RAKINSURANCE
RAKINSURANCE is the trading name of Ras Al Khaimah National Insurance Company, based in Ras Al Khaimah. It sells car, health, travel, home and life insurance to individuals and businesses. RAKBANK owns most of it and its shares trade on the Abu Dhabi Securities Exchange.
Out of 5 from 865 Google reviews across 3 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about RAKINSURANCE
RAKINSURANCE averages 3.0 out of 5 across 865 Google reviews of its UAE offices, read 5 Nov 2026. Offices range from 2.2 to 4.1. Those reviews cover everything it sells, not only car insurance.
Counts come from the 90 reviews we read that are about car insurance, most from 2024 to 2026.
What customers praise
Staff quickly sort out policies, Orange Cards and registration problems7 of 90
provided me with the orange card by email within 10 mins
Claim or repair handled well4 of 90
They repaired and fixed my vehicle perfectly and returned it within a day.
What customers complain about
Claims and repair approvals take weeks or months29 of 90
My car is stuck in garrage for 2.5 months.
Calls and emails go unanswered16 of 90
It has already been 7 days, and they are not replying to emails or WhatsApp messages.
Replacement car late, short or not paid for9 of 90
garage taking so many days for repairing and rent a car providing only 3 days
Roadside help late or missing8 of 90
it left me in the street for 1.5 hours just waiting to get a call back
Read the Google reviews for each office
RAKINSURANCE car insurance
RAKINSURANCE sells comprehensive cover (Motor Full Option) and third party liability cover for cars registered in the UAE. Its car page also lists a classic car option, and businesses with three or more vehicles can use a fleet policy.
| Plan | Type | What it is |
|---|---|---|
| Motor Full Option (Comprehensive) | Comprehensive | Own damage, third party liability up to AED 3,500,000 for property, and roadside help. The car page says private cars no more than 12 years old and worth over AED 10,000. The individual insurance page says comprehensive cover up to 15 years. Check before you buy.2 |
| Third Party Liability | Third party | Unlimited cover for death and injury to others, up to AED 2,000,000 for their property. It does not cover damage to your own car.3 |
| Classic Cars | Other | 2 |
| Motor Fleet | Other | One policy for three or more vehicles, for small and large businesses.12 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | The brochure and car page say up to 25 months from first registration, subject to no claims. The additional covers wording says up to the 3rd year from purchase from the dealer, if stated in the policy schedule, subject to no discount offering. Check your policy schedule.4 |
| Premium garage repair | Optional extra | Optional for years 3 to 5, with new for old parts. Saloon, station wagon and coupe only.4 |
| Dyna Trade repair | Optional extra | Optional in the 3rd year. Saloon, station wagon and coupe only.4 |
| Roadside assistance | Depends on plan | The brochures list it as included, 24 hours in the UAE and Oman, for vehicles up to 3 tons, run by International Motoring Club (IMC). The car page's comprehensive questions call it an optional benefit. The roadside page says anywhere in the UAE. Check your policy schedule.4 |
| Roadside response time | Depends on plan | Third party terms state 45 to 60 minutes within emirate limits, and up to 3 hours on highways or outside emirate limits where no problems exist.6 |
| Roadside help in Oman | Depends on plan | Third party terms: free for the first 100 km, to the closest garage. Further distance costs AED 3 per km. No transfer between countries.6 |
| Off-road recovery | Depends on plan | Third party terms: up to 3 times a year. Desert events and rallies are excluded.6 |
| Car registration renewal service | Depends on plan | Third party terms: once a year for one car, booked 48 hours ahead. Further runs cost AED 150. Not for commercial vehicles or motorcycles.6 |
More cover details (17)
| Cover | With this insurer | Details |
|---|---|---|
| Hire car | Optional extra | Optional for 5, 7, 10 or 15 days. Premium hire car optional for 7 or 10 days.4 |
| Personal accident, driver and passengers | Included | Included on comprehensive. The brochure also lists personal bodily injury up to AED 50,000.4 |
| Personal accident on third party | Optional extra | Optional, up to AED 200,000 each for driver and passenger.2 |
| Oman cover | Optional extra | Optional Orange Card gives third party cover in Oman. On comprehensive it also adds own damage cover in Oman. The car page says to get the Orange Card document from a branch.2 |
| GCC cover | Depends on plan | The additional covers wording gives own damage in Bahrain, Saudi Arabia and Kuwait if stated in the schedule and Orange Card is bought, for up to 30 days a trip and 90 days in 12 months. The brochure limits it to saloon, station wagon and coupe. The car page's comprehensive questions say cover is offered in the UAE. Check your policy schedule.5 |
| Off-road cover | Depends on plan | Four wheel drives only. Safari activities are excluded.5 |
| Natural perils | Depends on plan | The brochure lists it as covered where not declared a natural disaster by the authority concerned. The individual insurance page says Free Natural Calamity Cover and gives no such limit. Check your policy schedule.4 |
| Windscreen | Included | Unlimited on comprehensive. No deductible if the windscreen is the only damage, and no effect on the no-claims discount.5 |
| No-claims discount | Depends on plan | 5% on renewal with RAKINSURANCE if there were no claims.5 |
| New car replacement (Auto GAP) | Depends on plan | New model after a total loss. The brochure says first 6 months for brand new vehicles. The additional covers wording says less than 12 months from registration.5 |
| Free 13th month | Included | Listed as a comprehensive benefit.4 |
| Personal belongings | Included | Up to AED 5,000. Must be mentioned in the police report, and wear and tear is deducted.5 |
| Replacement of locks | Included | Up to AED 5,000 if keys or transmitter are lost or stolen.4 |
| Emergency medical expenses | Included | Up to AED 5,000 on comprehensive.4 |
| Ambulance | Included | Comprehensive includes National Ambulance services. Third party cover is up to AED 6,770 per person.3 |
| Valet parking theft | Included | Listed as a comprehensive benefit.4 |
| Third party premium discount | Depends on plan | The car page lists five factors: age 25 or older, licence more than 1 year old, existing motor customer without claims, car made in 1995 or later, and new customer with a no-claims certificate.2 |
Published prices
- The car page shows 600 a year for the Basic third party package. It does not say which car this applies to.2
- The car page shows 80 a month for the Standard comprehensive package and 2,000 a year for Standard plus add-ons. It does not say which car this applies to.2
Check before you buy
- Third party cover does not apply to accidents outside the UAE, or to accidents linked to natural disasters such as floods.6
- The company can claim back what it paid if the driver had no valid licence, was under the influence of alcohol or narcotics, was racing, or caused the accident on purpose.6
- The company can also claim back what it paid if the application had false information or the car was used for another purpose than stated.6
- A third party policy cannot be ended early while the vehicle licence is valid, except for cancelled licence, change of vehicle details, sale or total loss.6
- Optional personal accident cover does not apply to accidents under the influence of alcohol or drugs, and the driver rider applies from age 18 to 65.6
Policy documents
- Car Insurance Product Brochure (Comprehensive)Brochure
- Car Insurance Product Brochure (TPL)Brochure
- Motor Full Option additional covers wordingPolicy wording
- Car Insurance Terms and Conditions (TPL)Policy wording, 2016
- Product Snapshot (Comprehensive)Key facts
How to claim with RAKINSURANCE
- Claims phone800 7254
- Roadside help600 575 751
- Claims emailmotorclaims@rakinsurance.com
- Claim onlineOpen claim page
Available 24/7. Covers recovery, towing, fuel delivery and battery boost. The roadside and contact pages give 600 575 751. The car page's questions give 4101 800, which has no area code. Check your policy schedule.7
Steps
- The contact page gives the car claims line as Monday to Friday, 8:30am to 5:30pm. The car page's search description says 24/7 claims support.8
Not happy with a claim? Complain to RAKINSURANCE at complaints@rakinsurance.com first. How to take a complaint to Sanadak.
About RAKINSURANCE
- Legal name
- Ras Al Khaimah National Insurance Company P.S.C
- Founded
- Incorporated by Emiri decree dated 26 October 1976. Its website and September 2026 letterhead say 1978. Its June 2026 letterhead says 1974.18
- Type
- Conventional insurer selling both life and non-life cover11
- Owner
- National Bank of Ras Al Khaimah (RAKBANK) is the parent company. S&P put its direct stake at about 79.23% in June 2024.16
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker RAKNIC17
- Headquarters
- Ras Al Khaimah, UAE11
- UAE branches
- Five locations on its contact page: head office and Nakheel branch in Ras Al Khaimah, a Department of Traffic and Licensing location in Ras Al Khaimah, and offices in Dubai and Abu Dhabi8
- Also sells
- Health, Travel, Home, Life14
- Central Bank
- Listed in the CBUAE register, September 2026, number 71
Financial strength
It lost AED 35.5 million in 2022 and has made a profit every year since. Shareholders approved no dividend for 2024 or 2025.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| S&P Global Ratings | BBB+, Stable15 | UAE company | 17 Nov 2025 |
Recent news
- Nine-month profit rises to AED 49.2 million
Profit after tax for the nine months to 30 September 2026 was AED 49.2 million, against AED 31.4 million a year earlier.23
- First-half profit reaches AED 28.6 million
Profit after tax for the six months to 30 June 2026 was AED 28.6 million, against AED 24.1 million a year earlier.20
- Shareholders approve no dividend for 2025
The general assembly approved not paying a dividend for 2025.18
- S&P affirms BBB+ rating with stable outlook
S&P had revised the outlook to stable from negative on 26 November 2024.15
Contact RAKINSURANCE
- Phone800 7254
- Emailinfo@rakinsurance.com
- HoursMonday to Friday, 8:30am to 5:30pm
- Head office6th Floor, RAKBANK Headquarters (HQ), Al Jazeera, Sheikh Saqr Bin Mohammad Al Qasimi R/18, Ras Al Khaimah, UAE. Its company profile page says RAKBANK Building on Sheikh Mohammed Bin Zayed Road. Its directors' reports say RAK Bank ROC Office, Al Riffa.
Branches (5)
| Branch | Address | Phone |
|---|---|---|
| Head Office | 6th Floor, RAKBANK Headquarters (HQ), Al Jazeera, Sheikh Saqr Bin Mohammad Al Qasimi R/18, Ras Al Khaimah, UAE | |
| Nakheel Branch | Al Jazaa Street, Al Nakheel, Ras Al Khaimah, UAE | |
| Dept. of Traffic & License | Sheikh Muhammad Bin Salem Road, PO Box 506, Ras Al Khaimah, UAE | |
| Dubai | 4th Floor, 405, Sultan Business Center Building, Oud Metha, Next to Lamcy Plaza, Dubai, UAE | |
| Abu Dhabi | 2nd Floor, Office 204, Same Building of Wendys / Hassan Al Fardan Tower, Opposite to EMAX, Hamdan St., Abu Dhabi, UAE |
Common questions
Who owns RAK Insurance?
National Bank of Ras Al Khaimah (RAKBANK) is its parent company. Its shares also trade on the Abu Dhabi Securities Exchange under the ticker RAKNIC.18
How do I make a car claim with RAK Insurance?
Register through the online customer portal with the police report, call 800 7254, or email motorclaims@rakinsurance.com.2
What is the RAK Insurance roadside assistance number?
The roadside and contact pages give 600 575 751, available 24/7, through International Motoring Club. The car page's questions give 4101 800, which has no area code, so check your policy schedule.7
Does RAK Insurance cover agency repair?
The brochure lists agency repair up to 25 months from first registration, subject to no claims. The additional covers wording says up to the 3rd year from purchase from the dealer, so check your policy schedule.4
Can I get comprehensive cover on an old car with RAK Insurance?
The car page says the vehicle should be no more than 12 years old and worth over AED 10,000. The individual insurance page says comprehensive cover up to 15 years.2
Does RAK Insurance cover me in Oman?
The car page says the optional Orange Card is required to drive from the UAE to Oman and gives third party cover there. On comprehensive it also adds own damage cover in Oman.2
How do I complain about RAK Insurance?
Call 800 7254 or email complaints@rakinsurance.com. If you are not happy with the outcome you can go to Sanadak on 800 7262325.9
Sources
24
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2RAKINSURANCE, Car Insurance page. Last checked 5 Nov 2026. Source document: Car Insurance page
3RAKINSURANCE, Motor Third Party package snapshot. Last checked 5 Nov 2026. Source document: Motor Third Party package snapshot
4RAKINSURANCE, Motor Full Option (Comprehensive) brochure. Last checked 5 Nov 2026. Source document: Motor Full Option (Comprehensive) brochure
5RAKINSURANCE, Additional Covers for RAK Motor Full Option. Last checked 5 Nov 2026. Source document: Additional Covers for RAK Motor Full Option
6RAKINSURANCE, Motor Policy Third Party Liability Terms and Conditions. Last checked 5 Nov 2026. Source document: Motor Policy Third Party Liability Terms and Conditions
7RAKINSURANCE, Roadside Assistance page. Last checked 5 Nov 2026. Source document: Roadside Assistance page
8RAKINSURANCE, Contact us page. Last checked 5 Nov 2026. Source document: Contact us page
9RAKINSURANCE, Complaints page. Last checked 5 Nov 2026. Source document: Complaints page
10RAKINSURANCE, File a Claim page. Last checked 5 Nov 2026. Source document: File a Claim page
11RAKINSURANCE, Company profile page. Last checked 5 Nov 2026. Source document: Company profile page
12RAKINSURANCE, Fleet Insurance page. Last checked 5 Nov 2026. Source document: Fleet Insurance page
13RAKINSURANCE, Online motor insurance journey. Last checked 5 Nov 2026. Source document: Online motor insurance journey
14RAKINSURANCE, Individual insurance page. Last checked 5 Nov 2026. Source document: Individual insurance page
15S&P Global Ratings, Research Update: Ras Al-Khaimah National Ins Co. 'BBB+' Rating Affirmed On Improved Operating Performance; Outlook Stable. Last checked 5 Nov 2026. Source document: Research Update: Ras Al-Khaimah National Ins Co. 'BBB+' Rating Affirmed On Improved Operating Performance; Outlook Stable
16S&P Global Ratings, Ras-Al Khaimah National Insurance Co. 'BBB+' Rating Affirmed After Revised Capital Model Criteria; Outlook Negative. Last checked 5 Nov 2026. Source document: Ras-Al Khaimah National Insurance Co. 'BBB+' Rating Affirmed After Revised Capital Model Criteria; Outlook Negative
17Abu Dhabi Securities Exchange, RAKNIC company financial reports page. Last checked 5 Nov 2026. Source document: RAKNIC company financial reports page
18Ras Al Khaimah National Insurance Company, via ADX, Condensed interim financial information, 30 September 2026. Last checked 5 Nov 2026. Source document: Condensed interim financial information, 30 September 2026
19Ras Al Khaimah National Insurance Company, via ADX, Condensed interim financial information, 30 June 2025. Last checked 5 Nov 2026. Source document: Condensed interim financial information, 30 June 2025
20Ras Al Khaimah National Insurance Company, via Argaam, Directors' report, six months to 30 June 2026. Last checked 5 Nov 2026. Source document: Directors' report, six months to 30 June 2026
21Argaam, Ras Al Khaimah National Insurance company overview and announcements. Last checked 5 Nov 2026. Source document: Ras Al Khaimah National Insurance company overview and announcements
22Ras Al Khaimah National Insurance Company, via Mubasher, Directors' report, period ended 30 June 2021. Last checked 5 Nov 2026. Source document: Directors' report, period ended 30 June 2021
23Ras Al Khaimah National Insurance Company, via ADX, Directors' report, nine months to 30 September 2026. Last checked 5 Nov 2026. Source document: Directors' report, nine months to 30 September 2026
24S&P Global Ratings, Ras Al-Khaimah National Ins. Co. Outlook To Stable On Improved Operating Performance; 'BBB+' Ratings Affirmed. Last checked 5 Nov 2026. Source document: Ras Al-Khaimah National Ins. Co. Outlook To Stable On Improved Operating Performance; 'BBB+' Ratings Affirmed
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published