Aman Car Insurance (Dubai Islamic Car Insurance)
Flexible installments to pay later with
And
Regulated by the Government of Dubai
Aman Insurance or Dubai Islamic Insurance was established about 20 years ago as a leading player in the insurance landscape of Dubai, offering tailored solutions for the diverse needs of its clients. With a commitment to ethical practices and customer-centric services, it has become a trusted name, particularly within the community seeking Islamic insurance options.
Aman Car Insurance Overview
Aman Insurance (Dubai Islamic Insurance & Reinsurance Company) has delivered Sharia-compliant coverage across the UAE since 2002. Regulated by the UAE Central Bank, Aman Insurance Plans blends ethical principles with comprehensive protection. Key features include 24/7 claims support, competitive premiums, and flexible Tabby/Tamara installments.
Types of Car Insurance Plans Offered by Aman Insurance
Comprehensive Coverage:
Full protection for accidents, theft, fire, natural disasters, and third-party liabilities.
Includes free 24/7 roadside assistance (toll-free: 8004900) and agency repairs (valid 2 years post-registration)5.
Third-Party Liability:
Mandatory UAE coverage for third-party bodily injury/property damage.
Excludes own-vehicle repairs but meets legal requirements
Takaful Services
As part of its commitment to Islamic finance, the company provides Takaful insurance (cooperative insurance) solutions that offer collective pooling of resources, emphasizing mutual assistance among participants while strictly adhering to Islamic principles.
Benefits of Dubai Islamic Insurance in Dubai
Choosing Dubai Islamic Insurance offers numerous advantages for individuals and businesses seeking ethical insurance solutions. Here are some key benefits:
Shariah Compliance
All policies are designed to comply with Islamic principles, ensuring that you engage in ethical financial practices.
Comprehensive Coverage
Dubai Islamic Insurance offers a wide range of products that address diverse needs, from personal health to commercial liability.
Competitive Premiums
Customers benefit from competitive pricing on insurance products or in other words, affordability without compromising on quality.
Free roadside assistance
Towing, fuel delivery, and flat tire help.
Vehicle replacement service:
5 days: 180 AED | 10 days: 350 AED | 15 days: 450 AED
What is covered under Methaq Motor Insurance Plans?
| Included | Excluded |
|---|---|
| Accident repairs | Mechanical breakdowns |
| Theft & fire damage | Intentional damage |
| Third-party liabilities | Off-road incidents* |
| Natural disasters | Racing events |
Add-ons for Aman Car Insurance Plans
Agency Repairs: OEM parts for new cars (2-year validity).
Rental Car Cover: Up to 15 days post-accident.
Off-Road Protection: Desert driving incidents.
Zero Depreciation: Waives value deduction on parts (ideal for cars ≤5 years).
What is not covered under Aman Car Insurance Plans?
Universal Exclusions (Apply to All Plans)
Off-Road Accidents:
Damages from desert driving, dune bashing, or off-road terrain (unless the "Off-Road Add-on" is purchased).
Mechanical/Electrical Failures:
Engine breakdowns, clutch issues, or wear-related part failures unrelated to collisions.
Intentional Damage or Fraud:
Self-inflicted damage, staged accidents, or fraudulent claims.
Illegal Activities:
Accidents during racing, speed tests, or while driving under influence (alcohol/drugs).
Unlicensed Drivers:
Damages caused by drivers without a valid UAE license or excluded from the policy.
Unreported Modifications:
Non-standard parts (e.g., turbochargers) not declared during purchase
Exclusions Specific to Third-Party Liability Plans
Own-Vehicle Repairs:
Zero coverage for damages to your car (e.g., from collisions, floods, or theft).
Natural Disasters:
Floods, storms, or hail damage to your vehicle (requires Comprehensive plan).
Theft/Vandalism:
Loss or damage from theft, burglary, or vandalism.
Personal Belongings:
Items stolen from inside the car (e.g., laptops, bags).
Documents Required to Buy Dubai Islamic Car Insurance
When buying or renewing Dubai Islamic Insurance, you will typically need to provide the following documents:
- Identification: A copy of your Emirates ID or passport.
- Proof of Address: Recent utility bills or rental agreements verifying your current address.
- Vehicle Documents: For car insurance, provide vehicle registration documents, driving license, and previous insurance policy if applicable.
- Medical History: If applying for health insurance, a basic medical history might be required, along with any pre-existing condition disclosures.
- Proof of Income: Salary slips or bank statements may be requested for certain insurance products, particularly for life insurance.
How to File Dubai Islamic Insurance Claim
The most important part of using a policy is when you have a car accident. Filing a claim with Dubai Islamic Insurance can be done through our website in no time. You can also do it by yourself by following these steps:
- Notify the Company: As soon as an incident occurs, contact Dubai Islamic Insurance to report the event. This can typically be done via phone or through their website.
- Fill Out the Claim Form: Complete the claim form provided by Dubai Islamic Insurance, detailing the incident and the nature of the claim.
- Prepare Supporting Documents: Gather all necessary documentation related to the claim (Listed below)
- Submit Your Claim: Send the completed claim form along with the supporting documents to Dubai Islamic Insurance. This can usually be done online or by visiting a local office.
- Follow-up: Keep track of your claim's status by following up with the claims department at Dubai Islamic Insurance.
- Receive Claim Decision: Once your claim is processed, you will be informed of the outcome. If approved, the compensation will be processed as per the terms of your policy.
Documents Required for Aman Car Insurance Claim
- Police reports (if applicable)
- Medical reports (for health claims)
- Photographs of damages or losses
- Any other relevant documents
How to Renew Dubai Islamic Insurance?
Begin by reviewing your current policy to check the coverage, premium, and renewal date. Once you have this information, contact Lookinsure via our website or customer service. Our insurance experts can assist you with any updates that may be needed if your circumstances, such as address or vehicle details, have changed.
Log in to Lookinsure.
Select "Renew Policy," adjust coverage/add-ons.
Pay via card/Tabby/Tamara.
Receive digital policy instantly
Why Buy Aman Car Insurance?
20+ Years Expertise: Backed by Dubai Islamic Bank.
Fleet Discounts: Up to 30% for safe drivers with clean records.
Door-to-Door Renewals: Convenient policy updates at minimal cost.
Rapid Claims: Average 48-hour settlement for minor damages.