Orient Takaful
Orient Takaful is a Dubai takaful (Sharia-compliant) insurer listed on the Dubai Financial Market. Orient Insurance, part of the Al-Futtaim Group, owns 95.78% of it. It sells car, home, health and business cover, and was called Orient UNB Takaful until May 2022.
Out of 5 from 689 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 Orient Takaful
Orient Takaful averages 2.0 out of 5 across 689 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Counts come from the 48 reviews we read that are about car insurance, most from 2025 to 2026.
What customers praise
Claim handled quickly or with good staff help4 of 48
I had a smooth process regarding my car claim. Received my cheque within 10 days.
What customers complain about
Calls and emails not answered34 of 48
The customer service has been extremely disappointing, and getting someone to answer the phone seems impossible.
Long waits for approval, repair or settlement22 of 48
We are paying our car loan and we couldn't use it because of the delays from insurance.
Passed between staff or unhelpful treatment7 of 48
every time I call they transfer me from one person to another with no clear update.
Trouble renewing a car policy3 of 48
I am an existing client and have been trying to renew my car insurance for over a week.
Read the Google reviews for each office
| Office | Rating | Reviews |
|---|---|---|
| https://share.google/8enh42qEKNThNqXw6 Al Futtaim Office, Al Muraqqabat - Deira - Dubai | 2.0 | 556 |
| Al Wahda Commercial Tower, Hazza ' Bin Zayed The First St, Abu Dhabi | 2.0 | 133 |
Orient Takaful car insurance
Orient Takaful sells two personal car policies: Motor Comprehensive and Motor Third Party Takaful. It also lists Motor Fleet Takaful for businesses.
| Plan | Type | What it is |
|---|---|---|
| Motor Comprehensive | Comprehensive | Cover for your own car against accidents, theft and other damage. Extra benefits are listed as add-ons.4 |
| Motor Third Party Takaful | Third party | Third party bodily injury is unlimited. Third party property damage is limited to AED 2,000,000 per occurrence.5 |
| Motor Fleet Takaful | Other | Commercial fleet insurance.11 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Optional extra | Repairs at a dealer or agency workshop in the first 3 years of the vehicle. Listed as an add-on.4 |
| Roadside assistance | Optional extra | Listed as an add-on to Motor Comprehensive.4 |
| Natural disaster and flood cover | Optional extra | Flood, storm, hurricane, earthquake or other convulsion of nature. Listed as an add-on.4 |
| Riots and strikes | Optional extra | Listed as an add-on.4 |
| Oman cover | Optional extra | Geographical extension to the Sultanate of Oman. Listed as an add-on.4 |
| Off-road cover | Optional extra | Off-road cover for 4WDs. Listed as an add-on.4 |
| Windscreen | Optional extra | No excess on windscreen claims. Listed as an add-on.4 |
| Personal injury cover | Optional extra | Up to AED 20,000 for the insured and spouse. Listed as an add-on.4 |
More cover details (6)
| Cover | With this insurer | Details |
|---|---|---|
| Emergency medical expenses | Optional extra | Up to AED 5,000 per person after an accident. Listed as an add-on.4 |
| Personal belongings | Optional extra | Clothing and personal effects against fire and theft, up to AED 5,000. Listed as an add-on.4 |
| Taxi fare | Optional extra | Up to AED 350. Listed as an add-on.4 |
| Valet parking cover | Optional extra | Listed as an add-on.4 |
| Liability to immediate family | Optional extra | Legal liability to immediate family members. Listed as an add-on.4 |
| Cancelling a policy bought online | Depends on plan | Subject to policy terms and underwriting approval. Any refund uses short-rate or pro-rata rules and goes back through the original payment method.32 |
How to claim with Orient Takaful
- Claims phone80068535
- Roadside help80068535
- Claims emailmotorclaims@orienttakaful.ae
- Claim onlineOpen claim page
The same toll-free line handles motor claims and roadside assistance.16
Not happy with a claim? Use the Orient Takaful complaints page first. How to take a complaint to Sanadak.
About Orient Takaful
- Legal name
- Orient Takaful(PJSC)
- Founded
- 201619
- Type
- Takaful insurer. Participants pay into a shared fund that pays claims, and the company runs the fund for a fee. For 2026 the fee is 35% of gross contributions, plus 35% of any net investment profit on the fund, except where there is a special agreement.10
- Owner
- Orient Insurance PJSC holds 95.78% of the shares. Other shareholders hold 4.22%. Orient Insurance is part of the Al-Futtaim Group.18
- Listed on
- Dubai Financial Market, ticker ORIENTTKAFUL22
- Headquarters
- Al Futtaim Building, Deira, Dubai6
- UAE branches
- Head office in Dubai, with branches in Sharjah and Abu Dhabi.6
- Also sells
- Home, Health, Property, Engineering, General accident, Marine, Liability, Motor fleet2
- Previous name
- Orient UNB Takaful PJSC, until 2022-05-3121
- Central Bank
- Listed in the CBUAE register, September 2026, number 921
Financial strength
Orient Insurance guarantees the company's obligations, and the S&P rating rests on that guarantee. The participants' fund ran deficits of AED 177.9 million in 2025 and AED 137.0 million in the first half of 2026, which shareholders cover with an interest-free loan, and AED 716.0 million of accumulated deficit was written off in 2025.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| AM Best | A (Excellent) financial strength, a+ (Excellent) long-term issuer credit, Stable24 | UAE company | 8 Jul 2026 |
| S&P | A+ financial strength and issuer credit, based on the Orient Insurance guarantee, Stable25 | UAE company | 6 Nov 2025 |
| AM Best | A (Excellent) financial strength, a+ (Excellent) long-term issuer credit (parent, Orient Insurance), Stable24 | Parent group | 8 Jul 2026 |
| S&P | A+ financial strength and issuer credit (parent, Orient Insurance), Stable25 | Parent group | 6 Nov 2025 |
Recent news
- New toll-free number for motor support
Orient Takaful announced 800 68535 for motor claims and roadside assistance.16
- Parent approved a takaful window
Orient Insurance told the Dubai Financial Market its board approved setting up a takaful window. The disclosure does not mention Orient Takaful.37
- First-half 2026 profit of AED 51.1 million
Profit after tax was AED 51.1 million, against AED 30.2 million in the first half of 2025.19
- AM Best affirmed its ratings
AM Best affirmed A (Excellent) and a+ (Excellent) with a stable outlook for Orient Insurance and its subsidiaries, including Orient Takaful.24
- WhatsApp and Facebook chat closed
The company said these chat services are no longer available and pointed customers to 04 601 7500 and email.35
Contact Orient Takaful
- Phone046017500
- Toll free80068535
- Emailcustomercare@orienttakaful.ae
- HoursMonday to Friday. The website says 8:00 AM to 5:00 PM. The Google listing for the Dubai office says 8:30 AM to 5:00 PM.
- Head officeAl Futtaim Building, Deira, P.O. Box 183368, Dubai
Branches (3)
| Branch | Address | Phone |
|---|---|---|
| Head Office | Al Futtaim Building, Deira, P.O. Box 183368, Dubai | 046017500 |
| Sharjah Branch | Office 1008, Al Hind Tower, Al Khan, P.O. Box 322079, Sharjah. The Contact Us page gives 06 501 7400. The customer feedback page gives 06 501 7410. | 065017400 |
| Abu Dhabi Branch | Office 1501-1502, Al Wahda Commercial Tower, Hazza bin Zayed St., P.O. Box 38122, Abu Dhabi | 023127000 |
Common questions
What number do I call after a car accident?
Call 800 68535 for motor claims and roadside assistance. You can also report a motor claim on the online Claim Intimation page.16
Is Orient Takaful the same company as Orient Insurance?
No. Orient Takaful is a separate listed company, and Orient Insurance owns 95.78% of it.18
Is Orient Takaful the same as Orient UNB Takaful?
Yes. The company changed its name from Orient UNB Takaful to Orient Takaful with effect from 31 May 2022.21
Does Orient Insurance guarantee Orient Takaful claims?
A 2021 agreement has Orient Insurance guarantee amounts Orient Takaful legally owes policyholders and others. It applies only after a demand on Orient Takaful has gone unpaid for at least 90 days from the due date, and after any dispute over the amount has been finally settled.27
Does Orient Takaful comprehensive cover include agency repair?
Its page lists repairs at a dealer or agency workshop as an add-on, for the first 3 years of the vehicle.4
Does Orient Takaful cover flood damage?
Its Motor Comprehensive page lists flood, storm, hurricane and earthquake protection as an add-on.4
How do I renew my Orient Takaful car policy?
Email MotorRenewals@orienttakaful.ae or call 04 601 7500. In May 2026 the company said its WhatsApp chat service had ended, although its motor pages still show a WhatsApp renewals link.35
Sources
37
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Orient Takaful, Home page. Last checked 5 Nov 2026. Source document: Home page
3Orient Takaful, Motor Takaful. Last checked 5 Nov 2026. Source document: Motor Takaful
4Orient Takaful, Motor Comprehensive. Last checked 5 Nov 2026. Source document: Motor Comprehensive
5Orient Takaful, Motor Third Party Takaful. Last checked 5 Nov 2026. Source document: Motor Third Party Takaful
6Orient Takaful, Contact us. Last checked 5 Nov 2026. Source document: Contact us
7Orient Takaful, Who we are. Last checked 5 Nov 2026. Source document: Who we are
8Orient Takaful, Al Futtaim / Orient Group. Last checked 5 Nov 2026. Source document: Al Futtaim / Orient Group
9Orient Takaful, FAQ. Last checked 5 Nov 2026. Source document: FAQ
10Orient Takaful, Wakala rate announcement, financial year 2026. Last checked 5 Nov 2026. Source document: Wakala rate announcement, financial year 2026
11Orient Takaful, Motor Fleet Takaful. Last checked 5 Nov 2026. Source document: Motor Fleet Takaful
12Orient Takaful, Motor Support home page banner. Last checked 5 Nov 2026. Source document: Motor Support home page banner
13Orient Takaful, Claim Intimation portal. Last checked 5 Nov 2026. Source document: Claim Intimation portal
14Orient Takaful, Customer Feedback portal. Last checked 5 Nov 2026. Source document: Customer Feedback portal
15Orient Takaful, Online customer portal. Last checked 5 Nov 2026. Source document: Online customer portal
16Orient Takaful, Instagram, Motor support now has a new number, 29 September 2026. Last checked 5 Nov 2026. Source document: Motor support now has a new number, 29 September 2026
17Orient Takaful, Instagram, Rainfall claims notice, 21 December 2025. Last checked 5 Nov 2026. Source document: Rainfall claims notice, 21 December 2025
18Orient Takaful, Annual Report 2025. Last checked 5 Nov 2026. Source document: Annual Report 2025
19Orient Takaful, via Argaam, Interim condensed financial statements, 30 June 2026. Last checked 5 Nov 2026. Source document: Interim condensed financial statements, 30 June 2026
20Orient Takaful, Corporate Governance Report 2025. Last checked 5 Nov 2026. Source document: Corporate Governance Report 2025
21Orient Takaful, Integrated Report 2022. Last checked 5 Nov 2026. Source document: Integrated Report 2022
22Dubai Financial Market, Orient Takaful PJSC company profile. Last checked 5 Nov 2026. Source document: Orient Takaful PJSC company profile
23Dubai Financial Market, Orient Takaful PJSC financial reports. Last checked 5 Nov 2026. Source document: Orient Takaful PJSC financial reports
24AM Best, AM Best Affirms Credit Ratings of Orient Insurance PJSC and Its Main Subsidiaries. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Orient Insurance PJSC and Its Main Subsidiaries
25Orient Takaful, via Mubasher, Credit rating disclosure signed 25 August 2026. Last checked 5 Nov 2026. Source document: Credit rating disclosure signed 25 August 2026
26S&P Global Ratings, Orient Insurance And Subsidiaries Upgraded To 'A+', 25 May 2023. Last checked 5 Nov 2026. Source document: Orient Insurance And Subsidiaries Upgraded To 'A+', 25 May 2023
27Orient Takaful, Guarantee agreement with Orient Insurance, 16 March 2021. Last checked 5 Nov 2026. Source document: Guarantee agreement with Orient Insurance, 16 March 2021
28Orient Insurance, Orient Insurance completes acquisition of Orient UNB Takaful. Last checked 5 Nov 2026. Source document: Orient Insurance completes acquisition of Orient UNB Takaful
29Orient Insurance, Consolidated financial statements 2025. Last checked 5 Nov 2026. Source document: Consolidated financial statements 2025
30Orient Insurance, via Mubasher, Interim consolidated financial statements, 30 September 2026. Last checked 5 Nov 2026. Source document: Interim consolidated financial statements, 30 September 2026
31Trustpilot, orienttakaful.ae profile. Last checked 5 Nov 2026. Source document: orienttakaful.ae profile
32Orient Takaful, Terms and Conditions. Last checked 5 Nov 2026. Source document: Terms and Conditions
33Orient Takaful, Motor Claim online form. Last checked 5 Nov 2026. Source document: Motor Claim online form
34Orient Takaful, Online portal login page. Last checked 5 Nov 2026. Source document: Online portal login page
35Orient Takaful, Instagram, Important update on WhatsApp and Facebook chat, 4 May 2026. Last checked 5 Nov 2026. Source document: Important update on WhatsApp and Facebook chat, 4 May 2026
36Orient Takaful, Instagram, Post giving 800 68535 and +971 4 601 7500, 4 November 2026. Last checked 5 Nov 2026. Source document: Post giving 800 68535 and +971 4 601 7500, 4 November 2026
37Orient Insurance, via Dubai Financial Market, Results of board meeting, 25 September 2026. Last checked 5 Nov 2026. Source document: Results of board meeting, 25 September 2026
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published