Sharjah Insurance
Sharjah Insurance Company is an insurer set up in 1970 by a decree of the Ruler of Sharjah and listed on the Abu Dhabi Securities Exchange. Its 2025 accounts name Mr. Salem Abdullah Salem Al Hosani as the ultimate controlling party. It sells car, travel, home, marine, property and liability cover from a head office in Sharjah and a branch in Dubai, and its accounts call motor its primary line of business.
Out of 5 from 185 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 Sharjah Insurance
Sharjah Insurance averages 3.8 out of 5 across 185 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Read the Google reviews for each office
| Office | Rating | Reviews |
|---|---|---|
| Al Khalidiya District - Sharjah | 3.8 | 182 |
| 7842+JPM, Al Hamriya - Dubai | 3.7 | 3 |
Sharjah Insurance car insurance
Sells comprehensive and third party car insurance to individuals, and the same two covers as fleet policies for companies. Agency repair is an option on comprehensive cover, not part of every policy.
| Plan | Type | What it is |
|---|---|---|
| Motor Comprehensive | Comprehensive | Covers loss of or damage to your car from collisions, fire, theft or natural calamities, plus third party injury, death and property damage.9 |
| Motor Third Party | Third party | Covers injury to other people and damage to their property. It does not cover your own car.10 |
| Motor Comprehensive-Fleet | Comprehensive | One policy for a company's vehicles, covering damage to the vehicles and third party liability. All vehicles must be registered under the same company.11 |
| Motor Third Party-Fleet | Third party | Liability-only cover for a company's vehicles. It does not cover damage to the company's own vehicles.12 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Optional extra | The Motor Comprehensive page lists agency cover as a benefit, with repairs at agency or approved garages, and says it applies if you select agency repair cover. The website FAQ says it is optional, not in all policies, and usually available for new cars. Check your policy schedule.13 |
| Roadside assistance | Included | 24/7 roadside support on Motor Comprehensive.9 |
| Personal accident cover for driver and passengers | Depends on plan | Listed as a benefit on the Motor Comprehensive page. The website FAQ says it is an optional add-on at an extra premium. Check your policy schedule.13 |
| Natural disaster cover | Included | Motor Comprehensive covers damage from natural calamities.9 |
| Off-road cover | Depends on plan | Only if specified in the policy, mainly for 4x4s.13 |
| No-claims discount | Depends on plan | Transferable with valid proof.13 |
| Cancellation refund | Depends on plan | A refund is available if no claims were made.13 |
| Fleet discount | Depends on plan | Premiums are discounted based on fleet size and claims history.11 |
More cover details (1)
| Cover | With this insurer | Details |
|---|---|---|
| Changing fleet vehicles mid-term | Included | Vehicles can be added or removed mid-term with a pro-rata adjustment.11 |
Check before you buy
How to claim with Sharjah Insurance
- Claims phone065195666
- Claim onlineOpen claim page
24/7 roadside support on Motor Comprehensive.9
Steps
- Claim settlement usually takes 3 to 14 business days after all documents are received, depending on the type and complexity of the case.13
- A separate FAQ entry says claims take around 2 to 7 working days.13
- The company reports an average of 7 days to resolve a customer complaint in 2025, when it received 12 complaints and resolved 7.6
Not happy with a claim? Complain to Sharjah Insurance at quote@shjins.ae first. How to take a complaint to Sanadak.
About Sharjah Insurance
- Legal name
- Sharjah Insurance Company (P.S.C)
- Founded
- 19703
- Type
- Conventional insurer. The Central Bank register lists it as a national insurance company, not takaful.2
- Owner
- Mr. Salem Abdullah Salem Al Hosani is the ultimate controlling party.3
- Listed on
- Abu Dhabi Securities Exchange, ticker SICO, listed 17 October 20057
- Headquarters
- Al Raha Tower, Corniche Al Mamzar, Al Khan, Sharjah14
- UAE branches
- Head office in Sharjah and one branch in Dubai3
- Also sells
- Travel, Home, Marine, Fire and property, Engineering, Liability, Personal accident, Group life16
- Central Bank
- Listed in the CBUAE register, September 2026, number 121
Financial strength
The insurance business lost money after reinsurance in 2024 (AED 8.2 million), 2025 (AED 1.4 million) and the first half of 2026 (AED 12.9 million). The 2025 profit of AED 59.8 million included AED 65.2 million of net investment income, and first-half 2026 profit was AED 0.4 million against AED 26.4 million a year earlier. At 30 June 2026 the company reported AED 109.1 million above its solvency capital requirement.
Recent news
- First-half profit falls to AED 0.4 million
Profit after tax for the six months to 30 June 2026 was AED 385,017, against AED 26.4 million a year earlier, with an insurance service loss of AED 12.9 million.4
- Shareholders approve 9 fils dividend for 2025
The general assembly approved a cash dividend of 9% of capital, AED 13.5 million.19
- Audited 2025 accounts show AED 59.8 million profit
Profit after tax rose from AED 5.0 million in 2024, and gross written premiums rose from AED 33.0 million to AED 44.1 million.3
Contact Sharjah Insurance
- Phone065195666
- WhatsApp065195665
- Emailquote@shjins.ae
- HoursHead office, per its Google Maps listing: Monday to Thursday 8am to 5pm, Friday 8am to 12pm, closed Saturday and Sunday.
- Head officeG, M, O2 Floors, Al Raha Tower, Corniche Al Mamzar, Al Khan, Sharjah, P.O. Box 792
Branches (2)
| Branch | Address | Phone |
|---|---|---|
| Head office | G, M, O2 Floors, Al Raha Tower, Corniche Al Mamzar, Al Khan, Sharjah, P.O. Box 792 | 065195666 |
| Dubai branch | Flat No. 113, 1st Floor, Salim Ali Al Mazroua Building, Al Nahda 2, Dubai. The phone number shown here is from the website contact page. The company's letters to the stock exchange in October 2026 give the Dubai branch as 04 397 9796, P.O. Box 7258. | 042399034 |
Common questions
Who owns Sharjah Insurance?
Its 2025 accounts name Mr. Salem Abdullah Salem Al Hosani as the ultimate controlling party.3
Does Sharjah Insurance comprehensive cover include agency repair?
Not on every policy. Agency repair is optional and usually available for new cars.13
Is roadside assistance included?
Yes on Motor Comprehensive. The company says 24/7 roadside support is provided.9
What should I do after an accident?
Report it to the police, get a report, then inform the insurer. The claim needs a claim form, proof of damage, policy details and ID.13
What number do I call to make a claim?
The website FAQ says to contact customer service. The number on its contact page is 06 519 5666.14
How long does a Sharjah Insurance claim take?
Its website gives two figures. One FAQ says 3 to 14 business days after all documents are received, and another says around 2 to 7 working days.13
Can I cancel and get a refund?
The website says yes, if no claims were made.13
Sources
22
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Central Bank of the UAE, CB Register September of 2026. Last checked 5 Nov 2026. Source document: CB Register September of 2026
3Sharjah Insurance Company, Independent auditors' report and financial statements for the year ended 31 December 2025. Last checked 5 Nov 2026. Source document: Independent auditors' report and financial statements for the year ended 31 December 2025
4Sharjah Insurance Company, Condensed interim financial information for the six months ended 30 June 2026. Last checked 5 Nov 2026. Source document: Condensed interim financial information for the six months ended 30 June 2026
5Sharjah Insurance Company, Corporate Governance Report 2025. Last checked 5 Nov 2026. Source document: Corporate Governance Report 2025
6Sharjah Insurance Company, Sustainability Report for 2025. Last checked 5 Nov 2026. Source document: Sustainability Report for 2025
7Abu Dhabi Securities Exchange, SICO company profile overview. Last checked 5 Nov 2026. Source document: SICO company profile overview
8Abu Dhabi Securities Exchange, SICO financial reports. Last checked 5 Nov 2026. Source document: SICO financial reports
9Sharjah Insurance Company, Motor Comprehensive. Last checked 5 Nov 2026. Source document: Motor Comprehensive
10Sharjah Insurance Company, Motor Third Party. Last checked 5 Nov 2026. Source document: Motor Third Party
11Sharjah Insurance Company, Motor Comprehensive-Fleet. Last checked 5 Nov 2026. Source document: Motor Comprehensive-Fleet
12Sharjah Insurance Company, Motor Third Party-Fleet. Last checked 5 Nov 2026. Source document: Motor Third Party-Fleet
13Sharjah Insurance Company, Website FAQ entries. Last checked 5 Nov 2026. Source document: Website FAQ entries
14Sharjah Insurance Company, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
15Sharjah Insurance Company, Complaints and Suggestion. Last checked 5 Nov 2026. Source document: Complaints and Suggestion
16Sharjah Insurance Company, Request a Quote. Last checked 5 Nov 2026. Source document: Request a Quote
17Apple App Store, Sharjah Insurance Company app. Last checked 5 Nov 2026. Source document: Sharjah Insurance Company app
18Trustpilot, shjins.com profile. Last checked 5 Nov 2026. Source document: shjins.com profile
19Argaam, General assembly approves cash dividend of 9 fils per share for 2025. Last checked 5 Nov 2026. Source document: General assembly approves cash dividend of 9 fils per share for 2025
20Google Maps via HasData, Sharjah Insurance Company Head Office listing. Last checked 5 Nov 2026. Source document: Sharjah Insurance Company Head Office listing
21Sharjah Insurance Company, Invitation to the Annual General Assembly on 30 April 2026. Last checked 5 Nov 2026. Source document: Invitation to the Annual General Assembly on 30 April 2026
22Sharjah Insurance Company, Letter to ADX on results of board meeting held 29 October 2026. Last checked 5 Nov 2026. Source document: Letter to ADX on results of board meeting held 29 October 2026
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published