Sukoon Insurance
Sukoon Insurance is a Dubai-based insurer that started in 1975 and was called Oman Insurance Company until January 2024. Mashreq Bank owns about 65% of it and its shares trade on the Dubai Financial Market. It sells car, health, life, home, travel and business insurance.
Out of 5 from 3,572 Google reviews across 7 offices
- App Store4.1801 ratings
- Google Play4.52,819 ratings
- Trustpilot1.674 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Sukoon Insurance
Sukoon Insurance averages 3.9 out of 5 across 3,572 Google reviews of its UAE offices, read 5 Nov 2026. Offices range from 1.8 to 4.5. Those reviews cover everything it sells, not only car insurance.
Counts come from the 180 reviews we read that are about car insurance, most from 2024 to 2026.
What customers praise
Staff explain the cover and help with buying or renewing71 of 180
explained the insurance coverage and options clearly, answered all my questions, and made the purchasing process quick and hassle-free.
Quick, simple buying and renewal12 of 180
The entire process was simple, transparent, and hassle-free, with an easy-to-use digital journey and clear communication at every step.
Claims handled quickly9 of 180
After accident my car was total loss and they paid the amount very fast and their each my mail response was also very fast.
Competitive quote or price8 of 180
I got very good service inquiring about car insurance, their quote was very favourable.
What customers complain about
Slow claim approval, slow repairs and no replies25 of 180
My car has already been sitting in the garage for more than 15 days, yet the actual repair has still not started.
Free car washes are hard to book9 of 180
I have been trying for 12 consecutive months to use the advertised car wash benefit, but in practice it is impossible to redeem.
Repair quality, garages and used parts8 of 180
they told me I had to get original but used parts because of my insurance policy
Total loss offers and slow settlement7 of 180
The claims process completely falls apart after a total loss is approved.
Read the Google reviews for each office
Sukoon Insurance car insurance
Sukoon sells comprehensive car insurance and third party liability cover, plus Privilege Motor for high-value cars. Comprehensive customers can add Motor War Cover.
| Plan | Type | What it is |
|---|---|---|
| Comprehensive Car Insurance (Drive Easy) | Comprehensive | Covers your own car and third parties. The brochure lists Silver and Gold plans. The current table of benefits shows Gold.7 |
| Third Party Liability | Third party | Covers injury and property damage to others if you are at fault. It does not cover damage to your own car. The table of benefits gives a property damage limit of AED 2 million. The car insurance and third party pages say AED 3.5 million. Check your policy schedule.5 |
| Privilege Motor | Comprehensive | For cars valued above AED 700,000 from Rolls Royce, Bentley, Ferrari, McLaren, Aston Martin, Bugatti and Lamborghini. Drivers must be 35 to 70 with at least one year on a UAE licence. Sukoon's underwriters make the final decision.14 |
| Motor War Cover | Other | Optional add-on for individual comprehensive policies. Covers direct physical damage in the UAE from war, terrorism, strikes, riots and malicious damage, up to the car's insured value and AED 5 million. Non-refundable and does not renew automatically.12 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | Applies if dealer repair is shown on your schedule, and is included automatically for cars up to 12 months old. For an at-fault claim the driver must be the policyholder, or over 30 with a UAE licence held for over a year or another country's licence for over two years. Otherwise Sukoon chooses one of its garages.8 |
| Age limit for agency repair | Depends on plan | The brochure shows dealer repair for the first year on Silver and for three years on Gold.7 |
| Agency repair after three years | Optional extra | If you ask when taking out the policy, Sukoon may agree to agency repair after the first three years of use, for an extra premium.8 |
| Garage repair | Included | Non-agency repairs go to Sukoon's partner garages, including AG Cars, which gives a 12-month repair guarantee.16 |
| Parts used in repairs | Depends on plan | Garage repairs use genuine used parts. You can ask for new parts but pay the depreciation cost. Agency repairs use new parts.9 |
| Roadside assistance | Included | Included on Gold, with unlimited use, accident towing between emirates and cover in the UAE and Oman. Optional on third party, limited to three uses a year in the UAE. Call 800 6565, or use the IMC Roadside Assistance app.8 |
| Replacement car when not at fault | Depends on plan | A replacement car for up to 15 days during actual repair time. A loss of use allowance may apply if no car is available. Not for corporate or fleet policies or total losses.9 |
| Hire car when at fault | Optional extra | Rent-a-car add-on: a standard saloon for up to 10 days a policy year. If no car is available, up to AED 75 a day may be paid. Alternatively, a courtesy car cash benefit pays AED 100 a day for up to 7 days.9 |
More cover details (20)
| Cover | With this insurer | Details |
|---|---|---|
| Personal accident cover | Optional extra | Up to AED 200,000 for the driver and up to AED 200,000 for passengers, for an extra premium. For third party plans, the table of benefits and the car insurance page say up to AED 200,000. The third party page says up to AED 6,770. Check your policy schedule.6 |
| Emergency medical and personal injury | Included | Gold pays up to AED 5,000 for emergency medical expenses per accident. It also pays AED 30,000 if the insured or spouse dies, or loses sight or a limb, in an accident while getting into or out of the car. The personal injury benefit does not cover anyone over 70.8 |
| Oman cover | Included | Gold extends cover to Oman and Qatar, according to the policy wording and table of benefits. The car insurance and comprehensive covers pages say Oman only. Check your policy schedule. Third party liability there needs an Orange Card, available on request before you travel. Third party plans do not include this cover.6 |
| GCC cover | Depends on plan | The roadside page says help is available across the UAE and GCC. The plan tables show UAE and GCC on Platinum only, UAE and Oman on Gold, and UAE on Silver and third party. Outside the UAE the first 100 km of towing is free, then AED 3 per km.8 |
| Off-road cover | Included | Included on Gold for private all-wheel-drive SUVs only. You pay double the normal excess. Racing, competitions and business use are excluded.8 |
| Natural disaster and flood cover | Included | Gold covers hail, flood, storm and earthquake up to the sum insured. You must not drive through or park in affected or flood-prone areas, or start a flooded car, and you must follow weather advisories.8 |
| Windscreen | Included | Gold pays up to AED 3,000 for a broken window or windscreen with no excess, if that is the only damage.8 |
| No-claims discount | Depends on plan | A discount at renewal if you have no claims on your record.3 |
| New car replacement | Depends on plan | Auto Gap: if a first-owner car bought from an authorised dealer and under 6 months old is a total loss, Sukoon pays for a new replacement or the original price, whichever is lower. One claim per policy year.8 |
| Excess | Depends on plan | The policy sets a maximum per accident for private cars: AED 350 up to AED 50,000 in value, AED 700 up to AED 100,000, AED 1,000 up to AED 250,000, AED 1,200 above that and AED 1,400 above AED 500,000.8 |
| Young driver terms | Depends on plan | An extra deductible of up to 10% of the claim can apply if a driver under 25 causes the accident.8 |
| Modified and sports cars | Depends on plan | An extra deductible of up to 15% for sports and modified cars, and up to 20% for cars modified outside the factory.8 |
| 24-hour claims line | Included | 800 405, toll free, 24 hours a day.9 |
| Third party property damage | Included | Up to AED 3,500,000 on comprehensive. For third party plans, the table of benefits says up to AED 2,000,000. The car insurance and third party pages say up to AED 3,500,000. Check your policy schedule.6 |
| Personal belongings | Included | Gold pays up to AED 5,000 for belongings lost or damaged by fire, theft or accident. Money and documents are excluded.8 |
| Lock replacement | Included | Gold pays up to AED 1,000 if keys or the lock transmitter are lost or stolen.8 |
| Valet parking theft | Included | Gold covers theft while a hotel or mall valet has the car, up to the sum insured. You must file a case against the hotel or mall. One claim per policy year.8 |
| Registration renewal service | Included | Gold includes pick-up and drop-off for vehicle testing and registration once a year. Book 48 hours ahead and pay government fees.8 |
| Free car washes | Included | 12 a year at AG Cars for active comprehensive policies, one a month, booked by calling 600 540045, Monday to Saturday, 8am to 5pm.17 |
| Track day | Optional extra | Limited cover for non-competitive days at Dubai Autodrome and Yas Marina. Excess is 15% of the claim, at least double the policy excess.8 |
Published prices
- 10% off when you buy online, using code ONLINE10.2
- 0% interest instalments over 3 or 6 months on participating bank credit cards. Minimum premium is AED 500 to AED 1,000 and the processing fee is AED 0 to AED 50, depending on the bank.18
Check before you buy
- Total loss pay-outs start from the insured value, less 20% depreciation, and also take account of how much of the policy period has passed. A car counts as a total loss if repairs exceed 50% of its value.8
- Without the natural disaster benefit on your schedule, floods, storms and earthquakes are not covered.8
- War, civil war, strikes and civil commotion are excluded unless your schedule or an add-on covers them.8
- Driving off-road is excluded unless the policy has an off-road extension.8
- Own-damage claims are excluded if the driver is unlicensed, is suspended, has a licence expired and not renewed within 30 days of the accident, or is under the influence of alcohol or drugs.8
- Tyre damage is excluded unless it happens at the same time as other damage to the car.8
- Racing and speed tests are excluded, as is damage outside the policy's territory unless extended.8
Policy documents
- Drive Easy unified policy wordingPolicy wording, 2024
- Motor insurance plans at a glanceKey facts
- Motor claims guideKey facts, 2026
- Drive Easy brochureBrochure
- Motor War Cover key featuresKey facts
- Privilege Motor brochureBrochure
- Privilege Motor terms and conditionsPolicy wording
How to claim with Sukoon Insurance
- Claims phone800 405
- Roadside help800 6565
- Claims emailmotorclaims@sukoon.com
- Claim onlineOpen claim page
24 hours a day. From outside the UAE call +971 4 387 6649.8
Steps
- If anyone is hurt, call an ambulance on 998. Sukoon's claims guide prints 997, which the UAE government lists as the fire department.39
- Move the car out of traffic if it is safe, and take photos of the damage and surroundings.9
- Report the accident to the police and get a police report, which is required for a claim.9
- Call 800 6565 or use the IMC Roadside Assistance app if you need a tow.9
- Register the claim in the mySukoon app, on 800 405, or at motorclaims@sukoon.com.9
- Take the car to the garage or agency named in your claim email or SMS.10
- Wait for the repair estimate and surveyor approval, and track progress by SMS, email or the app.9
- Pay any excess at the workshop and sign the discharge receipt when you collect the car.9
- Survey and approval: 1 to 2 business days depending on severity. The same guide also lists up to 1 day for minor, 2 to 3 days for medium and 4 days for major repairs. The 11/2024 policy wording says repair authorisation within 48 hours for most cases.9
- Replacement car approval: 1 business day.9
- Repair approvals: up to 3 business days. Third-party approvals on non-fault claims can take up to 5 business days.9
- Most repairs finish within 1 to 2 weeks, depending on damage and parts.9
- Total loss and cash benefit payments: the claims guide says typically 10 to 15 working days in one place and 10 to 15 days in another.9
- Loss adjuster investigations usually take 2 to 4 weeks.9
Not happy with a claim? Complain to Sukoon Insurance at complaints@sukoon.com first. How to take a complaint to Sanadak.
About Sukoon Insurance
- Legal name
- Sukoon Insurance PJSC
- Founded
- 197521
- Type
- Conventional insurer, listed by the Central Bank of the UAE as a national insurance company. Sukoon Takaful PJSC is a separate company with its own register entry, listed as takaful.31
- Owner
- Mashreq Bank held 64.76% of the shares at 31 December 2025. Sukoon is a subsidiary of the bank.23
- Listed on
- Dubai Financial Market, ticker SUKOON27
- Headquarters
- Omar Bin Al Khattab Street, next to Al Ghurair Mall, Deira, Dubai19
- UAE branches
- Seven UAE offices are listed on the website: three in Dubai (Deira, Dubai Outsource Zone, Al Ghusais) and one each in Abu Dhabi, Sharjah, Ajman and Ras Al Khaimah. The 2025 Integrated Report says 5 branches.19
- Also sells
- Health, Life, Home, Travel, Personal accident, Boat, Business and commercial38
- Previous name
- Oman Insurance Company P.S.C., until 2024-0122
- Central Bank
- Listed in the CBUAE register, September 2026, number 91
Financial strength
For 31 December 2025 the Integrated Report gives a solvency ratio of 275%. The September 2026 accounts show lower own funds for the same date.
Awards
Recent news
- Sukoon reports AED 438.4 million profit before tax for nine months
Up from AED 303.2 million a year earlier. Insurance revenue was AED 5.4 billion.25
- Moody's affirms Sukoon's A2 rating
The outlook is stable.29
- Sukoon offers Motor War Cover add-on
The add-on is for comprehensive customers and is priced by the car's insured value and the time left on the policy.33
- S&P reaffirms Sukoon's A rating
The outlook is stable, and the rating also extends to its subsidiary Sukoon Takaful.28
- Sukoon reports 2025 results
Gross written premiums passed AED 7 billion and profit before tax was AED 428 million.24
Contact Sukoon Insurance
- Phone+971 4 233 7777
- Toll free800 785666
- Emailservice@sukoon.com
- HoursBranches: Monday to Friday, 8am to 5pm. Call centre: Monday to Friday, 8am to 8pm, Saturday 8am to 5pm.
- Head officeOmar Bin Al Khattab Street, next to Al Ghurair Mall, Deira, P.O. Box 5209, Dubai
Branches (7)
| Branch | Address | Phone |
|---|---|---|
| Head Office, Deira | Omar Bin Al Khattab Street, next to Al Ghurair Mall, Deira, P.O. Box 5209 | 800 785666 |
| Back Office | Injaz Building, Block 1, 2nd Floor, Dubai Outsource Zone | 800 785666 |
| Al Ghusais | Al Ghusais Plaza Building, Office 210 and 211, 2nd Floor, Equator Office, P.O. Box 5209 | 800 785666 |
| Abu Dhabi | Salam Street, Al Markaziyah, Sheikh Nahyan Bin Khalifa Bldg. 126, P.O. Box 3335 | 800 785666 |
| Sharjah | Al Khan Corniche, Majestic Tower, Ground Floor, P.O. Box 1931 | 800 785666 |
| Ajman | Al Refaa 1 Building, Ground Floor, Sheikh Khalifa Bin Zayed Road, Al Nuaima 3 | 800 785666 |
| Ras Al Khaimah | Julphar Tower, 37th Floor (Office Building), Al Nakheel. The 11/2024 policy wording gives next to First Abu Dhabi Bank, Al Corniche Road, Al Dafan. | 800 785666 |
Common questions
Is Sukoon the same company as Oman Insurance?
Yes. Oman Insurance Company P.S.C. changed its legal name to Sukoon Insurance PJSC in January 2024, and the company said this had no effect on existing policies.22
Is Sukoon Insurance the same as Sukoon Takaful?
No. Sukoon Takaful PJSC has its own Central Bank register entry as a takaful company, while Sukoon Insurance PJSC is listed as a national insurance company.31
How do I make a car insurance claim with Sukoon?
Get a police report, then register the claim in the mySukoon app, on 800 405, or at motorclaims@sukoon.com. The line is open 24 hours a day.9
What is the Sukoon roadside assistance number?
Call 800 6565 in the UAE or +971 4 387 6649 from abroad. The service runs 24 hours a day.11
Does Sukoon car insurance include agency repair?
Only if dealer repair is on your schedule. It is included automatically for cars up to 12 months old, and the brochure shows up to three years on Gold.8
Does Sukoon comprehensive insurance cover floods?
Gold covers flood and storm damage up to the sum insured. The cover does not apply if you drive through or park in affected areas.8
Can I drive to Oman with Sukoon car insurance?
Gold extends own-damage cover to Oman, and the policy wording and table of benefits add Qatar. Third party cover there needs an Orange Card, which you must request before you travel.8
Sources
39
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Sukoon Insurance, Car insurance page. Last checked 5 Nov 2026. Source document: Car insurance page
3Sukoon Insurance, Comprehensive car insurance page. Last checked 5 Nov 2026. Source document: Comprehensive car insurance page
4Sukoon Insurance, Comprehensive motor insurance covers. Last checked 5 Nov 2026. Source document: Comprehensive motor insurance covers
5Sukoon Insurance, Third party liability insurance page. Last checked 5 Nov 2026. Source document: Third party liability insurance page
6Sukoon Insurance, Motor insurance plans at a glance. Last checked 5 Nov 2026. Source document: Motor insurance plans at a glance
7Sukoon Insurance, Drive Easy motor comprehensive brochure. Last checked 5 Nov 2026. Source document: Drive Easy motor comprehensive brochure
8Sukoon Insurance, Drive Easy unified policy wording, print code 11/2024. Last checked 5 Nov 2026. Source document: Drive Easy unified policy wording, print code 11/2024
9Sukoon Insurance, Motor claims guide, print code 07/2026. Last checked 5 Nov 2026. Source document: Motor claims guide, print code 07/2026
10Sukoon Insurance, Motor insurance claim process. Last checked 5 Nov 2026. Source document: Motor insurance claim process
11Sukoon Insurance, Roadside assistance programme. Last checked 5 Nov 2026. Source document: Roadside assistance programme
12Sukoon Insurance, Motor War Cover key features. Last checked 5 Nov 2026. Source document: Motor War Cover key features
13Sukoon Insurance, Privilege Motor page. Last checked 5 Nov 2026. Source document: Privilege Motor page
14Sukoon Insurance, Privilege Motor brochure. Last checked 5 Nov 2026. Source document: Privilege Motor brochure
15Sukoon Insurance, Privilege Motor terms and conditions. Last checked 5 Nov 2026. Source document: Privilege Motor terms and conditions
16Sukoon Insurance, AG Cars partnership. Last checked 5 Nov 2026. Source document: AG Cars partnership
17Sukoon Insurance, 12 free car washes. Last checked 5 Nov 2026. Source document: 12 free car washes
18Sukoon Insurance, Easy payment plan. Last checked 5 Nov 2026. Source document: Easy payment plan
19Sukoon Insurance, Contact us and branches. Last checked 5 Nov 2026. Source document: Contact us and branches
20Sukoon Insurance, Complaint management policy. Last checked 5 Nov 2026. Source document: Complaint management policy
21Sukoon Insurance, About us. Last checked 5 Nov 2026. Source document: About us
22Sukoon Insurance, Oman Insurance Company P.S.C. changes legal name to Sukoon Insurance PJSC, 10 January 2024. Last checked 5 Nov 2026. Source document: Oman Insurance Company P.S.C. changes legal name to Sukoon Insurance PJSC, 10 January 2024
23Sukoon Insurance, Integrated Report 2025. Last checked 5 Nov 2026. Source document: Integrated Report 2025
24Sukoon Insurance, 2025 financial results, 29 January 2026. Last checked 5 Nov 2026. Source document: 2025 financial results, 29 January 2026
25Sukoon Insurance PJSC, file hosted by Argaam, Condensed consolidated interim financial information, nine months to 30 September 2026. Last checked 5 Nov 2026. Source document: Condensed consolidated interim financial information, nine months to 30 September 2026
26Sukoon Insurance, press release on Zawya, Sukoon delivers strong Q3 2026 performance, 30 October 2026. Last checked 5 Nov 2026. Source document: Sukoon delivers strong Q3 2026 performance, 30 October 2026
27Dubai Financial Market, Sukoon Insurance PJSC financial reports. Last checked 5 Nov 2026. Source document: Sukoon Insurance PJSC financial reports
28Sukoon Insurance, Sukoon Insurance's A rating reaffirmed by S&P, 28 April 2026. Last checked 5 Nov 2026. Source document: Sukoon Insurance's A rating reaffirmed by S&P, 28 April 2026
29Moody's, United Arab Emirates insurance reports list. Last checked 5 Nov 2026. Source document: United Arab Emirates insurance reports list
30AM Best, AM Best Withdraws Credit Ratings of Oman Insurance Company P.S.C., 28 July 2023. Last checked 5 Nov 2026. Source document: AM Best Withdraws Credit Ratings of Oman Insurance Company P.S.C., 28 July 2023
31Central Bank of the UAE, CB Register September of 2026. Last checked 5 Nov 2026. Source document: CB Register September of 2026
32Intelligent Insurer, Winners and highly commended revealed at Intelligent Insurer's MENA Awards 2026. Last checked 5 Nov 2026. Source document: Winners and highly commended revealed at Intelligent Insurer's MENA Awards 2026
33The National, UAE insurer offers vehicle war cover, 15 May 2026. Last checked 5 Nov 2026. Source document: UAE insurer offers vehicle war cover, 15 May 2026
34Atlas Magazine, Jean-Louis Laurent Josi Resigns as CEO of Sukoon Insurance, 6 August 2025. Last checked 5 Nov 2026. Source document: Jean-Louis Laurent Josi Resigns as CEO of Sukoon Insurance, 6 August 2025
35Apple App Store, mySukoon. Last checked 5 Nov 2026. Source document: mySukoon
36Google Play, mySukoon. Last checked 5 Nov 2026. Source document: mySukoon
37Trustpilot, Sukoon reviews. Last checked 5 Nov 2026. Source document: Sukoon reviews
38Sukoon Insurance, Downloads and forms. Last checked 5 Nov 2026. Source document: Downloads and forms
39UAE Government, Handling emergencies. Last checked 5 Nov 2026. Source document: Handling emergencies
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published