Salama
Salama is the brand of Islamic Arab Insurance Company, a takaful (Islamic insurance) company based in Dubai and listed on the Dubai Financial Market. Its largest shareholders are Humana Holding Limited and Eshraq Investments. It sells car, health, life, home and travel cover in the UAE, and owns insurance companies in Algeria and Egypt.
Out of 5 from 2,505 Google reviews across 4 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Salama
Salama averages 3.5 out of 5 across 2,505 Google reviews of its UAE offices, read 5 Nov 2026. Offices range from 2.4 to 3.9. Those reviews cover everything it sells, not only car insurance.
Counts come from the 54 reviews we read that are about car insurance, most from 2023 to 2026.
What customers praise
Repairs and garage work20 of 54
They took care of the repair and made the whole process easy for me.
Claims staff who follow the case through9 of 54
He was responsive, professional, and genuinely supportive during the most difficult circumstances.
Quick claims handling4 of 54
Their motor claim service is very quick and easy going
What customers complain about
Replacement car not provided or late5 of 54
requested them a car rental while my car is being fixed which is covered on my insurance however they just keep saying it will come.
Slow approval and repair4 of 54
40days no approval for minar damage shame on such company
Hard to reach, with repeated chasing4 of 54
The worst they are not answering and I did my car insurance with them and I regret it
Refunds and payouts take months4 of 54
Now following for my refund for 2 months, no one take caring, not replying my emails, Worst service
Read the Google reviews for each office
Salama car insurance
Salama sells two personal car plans, Third Party Liability and Comprehensive. It also covers company fleets.
| Plan | Type | What it is |
|---|---|---|
| Comprehensive | Comprehensive | Covers loss of or damage to your own car, third party liability up to AED 3.5 million for property damage, and personal accident cover for the driver and passengers.8 |
| Third Party Liability | Third party | Covers injury to others and, up to AED 2 million, damage to their property. Includes personal accident cover. It does not cover your own car.8 |
| Corporate Auto Takaful | Other | Third party liability fleet, comprehensive fleet and vehicle export cover, by quote through the contact page.7 |
| Cover | With this insurer | Details |
|---|---|---|
| Garage network | Included | Salama's 2026 workshop list has 17 garage entries across the emirates.9 |
| Agency repair | Depends on plan | Policybazaar says agency or non-agency repair depends on the policy terms and the car.18 |
| Roadside assistance | Included | 24 hours, included in Comprehensive. Covers battery boost, flat tyre, recovery, off-road assistance, fuel delivery and car registration.8 |
| Roadside assistance on Third Party | Optional extra | AED 20 excluding VAT.8 |
| Replacement car | Optional extra | Comprehensive only. Hire car for 10 days at AED 130 excluding VAT. The licence must be six months old and the insured must be over 21.8 |
| Personal accident cover, driver | Included | Up to AED 200,000, as per the policy clause, on both plans.8 |
| Personal accident cover, passengers | Included | Up to AED 200,000 on both plans.8 |
| Ambulance service | Included | Up to AED 6,770 on both plans.8 |
More cover details (12)
| Cover | With this insurer | Details |
|---|---|---|
| Oman cover, own damage | Included | Included in Comprehensive.8 |
| Oman third party cover | Optional extra | Orange Card on Comprehensive, AED 115 to AED 450 excluding VAT, for one week to 360 days.8 |
| Off-road cover | Optional extra | Comprehensive only, for 4x4 SUVs. AED 1,000 excluding VAT, as per tariff.8 |
| Natural disaster and flood | Depends on plan | The January 2025 brochure says Comprehensive covers natural calamities up to the sum insured, provided the car is not driven in flooded areas. The archived policy form excludes natural disasters such as floods. Check your policy schedule.8 |
| Windscreen | Depends on plan | Comprehensive covers windscreen damage up to AED 2,500, subject to a police report.8 |
| Emergency medical expenses | Depends on plan | Comprehensive, up to AED 2,000, as per the police report.8 |
| Lock replacement | Depends on plan | Comprehensive, up to AED 1,000, as per the police report.8 |
| Child car seat replacement | Depends on plan | Comprehensive, up to AED 1,000, as per the police report.8 |
| No-claims discount | Depends on plan | Policybazaar says 10% after one claim-free year, 15% after two and 20% from the third year.18 |
| Excess | Depends on plan | The archived policy form sets a maximum per accident for private cars, from AED 350 for cars worth up to AED 50,000 to AED 1,400 for cars above AED 500,000. It applies when you or your driver caused the accident, or the cause is unknown.20 |
| Young driver terms | Depends on plan | The archived policy form allows an extra excess of up to 10% of the claim if the driver is under 25.20 |
| Advance start date | Included | A policy can be bought up to 30 days before it starts. Registration can only be renewed once the new policy has started.2 |
Published prices
- Add-on prices excluding VAT: roadside assistance on Third Party AED 20, 10-day hire car AED 130, Oman Orange Card AED 115 to AED 450, 4x4 off-road cover AED 1,000.8
Check before you buy
- The January 2025 brochure says natural calamity cover does not apply if the car is driven in flooded areas.8
- The archived policy form excludes accidents linked to natural disasters such as floods, tornados and earthquakes. The January 2025 brochure lists natural calamities as covered on Comprehensive. Check your policy schedule.20
- The archived policy form excludes damage while the driver is unlicensed, or under the influence of alcohol or drugs.20
- The archived policy form excludes damage outside the covered territory unless a rider extends it.20
- Under the archived policy form, a car is a total loss if repairs exceed 50% of its value. A 20% depreciation deduction applies, taking account of how much of the policy period has passed.20
Policy documents
- Auto Takaful brochureBrochure, 2025
- Motor claim form, simple accidentClaim form, 2026
- Motor workshop list 2026Garage list, 2026
How to claim with Salama
- Claims phone800725262
- Roadside help600575751
- Claims emailcustomer.support@salama.ae
- Claim onlineOpen claim page
The January 2025 brochure gives 600 575 751 for 24x7 roadside assistance. The Auto Takaful page tells drivers who break down in the UAE to call 800 725262.8
Steps
Not happy with a claim? Complain to Salama at complaints@salama.ae first. How to take a complaint to Sanadak.
About Salama
- Legal name
- ISLAMIC ARAB INSURANCE COMPANY 'SALAMA'
- Founded
- 197911
- Type
- Takaful insurer. Takaful is Islamic insurance: customers pay into a shared pool, and losses are shared across that pool.5
- Owner
- A listed company. The Dubai Financial Market shows Humana Holding Limited with 26.00%, Eshraq Investments PJSC with 24.23% and Goldilocks Investment Holding 1 Limited with 5.77% on 5 November 2026.22
- Listed on
- Dubai Financial Market, ticker SALAMA, listed 16 September 200511
- Headquarters
- Spectrum Building, Oud Metha, Dubai3
- UAE branches
- Three branches listed on its site: Dubai head office, Abu Dhabi and Sharjah3
- Also sells
- Health, Life, Savings and investments, Home, Travel, Corporate cover2
- Central Bank
- Listed in the CBUAE register, September 2026, number 171
Financial strength
Salama was below the required UAE solvency level at the end of 2024 and 2025. It cut its share capital and raised AED 155 million in 2026, and reported a solvency ratio of 154% at 30 June 2026.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| S&P Global Ratings | BBB-, Developing10 | UAE company | 24 Apr 2026 |
Awards
- Salama says it won Best General Takaful Provider UAE from Global Banking & Finance Review, 202516
- Salama says it won Best Takaful Provider from MEA Finance Awards, 202516
- Salama says it won Best Takaful Provider UAE from International Business Magazine Awards, 202516
- Salama says it won Most Trusted Islamic Insurance Brand from Global Brands Magazine Awards, 202516
News and official actions
- Official action
The Department of Health, Abu Dhabi issued a violation of AED 100,000 over health insurance rules, particularly claims management or dealings with healthcare providers. Salama's 2025 governance report says it was fully settled. Its 2025 accounts show fees and penalties paid of AED 2 thousand.16
- Official action
The Department of Health, Abu Dhabi issued violation VIO-2025-057 of AED 10,000 over contracts with healthcare providers. Salama's 2025 governance report says it was fully settled. Its 2025 accounts show fees and penalties paid of AED 2 thousand.16
- Nine-month profit reaches AED 50.7 million
The board approved accounts to 30 September 2026 showing group profit of AED 50.7 million, against AED 11.1 million a year earlier.14
- Half-year profit of AED 28.3 million
Salama reported a solvency ratio of 154% at 30 June 2026.19
- New chairman elected
Humaid Mohammad Obaid Alqutami was elected chairman at a board meeting on 2 July 2026.15
- Capital restructuring completed
AED 155 million of convertible sukuk bought by Eshraq Investments and Humana Holding became new shares, alongside a capital reduction of about AED 456 million.13
- S&P affirms BBB- rating
S&P kept the rating at BBB- with a developing outlook, which means it could go up or down over the next two years.10
Contact Salama
- Phone043577000
- Toll free800725262
- Emailinfo@salama.ae
- HoursCustomer service 9am to 6pm, Monday to Friday
- Head office4th Floor, Block A, Spectrum Building, Oud Metha, Sheikh Rashid Road, P.O. Box 10214, Dubai
Branches (3)
| Branch | Address | Phone |
|---|---|---|
| Head office, claims department and customer service centre | 4th Floor, Block A, Spectrum Building, Oud Metha, Sheikh Rashid Road, Dubai | |
| Abu Dhabi branch | Office 101, First Floor, Makeen Tower, Tourism Club Area, Al Zahiya, Abu Dhabi | |
| Sharjah branch | 2nd Floor, Mega Mall, next to du office, Sharjah |
Common questions
What is Salama's credit rating?
S&P rates it BBB- with a developing outlook, affirmed on 24 April 2026. S&P says a capital raise in early 2026 resolved a solvency deficit from the end of 2025.10
What is the difference between agency and non-agency repair at Salama?
Agency repair is at the manufacturer's authorised workshop. Non-agency repair is at a Salama authorised garage.2
What number do I call if my car breaks down?
The January 2025 brochure gives 600 575 751 for 24x7 roadside assistance. The Auto Takaful page says to call 800 725262 if your car breaks down in the UAE.8
How do I make a Salama car insurance claim?
Register online at motor.salama.ae, email the motor claim form to customer.support@salama.ae, or call 800 725262.6
Does Salama car insurance cover Oman?
Comprehensive includes own damage cover in Oman. Third party cover in Oman is an optional Orange Card at AED 115 to AED 450 excluding VAT.8
Does Salama give a replacement car?
Comprehensive customers can add a hire car for 10 days at AED 130 excluding VAT. The licence must be six months old and the insured over 21.8
How do I complain to Salama?
Email complaints@salama.ae or call 800 725262. If you are still unhappy with the reply, or have waited more than 15 working days (its complaints flowchart says 15 days), you can go to Sanadak, the Central Bank ombudsman unit, on 800 72 623 25.3
Sources
22
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Salama Insurance, Auto Takaful page. Last checked 5 Nov 2026. Source document: Auto Takaful page
3Salama Insurance, Contact page. Last checked 5 Nov 2026. Source document: Contact page
4Salama Insurance, Get a quote page. Last checked 5 Nov 2026. Source document: Get a quote page
5Salama Insurance, About Takaful page. Last checked 5 Nov 2026. Source document: About Takaful page
6Salama Insurance, Forms page. Last checked 5 Nov 2026. Source document: Forms page
7Salama Insurance, Corporate Auto Takaful page. Last checked 5 Nov 2026. Source document: Corporate Auto Takaful page
8Salama Insurance, Auto Takaful brochure, January 2025. Last checked 5 Nov 2026. Source document: Auto Takaful brochure, January 2025
9Salama Insurance, Motor workshop list 2026. Last checked 5 Nov 2026. Source document: Motor workshop list 2026
10S&P Global Ratings, Research Update: Salama/Islamic Arab Insurance Co. P.S.C. BBB- ratings affirmed, outlook developing, 24 April 2026. Last checked 5 Nov 2026. Source document: Research Update: Salama/Islamic Arab Insurance Co. P.S.C. BBB- ratings affirmed, outlook developing, 24 April 2026
11Dubai Financial Market, Islamic Arab Insurance Company PJSC company profile. Last checked 5 Nov 2026. Source document: Islamic Arab Insurance Company PJSC company profile
12Salama Insurance, H1 2026 letter to shareholders. Last checked 5 Nov 2026. Source document: H1 2026 letter to shareholders
13Salama Insurance, SALAMA Completes Restructuring, Restores Financial Strength, Shifts to Growth. Last checked 5 Nov 2026. Source document: SALAMA Completes Restructuring, Restores Financial Strength, Shifts to Growth
14Salama Insurance, Interim financial statements, nine months to 30 September 2026. Last checked 5 Nov 2026. Source document: Interim financial statements, nine months to 30 September 2026
15Salama Insurance, Appointment of Humaid Mohammad Obaid Alqutami as Chairman. Last checked 5 Nov 2026. Source document: Appointment of Humaid Mohammad Obaid Alqutami as Chairman
16Salama Insurance, Integrated Report 2025. Last checked 5 Nov 2026. Source document: Integrated Report 2025
17Policybazaar.ae, Salama car insurance claim guide. Last checked 5 Nov 2026. Source document: Salama car insurance claim guide
18Policybazaar.ae, Salama car insurance page. Last checked 5 Nov 2026. Source document: Salama car insurance page
19Salama Insurance, SALAMA Delivers Second Consecutive Profitable Quarter as H1 2026 Performance Demonstrates Continued Progress. Last checked 5 Nov 2026. Source document: SALAMA Delivers Second Consecutive Profitable Quarter as H1 2026 Performance Demonstrates Continued Progress
20Salama Insurance, Wayback Machine copy, Unified Motor Vehicle Insurance Policy Against Loss and Damage, archived June 2024. Last checked 5 Nov 2026. Source document: Unified Motor Vehicle Insurance Policy Against Loss and Damage, archived June 2024
21Eshraq Investments PJSC via ADX, Form for disclosing a transaction with a related party, 4 March 2026. Last checked 5 Nov 2026. Source document: Form for disclosing a transaction with a related party, 4 March 2026
22Dubai Financial Market, Islamic Arab Insurance Company PJSC top shareholders. Last checked 5 Nov 2026. Source document: Islamic Arab Insurance Company PJSC top shareholders
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published