Fidelity Insurance Company in UAE

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Regulated by the Government of Dubai

Fidelity United is a long-established insurer in the local market, offering motor, medical, and other general coverage lines. If you are comparing Fidelity Insurance options, especially for car insurance in UAE, it helps to understand how the company structures its different policies and what each product category includes.

Fidelity Insurance in UAE

Operating in the UAE since 1976, Fidelity United was formed through a partnership between United Insurance Company and Lebanon’s Fidelity Assurance and Reinsurance. Over the years, it has expanded its portfolio to serve both individuals and corporate clients.

Here’s a quick snapshot of the Fidelity Insurance Company in the UAE:

Established presence in the UAE insurance market since 1976
Offers motor, health, and other general insurance solutions
Individual and corporate (group) policy options
Network-based medical coverage (through TPAs such as Nextcare for health plans)
Branch offices across major emirates
Toll-free customer support line available nationwide

The company focuses on practical policy structures so customers can choose according to budget and risk level.

Why Choose Fidelity Insurance in Dubai

When evaluating Fidelity insurance plans, these are some of the factors that stand out:

Multi-emirate presence: Offices in Dubai, Abu Dhabi, Sharjah, Fujairah, and Ras Al Khaimah.
Wide insurance scope: From car insurance (mandatory in the UAE) to medical and other general coverage.
Customizable motor policies: Add-ons such as off-road cover, zero depreciation, and rental car benefits.
Structured health benefits: Defined yearly limits, maternity options, dental/optical (plan-based), and clear pre-authorization rules.
Corporate solutions: Group health and fleet motor options for businesses.
Buy-now-pay-later motor options: Installment facilities available through selected payment partners.

For residents in Dubai and other emirates, the combination of physical branch access and phone-based assistance makes it easier to manage renewals, claims, and policy adjustments.

Types of General Insurance Offered by Fidelity Insurance Company

Below is a summary of the main product categories.

1. Motor Insurance

You can read the full details on the dedicated Fidelity car insurance page. In short, Fidelity offers:

Comprehensive Motor Insurance

Own damage cover (accidents, theft, fire, natural disasters)
Third-party liability (property damage up to AED 5 million; bodily injury as per UAE law)
Optional add-ons such as off-road cover and zero depreciation

Third-Party Liability Insurance

Mandatory legal cover in the UAE
Covers third-party injury and property damage
Add-ons available for fire and theft

2. Health Insurance

Full details are available on the Fidelity health insurance page. Plans typically include:

In-patient and out-patient treatment
Emergency cover (24/7)
Diagnostic tests and scans
Maternity (plan-based)
Dental and optical (selected plans)
Network-based direct billing and reimbursement options

3. Other General Lines

Under Fidelity general insurance plans, the company also operates in broader general insurance categories beyond motor and health, such as:

Property-related coverage
Liability insurance
Corporate risk solutions

These fall under the broader structure of the Fidelity general insurance company operations in the UAE.

Fidelity Insurance Company Claim Process in Dubai

Below is a simplified comparison of how claims are handled for motor and health policies.

Motor Insurance Claims

Steps:

Report the accident to the police (mandatory in UAE).
Contact Fidelity to notify the claim.
Submit required documents:

Police report
Vehicle registration card
Claim form
Repair estimate (from approved garages)

Claim assessment by a surveyor.
Repair approval and settlement.

For minor damages, settlement timelines can be relatively quick once documentation is complete.

Health Insurance Claims

Health claims usually fall into two categories:

Inside Network (Cashless / Direct Billing)

Visit a network hospital/clinic
Present Emirates ID or medical card
Pay co-pay/deductible if applicable
Insurer settles approved amount directly with provider

Outside Network (Reimbursement)

Pay first
Collect original invoices, reports, and prescriptions
Submit through portal/app or branch
Settlement typically processed within around 15 working days (subject to document verification)

Pre-authorization is required for in-patient admissions, surgeries, high-value diagnostics, maternity, physiotherapy, dental, optical, and alternative treatments.

Customer Support & Contact Details for Fidelity Insurance

If you need assistance, the Fidelity insurance phone number is the same nationwide:

Toll Free: 800 842

Head Office – Dubai

The Opus Tower, Block B, Office B703
Business Bay, Dubai, UAE
Fax: +971 4 2502504
Working Hours: Monday–Friday, 08:00 am – 05:00 pm

Abu Dhabi Branch

Bloom Central Building, 4th Floor, Office 407
Airport Road, Al Manhal, Abu Dhabi
Fax: +971 2 6263526

Fujairah Branch

Fujairah Tower, Office 704
Fujairah, UAE
Fax: +971 9 2220294

Ras Al Khaimah Branch

Fidelity United Building, Al Dhaith South
Ras Al Khaimah, UAE
Fax: +971 7 2353213

Sharjah Branch

City Gate Tower, 19th Floor, Office 1903
Etihad Road, Sharjah, UAE
Fax: +971 6 5681586

Frequently Asked Questions

It depends on the policy type. Motor policies cover third-party liability (mandatory) and, under comprehensive plans, own vehicle damage. Health policies cover in-patient, out-patient, and emergency treatment (subject to limits). Other general lines may include property and liability coverage.

For motor claims, report the incident, obtain a police report, and submit required documents to Fidelity. For health claims, use direct billing within the network or submit reimbursement documents through the app, portal, or branch.

You can call 800 842, visit a branch office, or use the contact section on their official website.

Generally, yes, provided the driver holds a valid UAE driving license and complies with policy terms. Unauthorized or unlicensed drivers are excluded.

Yes, off-road coverage is available as an add-on to comprehensive motor policies. Standard plans do not automatically include desert driving protection.