Top 10 Best Car Insurance Companies in Ajman: Car Insurance is mandatory for every vehicle owner whether the vehicles are new or old. Car insurance is a legal requirement in Ajman and the United Arab Emirates. It assists against the damage that happens to the cars. Therefore, the UAE government regulates the law of insurance to be legally important for all car owners to purchase car insurance.
Since there are many car insurance companies, the policyholder has to face a bit of a problem of which is right and which is wrong, so this blog has expanded the names of the top 10 insurance companies to include all, exclusions and add-ons provided by the companies. Read: Top 10 Car Insurance Companies in UAE, Dubai 2024
Best Car Insurance Companies in Ajman
Below are the names of the top 10 car insurance companies in Ajman that serve reliable plans to their customers.
Oriental Insurance
Oriental Insurance originates from India and is completely owned by the Indian government. It was well established in 1947 with its headquartered in Delhi. It operates a total of 31 regional offices and 1,800 offices throughout Dubai, Nepal, and Kuwait.
It provides multiple plans such as motor, household, and personal accident coverage that are divided into 4 sections — comprehensive, third-party liability, motorcycle, and fleet comprehensive insurance.
Oriental Comprehensive Car Insurance Coverage & Addons –
Inclusions
- Third Party Damage
- Third Party Liability
- Damage to Your Vehicle
- Damages Due to Strikes/ Riots/ MD
- Loss of Personal Belongings
- Windscreen Excess Waiver
- Emergency Medical Expenses
- Ambulance Service
- Lock Replacement
- Valet Parking Theft Cover
- Off Road Cover
- Fire & Theft Cover
- Agency Repair
Exclusions
- Child Car Seats
- Alloy Wheel Replacement
- Involuntary Loss of Employment Insurance
- New car replacement in case of total damage
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Natural Calamity Cover
- Replacement of Vehicle
- Road Side Assistance
Oriental Third-Party Car Insurance Coverage & Addons –
Inclusions
- Third Party Damage
- Third Party Liability
Exclusions
- Damage to Your Vehicle
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
Al Wathba National Insurance
Al Wathba National Insurance Company (AWNIC) is serves with over 20 years of experience in The UAE. It has been rated ‘BBB’ by S&P Global, and the company has also been accredited by the Insurance Regulatory Authority of UAE for 2 consecutive years.
It provides several policies under the determination of home, motor, travel, UAE visit, yacht, pet, and jet ski insurance in two categories comprehensive and third-party coverage.
Al Wathba Comprehensive Car Insurance Coverage & Addons –
Inclusions
- Third-Party Damage
- Third-Party Liability
- Damage to Your Vehicle
- Damages Due to Strikes/ Riots/ MD
- Loss of Personal Belongings
- Windscreen Excess Waiver
- Ambulance Service
- Fire & Theft Cover
- Agency Repair
- Car Registration Service
- International Driving Licence
Exclusions
- Emergency Medical Expenses
- No Claim Discount Protection
- New Car Replacement in Case of Total Loss – Auto Gap
- Lock Replacement
- Valet Parking Theft Cover
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Natural Calamity Cover
- Replacement of Vehicle
- Oman Cover
- Roadside Assistance
Al Wathba Third Party Car Insurance Coverage & Addons –
Inclusions
- Third-Party Damage
- Third-Party Liability
- Accident and Breakdown Recovery
- Flat Tyre Service
- Emergency Fuel Services
- Battery Boost Services
Exclusions
- Damage to Your own Vehicle
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Roadside Assistance
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GIG Gulf Insurance (Previously AXA)
GIG Gulf Insurance (Previously AXA) has served more than 70 years throughout the Middle East. It has 15 branches across the UAE with more than 800 employees. It offers golf, motorcycle, private clients, personal accident, and relocation insurance.
GIG Gulf Comprehensive Car Insurance Coverage & Addons –
Inclusions
- Third-Party Damage
- Third-Party Liability
- Damage to Your Vehicle
- Damages Due to Strikes/ Riots/ MD
- Windscreen Excess Waiver
- Loss of Personal Belongings
- Emergency Medical Expenses
- Ambulance Service
- No Claim Discount Protection
Exclusions
- Damages Due to Electrical or Mechanical Breakdown
- Racing or Vehicle Testing
- Damages Caused by Willful Acts in Violate of UAE Laws
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Natural Calamity Cover
- Replacement of Vehicle
- Oman Cover
- Roadside Assistance
GIG Gulf Third-Party Car Insurance Coverage & Addons –
Inclusions
- Third-Party Damage
- Third-Party Liability
- Ambulance Service
Exclusions
- Damage to Your Vehicle
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Oman Cover
- Road Side Assistance
Al Sagr Insurance
Al Sagr National Insurance was well established in 1979. It is being prominent and reliable insurance provider which is why it is registered with the Ministry of Economy and Commerce in the UAE. It earned a B++ rating from A.M. Best Europe-Rating Service Limited. It typically offers motor insurance, travel insurance, etc.
Al Sagr Comprehensive Car Insurance Coverage & Addons –
Inclusions
- Third-Party Liability
- Third-Party Damage
- Damage to Your Vehicle
- Windscreen Damage
- Emergency Medical Expenses
Exclusions
- Agency Repair
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Natural Calamity Cover
- Replacement of Vehicle
- Road Side Assistance
- Oman Cover – Own Damage Included
Al Sagr Third Party Car Insurance Coverage & Addons –
Inclusions
- Third-Party Damage
- Third-Party Liability
Exclusions
- Damage to Your Vehicle
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
Fidelity United Insurance
Fidelity United Insurance came into existence in 1976. The company later merged with United Insurance Company and Fidelity Assurance & Reinsurance SARL in 2018.
Fidelity United Comprehensive Car Insurance Coverage & Addons –
Inclusions
- Third-Party Damage
- Damage to Your Vehicle
- Windscreen Damage
- Ambulance Service
- Emergency Medical Expenses
- Valet Parking Theft Cover
- Emergency Repair Expense
- Key Replacement
- Baby Car Seat Replacement
Add-On Plans
- Personal Cover (PA) Cover for Driver
- Personal Cover (PA) Cover for Passenger
- Natural Calamity Cover
- Replacement of Vehicle
- Roadside Assistance
Fidelity United Third Party Car Insurance Coverage –
- Loss or damage caused by accidental run over, turnover, incident, or collision resulting from unexpected mechanical breakdown
- Loss or damage due to theft or robbery
- Damage or loss due to a third-party willful act
- Damage or loss caused by external fire or explosion, lightning, or spontaneous combustion
- Liability for damage or injury to third parties caused by the use of the insured motor vehicle
- Damage to a third-party property
Dubai National Insurance Company
Dubai National Insurance Company has served over than 30+ years. It is established in 1991 and listed on the Dubai Financial Market (DFM). It offers a variety of insurance products encompass motor, life, medical, accident, property, liability insurance, and others.
DNIR Comprehensive Car Insurance Coverage & Addons –
Inclusions
- Third Party Damage
- Third Party Liability
- Damage to Your Vehicle
- Damages Due to Riots/ Strikes/ MD
- Loss of Personal Belongings
- Windscreen Damage
- Emergency Medical Expenses
- Ambulance Service
- No-Claim Discount Protection
- Taxi Fares
- Off Road Cover
- Agency Repair
Exclusions
- New Car Replacement in Case of Total Loss – Auto Gap
- Involuntary Loss of Employment Insurance
- Personal Accident for Employee/Worker
- Lock Replacement
- Valet Parking Theft Cover
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Natural Calamity Cover
- Replacement of Vehicle
- Roadside Assistance
- Oman Cover
DNIR Third-Party Car Insurance Coverage –
- Third-Party Property Damage
- Personal Accident Benefits
- Geographical Area – UAE
Salama Insurance
Salama Insurance is one of the oldest and biggest providers of Shariah-compliant Takaful services in the world which is operates from the UAE. It is well founded in 1979. With becoming a prominent domain and it listed on the Dubai Financial Market, with a paid-up capital of AED 939 Million ( 255 Million USD).
Salama Comprehensive Car Insurance Coverage & Addons –
Inclusions
- Third Party Liability
- Third Party Damage
- Damage to Your Own Vehicle
- Loss of Personal Belongings
- Windscreen Damage
- Emergency Medical Expenses
- Ambulance Service
- New Car Replacement in Case Total Loss – Auto Gap
- Lock Replacement
- Valet Parking Cover
- Off Road Cover
- Fire and Theft Cover
- Child Car Seat Replacement
- Agency Repair
- Car Registration Service
Exclusions
- Involuntary Loss of Employment Insurance
- Riots and Strikes
- International Driving Licence Discount
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Natural Calamity Cover
- Replacement of Vehicle
- Oman Cover
- Road Side Assistance
Salama Third-Party Car Insurance Coverage & Addons –
Inclusions
- Third Party Damage
- Third Party Liability
Exclusions
- Damage to Your Own Vehicle
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Road Side Assistance
Adamjee Insurance
Adamjee Insurance is set up in Pakistan in 1960 and it is come in UAE and became one of the most fast expanding insurance company. It offers the health insurance and car insurance policies in the UAE with providing the two plans that is comprehensive insurance and third party insurance plan.
Adamjee Comprehensive Car Insurance Coverage & Addons –
Inclusions
- Third Party Damage
- Third Party Liability
- Damage to Your Vehicle
- Damages Due to Strikes/ Riots/MD
- Windscreen Excess Waiver
- Fire & Theft Cover
Exclusions
- Loss of Personal Belongings
- Emergency Medical Expenses
- New Car Replacement in Case of Total Loss – Auto Gap
- Lock Replacement
- Involuntary Loss of Employment Insurance
- Valet Parking Theft Cover
- Agency Repair
- Airport Pick and Drop Service
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Natural Calamity Cover
- Replacement of Vehicle
- Roadside Assistance
Adamjee Third-Party Car Insurance Coverage & Addons –
Inclusions
- Third Party Damage
- Third Party Liability
Exclusions
- Damage to Your Vehicle
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Roadside Assistance
Tokio Marine Insurance
Tokyo Marine Insurance started in 1879 in Japan and was established in the UAE in 1976. Currently, it operates in about 40 countries and territories. It offers a wide range of insurance products under comprehensive plans and third-party liability plans.
Tokio Marine Comprehensive Car Insurance Coverage & Addons –
Inclusions
- Third Party Damage
- Third Party Bodily Injuries
- Ambulance Service
- Personal Injury
- New Car Replacement in Case of Total Loss
- Off Road Cover
- Fire & Theft Cover
- Car Hire Cash Benefit
- Accident & Breakdown Recovery
- Loss of Benefit Allowance
- Self Authorization Repairs
Exclusions
- N/A
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Natural Calamity Cover
- Oman Cover
Tokio Marine Third-Party Car Insurance Coverage & Addons –
Inclusions
- Third Party Damage
- Third Party Liability
- Ambulance Service
- Accident and Breakdown Recovery
- TPL Bodily Injuries
Exclusions
- N/A
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
Watania Takaful (Previously Noor Takaful)
Watania Takaful is well established in UAE in 2009 and stands as a reputed Islamic insurance provider. Watania Takaful offers major insurance options including medical, car, home, travel, family, and boat insurance.
Watania Takaful Comprehensive Car Insurance Coverage & Addons –
Inclusions
- Third Party Damage
- Third Party Liability
- Damage to Your Own Vehicle
- Damages Due to Strikes/ Riots/ MD
- Loss of Personal Belongings
- Windscreen Excess Waiver
- Emergency Medical Expenses
- Ambulance Service
- Taxi Fares
- New Car Replacement in Case of Total Loss – Auto Gap
- Personal Injury
- Lock Replacement
- Valet Parking Cover
- Off Road Cover
- Fire and Theft Cover
- Child Car Seat Replacement
- Agency Repair
- Off Road Recovery
- Emergency Repair Expense
Exclusions
- Involuntary Loss of Employment Insurance
- Airport Pick and Drop Service
Add-Ons
- Personal Accident (PA) Cover for Driver
- Personal Accident (PA) Cover for Passenger
- Natural Calamity Cover
- Replacement of Vehicle
- Oman Cover
- Road Side Assistance
Watania Takaful Third-Party Coverage –
- Third Party Property Damage
- Third Party Bodily Injury
FAQs
Conclusion
I hope you are completely clear on the subject of insurance. There are many insurance provider companies in UAE but people may worry about which insurance company is best for me. By going through the above mentioned one by one you can choose the one which is worth as much as you.
