Adamjee Car Insurance UAE: Compare Prices & Buy Online
Flexible installments to pay later with
And
Regulated by the Government of Dubai
Adamjee car insurance offers comprehensive and third-party motor insurance solutions for drivers across the UAE. Through Lookinsure, you can compare Adamjee quotes online, review coverage benefits against other insurers, choose the right plan for your vehicle, and complete your purchase online in minutes.
Adamjee Car Insurance Overview
Adamjee Car Insurance combines 60+ years of industry expertise with tailored solutions for UAE drivers who are looking for the best car insurance policies available. Regulated by the UAE Central Bank, it offers both Comprehensive and Third-Party Liability plans, ensuring compliance with local laws while prioritizing customer safety. Key features include 24/7 claims support, competitive premiums, and, through Lookinsure, flexible payment options like Tabby and Tamara (interest-free installments).
Category | Details |
Founded | 1960 (Adamjee Insurance Group heritage; UAE operations through licensed regional presence) |
UAE Availability | Available through UAE brokers and online aggregators under UAE insurance regulation |
Coverage Types | Comprehensive motor insurance, Third Party Liability (TPL), optional add-ons depending on policy |
Installment Options | Typically available via partner payment plans (credit card instalments, Tabby/Tamara depending on broker availability) |
Claims Support | Claims handling through insurer-approved process; includes accident reporting, assessment, and repair authorization |
Repair Network | Approved garage network with agency repair available on select plans |
Specialty/Niche Fit | Budget-conscious drivers, older vehicles, imported cars, and customers seeking flexible underwriting |
Is Adamjee Car Insurance Right for You?
Adamjee may be a strong fit for drivers who want practical coverage at competitive pricing and who care more about affordability and flexibility than premium-brand positioning.
Adamjee may be a good fit if you want… | Why |
Competitive comprehensive pricing | Value-focused positioning |
Affordable TPL coverage | Practical everyday option |
Coverage for imported/non-GCC cars | Broader underwriting appetite |
Flexible insurer options | Useful for difficult-to-insure vehicles |
Practical add-ons | Roadside assistance and everyday benefits |
Online comparison before buying | Easy quote comparison through Lookinsure |
Adamjee is often discussed among UAE drivers looking for comprehensive insurance for non-GCC or imported vehicles, where some insurers may decline coverage entirely.
Adamjee Comprehensive vs Third-Party Car Insurance
Before comparing insurers, drivers should first decide whether they need only mandatory liability protection or broader protection for their own vehicle as well.
Feature | Adamjee Comprehensive Insurance | Adamjee Third-Party Insurance |
Starting Premium | AED 1,675 | AED 975 |
Vehicle Damage Cover | Included | Not covered |
Declared Vehicle Value | AED 30,242 | Not applicable |
Third-Party Injury & Death Liability | Included | Included |
Third-Party Property Damage | Included up to policy limit | Included up to policy limit |
Fire & Theft Cover | Included | Not covered |
Natural Disaster Cover | Included | Not covered |
Windscreen Protection | Included | Not covered |
Personal Accident — Driver | Included | Included |
Personal Accident — Passenger | Included | Included |
Roadside Assistance | Included (24/7) | Optional (+AED 10) |
Replacement Vehicle | Included for up to 10 days (non-fault claims) | Not included |
Nationwide UAE Coverage | Included | Included |
Repair Type | Workshop repair through approved garages | Not applicable |
Agency Repair Upgrade | Available free of charge | Not available |
Premium Garage Upgrade | Available free of charge | Not available |
Best For | Drivers wanting protection for their own vehicle and broader benefits | Drivers mainly seeking affordable legal liability coverage |
Adamjee’s comprehensive plans emphasize own-damage protection, roadside assistance, emergency support, and additional practical benefits beyond basic legal liability cover.
Note: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
Adamjee vs DNI vs RAK Prices — Third-Party Car Insurance
Third-party insurance is often chosen by drivers looking for the lowest practical legal cover. However, liability limits, roadside support, and personal accident benefits may matter just as much as the premium itself.
TPL Comparison Point | Adamjee | Dubai National Insurance (DNI) | RAK Insurance | How to Interpret It |
Basic Premium | AED 975 | AED 728 | AED 1,019.62 | Starting price before add-ons |
Third-Party Bodily Injury or Death | Covered as per UAE policy wording | Covered as per UAE policy wording | Unlimited liability | Core legal liability protection |
Third-Party Property Damage | Covered up to policy limit | Covered as per policy terms | Up to AED 2,000,000 | Important for damage caused to another vehicle/property |
Personal Accident — Driver | Included | Included | Included | Driver injury/death protection |
Personal Accident — Passengers | Included | Not specified in base plan | Included | Important for family/private-use vehicles |
Personal Accident — Family Members | Not specified | Not specified | Included | Additional household protection |
Personal Accident — Employees | Not specified | Optional add-on | Included | Useful for drivers employing chauffeurs/helpers |
Ambulance Services | Not specified | Not specified | Up to AED 6,770 per person | Post-accident emergency support |
Roadside Assistance | Optional (+AED 10) | Included (Normal IMC Package) | Included | Practical everyday breakdown support |
Oman Extension / Orange Card | Not included | Not specified | Optional annual Orange Card (+AED 650) | Important for Oman travel |
Nationwide UAE Coverage | Included | Included | Included | Standard UAE territorial coverage |
Compare Adamjee third-party insurance prices with RAK, Dubai National Insurance (DNI), and other UAE insurers before choosing the right policy.
Note: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
Adamjee vs DNI vs RAK Prices — Comprehensive Car Insurance
Comprehensive insurance should be compared based on total protection, not only premium price. Some policies may justify a higher premium through broader benefits or stronger repair flexibility.
Comprehensive Comparison Point | Adamjee | Dubai National Insurance (DNI) | RAK Insurance | How to Interpret It |
Basic Premium | AED 1,675 | AED 1,700 | AED 1,829.25 | Base comprehensive price |
Declared Vehicle Value | AED 30,242 | AED 36,962 | AED 36,585 | Total-loss/theft settlement basis |
Repair Type | Workshop repair | Workshop repair | Workshop repair | Approved-network garage coverage |
Own Damage Cover | Included | Included | Included | Core comprehensive protection |
Fire & Theft Cover | Included | Included under own damage | Included | Protection against non-collision loss |
Third-Party Bodily Injury or Death | Included | Included | Unlimited liability | Liability to others |
Third-Party Property Damage | Included up to policy limit | Included | Up to AED 3,500,000 | Important for expensive third-party claims |
Driver Personal Accident Benefit | Included | Included | Included | Driver injury/death protection |
Passenger Personal Accident Benefit | Included | Family & friends benefit included | Included | Passenger protection |
Family Members Accident Benefit | Not specified | Included | Included | Useful for household drivers/passengers |
Employee Accident Benefit | Not specified | Included | Included | Relevant for employed drivers/helpers |
Emergency Medical Expenses | Not specified | Up to AED 5,000 | Up to AED 5,000 | Medical-expense support after accidents |
Ambulance Services | Not specified | Included | Up to AED 6,770 per person | Emergency transportation support |
Windscreen Cover | Included | Up to AED 3,500 | Up to AED 2,000 | Common practical damage benefit |
Personal Effects / Belongings | Not specified | Up to AED 5,000 | Up to AED 5,000 | Coverage for belongings inside vehicle |
Roadside Assistance | Included (24/7) | Included (IMC Gold) | Included UAE + Oman | Breakdown and towing support |
Replacement Vehicle | 10 days (non-fault only) | Optional 7 days (+AED 150) | Courtesy-car cashback benefit | Important during repair downtime |
Natural Disaster / Flood Cover | Included | Included | Included | Important in UAE weather conditions |
Oman / GCC Extension | UAE only | Oman extension available | GCC own-damage cover included | Important for cross-border driving |
Orange Card | Not specified | Required for Oman | Two free Oman trips included | Useful for Oman travelers |
Off-Road Cover | Not specified | Not specified | Included for 4x4 vehicles | Relevant for SUVs/4x4s |
New Car Replacement | Not specified | Not specified | Included up to 6 months | Valuable for new-car buyers |
Key Replacement / Locks | Not specified | Not specified | Up to AED 5,000 | Convenience/security benefit |
Agency Repair Option | Free add-on | Not specified | Not specified | Important for newer vehicles |
Premium Garage Repair | Free add-on | Not specified | Not specified | Better repair-quality positioning |
Compare Adamjee comprehensive insurance side by side before buying the right protection for your car.
Note: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
Which Insurer Should You Choose: Adamjee, DNI, or RAK?
There is no single best insurer for every driver. The right choice depends on your budget, vehicle type, and whether you prioritize premium-brand positioning, affordability, or flexibility.
Your Priority | What to Check | Likely Direction |
Lowest TPL premium | Basic premium | DNI |
Cheapest practical comprehensive option | Premium vs core benefits | Adamjee |
Better repair positioning | Agency/premium garage repair | Adamjee |
Strongest overall benefits | Roadside + GCC + ambulance + personal effects | RAK Insurance |
Oman/GCC driving | GCC extension + Orange Card | RAK Insurance |
Stronger roadside support | Included support quality | DNI or RAK |
Family/passenger protection | Passenger/family PAB | RAK Insurance |
Everyday-value comprehensive cover | Price vs practical benefits | Adamjee |
Maximum feature depth | Total included benefits | RAK Insurance |
If your priority is affordable practical coverage or finding an insurer willing to cover harder-to-insure vehicles, Adamjee may become more attractive than insurers focused more heavily on premium-market positioning.
Adamjee Car Insurance Benefits and Add-ons
Benefit/Add-on | What It Means | Availability |
Third-Party Liability | Covers injury, death, or property damage caused to others | TPL & Comprehensive |
Own Damage Cover | Covers damage to the insured vehicle | Comprehensive only |
Personal Accident — Driver | Financial protection for the driver in case of injury or death | TPL & Comprehensive |
Personal Accident — Passenger | Covers passengers injured during an accident | TPL & Comprehensive |
24/7 Roadside Assistance | Emergency towing, battery support, breakdown help, and related services | Included in Comprehensive / Optional in TPL (+AED 10) |
Replacement Vehicle | Replacement car for up to 10 days in eligible non-fault claims | Comprehensive |
Windshield Protection | Covers windshield repair or replacement | Comprehensive |
Natural Disaster Cover | Covers damage caused by floods, storms, and similar events | Comprehensive |
Fire & Theft Cover | Protection against vehicle theft or fire damage | Comprehensive |
Nationwide UAE Coverage | Insurance protection across all UAE emirates | TPL & Comprehensive |
Workshop Repair | Repairs through approved insurer-network garages | Comprehensive |
Premium Garage Repair Upgrade | Higher-standard garage repair option | Free add-on (Comprehensive) |
Manufacturer-Authorized Repair Upgrade | Repairs using authorized workshops and genuine parts | Free add-on (Comprehensive) |
Adamjee promotes a range of practical-value benefits including roadside assistance, replacement-car support, annual checkups, and additional convenience-oriented services depending on the selected package.
What Is Not Covered Under Adamjee Car Insurance?
Like all UAE motor-insurance policies, Adamjee insurance includes exclusions that depend on the selected policy wording and coverage type.
Common Exclusion Area | What It Means |
Driving without a valid license | Claims may be rejected if the driver is not legally licensed or is driving with an expired/suspended license |
Driving under the influence | Accidents involving alcohol, narcotics, or drugs affecting driver control are typically excluded |
Using the vehicle for unauthorized purposes | Claims may not be covered if the car is used for purposes different from those declared in the policy |
Racing or speed testing | Damage caused during racing, speed tests, or similar activities is generally excluded |
Mechanical or electrical breakdown | Wear and tear, mechanical failure, or electrical breakdown are not covered |
Tire damage only | Tire damage alone may not be covered unless it occurs alongside insured vehicle damage |
Overloading the vehicle | Claims may be rejected if overloading or excess passengers directly caused the accident |
Outside UAE geographical limits | Coverage may not apply outside the UAE unless geographical extension is added |
Natural disasters (TPL policies) | Third-party policies may exclude floods, earthquakes, hurricanes, and similar natural disasters |
War, riots, nuclear risks, or civil unrest | Damage related to war, rebellion, strikes, radioactive contamination, or similar events is excluded |
Own vehicle damage under TPL | Third-party insurance does not cover damage to the insured vehicle itself |
Off-road driving | Off-road damage may not be covered unless specific off-road coverage is added |
Employee/work-related injuries | Injuries to employees during work may require separate/additional coverage |
Intentional legal violations | Claims involving deliberate criminal acts or intentional law violations may be rejected |
Loss of insurer recovery rights | Claims may be denied if the insured falsely accepts responsibility and prevents the insurer from recovering losses from the actual liable party |
Required documents may vary depending on insurer checks, vehicle specifications, and policy type.
How to Buy Adamjee Car Insurance Through Lookinsure
Follow these steps to buy Adamjee car insurance with Lookinsure:
Documents Required to Buy Adamjee Car Insurance
Just like any other insurance company in the UAE, Adamjee requires these particular documents:
- Valid driving license
- Passport and residence visa for expatriates
- Vehicle registration certificate
- Bank statements
- Emirates ID for nationals
- Confirmation letter for GCC cars
However, when purchasing the Adamjee car insurance through Lookinsure, you require fewer documents.
How to Renew Adamjee Motor Insurance Plan Online?
Follow these steps to complete Adamjee car insurance renewal with Lookinsure:
Buy Adamjee Car Insurance in Installments
Eligible Adamjee insurance quotes purchased through Lookinsure support installment-payment options such as Tabby or Tamara, helping drivers spread the premium cost into smaller payments.
Here is how your monthly payments will look if you decide to pay for your Corolla car insurance in installments:
Policy Type | Total Premium | Example First Payment (4 Installments) | Remaining Payments |
Adamjee Third-Party Insurance | AED 975 | Approx. AED 243.75 | 3 payments of approx. AED 243.75 |
Adamjee Comprehensive Insurance | AED 1,675 | Approx. AED 418.75 | 3 payments of approx. AED 418.75 |
NOTE: Policy issuance happens right after the first payment and NOT after the completion of all payments.
How to Make Adamjee Car Insurance Claim
Adamjee allows drivers to start the claims process online by submitting a motor claim form and uploading the required accident documents. After claim approval, the repair process typically moves through workshop inspection, document verification, repair authorization, and final vehicle collection.
Information Required in the Adamjee Claim Form
To submit an Adamjee motor insurance claim online, drivers are typically asked to provide basic policy, vehicle, and accident information. The online claim form generally includes:
- Vehicle number
- Insured or claimant name
- Policy number
- Accident location/emirate
- Phone number
- Email address
- Address details
- Additional remarks or accident notes
This information helps the claims team verify the policy, identify the insured vehicle, and begin the claim-assessment process.
Documents Required for an Adamjee Insurance Claim
Submitting a motor claim form does not automatically mean liability has been accepted by the insurer. Final claim approval depends on policy terms, submitted documents, accident circumstances, and claim assessment.
Adamjee Repair Network: What to Know Before Repair
Repair assignment depends on the selected policy, claim approval process, and insurer instructions. Drivers should always follow the insurer’s approved repair process before visiting a workshop.
Adamjee Car Insurance Garage List
You can find a complete list of Adamjee Car insurance car repair garages in UAE, including their Dubai insurance garage list below:
| Garage Name | Address | Phone Number |
| Platinum Motor (Dubai) | Al Qusais Industrial Area – Al Qusais Industrial Area 4 – Dubai | 050-8449110 |
| Abdul Hafidh Al Jassmi Garage (Dubai) | 29 4B St – Al Qusais Industrial Area – Al Qusais Industrial Area 1 – Dubai | 055-5594157 |
| Al Kayed Workshop (Dubai) | 128 2 A St – Al Khabaisi – Dubai | 050-5157507/0503566038 |
| Abrar Ahmad Auto Repairing Garage (Dubai) | 69G7+J7M – Unnamed Road – Umm Ramool – Dubai | 050-9891698 |
| United Motors (Dubai) | 6 15th St – Umm Ramool – Dubai | 0502734121/0508840169 |
| Star Square Deal Motors (Dubai) | 19 D Street, Opposite Dubai Driving Center Gate 2, Al Quoz Ind Area 3, Dubai | 052-1672855 |
| Regent Mechanical Services L.L.C. | Al Quoz Industrial Area 4 Plot No: 369-583 – Dubai – United Arab Emirates | 056-5257844 / 055-8921012 / +971 4 347 6477 |
| Star Square Deal Motors | 19 D Street, Opposite Dubai Driving center Gate 2, Al Quoz Ind Area 3, Dubai, United Arab Emirates, PO Box – Dubai – United Arab Emirates | +971 4 330 0612 |
| Aarya Auto Repair (Abu Dhabi) | Musaffah – M-40 – Abu Dhabi | 056-1199414 |
| Elite Motors Workshop (Abu Dhabi) | Musaffah – M-11 – Abu Dhabi | 054-4340406 |
| Al Munqeth Auto Maintenance Workshop | P.O Box.No: 61611 ,Sharjah ,United Arab Emirates | +971 65424210 / +971 50 539 0017 |
| Al Tharaa Auto Repairing Workshop LLC | BMW ROAD – Industrial Area 2 – Industrial Area – Sharjah – United Arab Emirates | +971 56 222 3711 |
| Atarid Auto Maintenance | Industrial Area 4 – Industrial Area – Sharjah – United Arab Emirates | +971 50 270 5754 |
| Diamond Motors (Ajman) | 120 Beirut St – near New Industrial Area Police Station – New Industrial Area 2 – Ajman – United Arab Emirates | +971 55 420 4420 |
| Al Ramlah Garage LLC (Ras Al Khaimah) | Al – شارع خزام – Ras Al Khaimah – United Arab Emirates | +971 7 228 2224 |
Adamjee Insurance Contact Information
Adamjee Insurance operates claims and customer-support services across multiple UAE locations including Dubai, Abu Dhabi, and Sharjah.
General Office Details
- Working days: Monday to Friday
- Office timing: 8:00 AM to 5:00 PM
- Friday break time: 12:30 PM to 2:30 PM
Claims Office Details
- Claims office hours: 8:00 AM to 3:00 PM (Monday to Friday)
- Claim survey & intimation time: 9:00 AM to 12:00 PM (Noon)
Contact Information
- Phone: +971 4 203 9300
- Email: [email protected]
Frequently Asked Questions
