Noor Takaful Car Insurance Review
In little more than a decade Noor Takaful has grown to become the second largest Islamic insurance company in the UAE. With four offices in the UAE, Noor Takaful offers a personal service that is close to home.
Noor Takaful is split into two companies: Noor Takaful Family, which offers life policies and Noor Takaful General which offers non-life policies, in order to conform to UAE Federal Law number 6 (‘the insurance law’) of 2007 which says that life and non-life insurance businesses must be separate legal entities.
As well as car insurance, you can buy medical, home travel, boat, and family insurance from Noor Takaful. The company has an innovative approach to Islamic insurance and has launched a number of clever new products. In addition to being forward thinking, Noor Takaful prides itself on providing its high level of service.
As well as having qualified for an ISO 9001:2015 certification for consistent quality assurance, the company has won a number of awards including Best Takaful Provider Award at the Banker Middle East Industry Awards 2019 and Best Takaful Company UAE 2019 at Global Banking and Finance Awards 2019.
Noor Takaful (takaful is Islamic insurance, which runs according to sharia-mandated rules) was founded in January 2009 by H.H. Sheikh Ahmed bin Saeed Al Maktoum. Based in Dubai, the company has 215 employees and revenue of $54 million.
800-Takaful (825 2385)
WhatsApp: +971 50 651 8475
07:00am to 07:00pm, Saturday – Thursday
Dubai (Head Office)
Level 4, The Offices 1 at One Central
Dubai World Trade Centre
PO Box 48883
Unit 110 – 111
1st Floor, Abdullah Hamad Lowaie Al Alameri Building
Abu Dhabi, UAE
1st Floor, Expo Centre Sharjah
Al Tawuun Street
Why buy Noor Takaful Car Insurance?
Before you even look at Noor Takaful’s insurance policies, you should consider the other benefits the company offers to new customers. You get a 15% discount on all online purchases, you get given AED 100 worth of fuel for free, free fuel deliveries for two months, and a free car spa.
Noor Takaful offers both a third-party car insurance policy and a comprehensive policy. Their third-party policy covers third-party damage up to AED 2,000,000, and third-party bodily injury (with the sum awarded judicially).
The Noor Takaful comprehensive policy covers the same as above, but with the addition of loss or damage to your vehicle up to the value of your vehicle, natural calamities, standard agency repair for three years, a no-claims discount, emergency medical expenses up to AED 4,000, personal belongings up to AED 4,000, waiver of excess for windscreen damage up to AED 3,500, new car replacement for up to 6 months, and valet parking cover.
For an additional fee you can add the following additional extras: personal accident benefit for driver and passengers, an extension for your coverage into Oman, off-road cover, and rent-a-car for a period up to 7 days.
Noor Takaful car insurance does not cover willful acts that break the law, driving under the influence of drugs or alcohol, the absence of a valid UAE driver’s license, loss or damage to the car outside the territory covered on the Takaful certificate.
Value Added Extras
Since 1978 Noor Takaful has used CARS as their car repairs workshop partner. CARS has seven workshops, three in Dubai, and one each in Abu Dhabi, Sharjah, Al Ain, and Ras Al Khaimah.
When you buy Takaful, rather than standard insurance, you get a more ethical product. Noor Takaful takes corporate responsibility very seriously. In February 2017 they became signatories of the Dubai Declaration of Financial Institutions on Sustainable Finance, which obliges the company’s management to bring sustainability – including reducing their carbon footprint – into the heart of the business.
Noor Takaful Claims Process
Before you make your claim you need to have the four following documents to hand:
- Takaful policy/certificate number and contact information
- Driver’s license and car registration number
- Copy of your car registration card (or Mulkiya), (both sides)
- Police report and police report reference number
You can either start your claim on the Noor Takaful online claims portal, or contact the claims department by phone on 800-Takaful (825 2385) or by email at [email protected] or using WhatsApp on +971 50 651 8475.
Once you have submitted your claim, you can track it on the Noor Takaful website.
Can Noor Takaful insure my car, which is over 7 years old?
Their comprehensive insurance is available for vehicles up to seven years old. However, if you refer your vehicle to their motor team, they will assess the state of your vehicle and hopefully agree to your car being insured.
Can I cancel my Noor Takaful policy whenever I want?
At least third-party insurance is mandatory at all times for vehicles within the UAE, so you can only cancel your car insurance when a) you are unregistering the vehicle b) you are transferring the ownership of the vehicle c) you are cancelling your number plate certificate. These scenarios might occur if you are selling, scrapping or exporting the car.
Am I eligible for a no-claims discount (NCD)?
Your eligibility for a no-claims discount is based on the length of time you have not made a claim on your takaful (insurance). If you are not a current Noor Takaful client, you can prove your clean record by either getting a letter from your current provider or applying for a Drivers Experience – History Certificate on the RTA website (Roads and Transport Authority).
Can I get a copy of the insurance policies?
You can download a copy of the Noor Takaful policy documents at the downloads section of the company website.