai Sheikh Zayed Road, Sharjah, Mahawi and Motor World.10
- Also sells
- Health, Property and casualty, Engineering, Marine, Aviation, Energy, Personal accident, Household, Travel2
- Central Bank
- Listed in the CBUAE register, September 2026, number 891
Financial strength
At 30 June 2026 its auditor flagged a material uncertainty over whether the company can continue as a going concern. Accumulated losses were AED 130.1 million and equity was AED 9.5 million, against minimum regulatory capital of AED 100 million. The auditor's report and Note 1 of the accounts say it was not meeting the required solvency ratio. Note 16 of the same accounts says it complied, while the table in that note, dated 31 March 2026, shows a shortfall of AED 132.6 million against the solvency capital requirement. In January 2026 it received a letter of intent for a possible takeover, and no outcome had been disclosed by 15 October 2026.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| AM Best | C (Weak), then withdrawn at the company's request, Under review with negative implications at withdrawal27 | UAE company | 22 Sept 2023 |
Recent news
- Insurance House reports AED 7.89 million total comprehensive profit for H1 2026
That was up from AED 2.79 million, and insurance revenue rose about 56% to AED 278.57 million.24
- Shareholders approve no dividend for 2025
The annual meeting approved paying no dividend, given the company's financial position and accumulated losses.23
- Trading in the shares suspended around takeover and share price disclosures
Trading stopped on 20 January, the day the takeover letter was disclosed, and was suspended and resumed the same day on 13 February, 26 February and 6 March, when the company answered a market query on a share price rise.26
- Insurance House returns to profit in 2025
Total comprehensive income was AED 5.41 million, against a loss of AED 19.59 million in 2024, on insurance revenue of AED 403.99 million.25
- Shareholders do not approve AED 25 million rights issue
The meeting results record the capital increase as not approved because of the takeover letter, and the June 2026 accounts say shareholders deferred the decision. Share capital was cut to AED 113,436,215 by cancelling treasury shares.22
Contact Insurance House
- Phone600511112
- Emailinfo@insurancehouse.ae
- Head officeOrjowan Building, Zayed 1st Street, Khalidiya Area, P.O. Box 129921, Abu Dhabi
Branches (4)
| Branch | Address | Phone |
|---|---|---|
| Head Office | Orjowan Building, Zayed 1st Street, Khalidiya Area, P.O. Box 129921, Abu Dhabi | 600511112 |
| Al Muroor | ADNOC Vehicle Inspection Center, Muroor Road, P.O. Box 129921, Abu Dhabi | 600511112 |
| Dubai | Al Kuthban Building, near Noor Metro station, Sheikh Zayed Road, P.O. Box 117474, Dubai | 600511112 |
| Sharjah | Al Khan Corniche Street, P.O. Box 6099, Sharjah | 600511112 |
Common questions
Who owns Insurance House?
At 31 December 2025, Finance House P.J.S.C held 45.609% and Al Mazroui Investment LLC held 29.466%. The shares are listed on the Abu Dhabi Securities Exchange as IH.12
Is Insurance House financially stable?
Its June 2026 accounts carry an auditor's warning of material uncertainty over its ability to continue as a going concern, and the auditor says it was not meeting the required solvency ratio, while Note 16 says it complied. It reported a profit of AED 7.98 million for the half year.16
Does Insurance House have a credit rating?
AM Best cut its rating to C (Weak) on 22 September 2023 and withdrew it at the company's request.27
Is Insurance House being taken over?
In January 2026 it received a letter of intent from an entity representing a Dubai-listed insurer. No outcome has been announced in its disclosures up to 15 October 2026.29
How do I make a car insurance claim with Insurance House?
One claims page says to email the claim form, police report, registration card, licence and damage photos to onlineclaim@insurancehouse.ae. The claims page in its site menu says to choose a workshop from its network and hand the documents in there.6
What is the Insurance House roadside assistance number?
Call 600575751 to book towing or other roadside help.5
How do I complain to Insurance House?
Email ihcomplaints@insurancehouse.ae, call 600511112 or visit a branch. It says it will resolve complaints within 14 days at most, and you can escalate to the Central Bank's insurance supervision.11
Sources
30
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Insurance House, Private Motor Insurance. Last checked 5 Nov 2026. Source document: Private Motor Insurance
3Insurance House, Private Motor Insurance (older product page). Last checked 5 Nov 2026. Source document: Private Motor Insurance (older product page)
4Insurance House, Commercial Motor Insurance. Last checked 5 Nov 2026. Source document: Commercial Motor Insurance
5Insurance House, Motor Claims (workshop route). Last checked 5 Nov 2026. Source document: Motor Claims (workshop route)
6Insurance House, Motor Claims (online form route). Last checked 5 Nov 2026. Source document: Motor Claims (online form route)
7Insurance House, Motor Claim Form, Accident. Last checked 5 Nov 2026. Source document: Motor Claim Form, Accident
8Insurance House, Motor Claim Form, Flood and Natural Disaster. Last checked 5 Nov 2026. Source document: Motor Claim Form, Flood and Natural Disaster
9Insurance House, Unified Motor Vehicle Insurance Policy Against Loss and Damage (Arabic, with schedules). Last checked 5 Nov 2026. Source document: Unified Motor Vehicle Insurance Policy Against Loss and Damage (Arabic, with schedules)
10Insurance House, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
11Insurance House, How to Initiate a Complaint, December 2022. Last checked 5 Nov 2026. Source document: How to Initiate a Complaint, December 2022
12Insurance House, Key Shareholders. Last checked 5 Nov 2026. Source document: Key Shareholders
13Insurance House, Our Company. Last checked 5 Nov 2026. Source document: Our Company
14Insurance House, Home page. Last checked 5 Nov 2026. Source document: Home page
15Insurance House, Financial statements for the year ended 31 December 2025. Last checked 5 Nov 2026. Source document: Financial statements for the year ended 31 December 2025
16Insurance House, Condensed interim financial statements, six months ended 30 June 2026. Last checked 5 Nov 2026. Source document: Condensed interim financial statements, six months ended 30 June 2026
17Insurance House, Integrated Report 2025. Last checked 5 Nov 2026. Source document: Integrated Report 2025
18Insurance House, Corporate Governance Report 2025. Last checked 5 Nov 2026. Source document: Corporate Governance Report 2025
19Insurance House, Detailed analysis of accumulated losses, Q4 2025. Last checked 5 Nov 2026. Source document: Detailed analysis of accumulated losses, Q4 2025
20Insurance House, Detailed analysis of accumulated losses, Q1 2025. Last checked 5 Nov 2026. Source document: Detailed analysis of accumulated losses, Q1 2025
21Insurance House, Disclosure: Letter of Intent regarding a potential acquisition offer, 20 January 2026. Last checked 5 Nov 2026. Source document: Disclosure: Letter of Intent regarding a potential acquisition offer, 20 January 2026
22Insurance House, General Assembly results, 27 January 2026. Last checked 5 Nov 2026. Source document: General Assembly results, 27 January 2026
23Insurance House, Annual General Meeting minutes, 17 March 2026. Last checked 5 Nov 2026. Source document: Annual General Meeting minutes, 17 March 2026
24Insurance House, H1 2026 press release. Last checked 5 Nov 2026. Source document: H1 2026 press release
25Insurance House, Chairman's report for 2025. Last checked 5 Nov 2026. Source document: Chairman's report for 2025
26Insurance House, Investor calendar. Last checked 5 Nov 2026. Source document: Investor calendar
27AM Best, AM Best Downgrades and Withdraws Credit Ratings of Insurance House. Last checked 5 Nov 2026. Source document: AM Best Downgrades and Withdraws Credit Ratings of Insurance House
28AM Best via Business Wire, AM Best Downgrades and Withdraws Credit Ratings of Insurance House P.S.C.. Last checked 5 Nov 2026. Source document: AM Best Downgrades and Withdraws Credit Ratings of Insurance House P.S.C.
29Abu Dhabi Securities Exchange, Insurance House company disclosures. Last checked 5 Nov 2026. Source document: Insurance House company disclosures
30Insurance House, Disclosure on the share price, 26 February 2026. Last checked 5 Nov 2026. Source document: Disclosure on the share price, 26 February 2026
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published