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YAS Takaful car insurance in the UAE
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Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
YAS Takaful car insurance was a Sharia-compliant motor takaful product sold in the UAE by YAS Takaful PJSC, an Abu Dhabi insurer founded in 2008 and known until 2020 as Al Hilal Takaful. On 18 August 2025 the Central Bank of the UAE suspended the company's licence, so YAS Takaful can no longer issue or renew motor policies. It remains responsible for every contract signed before that date.
This page explains what the suspension means for existing policyholders, what the cover included, and where to go for takaful cover you can still buy today.
Takaful car insurance alternatives you can still buy
Sharia-compliant motor cover is widely available in the UAE, and switching operator does not mean giving up the takaful structure. If the takaful model is what mattered to you, start with the takaful car insurance in the UAE overview, which sets out how the participant fund and surplus distribution work across operators.
Among operators currently writing motor business, Methaq car insurance has the widest approved-garage network of the UAE takaful providers, and Salama car insurance is the longest-established name in the segment.
One caution when you compare. Watania Takaful car insurance and Noor Takaful car insurance are the same underwriter following a 2023 group rename, so treat quotes from the two as one option rather than two.
If you would rather widen the field beyond takaful operators, the market review of the best car insurance companies in Abu Dhabi covers conventional insurers on the same criteria.
Why YAS Takaful stopped selling car insurance
The Central Bank of the UAE suspended the licence of YAS Takaful PJSC on 18 August 2025 under Article 33(2)(k) of Federal Decree Law No. (48) of 2023 Regulating Insurance Activities, citing the company's failure to comply with the regulatory framework governing insurance companies in the UAE. The regulator's statement is the primary source for everything on this page, and it is unambiguous on one point: YAS Takaful remains liable for all rights and obligations arising from insurance contracts concluded before the suspension.
A suspension is not the same thing as a closure. The company keeps its legal existence and its obligations to existing customers, but it cannot write new business or renew expiring policies while the suspension stands. As of September 2026 the suspension has not been lifted, the company's own website is a holding page, and no reinstatement has been published by the Central Bank.
What changed
No new YAS Takaful policies, no renewals, and no transfers of ownership onto a YAS Takaful policy.
What did not change
Policies issued before 18 August 2025 remain contracts the company is legally bound to honour, including claims.
Who decides next
Only the Central Bank of the UAE can lift, extend or escalate the suspension. Announcements are published on centralbank.ae.
What the suspension means if you hold a YAS Takaful policy
If your certificate was issued before 18 August 2025, your cover runs to its stated expiry date and your right to claim under it survives the suspension. What you cannot do is renew it with YAS Takaful. When the policy lapses you need a new insurer, and because UAE law requires at least third-party motor cover for every registered vehicle, that has to be arranged before your current certificate expires — not after.
The practical deadline is your vehicle registration renewal. The RTA and the other emirates' licensing authorities will not renew a Mulkiya without a valid insurance certificate, so a lapsed YAS Takaful policy becomes a registration problem within days. Give yourself the full 30-day window insurers normally allow and compare car insurance quotes online before the expiry date rather than on it.
Replacing the cover is the straightforward part. If you were on a full-cover plan you are looking for comprehensive car insurance with a comparable agreed value and deductible; if you were on the minimum legal plan, third-party car insurance is the equivalent. As a rule of thumb, comprehensive premiums in the UAE run between 1.3% and 3% of a car's market value per year, so a vehicle valued at AED 60,000 usually sits somewhere between AED 780 and AED 1,800 — a useful sanity check when you compare what YAS Takaful charged against what you are quoted now.
If the timing is awkward, the cost can be spread. Lookinsure lets you settle a new policy over four interest-free payments — car insurance with Tabby or car insurance with Tamara — and you can also pay car insurance in instalments without changing the cover you get.
How to claim on an existing YAS Takaful motor policy
Claims under pre-suspension policies are still the company's responsibility, and the process has not changed. Report the incident promptly — most UAE motor policies require notification within a short window of the event, and a late report is one of the few grounds on which a valid claim can still be declined.
Step 1
Secure the police report
Call the police from the scene and obtain the accident report. No UAE motor claim proceeds without it.
Step 2
Photograph the damage
Photograph the vehicle, the scene and any third-party details before anything is moved or repaired.
Step 3
Notify YAS Takaful
Call 800 889 or email [email protected] with your policy number and the report reference.
Step 4
Submit the file
Send the completed claim form, police report, driving licence, Mulkiya and repair estimate together.
Step 5
Keep your own record
Retain dated copies of everything you send. With a suspended insurer, a documented paper trail matters more than usual.
If a claim on a pre-suspension policy is refused or goes unanswered, the escalation route is the Central Bank of the UAE's insurance complaints channel, which handles disputes with licensed and suspended insurers alike.
What YAS Takaful motor insurance covered
The detail below describes the cover as it was sold, so existing policyholders can check what their own certificate should include. It is not an offer — no YAS Takaful policy can be bought or renewed today. Your policy schedule and the Unified Motor Vehicle Insurance Policy govern in every case where the two differ.
YAS Takaful motor insurance came in the two forms every UAE insurer offers, and the choice between them turns on one question: the value of the car. Choose comprehensive if your vehicle is financed or worth more than roughly AED 30,000; third-party liability is the sensible economy only on older cars you could afford to replace yourself.
| Coverage area | Comprehensive | Third-party liability (TPL) |
|---|---|---|
| Protection level | Extensive, all-round coverage | Basic, legally required coverage |
| Own vehicle damage | Covered — accidents, fire, theft, natural disasters | Not covered |
| Theft and fire | Covered | Not covered |
| Natural disasters | Covered — floods, sandstorms, hail | Not covered |
| Third-party bodily injury | Covered | Covered |
| Third-party property damage | Covered up to AED 5 million | Covered up to AED 5 million |
| Windscreen repair | Included | Not covered |
| Courtesy car during repairs | Included, up to 7 days | Not covered |
| UAE legal compliance | Yes | Yes |
| Best suited to | New or high-value cars needing full protection | Older cars, budget-focused drivers |
Optional add-ons that were available
Comprehensive plans could be extended with the covers below. If any of these appear on your schedule, they remain part of the contract for its remaining term.
Off-road protection
Desert and dune driving, priced at AED 500 a year. The same exclusion applies at most UAE insurers — see 4x4 car insurance
Personal belongings
Theft of items from inside the vehicle, up to AED 2,500 — equivalent to personal belongings cover
Personal accident cover
Driver and passenger injury benefits, the standard personal accident cover extension.
Engine cover
Mechanical and electrical failure, which a standard motor policy never includes.
Rental car
A hire vehicle for up to 10 days while yours is being repaired
Zero depreciation
Waives the deduction applied to replacement parts when a claim is settled.
What was never covered
Illegal activity
Driving under the influence, racing, and any driver without a valid licence.
Wear and tear
Tyre degradation, battery failure and ordinary mechanical ageing.
Undeclared modifications
Non-standard parts fitted without notifying the insurer.
Deliberate damage
Any loss the policyholder caused on purpose.
War and terrorism
Riots, civil unrest and nuclear events, excluded across the UAE market.
YAS Takaful company profile and contact number
YAS Takaful PJSC is an Abu Dhabi takaful operator founded in 2008 as Al Hilal Takaful and renamed after Siraj Holding acquired it in 2020. It wrote motor, health, travel and property takaful under a risk-sharing model in which participants contribute to a common fund, surplus can be returned to participants, and interest-bearing instruments are excluded — the structural difference between takaful and conventional insurance.
Founded
2008, as Al Hilal Takaful
Renamed
2020, after acquisition by Siraj Holding
Insurance type
Takaful — Sharia-compliant risk sharing
Head office
Building 72, Al Ramala Street, Al Nahyan Camp, Abu Dhabi. P.O. Box 111644
Regulator
Central Bank of the UAE
Licence status
Suspended since 18 August 2025
The YAS Takaful insurance contact number is 800 889 and the customer email is [email protected], both still shown on the company's holding page as of September 2026. A WhatsApp line on 050 742 1852 has also been published, though it could not be independently confirmed while the company's website is offline.
The YAS Takaful Abu Dhabi office at Al Nahyan Camp remains the registered address for written correspondence, and because most of the company's motor book sat in the capital, drivers replacing this cover are usually comparing car insurance in Abu Dhabi. Anyone searching for YAS Takaful medical insurance is looking at a separate product line, affected by the same suspension; Lookinsure does not currently list a YAS Takaful health page.
YAS Takaful reviews: what Abu Dhabi and Dubai customers reported
The verdict is straightforward: this is not an insurer to buy from, and the regulator has made that decision for you. That is a statement about licence status, not about service quality, and it is the only judgement on this page that rests on documented fact rather than opinion.
On service itself, the public record is thin and mixed. Reviews of YAS Takaful in Abu Dhabi and Dubai cluster around claims turnaround and the difficulty of reaching a case handler, which is the ordinary complaint pattern for UAE motor insurers and not distinctive to this one. Public ratings are also skewed by the well-documented tendency for dissatisfied customers to be far likelier to post than satisfied ones. Lookinsure does not publish a star rating for YAS Takaful, because there is no verified first-party dataset behind one — and inventing a score for a suspended insurer would be worse than useless.
The more useful signal is the regulatory one. A suspension under Article 33(2)(k) follows a compliance failure serious enough for the Central Bank to stop the company writing business, and no amount of positive service feedback offsets that when you are choosing where to place a new policy.
Frequently asked questions
A suspension stops an insurer writing new business or renewing policies, but does not dissolve the company or cancel existing contracts. Under Federal Decree Law No. (48) of 2023, the insurer stays liable for policies concluded before the suspension date. Only the Central Bank of the UAE can lift or extend it.
YAS Takaful publishes 800 889 as its customer line and [email protected] as its email, both still shown on the company's holding page in September 2026. Directory listings also carry +971 800 22 00 22 and 02 245 1601. Its head office is in Al Nahyan Camp, Abu Dhabi.
A number has been published — 050 742 1852 — but it cannot be independently confirmed while the company's website is offline. Treat the 800 889 phone line and the [email protected] address as the reliable channels for a suspended insurer, and keep written records of every contact you make.
Public feedback on YAS Takaful in Abu Dhabi and Dubai is mixed, focusing on claims turnaround and reaching a case handler — the usual complaint pattern for UAE motor insurers. Lookinsure does not publish a rating, because no verified dataset supports one. The decisive fact is the licence suspension, not the reviews.
No. The Central Bank suspension applies to YAS Takaful PJSC as a licensed insurer, so it covers health and travel takaful as well as motor. Members on a pre-suspension health plan keep their contractual rights for the remaining term, but the plan cannot be renewed with YAS Takaful.
Cancelling a UAE motor policy mid-term normally returns a pro-rata share of the contribution, less an administration charge, and requires proof the vehicle is insured elsewhere or deregistered. Request it in writing from YAS Takaful and keep the acknowledgement. Escalate to the Central Bank if you get no response.
Yes, but not with YAS Takaful. Comparing and renewing Sharia-compliant motor cover online through Lookinsure takes a few minutes: enter your vehicle and Emirates ID details, compare quotes from operators currently writing business, pay in full or over four interest-free instalments, and download the certificate immediately.
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