QIC
QIC is the UAE branch of Qatar Insurance Company, a listed insurer founded in Qatar in 1964. It has worked in the UAE since 1968 and has offices in Dubai and Abu Dhabi. It sells car, medical, travel, home and business insurance.
Out of 5 from 1,822 Google reviews across 2 offices
- App Store4.915 ratings
- Google Play4.41,755 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about QIC
QIC averages 2.2 out of 5 across 1,822 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Counts come from the 150 reviews we read that are about car insurance, most from 2024 to 2026.
What customers praise
Easy to buy or renew online7 of 150
Bought it online, very easy to use their websites!
Roadside help came quickly5 of 150
Their roadside assistance team came quickly, and everything was handled smoothly.
Accident claim handled smoothly13 of 150
I filled online application, called for follow up and everything was smooth.
Helpful staff13 of 150
the staff was very helpful and friendly especially the lady on the reception
What customers complain about
Hard to reach by phone, email or WhatsApp50 of 150
The customer support for claims is impossible to reach.
Slow claim approval and repairs37 of 150
20 days Car in Garage no Approvals No follow up calls after sending reminders every day.
Poor garages or no choice of garage21 of 150
if you have an accident, they treat you however they want and put your car in whichever garage they choose.
Refunds and payouts late or lower than expected17 of 150
the repair cost was around AED 3,000, but the insurance company only approved around AED 600
Read the Google reviews for each office
QIC car insurance
QIC sells comprehensive and third party car insurance in the UAE. Its two comprehensive plans are Prestige Plus Agency and Prestige Plus Non-Agency, and the difference is where your car is repaired.
| Plan | Type | What it is |
|---|---|---|
| Prestige Plus (Agency) | Comprehensive | Agency repair for 2 years from first registration as brand new. Other benefits match the non-agency plan.5 |
| Prestige Plus (Non-Agency) | Comprehensive | Repairs at QIC approved garages. The key fact document gives a third party property limit of AED 3,500,000. The policy wording gives AED 2,000,000. Check your policy schedule.5 |
| Third Party Liability | Third party | Third party property damage up to AED 2,000,000. Third party death or injury unlimited. Does not cover your own car.2 |
| Motorcycle | Other | Agency repair for 2 years from first registration, natural perils and personal accident benefit.5 |
| Fleets & Vehicles | Other | One policy for several business vehicles, with comprehensive or third party cover for each vehicle.38 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | Prestige Plus Agency only, for 2 years from first registration as brand new. Applies to GCC specification cars. Other cars go to QIC approved garages.3 |
| Garage repair | Included | Without agency cover, QIC selects one of its approved garages. Call 800 4742 for panel garage details.5 |
| Roadside assistance | Depends on plan | Run by AAA. The key fact document says comprehensive plans include Gold and Platinum costs AED 50 more. The flyer says Prestige Plus Agency has Platinum. Third party and motorcycle policies show Bronze, and an additional premium may apply. Bronze covers the UAE only. Silver and above also cover the GCC.5 |
| Replacement car | Depends on plan | If stated in your schedule. Up to 10 calendar days per policy year, at-fault claims only, not for theft. Standard saloon, 1.2 to 1.6 litre, UAE use only. QIC may instead offer AED 450 cash.3 |
| Personal accident cover | Depends on plan | AED 200,000 for any licensed driver and for passengers on all plans. The passenger benefit in the policy wording covers employees of the insured. The key fact document says an additional premium may apply.5 |
| Emergency medical expenses | Included | Up to AED 3,500 per person per accident on comprehensive and motorcycle plans, for the driver and any occupant employed by the insured.5 |
| Oman cover | Depends on plan | The key fact document says own damage and third party cover on comprehensive plans run from the day you ask QIC until policy expiry, with an Orange Card, and an additional premium may apply. The policy wording extends own damage to Oman for private vehicles, and says to ask for third party cover before 4 pm in working hours. On third party policies it costs AED 150.5 |
| Qatar cover | Optional extra | Extends comprehensive cover to Qatar for private vehicles for an additional premium. Ask before 4 pm in working hours for an Orange Card.3 |
More cover details (14)
| Cover | With this insurer | Details |
|---|---|---|
| GCC cover | Depends on plan | The wording lists territory extensions for Oman and Qatar only. Roadside assistance at Silver level and above covers the UAE and GCC.3 |
| Off-road cover | Depends on plan | Comprehensive plans, private 4x4 and all-wheel drive vehicles only. You pay double the standard excess on an off-road claim. Dune bashing is not covered.3 |
| Natural disaster and flood cover | Depends on plan | The key fact document lists natural perils as covered on comprehensive and motorcycle plans. The standard policy wording excludes natural disasters such as floods. Check your schedule.5 |
| Riot, strike and civil commotion | Depends on plan | Listed as covered on comprehensive and motorcycle plans. Check that it is shown in your schedule.5 |
| Windscreen | Depends on plan | Front and rear windscreen, windows and glass sunroof. No excess on a glass-only claim up to AED 5,000. Above that, the policy excess applies.3 |
| No-claims discount | Depends on plan | QIC offers a discount at renewal if the car has had no accidents.11 |
| New car replacement | Depends on plan | After a total loss within the period in your schedule from first registration, QIC replaces the car with the same model, subject to availability, or pays the insured value, whichever is lower. No depreciation applies.3 |
| Excess or deductible | Depends on plan | The amount is in your schedule. The wording caps it for private cars with up to 9 passengers at AED 350 (value to AED 50,000), AED 700 (to AED 100,000), AED 1,000 (to AED 250,000), AED 1,200 (above AED 250,000) and AED 1,400 (above AED 500,000).3 |
| Young driver terms | Depends on plan | If a driver under 25 causes an accident, QIC may charge an extra deductible of up to 10% of the compensation. Sports and modified cars can face up to 15%, and cars modified outside the factory up to 20%.3 |
| Claims line hours | Included | The key fact document says the claims contact centre is open 8 am to 8 pm, Monday to Saturday. The ae.qic.online site says QIC is ready to help 24/7 on 800 4742.5 |
| Personal belongings | Depends on plan | Up to AED 5,000 if listed in your schedule. Excludes cash and jewellery, and laptops left unattended.3 |
| Valet parking and garage cover | Depends on plan | Covers your car in the care of a hotel, restaurant or garage. You must hand it to an authorised person and file a case against the business. Standard excess applies.3 |
| Replacement locks | Depends on plan | If listed in your schedule. Covers replacing door, boot and ignition locks and the lock transmitter if keys are lost or stolen. A police report is needed.3 |
| Total loss | Depends on plan | A car is a total loss if repair costs exceed 50% of its value before the accident. Compensation is based on the insured value less a 20% depreciation percentage, adjusted for time elapsed in the policy period.3 |
Published prices
- Platinum roadside assistance on comprehensive plans: AED 50 extra, in the key fact document. The flyer lists Platinum on Prestige Plus Agency.5
- Oman third party extension on third party and motorcycle policies: AED 150.5
- QIC's FAQ page says to get a quote today and get a 10% discount on car insurance.11
Check before you buy
- QIC does not sell comprehensive cover for cars older than 7 years.11
- Dune bashing counts as reckless driving and is not covered by any policy.11
- No cover if the driver is unlicensed for that vehicle, or under the influence of alcohol or drugs, or if the car is used for racing.3
- Tyre damage is excluded unless the car was damaged at the same time.3
- No cover outside the policy territory unless a rider extends it.3
- Third party cover does not pay for damage to your own car. If you are not at fault, claim from the other driver's insurer.18
- Insurance cannot be transferred to a new owner when you sell the car.11
Policy documents
- Motor Comprehensive Policy WordingPolicy wording, 2026
- Motor Third Party Policy WordingPolicy wording, 2026
- Motor Insurance Key Fact DocumentKey facts, 2026
- Personal Motor FlyerBrochure, 2026
How to claim with QIC
- Claims phone800 4742
- Roadside help600 50 8181
- Claims emailmotorclaims@qicuae.com
- Claim onlineOpen claim page
Towing, battery boost, fuel delivery and flat tyre help. You pay for the fuel. What you get depends on your Bronze to Platinum Plus level.5
Steps
- After a minor accident, move your car off the driving lane to a safe spot.5
- Report it through the police mobile app for your emirate. If anyone is hurt, call the police on 999.5
- Get a police report. QIC requires one for every motor claim.5
- Register the claim online, by email to motorclaims@qicuae.com, or through the contact centre on 800 4742.5
- Wait for the claim registration slip, which names your repairer.5
- Drop your car at that repairer. If it cannot be driven, call AAA on 600 50 8181 for recovery.5
- QIC's loss assessor inspects the car and approves repairs once the garage or agency sends an estimate.5
- QIC says it aims to approve repairs on the spot, but multiple or major damage or a court referral can cause delays.5
- If repair costs exceed AED 5,000, the third party's insurer takes three working days to inspect the car and agree the cost.11
- Complaints are acknowledged within 2 working days. QIC aims to give an outcome within 7 working days, or up to 21 for complex cases.10
Not happy with a claim? Complain to QIC at complaints.uae@qicuae.com first. How to take a complaint to Sanadak.
About QIC
- Legal name
- Qatar Insurance Co
- Founded
- 1964 in Qatar. UAE operations since 1968.13
- Type
- Conventional insurer.36
- Owner
- QIC UAE is a branch of Qatar Insurance Company Q.S.P.C., a listed Qatari company. Its shareholders include the Government of Qatar (15%) and the Qatar royal family (9%).22
- Listed on
- Parent company listed on the Qatar Stock Exchange, ticker QATI.23
- Headquarters
- UAE office: Dubai Hills, Dubai. Group head office: Tamin Street, West Bay, Doha, Qatar.14
- UAE branches
- Two offices: Dubai and Abu Dhabi.9
- Also sells
- Medical, Travel, Home, Pet, Cyber, Yacht, Business2
- Central Bank
- Listed in the CBUAE register, September 2026, number 381
Financial strength
Group net profit for the first nine months of 2026 fell 4.3% to QAR 562 million after claims linked to the regional conflict. QIC says the impact was mainly in its international specialty business.
Awards
News and official actions
- Official action
The Abu Dhabi Department of Health fined QIC UAE AED 110,000 over record-keeping on medical insurance policies at its Abu Dhabi office. QIC says the branch has improved its documentation.27
- Official action
Qatar Central Bank fined the parent company QAR 500,000 for not meeting conditions attached to a board member's appointment.27
- Official action
Qatar Central Bank fined the parent company QAR 100,000 over quarterly reconciliations with insurers and reinsurers.27
- QIC Group reports QAR 562 million net profit for nine months of 2026
Profit fell 4.3% while gross written premium rose 9% to QAR 8.5 billion. These are group figures.23
- QIC UAE adopts Wtheeq for motor policy issuance
SlashData says QIC will use its Wtheeq platform, delivered with Abu Dhabi Police and the Integrated Transport Centre, across its motor insurance operations.29
- S&P affirms QIC at A- with a stable outlook
S&P said it was too early to assess the impact of the regional conflict on QIC's business.20
- QIC Group reports QAR 806 million net profit for 2025
Net profit rose 10% and gross written premiums grew 9% to QAR 9.9 billion. These are group figures.24
- AM Best affirms QIC at A- with a stable outlook
The rating covers Qatar Insurance Company Q.S.P.C. and its subsidiary Antares Re.21
Contact QIC
- Phone+971 4 222 4045
- Toll free800 4742
- Emailassist@qicuae.com
- HoursOffices: the branch locator says Monday to Friday, 8 am to 5 pm. The Customer Care page says 8 am to 4:30 pm. Sales contact centre: Monday to Friday 8 am to 6 pm, Saturday 8 am to 2 pm. Claims contact centre: Monday to Saturday, 8 am to 8 pm. The ae.qic.online site says 24/7.
- Head officeDubai Hills Business Park Building 4, 5th floor, next to Dubai Hills Mall, Al Khail Road, Dubai
Branches (2)
| Branch | Address | Phone |
|---|---|---|
| QIC Dubai | Dubai Hills Business Park Building 4, 5th floor, next to Dubai Hills Mall, Al Khail Road, Dubai. The Locations page on qicuae.com gives Office 210, Al Dana Centre, Al Maktoum Road, Deira. | 800 4742 |
| QIC Abu Dhabi | The Landmark, 13th Floor, 116 Khadim Bin Butti Al Hamed Street, Al Hisn, Al Markaziyah West, Abu Dhabi. The policy wording and ae.qic.online give Al Manara Building, Muroor Road. | 800 4742 |
Common questions
Is QIC a UAE company?
QIC UAE is a branch of Qatar Insurance Company, which is based in Doha. The Central Bank of the UAE register for September 2026 lists Qatar Insurance Co as a foreign insurance company.32
Does the A- rating apply to QIC in the UAE?
S&P and AM Best rate the parent, Qatar Insurance Company, and QIC UAE is a branch of it. QIC UAE's About page says A, but both agencies' 2026 releases say A-.12
How do I make a car insurance claim with QIC?
Get a police report, then register online, email motorclaims@qicuae.com or call 800 4742. You need the report, your licence, registration card and Emirates ID.5
What is the QIC roadside assistance number?
Call AAA on 600 50 8181. QIC uses AAA for roadside help and recovery.5
Does QIC car insurance cover Oman?
Comprehensive plans can extend to Oman with an Orange Card. Ask QIC before 4 pm in working hours, and on third party policies it costs AED 150.5
How long does QIC give agency repair?
On Prestige Plus Agency, for 2 years from first registration as brand new. It applies to GCC specification cars.3
How do I complain about QIC?
Email complaints.uae@qicuae.com or use the complaint form. If you are not satisfied, you can go to Sanadak on 800 72 623 25.10
Sources
38
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2QIC UAE, Car Insurance. Last checked 5 Nov 2026. Source document: Car Insurance
3QIC UAE, Motor Comprehensive Policy Wording 2026. Last checked 5 Nov 2026. Source document: Motor Comprehensive Policy Wording 2026
4QIC UAE, Motor Third Party Policy Wording. Last checked 5 Nov 2026. Source document: Motor Third Party Policy Wording
5QIC UAE, Motor Insurance Key Fact Document. Last checked 5 Nov 2026. Source document: Motor Insurance Key Fact Document
6QIC UAE, Personal Motor Flyer. Last checked 5 Nov 2026. Source document: Personal Motor Flyer
7QIC UAE, Claims. Last checked 5 Nov 2026. Source document: Claims
8QIC UAE, Customer Care. Last checked 5 Nov 2026. Source document: Customer Care
9QIC UAE, Branch Locator. Last checked 5 Nov 2026. Source document: Branch Locator
10QIC UAE, Complaint Form. Last checked 5 Nov 2026. Source document: Complaint Form
11QIC UAE, FAQs. Last checked 5 Nov 2026. Source document: FAQs
12QIC UAE, About. Last checked 5 Nov 2026. Source document: About
13QIC UAE, Welcome to Qatar Insurance Company - UAE. Last checked 5 Nov 2026. Source document: Welcome to Qatar Insurance Company - UAE
14QIC UAE, Head Office. Last checked 5 Nov 2026. Source document: Head Office
15QIC, Online insurance in UAE (car insurance portal). Last checked 5 Nov 2026. Source document: Online insurance in UAE (car insurance portal)
16QIC, Compare, Buy or Renew Car Insurance. Last checked 5 Nov 2026. Source document: Compare, Buy or Renew Car Insurance
17QIC, Register Your Motor Claim Online. Last checked 5 Nov 2026. Source document: Register Your Motor Claim Online
18QIC, Insurance FAQs. Last checked 5 Nov 2026. Source document: Insurance FAQs
19QIC, Contact. Last checked 5 Nov 2026. Source document: Contact
20S&P Global Ratings, Research Update: Qatar Insurance Co. 'A-' Ratings Affirmed; Outlook Stable. Last checked 5 Nov 2026. Source document: Research Update: Qatar Insurance Co. 'A-' Ratings Affirmed; Outlook Stable
21AM Best, AM Best Affirms Credit Ratings of Qatar Insurance Company Q.S.P.C. and Its Subsidiary. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Qatar Insurance Company Q.S.P.C. and Its Subsidiary
22AM Best, Best's Credit Report, Qatar Insurance Company. Last checked 5 Nov 2026. Source document: Best's Credit Report, Qatar Insurance Company
23QIC Group, Earnings Release 9M 2026. Last checked 5 Nov 2026. Source document: Earnings Release 9M 2026
24QIC Group, QIC reports a Net Profit Before Pillar II Tax of QAR 874 million for the year 2025. Last checked 5 Nov 2026. Source document: QIC reports a Net Profit Before Pillar II Tax of QAR 874 million for the year 2025
25QIC Group, Investor Presentation Q3 2026. Last checked 5 Nov 2026. Source document: Investor Presentation Q3 2026
26QIC Group, Financial Results Q3 2026. Last checked 5 Nov 2026. Source document: Financial Results Q3 2026
27QIC Group, Annual Report 2025. Last checked 5 Nov 2026. Source document: Annual Report 2025
28QIC UAE, Press Releases. Last checked 5 Nov 2026. Source document: Press Releases
29SlashData, SlashData Partners with Qatar Insurance to Advance Digital Insurance Services Through Wtheeq. Last checked 5 Nov 2026. Source document: SlashData Partners with Qatar Insurance to Advance Digital Insurance Services Through Wtheeq
30Atlas Magazine, Prasad Aniyil, new CEO of QIC UAE. Last checked 5 Nov 2026. Source document: Prasad Aniyil, new CEO of QIC UAE
31BADRI Management Consultancy, UAE Insurance Industry (Including Foreign Branches) Performance Analysis, Year End 2024. Last checked 5 Nov 2026. Source document: UAE Insurance Industry (Including Foreign Branches) Performance Analysis, Year End 2024
32Central Bank of the UAE, CB Register September of 2026. Last checked 5 Nov 2026. Source document: CB Register September of 2026
33Apple App Store (UAE storefront), QIC: Insurance, Market, Travel. Last checked 5 Nov 2026. Source document: QIC: Insurance, Market, Travel
34Google Play (UAE storefront), QIC: Insurance & Health. Last checked 5 Nov 2026. Source document: QIC: Insurance & Health
35Trustpilot, Qicuae. Last checked 5 Nov 2026. Source document: Qicuae
36eSanad, QIC UAE Insurance and Claims Guide. Last checked 5 Nov 2026. Source document: QIC UAE Insurance and Claims Guide
37QIC UAE, Locations. Last checked 5 Nov 2026. Source document: Locations
38QIC UAE, Fleets & Vehicles Insurance. Last checked 5 Nov 2026. Source document: Fleets & Vehicles Insurance
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published