Al Fujairah National Insurance Company (AFNIC)

Choosing the right insurance company is essential for protecting yourself and your vehicle while saving money. Al Fujairah National Insurance Company, commonly known as Fujairah National Insurance or AFNIC Insurance, is among the most trusted insurers in the UAE. They offer top-quality, hassle-free services. Opting for Car Insurance in Fujairah ensures your safety while providing access to a wide range of benefits.

Al Fujairah National Car Insurance Overview

AFNIC car insurance has provided Sharia-compliant motor coverage since 1976, regulated by UAE authorities. With a 97% claim settlement rate and a digital-first approach, AFNIC offers:

• Interest-free installments via Tabby/Tamara

• 24/7 roadside assistance

• Comprehensive and third-party AFNIC car insurance policies

• Nationwide coverage + Oman extension
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Types of Car Insurance Plans offered by Al Fujairah National Insurance Company

Comprehensive AFNIC Motor Insurance Coverage:

• Accident Damage: Repairs for collisions, rollovers, and hit-and-run incidents

• Theft/Arson: Full market-value compensation + investigation support

• Natural Disasters: Floods, sandstorms, hail, lightning strikes

• Third-Party Liabilities:

  • Bodily injury: Up to AED 2,000,000

  • Property damage: Unlimited coverage

• Personal Protection:

  • Driver: AED 200,000 accidental death/disability

  • Passengers: AED 15,000/person medical expenses

• Support Services:

  • Replacement car (7 days during repairs)

  • On-site mechanical first aid

  • Legal assistance

Third-Party AFNIC Motor Insurance Plan Coverage:

• Third-party bodily injury: AED 500,000

• Third-party property damage: AED 1,000,000

• Emergency ambulance services

Special Inclusions:

• Electric vehicle battery/motor components

• Factory-fitted CNG/LPG kits

• Original accessories and navigation systems

Benefits and Coverage of AFNIC Car Insurance in UAE

Choosing AFNIC Fujairah car insurance delivers seven key advantages:

1. Sharia-Compliant Assurance
   Operates on Takaful principles: No interest (riba), transparent profit-sharing, and ethical investments supervised by a Sharia board.

2. Climate-Adapted Protection
   Automatic inclusion of sandstorm and flood damage in comprehensive plans - critical for UAE's extreme weather.

3. 24/7 Roadside Network
   Free services across all 7 Emirates:

   • Towing to the nearest garage

   • Fuel delivery (up to 10 liters)

   • Lockout assistance

   • Battery jumpstart

   • Flat tire changes

4. Cross-Border Mobility
   Oman coverage via Orange Card add-on (AED 300/year) - essential for frequent GCC travelers.

5. Claims Efficiency
   97% of straightforward claims processed within 48 hours with direct garage billing (no upfront payments).

6. Discount Ecosystem

   • 25% No-Claim Discount for accident-free years

   • 15% multi-vehicle reduction

   • 10% online purchase discount

   • 5% senior citizen/emirati discount

7. Digital Convenience

   • 2-minute online quotes

   • AI damage assessment via mobile app

   • WhatsApp claims support (+971 80023642)

What is covered under AFNIC Motor Insurance Plans?

Add-ons for Al Fujairah Car Insurance Plans

Customize your AFNIC car insurance policy with these optional coverages:

What is not covered under AFNIC Car Insurance Plans?

AFNIC motor insurance plans do NOT cover:

• Off-road racing or organized competitions

• Mechanical/electrical breakdowns unrelated to accidents

• Damage from driving under influence (alcohol/drugs)

• War, nuclear risks, or acts of terrorism

• Unapproved vehicle modifications (engine tuning, suspension lifts)

• Commercial use of personal policies (e.g., ride-hailing without endorsement)

• Wear and tear of consumables (brake pads, wiper blades)

• Depreciation of vehicle value over time

Important Limitations:

• Agency repairs limited to vehicles under 2 years old

• Flood damage requires 15-day waiting period for third-party policies

• Off-road coverage excludes competitive dune bashing events

Documents Required to Buy AFNIC Car Insurance in Dubai, UAE

To buy AFNIC car insurance online, prepare these digital copies:

All Applicants

• Emirates ID (front/back)

• Valid UAE driving license

• Vehicle registration card (Mulkiya)

Additional Documents

Tip: Expats need attested English/Arabic translations for foreign licenses.

How to Report Claims for AFNIC Motor Insurance?

Follow this streamlined workflow for AFNIC motor insurance claims:

Step 1: Immediate Notification

• Call 800-AFNIC (23642) within 24 hours

• WhatsApp photos/videos to +97180023642

Step 2: Police Documentation

• For accidents: Use Dubai Police app (minor incidents) or Abu Dhabi Police e-report

• For theft: File FIR at nearest station with vehicle details

Step 3: Damage Assessment

• Visit authorized garage:

  • Dubai: Al Futtaim Automall (04-3398555)

  • Abu Dhabi: Premier Motors (02-6997999)

• Upload 360° video via AFNIC app

Step 4: Repair Authorization

• Comprehensive policies: Choose agency or network garage

• Third-party: AFNIC-assigned workshops only

• Track progress in real-time through claims portal

Average Timeline:

• Minor repairs: 3-5 days

• Major repairs: 10-14 days

• Total loss cases: 15 days for settlement

Documents Required to Claim AFNIC Car Insurance in UAE

Submit these within 7 days of the incident:

Core Documents

• Completed claim form (download from portal)

• Original police report with case number

• Emirates ID + driver's license copies

• Vehicle registration card (Mulkiya)

Situation-Specific Proof

Digital Submission: Use AFNIC's e-claim portal for instant acknowledgment.

How to Renew Car Insurance Online With Al Fujairah National Insurance Company?

Renew your AFNIC car insurance policy in minutes:

Through Lookinsure

1. Log in to the dashboard

2. Select "Policy History"

3. Click "Renew" next to the active policy

4. Compare updated premiums from 12+ insurers

Renewal Protips:

• Early renewal (30+ days before expiry) gets a 10% discount

• Late renewals incur a AED 500 penalty after a 30-day grace period

• No-claim discount requires a claim-free certificate

Through the AFNIC Portal

1. Visit AFNIC Renewal Hub

2. Enter AFNIC Car Insurance policy number OR vehicle plate details

3. Adjust coverage:

   • Add/remove add-ons (e.g., Oman extension)

   • Update personal details

   • Change garage preference

4. Payment options:

   • Credit card (Visa/Mastercard) 5% processing fee

   • Tabby (4 interest-free installments)

   • Tamara (deferred payment)

Why Buy AFNIC Car Insurance Policy in UAE?

Five compelling reasons to select AFNIC car insurance:

1. Ethical Foundation
   As one of the UAE's first Takaful providers, AFNIC eliminates interest (riba) and invests only in Sharia-approved instruments. Annual profit distributions to policyholders average 5-7%.

2. Cost Efficiency
   Premiums run 10-15% below the market average with installment options:

   • Tabby: 4 interest-free payments

   • Tamara: 60-day deferred payment
     Multi-policy discounts reach 30% for home+auto bundles.

3. Claims Excellence
   Industry-leading metrics:

   • 97% settlement rate

   • 48-hour approval for minor claims

   • Direct garage billing at 50+ facilities

   • Multilingual support (Arabic/English/Hindi)

4. Regional Expertise
   UAE-specific solutions, including:

   • Sandstorm damage coverage

   • Dedicated desert recovery teams

   • Specialized EV battery protection

   • Oman border coverage

5. Digital Innovation

   • AI damage assessment via mobile app

   • Instant policy issuance (under 5 minutes)

   • Real-time claims tracking

   • Automated renewal reminders