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Aman car insurance in UAE
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Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Aman car insurance is Sharia-compliant motor takaful issued by Dubai Islamic Insurance & Reinsurance Co. (Aman) PJSC, a Dubai-based insurer licensed by the Central Bank of the UAE and listed on the Dubai Financial Market. Lookinsure quotes Aman car insurance in Dubai and every other emirate, with comprehensive and third-party cover shown side by side with other insurers, so you can compare car insurance quotes online before you commit.
This page covers what Aman car insurance includes and excludes, how to buy, renew and claim, where Aman insurance in Dubai is based, and what Aman's latest filings say about the company in 2026.
Aman insurance at a glance
Legal name
Dubai Islamic Insurance & Reinsurance Co. (Aman) PJSC
Insurance model
Takaful (Sharia-compliant)
Regulator
Central Bank of the UAE, listed on its register of licensed takaful insurers (checked September 2026)
Stock listing
Dubai Financial Market, ticker AMAN
Operating since
2002
Head office
Dubai
Motor cover on Lookinsure
Comprehensive and third-party
Ways to pay on Lookinsure
Card, or instalments with Tabby or Tamara
What is Aman takaful car insurance?
Aman takaful car insurance is motor cover run on Islamic cooperative principles: policyholders pay contributions into a shared fund, Aman manages that fund for a disclosed fee under the oversight of a Sharia supervisory board, and claims are paid from the pool rather than from the insurer's own profit.
The cover itself is not different in kind. Every UAE motor policy, takaful or conventional, is built on the Unified Motor Vehicle Insurance Policy issued by the Central Bank of the UAE, so an Aman policy protects you on the same legal terms as any other insurer's. If you want to see how Aman sits among the Sharia-compliant options, our guide to takaful car insurance in the UAE lists every takaful insurer that sells motor cover.
Aman car insurance plans
Aman sells two motor plans through Lookinsure. Comprehensive car insurance pays for damage to your own car as well as to other people, while third-party car insurance is the legal minimum and pays only for the damage and injury you cause to others.
| What happens | Aman comprehensive | Aman third-party |
|---|---|---|
| You damage another person's car or property | Covered | Covered, up to the Unified Policy limit of AED 2,000,000 per accident |
| You injure another person | Covered | Covered |
| Your own car is damaged in an accident | Covered, minus your excess | Not covered |
| Your car is stolen or catches fire | Covered | Not covered |
| Flood, storm or hail damage to your car | Covered | Not covered |
| Items stolen from inside the car | Only with a belongings add-on | Not covered |
| Meets the UAE legal requirement to register a car | Yes | Yes |
Which should you choose? Choose Aman comprehensive if your car is financed, less than five years old, or worth more than you could afford to repair or replace yourself. Choose Aman third-party only for an older, low-value car where you would pay for your own repairs anyway.
Add-ons to ask about
Extras change what an Aman policy pays for, and which ones are offered depends on the car's age, value and use. The four worth checking in your quote are listed below; price and availability for your car show up when you compare. If you drive on sand, off-road (4x4) cover matters most, because desert and dune driving is excluded from standard motor policies.
Agency repair
Repairs at the brand's authorised dealer with original parts, usually offered on newer cars only
Replacement car
A hire car for a set number of days while yours is repaired after a covered claim
Off-road cover
Extends cover to accidents while driving off paved roads
Personal belongings
Pays for items stolen from or damaged inside the car
What Aman car insurance does not cover
Aman's exclusions follow the Unified Motor Vehicle Insurance Policy, so they match most UAE insurers. A claim will be refused, and a policy can be voided, in these situations:
Driving under the influence
Any accident while the driver is under the influence of alcohol or drugs
Unlicensed or excluded drivers
A driver without a valid UAE licence, or one the policy excludes
Racing and speed tests
Damage during races, rallies or speed trials
Wear and breakdown
Engine, gearbox or electrical failure not caused by an accident
Undeclared modifications
Non-standard parts such as turbochargers not declared when you bought the policy
Deliberate damage or fraud
Self-inflicted damage, staged accidents or false claims
Aman insurance in Dubai and across the UAE
Aman insurance in Dubai is headquartered in the emirate, but its motor policies are not limited to Dubai. UAE motor insurance is federal, so an Aman policy is valid in all seven emirates, and Lookinsure quotes Aman for cars registered in Dubai, Abu Dhabi, Sharjah and the northern emirates.
If you are comparing car insurance in Dubai more broadly, Aman is one of several takaful options on the same quote screen. Cover in Oman is not automatic: check your Aman schedule for an Oman extension before you travel, and if it is not there, buy an Oman orange card at the border.
Aman company status in 2026
Aman is a licensed insurer that has been trying to sell its insurance business since 2023, and it still issues motor takaful policies, which Lookinsure quotes. Its own filings on the Dubai Financial Market set out what has happened.
| Date | What happened | Source |
|---|---|---|
| October 2022 | Aman announced a plan to leave general, health and group family takaful and become an investment holding company | Aman disclosure to the Dubai Financial Market |
| 29 December 2022 | Salama agreed to buy Aman's motor, medical, non-motor and group life portfolio | Salama and Aman announcements |
| 6 February 2023 | Aman's shareholders approved the exit and sale of the entire takaful portfolio | Aman financial statements |
| 1 August 2024 | Abu Dhabi National Takaful ended its agreement to buy Aman's individual life portfolio | Aman financial statements |
| 26 September 2024 | Salama ended its agreement to buy Aman's portfolio, so the motor business never transferred | Salama disclosure to the Dubai Financial Market |
| 5 June 2026 | Aman's first-quarter 2026 statements reported a minimum capital requirement shortfall and said the company is evaluating alternative strategies | Aman Q1 2026 financial statements |
Aman's first-quarter 2026 financial statements report a minimum capital requirement shortfall of AED 58.6 million against Central Bank of the UAE solvency rules (verified September 2026).
Aman has not merged into Salama, whatever some comparison sites still say. Salama car insurance is a separate insurer, and Aman policies remain Aman's contractual obligation. Aman's position is also different from a licence suspension: the Central Bank suspended YAS Takaful car insurance in August 2025, whereas Aman is still on the Central Bank's register.
What this means for you: an Aman policy is valid for registration and claims for its full term. Keep your policy schedule, and check your car insurance status online if you are unsure it is active. At renewal, compare Aman's price with the other takaful insurers before deciding.
How to buy Aman car insurance on Lookinsure
Buying Aman car insurance on Lookinsure takes a few minutes and ends with a digital policy. Lookinsure, not Aman, offers the option to pay for car insurance in instalments with Tabby or Tamara.
Step 1
Enter your car details
Make, model, year, emirate of registration and the main driver's details
Step 2
Compare Aman with other quotes
See Aman's comprehensive and third-party prices next to other insurers'
Step 3
Choose cover and add-ons
Pick the plan, excess and extras that suit your car
Step 4
Pay
By card, or in instalments with Tabby or Tamara
Step 5
Receive your policy
Your Aman policy is issued digitally, ready for registration
Documents you need
These are the documents you need for car insurance with Aman or any other UAE insurer:
Emirates ID
Front and back, for the policyholder
UAE driving licence
Valid licence for the main driver
Vehicle registration
Current registration card (mulkiya), or the dealer or customs papers for a new or imported car
Previous insurance
Your last policy and a no-claims letter, if you want a no-claims discount
How to renew Aman car insurance
You can renew Aman car insurance on Lookinsure up to your policy's expiry date by getting a renewal quote, checking it against other insurers, and paying online. Bring proof of your claims-free years, because a no-claims discount is one of the biggest levers on your renewal price.
If another insurer is cheaper, you can move at renewal without any gap in cover; our guide on how to change car insurance provider walks through it. To leave before the end of the term instead, you will need to cancel a car insurance policy with Aman directly.
Step 1
Get a renewal quote
Enter your current policy and car details on Lookinsure
Step 2
Compare and adjust
Check Aman's renewal price against other insurers and review your add-ons
Step 3
Pay and renew
Pay by card, Tabby or Tamara and receive the renewed policy digitally
How to make an Aman car insurance claim
Aman handles its own motor claims, so after an accident you deal with Aman directly. The process follows the same pattern as any UAE insurer, and our guide on how to claim car insurance in the UAE covers each step in more detail.
Step 1
Get a police report
Report the accident to the police; no claim is paid without a report
Step 2
Notify Aman
Tell Aman's claims team as soon as possible
Step 3
Submit your documents
Send the claim form with the supporting documents listed below
Step 4
Assessment and repair
Aman inspects the damage and approves the repair at a garage in its network
Step 5
Settlement
Aman pays the garage or you, according to your policy terms
Documents for an Aman claim
Police report
The accident report issued by the police
Completed claim form
Aman's motor claim form, signed
Licence and registration
Copies of the driver's licence and the car's registration card
Photos
Clear photos of the damage and the scene
Emirates ID
A copy for the policyholder
Aman roadside assistance
Aman's motor page gives 8004900 as its roadside assistance number, which is the toll-free line of the Arabian Automobile Association that services the cover. Roadside help on Aman policies covers breakdown towing, battery jump-starts, fuel delivery and flat tyres; check your schedule, since it depends on the plan. If your policy lacks it, roadside assistance cover can be added when you buy.
Aman compared with other takaful car insurers
Aman is one of a small group of takaful insurers selling motor cover in the UAE, and the one to compare it with first is whichever is cheapest for your car. On Lookinsure, the closest alternatives are Salama car insurance, Methaq car insurance and Watania car insurance, all of which quote comprehensive and third-party takaful cover.
If Sharia compliance is not a requirement, you can widen the search and compare every UAE car insurance provider on the same screen.
- Orient car insurance (includes Orient Takaful)
Frequently asked questions
Yes. Aman is licensed by the Central Bank of the UAE and still issues motor takaful policies, which Lookinsure quotes. Its shareholders approved a plan in 2023 to sell the insurance business, but both buyers pulled out in 2024, and Aman's June 2026 filing says it is evaluating alternative strategies.
No. Salama agreed in December 2022 to buy Aman's motor, medical and other portfolios, but it ended that agreement on 26 September 2024. Aman remains a separate company listed on the Dubai Financial Market, and existing Aman policies are still Aman's responsibility, not Salama's.
Yes. You can renew Aman car insurance on Lookinsure before your policy expires by entering your current policy details, comparing Aman's renewal price with other insurers and paying by card, Tabby or Tamara. Have your no-claims letter ready, as it can lower the premium noticeably.
8004900 is the roadside assistance number shown on Aman's motor insurance page. It is the toll-free line of the Arabian Automobile Association, which handles towing, battery jump-starts and fuel delivery for eligible Aman policies. Check your policy schedule to confirm roadside cover is included before you call.
Yes. Aman, legally Dubai Islamic Insurance & Reinsurance Co., is a takaful operator, so its car insurance is Sharia-compliant. Policyholders contribute to a shared fund that Aman manages for a fee under a Sharia supervisory board, while the cover still follows the UAE's Unified Motor Vehicle Insurance Policy.
Aman's head office is in Dubai, but you do not need to visit it to buy cover. Aman car insurance can be bought and renewed online through Lookinsure for cars registered in any emirate, while claims are handled directly by Aman's claims team.
Not automatically. A UAE motor policy covers driving in the UAE, and Oman cover depends on whether your Aman policy includes an Oman extension. Check your policy schedule before the trip; if Oman is not listed, buy an Oman orange card at the border crossing.
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