New India Assurance
New India Assurance is an Indian general insurer, 85.44% owned by the Government of India, that sells car, health, property and marine cover in the UAE. It started in the UAE in 1961. Its UAE offices are in Abu Dhabi, Dubai and Sharjah.
Out of 5 from 2,973 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 New India Assurance
New India Assurance averages 3.0 out of 5 across 2,973 Google reviews of its UAE offices, read 5 Nov 2026. Offices range from 1.8 to 4.2. Those reviews cover everything it sells, not only car insurance.
Counts come from the 289 reviews we read that are about car insurance, most from 2025 to 2026.
What customers praise
Good repair work at an approved garage149 of 289
They did a great job and delivered the car in very good condition.
Car repaired quickly or on time25 of 289
On time delivery. Good repair work
Claim or repair approval handled quickly15 of 289
The claim process was very fast from the new India assurance
Insurer sent them to a garage they liked15 of 289
They provided great assistance throughout and recommended Golden Motor for vehicle service.
What customers complain about
Calls and emails not answered after an accident24 of 289
I had an accident, im trying to reach them from friday morning and no one is responding
Repair approval or claim took weeks or months15 of 289
Despite the garage submitting the required documents promptly, the company delayed the repair approval process.
Poor work or service at the approved garage12 of 289
I got my car with full of dust and used issue thrown inside
Dispute over what the claim would pay10 of 289
Even when the police provide a report clearly stating the damage, their inspector refuses to cover it under insurance.
Read the Google reviews for each office
| Office | Rating | Reviews |
|---|---|---|
| Al Zahiya, Ground Floor, Opp Ramada Downtown Near KM Hypermarket, Al Zahiyah - Abu Dhabi | 4.2 | 1,522 |
| Sheikh Sabah Al-Ahmad Al-Jaber Al-Sabah St, Al Raffa - Dubai | 1.8 | 1,451 |
New India Assurance car insurance
It sells comprehensive, third party and fleet motor insurance based on the UAE Unified Motor Policy, for private cars and commercial vehicles. Add-ons such as agency repair go with comprehensive cover only.
| Plan | Type | What it is |
|---|---|---|
| Comprehensive Motor Insurance | Comprehensive | Covers loss of or damage to your car from accident, fire, theft, malicious acts and transit, plus third party liability.2 |
| Third Party Liability Motor Insurance | Third party | Covers your legal liability for death or injury to others, including passengers, and damage to their property. No add-ons are available.2 |
| Fleet Comprehensive Motor Insurance | Other | For six or more vehicles. You can choose comprehensive, third party or a mix of both.2 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Optional extra | Sold as an add-on to comprehensive cover.2 |
| Approved garage repair | Included | You can start a claim by taking the car to a garage on the insurer's approved list.8 |
| Roadside assistance | Depends on plan | The motor page lists road assistance as an optional add-on, and also lists free towing, battery boost, lock-out, flat tyre and fuel delivery as benefits. The roadside page calls it a complimentary service and says your policy schedule shows if you have it. It covers private cars, SUVs and 4-wheel drives inside the UAE. You pay for the fuel.7 |
| Replacement or hire car | Optional extra | Listed as Rent a Car, an add-on to comprehensive cover.2 |
| Personal accident cover for the driver | Optional extra | Add-on to comprehensive cover.2 |
| Personal accident cover for passengers | Optional extra | Add-on to comprehensive cover.2 |
| GCC cover | Optional extra | Named as an add-on to comprehensive cover.2 |
| Off-road cover | Optional extra | Add-on for individually owned 4-wheel private vehicles.2 |
More cover details (4)
| Cover | With this insurer | Details |
|---|---|---|
| Natural disaster and flood cover | Depends on plan | The motor page lists natural calamities as an add-on. The car insurance page lists floods, storms and earthquakes under comprehensive cover. Check your policy schedule.2 |
| Windscreen | Optional extra | Windscreen damage is an add-on to comprehensive cover.2 |
| Zero depreciation | Optional extra | Listed as an add-on on the car insurance page.3 |
| Excess | Depends on plan | If your policy has an excess, you pay it at the garage when you collect the car.8 |
Check before you buy
- Damage from driving under the influence of drugs or alcohol is not covered.2
- Intentional acts are not covered.2
- Driving without a licence is not covered.2
Policy documents
- Motor Insurance Claim FormClaim form, 2025
How to claim with New India Assurance
- Claims phone, Abu Dhabi policies+971 2 6440428 ext 236
- Roadside help, Abu Dhabi policies600 575751
- Roadside help, Dubai policies800 247772
- Claims email, Abu Dhabi policiesmtrclmsnia@newindia-uae.com
- Claims email, Dubai policiesclaimregistration@nia-dubai.com
- Claim onlineOpen claim page
Service inside the UAE for private cars, SUVs and 4-wheel drives. Towing is to a workshop within the city limits.7
Steps
- Register the claim: take the car to an approved garage, email your documents, or ask your broker.8
- Give the garage, broker or insurer your documents. A missing document can delay repair approval.8
- Wait for the garage estimate to be assessed. A surveyor may inspect the car.8
- The garage starts work once the insurer releases the repair order (LPO).8
- Check progress with the garage, which tells you when the car is ready.8
- Pay any policy excess at the garage when you collect the car.8
- Inspect the car and sign the discharge receipt or satisfaction note.8
- If the other driver is at fault and the estimate is over AED 5,000 (non-agency) or AED 10,000 (agency), the repair order can take up to 72 working hours from notifying the other insurer.8
Not happy with a claim? How to take a complaint to Sanadak.
About New India Assurance
- Legal name
- The New India Assurance Company Limited
- Founded
- 19194
- Type
- Conventional insurer. The CBUAE register lists it as a foreign insurance company, number 49.20
- Owner
- The Government of India holds 85.44% of the shares.12
- Listed on
- In India, on BSE (540769) and NSE (NIACL).12
- Headquarters
- Mumbai, India. UAE offices are in Abu Dhabi, Dubai and Sharjah.12
- UAE branches
- Three offices: Abu Dhabi, Dubai and Sharjah.2
- Also sells
- Medical, Property, Marine, Engineering, Miscellaneous2
- Central Bank
- Listed in the CBUAE register, September 2026, number 491
Financial strength
The company worldwide lost 1,267 crore rupees in the quarter to September 2026, and its solvency ratio fell to 1.61 times against a 1.50 minimum set by the Indian regulator.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| AM Best | B++ (Good), Financial Strength Rating, Positive14 | Parent group | 11 Dec 2025 |
| AM Best | bbb+ (Good), Long-Term Issuer Credit Rating, Positive14 | Parent group | 11 Dec 2025 |
| AM Best | aaa.IN (Exceptional), India National Scale Rating, Stable14 | Parent group | 11 Dec 2025 |
| Crisil | AAA, Corporate Credit Rating, Stable15 | Parent group | 16 Apr 2026 |
| Period | Premiums | Profit | Assets | Solvency |
|---|---|---|---|---|
| Six months to 30 September 2026, unaudited, standalone (group)25 | INR 248.04bn | -INR 15.24bn | 161% | |
| FY2025-26, year to 31 March 2026 (group)12 | INR 471.74bn | INR 13.84bn | INR 1.09tn | 184% |
| FY2024-25, year to 31 March 2025 (group)12 | INR 436.18bn | INR 9.88bn | INR 1.09tn | 191% |
Awards
News and official actions
- Official action
BSE and NSE in India issued penalties for each quarter from June 2025 to March 2026 because the board did not have the required independent directors. The company asked the exchanges to waive them.12
- New India Assurance reports 1,267 crore rupee quarterly loss
The company worldwide lost 1,267 crore rupees in the quarter to September 2026, against a 63 crore profit a year earlier, with underwriting losses in property, motor and health.16
- Lavanya R Mundayur appointed Chairman and Managing Director
The Indian Ministry of Finance named her to the post, and she previously worked in the company's Dubai office.19
- New India Assurance reports 257 crore rupee loss for the June quarter
The company linked the loss to a higher claims ratio, citing motor third party business.13
- Crisil reaffirms AAA/Stable rating
Crisil cited market position, capital and support from the Government of India.15
- AM Best changes outlook to positive
AM Best kept the B++ rating and moved the outlook from stable to positive, citing better risk management.14
Contact New India Assurance
- Phone, Abu Dhabi+971 2 6440428
- Phone, Dubai+971 4 3525563
- Phone, Sharjah+971 6 5560312
- Email, Abu Dhabiniaauh@newindia-uae.com
- Email, Dubaicustomercare@nia-dubai.com
- HoursMonday to Thursday 8am to 1pm and 2pm to 5pm. Friday 8am to 1pm and 2pm to 4pm in Abu Dhabi, 8am to 12pm in Dubai and Sharjah. Closed Saturday and Sunday.
- Head office87 M G Road, Fort, Mumbai 400 001, India
Branches (3)
| Branch | Address | Phone |
|---|---|---|
| Abu Dhabi Office | Ground Floor, Salem Saif Saqer Al Mehairbie Building, off Salam Street, beside KM Hypermarket, Tourist Club Area, Abu Dhabi. P.O. Box 46743 | +971 2 6440428 |
| Dubai Office | Rais Hassan Saadi Building, 7th Floor, Mankool Road, Dubai | +971 4 3525563 |
| Sharjah Office | Office 7, M Floor, Babel Tower, near Qanat Al Qasba, Sharjah | +971 6 5560312 |
Common questions
Is New India Assurance a UAE company?
No. The CBUAE register lists it as a foreign insurance company.20
Who owns New India Assurance?
The Government of India holds 85.44% of the shares. The company is listed in India on BSE and NSE.12
What is New India Assurance's AM Best rating?
AM Best's December 2025 release gives the whole company, not the UAE business alone, B++ (Good) with a positive outlook. The company's UAE website still shows a stable outlook.14
How do I make a car insurance claim with New India Assurance?
Take the car to an approved garage, email your documents, or ask your broker. Abu Dhabi policies use mtrclmsnia@newindia-uae.com and Dubai policies use claimregistration@nia-dubai.com.8
What documents do I need for a New India Assurance car claim?
You need the police report, Emirates ID and both sides of your registration card. The claim page asks for both sides of your driving licence, and the motor page asks for the licence of both parties.8
What is the New India Assurance roadside assistance number?
Call 600 575751 for Abu Dhabi policies or 800 247772 for Dubai policies. Your policy schedule shows if you have this cover.7
Does New India Assurance include agency repair?
Agency repair is an optional add-on to comprehensive cover.2
Sources
25
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2The New India Assurance Company Limited, Motor Insurance. Last checked 5 Nov 2026. Source document: Motor Insurance
3The New India Assurance Company Limited, Car Insurance. Last checked 5 Nov 2026. Source document: Car Insurance
4The New India Assurance Company Limited, Company Profile. Last checked 5 Nov 2026. Source document: Company Profile
5The New India Assurance Company Limited, Credit Rating. Last checked 5 Nov 2026. Source document: Credit Rating
6The New India Assurance Company Limited, Global Presence. Last checked 5 Nov 2026. Source document: Global Presence
7The New India Assurance Company Limited, Road Side Assistance. Last checked 5 Nov 2026. Source document: Road Side Assistance
8The New India Assurance Company Limited, Claim. Last checked 5 Nov 2026. Source document: Claim
9The New India Assurance Company Limited, Contact. Last checked 5 Nov 2026. Source document: Contact
10The New India Assurance Company Limited, Awards. Last checked 5 Nov 2026. Source document: Awards
11The New India Assurance Company Limited, Motor Insurance Claim Form. Last checked 5 Nov 2026. Source document: Motor Insurance Claim Form
12The New India Assurance Company Limited, Annual Report for the Financial Year 2025-26. Last checked 5 Nov 2026. Source document: Annual Report for the Financial Year 2025-26
13The New India Assurance Company Limited, Company Financials. Last checked 5 Nov 2026. Source document: Company Financials
14AM Best, AM Best Revises Outlooks to Positive for The New India Assurance Company Limited. Last checked 5 Nov 2026. Source document: AM Best Revises Outlooks to Positive for The New India Assurance Company Limited
15Crisil Ratings, The New India Assurance Company Limited: Rating Rationale, 16 April 2026. Last checked 5 Nov 2026. Source document: The New India Assurance Company Limited: Rating Rationale, 16 April 2026
16The Economic Times, New India slips into red with 1,267 cr loss in Q2. Last checked 5 Nov 2026. Source document: New India slips into red with 1,267 cr loss in Q2
17MarketScreener, The New India Assurance Company Limited Reports Earnings Results for the Second Quarter and Six Months Ended September 30, 2026. Last checked 5 Nov 2026. Source document: The New India Assurance Company Limited Reports Earnings Results for the Second Quarter and Six Months Ended September 30, 2026
18Multibagg, New India Assurance posts 1,267 crore September-quarter loss. Last checked 5 Nov 2026. Source document: New India Assurance posts 1,267 crore September-quarter loss
19MarketScreener, The New India Assurance Company Ltd. Announces Management Changes, Effective September 30, 2026. Last checked 5 Nov 2026. Source document: The New India Assurance Company Ltd. Announces Management Changes, Effective September 30, 2026
20Central Bank of the UAE, CB Register September of 2026. Last checked 5 Nov 2026. Source document: CB Register September of 2026
21The New India Assurance Company Limited, United Arab Emirates offices. Last checked 5 Nov 2026. Source document: United Arab Emirates offices
22Trustpilot, newindia-uae.com profile. Last checked 5 Nov 2026. Source document: newindia-uae.com profile
23Internet Archive, Capture of portal.newindia-uae.ae, 14 February 2026. Last checked 5 Nov 2026. Source document: Capture of portal.newindia-uae.ae, 14 February 2026
24MCapital, The New India Assurance Company share price and announcements. Last checked 5 Nov 2026. Source document: The New India Assurance Company share price and announcements
25The New India Assurance Company Limited, Revised outcome of board meeting and unaudited results for the quarter and half year ended 30 September 2026 (NSE filing). Last checked 5 Nov 2026. Source document: Revised outcome of board meeting and unaudited results for the quarter and half year ended 30 September 2026 (NSE filing)
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published