Sukoon Takaful
Sukoon Takaful is a Dubai-based takaful (Islamic insurance) company, founded in 1978 as Arabian Scandinavian Insurance Company (ASCANA). It moved from conventional insurance to takaful in 2015. Sukoon Insurance, a separate company majority owned by Mashreq Bank, holds about 94.7% of its shares, which trade on the Dubai Financial Market.
Out of 5 from 597 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 Sukoon Takaful
Sukoon Takaful averages 3.7 out of 5 across 597 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Counts come from the 26 reviews we read that are about car insurance, most from 2026.
What customers praise
Helpful staff when registering a motor claim13 of 26
Very helpful and responsive team. My motor claim was registered efficiently with clear guidance throughout.
Claim and repair finished quickly5 of 26
From claim registration to garage allocation and repairs, everything was handled smoothly and efficiently.
Total loss or cash settlement handled smoothly3 of 26
Excellent customer service for motor claim registration and cash loss settlement. The process was smooth, quick and handled professionally.
What customers complain about
Unhappy with accident assessment, car value or repair delay3 of 26
It's been a month our car didn't repair.
Read the Google reviews for each office
| Office | Rating | Reviews |
|---|---|---|
| Al Kazim Building, 61A Street, Entrance B 3rd Floor, Dubai | 3.7 | 576 |
| Abu Dhabi, Al Zahiyah Business Center Building 8th Floor, Office Number 803 - Hamdan Bin Mohammed St, Abu Dhabi | 3.2 | 21 |
Sukoon Takaful car insurance
Sukoon Takaful sells comprehensive and third party motor takaful to individuals and companies. Motor was 19.85% of its 2025 contributions, and its motor page takes call-back requests.
| Plan | Type | What it is |
|---|---|---|
| Comprehensive Cover | Comprehensive | The motor page says this policy covers loss of, damage to or theft of your car, injury or death of participants and passengers, and third party injury or property damage. The key fact statement lists personal accident for driver and passengers as optional. Check your policy schedule.2 |
| Third-Party Cover | Third party | Covers damage to other vehicles in an accident, and third party injury, death or property damage. It does not pay for your own car.12 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | Comprehensive only. The key fact statement lists 1 year, based on the vehicle model year as agreed in the policy terms.12 |
| Third party injury and property damage | Included | Included on comprehensive and third party.12 |
| Ambulance cover | Included | Included on comprehensive and third party.12 |
| Third party loss of use allowance | Included | Included on comprehensive and third party.12 |
| Windscreen | Included | Comprehensive. Windscreen damage is covered with an excess.12 |
| Personal accident for driver and passengers | Optional extra | The key fact statement lists this as optional on comprehensive and third party, applying only if listed in your policy schedule. The motor page says comprehensive protects participants and passengers against injury or death. Check your policy schedule.12 |
| Oman cover | Optional extra | Optional on comprehensive. Not available on third party.12 |
| Natural disaster, storm and flood | Optional extra | Optional on comprehensive, together with strike, riot and civil commotion. It only applies if listed in your policy schedule.12 |
More cover details (13)
| Cover | With this insurer | Details |
|---|---|---|
| Rent a car | Optional extra | Optional on comprehensive. It only applies if listed in your policy schedule.12 |
| Roadside assistance | Depends on plan | Included on comprehensive and optional on third party. Provided 24 hours a day by Emirates Roadside Assistance.12 |
| Towing | Depends on plan | Part of roadside assistance. Accident and breakdown towing to the nearest workshop, only if the car cannot move.11 |
| Basement and car park rescue | Depends on plan | Part of roadside assistance. Up to two times a year, only if the car cannot move.11 |
| Removal and extraction after an accident | Depends on plan | Part of roadside assistance. Covered up to AED 550.11 |
| Off-road recovery | Depends on plan | Part of roadside assistance. Recovery if the car is stuck in sand, including in the desert.11 |
| Fuel delivery | Depends on plan | Part of roadside assistance. 10 litres of petrol are supplied and you pay for the fuel.11 |
| Battery boost, lock-out and flat tyre help | Depends on plan | Part of roadside assistance. Lock-out help needs proof that you own the car.11 |
| Trips for registration renewal and servicing | Depends on plan | Part of roadside assistance. One round trip a year for each. The renewal trip covers towing only, not test results or costs.11 |
| Free car washes | Depends on plan | Comprehensive only, at AG Cars. 12 a year, worth AED 360, one a month, by appointment, Monday to Saturday from 8 AM to 5 PM.7 |
| AG Cars repair guarantee | Depends on plan | AG Cars gives a 12-month repair guarantee and has a 24/7 vehicle drop-off.7 |
| AG Cars discounts | Depends on plan | Comprehensive and third party. Up to 50% off listed services such as polishing and headlight restoration, at AG Cars.7 |
| Vehicle test VIP lane | Depends on plan | Comprehensive and third party. Free VIP service, usually AED 150, at AG Cars testing centres in Mamzar and Deira. Book at least 24 hours ahead on 600 540045. RTA test charges are not included.7 |
Check before you buy
- Third party cover does not pay for loss of or damage to your own car.12
- Oman cover is not available on third party policies.12
- Optional covers only apply if they are listed in your policy schedule.12
- AG Cars provides its benefits directly, and Sukoon Takaful says it accepts no responsibility for how they are delivered.7
Policy documents
- Key fact statement, individual motor takafulKey facts
- Roadside assistance services leafletBrochure, 2024
How to claim with Sukoon Takaful
- Claims phone800272262
- Roadside help600500372
- Claim onlineOpen claim page
24 hours a day, by phone or through the Emirates Roadside Assistance app.6
Steps
- Check the loss or damage and call the police.13
- Do not argue with the other driver. Leave the decision to the police.13
- Tell Sukoon Takaful about the accident straight away.13
- Submit the online form on the motor claims page with your name, email, phone, policy number and a message.5
- Upload up to five documents as PDF, PNG or JPEG.5
Not happy with a claim? Complain to Sukoon Takaful at complaints@sukoontakaful.com first. How to take a complaint to Sanadak.
About Sukoon Takaful
- Legal name
- Sukoon Takaful PJSC
- Founded
- 197827
- Type
- Takaful company. Takaful is Islamic insurance: participants pay into a shared fund, claims are paid from it, and any surplus after expenses may be paid out to them or kept in the fund.8
- Owner
- Sukoon Insurance PJSC holds 94.6576% of the shares.28
- Listed on
- Dubai Financial Market, ticker SUKOONTAKAFL, listed since 12 July 200527
- Headquarters
- Al Kazim Building, Al Garhoud, Dubai9
- UAE branches
- Two: the Dubai head office and one branch in Abu Dhabi14
- Also sells
- Property, Engineering, Marine, Liability, General accident, Medical, Group family takaful3
- Previous name
- Arabian Scandinavian Insurance Company (ASCANA), until 20244
- Central Bank
- Listed in the CBUAE register, September 2026, number 61
Financial strength
The S&P rating rests on an unconditional guarantee from Sukoon Insurance and the company says it is not a fully standalone assessment. At 30 September 2026 shareholders had lent the participants' fund AED 160 million against its deficit, with a provision for the full amount.
Recent news
- Nine-month net profit of AED 23.3 million
Takaful revenue for the nine months to 30 September 2026 was AED 229.5 million, up 31%, and total assets were AED 682.2 million.16
- Partnership with Al Masraf
Al Masraf customers get access to Sukoon Insurance and Sukoon Takaful products.33
- S&P rating confirmed in DFM filing
The filing gives A with a stable outlook, matched to Sukoon Insurance because of its unconditional guarantee.24
- Memorandum of understanding with Ajman Bank
The partnership gives Ajman Bank customers access to Sukoon Takaful products.36
- First quarter contributions of AED 82.9 million
Gross written contributions rose 13% and profit before tax rose 44% to AED 9.1 million.18
Contact Sukoon Takaful
- Phone042824403
- Toll free800272262
- Emailcustomercare@sukoontakaful.com
- HoursThe website says Monday to Friday, 8 AM to 5 PM. Google Maps listings show Friday as 8 AM to 12 PM and 2 PM to 5 PM.
- Head office3rd Floor, Al Kazim Building, Al Garhoud, P.O. Box 1993, Dubai
Common questions
Is Sukoon Takaful the same as Sukoon Insurance?
No. They are separate companies, and Sukoon Insurance owns about 94.7% of Sukoon Takaful's shares.28
Is Sukoon Takaful the old ASCANA?
Yes. Sukoon Insurance bought ASCANA and rebranded it in 2023, and the legal name changed to Sukoon Takaful PJSC in 2024.4
Does Sukoon Takaful car insurance cover Oman?
Oman cover is optional on comprehensive and is not available on third party. It only applies if it is listed in your policy schedule.12
Does Sukoon Takaful include agency repair?
Its key fact statement shows agency repair on comprehensive for 1 year, based on the vehicle model year. Third party does not pay for your own car.12
Is flood damage covered by Sukoon Takaful?
Natural disaster, storm and flood cover is optional on comprehensive. It only applies if it is listed in your policy schedule.12
How do I make a car claim with Sukoon Takaful?
Use the form on its motor claims page and upload up to five documents. You can also call 800 272262.5
What is the Sukoon Takaful roadside assistance number?
Call 600 500 372, or use the Emirates Roadside Assistance app. The service runs 24 hours a day.6
Sources
36
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Sukoon Takaful, Motor page. Last checked 5 Nov 2026. Source document: Motor page
3Sukoon Takaful, Home page. Last checked 5 Nov 2026. Source document: Home page
4Sukoon Takaful, About us. Last checked 5 Nov 2026. Source document: About us
5Sukoon Takaful, Motor claims page. Last checked 5 Nov 2026. Source document: Motor claims page
6Sukoon Takaful, Roadside assistance page. Last checked 5 Nov 2026. Source document: Roadside assistance page
7Sukoon Takaful, AG Cars partnership page. Last checked 5 Nov 2026. Source document: AG Cars partnership page
8Sukoon Takaful, About takaful. Last checked 5 Nov 2026. Source document: About takaful
9Sukoon Takaful, Contact us. Last checked 5 Nov 2026. Source document: Contact us
10Sukoon Takaful, Rebrand page. Last checked 5 Nov 2026. Source document: Rebrand page
11Sukoon Takaful, Roadside assistance services leaflet, 09/2024. Last checked 5 Nov 2026. Source document: Roadside assistance services leaflet, 09/2024
12Sukoon Takaful, Key fact statement, table of benefits, individual motor takaful (hosted by Mashreq). Last checked 5 Nov 2026. Source document: Key fact statement, table of benefits, individual motor takaful (hosted by Mashreq)
13Mashreq Al Islami, Guide to claims for motor takaful by Salama and Sukoon Takaful. Last checked 5 Nov 2026. Source document: Guide to claims for motor takaful by Salama and Sukoon Takaful
14Sukoon Takaful, Integrated Report 2025. Last checked 5 Nov 2026. Source document: Integrated Report 2025
15Sukoon Takaful, Financial statements for the year ended 31 December 2025. Last checked 5 Nov 2026. Source document: Financial statements for the year ended 31 December 2025
16Sukoon Takaful, 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
17Sukoon Takaful, Press release, Q3 2026 results, 28 October 2026. Last checked 5 Nov 2026. Source document: Press release, Q3 2026 results, 28 October 2026
18Sukoon Takaful, Press release, Q1 2026 results, 29 April 2026. Last checked 5 Nov 2026. Source document: Press release, Q1 2026 results, 29 April 2026
19Sukoon Takaful, FY2025 results, 29 January 2026. Last checked 5 Nov 2026. Source document: FY2025 results, 29 January 2026
20Sukoon Takaful, FY2024 results, 21 March 2025. Last checked 5 Nov 2026. Source document: FY2024 results, 21 March 2025
21Sukoon Takaful, Management discussion and analysis, FY2024. Last checked 5 Nov 2026. Source document: Management discussion and analysis, FY2024
22Sukoon Takaful, S&P rating news, 27 October 2023. Last checked 5 Nov 2026. Source document: S&P rating news, 27 October 2023
23Sukoon Takaful, Acquisition news, 18 May 2023. Last checked 5 Nov 2026. Source document: Acquisition news, 18 May 2023
24Sukoon Takaful, Credit rating disclosure form to DFM, 18 September 2026. Last checked 5 Nov 2026. Source document: Credit rating disclosure form to DFM, 18 September 2026
25S&P Global Ratings, UAE-Based Sukoon Insurance A Ratings Affirmed, 24 April 2026. Last checked 5 Nov 2026. Source document: UAE-Based Sukoon Insurance A Ratings Affirmed, 24 April 2026
26Moody's, UAE insurance reports list. Last checked 5 Nov 2026. Source document: UAE insurance reports list
27Dubai Financial Market, Sukoon Takaful company profile. Last checked 5 Nov 2026. Source document: Sukoon Takaful company profile
28Dubai Financial Market, Sukoon Takaful top shareholders. Last checked 5 Nov 2026. Source document: Sukoon Takaful top shareholders
29Central Bank of the UAE, Register of insurers, September 2026. Last checked 5 Nov 2026. Source document: Register of insurers, September 2026
30Sukoon Insurance, Integrated Report 2025. Last checked 5 Nov 2026. Source document: Integrated Report 2025
31Sukoon 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
32Atlas Magazine, Sukoon Takaful signs partnership agreement with Ajman Bank, 7 September 2026. Last checked 5 Nov 2026. Source document: Sukoon Takaful signs partnership agreement with Ajman Bank, 7 September 2026
33INTLBM, Sukoon collaborates with Al Masraf, 30 September 2026. Last checked 5 Nov 2026. Source document: Sukoon collaborates with Al Masraf, 30 September 2026
34Trustpilot, sukoontakaful.com profile. Last checked 5 Nov 2026. Source document: sukoontakaful.com profile
35Mashreq Al Islami, Motor takaful page, provided by Sukoon Takaful and Salama. Last checked 5 Nov 2026. Source document: Motor takaful page, provided by Sukoon Takaful and Salama
36MarketScreener (MT Newswires), Sukoon Takaful Signs MoU for Partnership With Ajman Bank, 3 September 2026. Last checked 5 Nov 2026. Source document: Sukoon Takaful Signs MoU for Partnership With Ajman Bank, 3 September 2026
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published