AFNIC Car Insurance Company in UAE

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. So if you are in the market for car insurance in Fujairah this local company can be one of your best options.

Al Fujairah National Car Insurance Overview

AFNIC, short for Al Fujairah National Insurance Company, is a UAE-based insurer established in 1976. The company is headquartered in Fujairah, with the Government of Fujairah as its major shareholder.

AFNIC operates under UAE insurance regulations and offers Sharia-compliant insurance solutions.

With 25+ branches across Dubai, Abu Dhabi, Sharjah, Fujairah, and Dibba, AFNIC provides easy access to customer support and in-person assistance, especially for car insurance services across the UAE.

Key highlights include:

• 97% claim settlement rate
  
  
• Interest-free installments car insurance with Tabby and Tamara
  
  
• 24/7 roadside assistance
  
  
• Nationwide coverage, with optional Oman extension

AFNIC Motor Insurance

Motor insurance is one of AFNIC’s main specialties. The company provides flexible car insurance solutions designed for drivers across the UAE.

AFNIC car insurance coverage includes:

• Comprehensive car insurance – covers your vehicle and third-party liabilities
  
  
• Third-party (TPL) car insurance – meets UAE legal requirements at a lower cost
  
  
• Both options are supported by a wide service network and efficient claims handling, making AFNIC car insurance a practical choice for everyday drivers.

AFNIC Insurance Company Contact Infor

Phone Number: 800-AFNIC (800-23642)
WhatsApp: +971 80023642
Email: [email protected]

Fujairah: Ground floor, Insurance Building, Hamad Bin Abdulla Street, Fujairah, UAE.
Contact No: 09-2233355

Claim Office: Fujairah Insurance Vehicle Yard, Al Hayl, Fujairah, UAE.
Contact No: 09-2231300

Dubai: Office 706, Bay Square Building 2, Al Asayel Street, Business Bay, Dubai, UAE.
Contact No: 04-2772155

Abu Dhabi: Office 802, Nawat Tower Building 3, Al Mawasim Street, Al Khalediya, Abu Dhabi, UAE
Contact No: 02-6773429

Sharjah: No. 1104, 11th Floor, Bell Rashid Tower, Al Majaz 1, Sharjah, UAE
Contact No: 06-5737226

Benefits and Coverage of AFNIC Car Insurance in UAE

Choosing AFNIC Fujairah car insurance offers drivers a blend of ethical assurance, practical protection, and modern convenience. Key benefits include:

Sharia-Compliant Assurance

• Operates on Takaful principles: no interest (riba), transparent profit-sharing, and ethical investments supervised by a Sharia board.

• Annual profit distributions to policyholders average 5–7%.

Climate-Adapted Protection

• Automatic coverage for sandstorm and flood damage in comprehensive plans, tailored for the UAE’s extreme weather conditions.

• Specialized EV battery protection and desert recovery services.

24/7 Roadside Network

Free support across all Emirates:

• Towing to nearest garage

• Fuel delivery (up to 10 liters)

• Lockout assistance

• Battery jumpstart

• Flat tire changes

Cost Efficiency & Flexible Payments

• Premiums 10–15% below market average

• Installment options:

  • Tabby: 4 interest-free payments

  • Tamara: 60-day deferred payment

• Multi-policy discounts up to 30% (home + auto bundles)

Claims Excellence

• 97% settlement rate

• 48-hour approval for minor claims

• Direct garage billing at 50+ facilities

• Multilingual support: Arabic, English, Hindi

Regional Expertise

• UAE-specific solutions for sandstorm damage and desert recovery

• Optional Oman border coverage

Digital Innovation

• AI-powered damage assessment via mobile app

• Instant policy issuance (<5 minutes)

• Real-time claims tracking and automated renewal reminders

Types of Car Insurance Plans offered by Al Fujairah National Insurance Company

Fujairah insurance company offers two main types car insurance plans which differ in degree of coverage and price and include:

• Comprehensive insurance covers damages to both your own vehicle and third-party liabilities. It costs more and can be modified by add-ons.

• Third-Party Liability (TPL) insurance which is the most affordable option out there, covers damage or injury to others and meets the minimum UAE legal requirements.

Which AFNIC Car Insurance Plan Is Right for You?

The best AFNIC car insurance coverage depends on the specific needs of each client. Below you will find a brief guide that can help you decide what type of policy you should go with.

Comprehensive AFNIC Motor Insurance

Best suited for:

• New or high-value vehicles

• Electric or modified cars

• Drivers who want full financial protection and added services

It covers both your vehicle and third-party liabilities, along with personal accident benefits and support services.

Third-Party AFNIC Motor Insurance Plan (TPL)

Best suited for:

• Older or low-value cars

• Budget-conscious drivers

• Those seeking UAE-legal minimum coverage

It covers injury or damage caused to others, but does not cover your own vehicle.

Inclusions and Exclusions of AFNIC Motor Insurance Plans?

Each AFNIC car insurance plan comes with a specific range of coverage which you should be familiar with in order to be able to make the best decision. Here is a short guide on what is covered under each AFNIC motor insurance policy and what is not:

Third-Party (TPL) Insurance: Coverage & Exclusions

 Comprehensive Insurance: Coverage & Exclusions

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?

There are certain types of damages that are never covered by insurance companies. Additionally, there are situations in which even even regular coverage is nullified. Here are what is not covered by AFNIC car insurance plans:

AFNIC motor insurance plans do NOT cover:

• Damage from driving under influence (alcohol/drugs)

• Damages caused by 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 (unless covered by add-on)

• Damages caused by uninsured driver 

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 Renew Car Insurance Online With Al Fujairah National Insurance Company?

Renewing your AFNIC car insurance online is quick, simple, and can be done from the comfort of your home. Follow these steps to complete your AFNIC car insurance renewal online efficiently:

1. Go to Lookinsure's homepage.

2. Click “Get Quote”.

3. Choose the “Renew” option, which appears first.

4. Enter your car information:

   • Chassis number (the easiest and fastest method) or

   • Manually input make, model, and year.

5. Compare available policies from multiple providers.

6. Select your preferred AFNIC car insurance policy and complete the renewal process.

By following these steps, you can quickly renew your AFNIC car insurance online, ensuring uninterrupted coverage and access to the latest policy options.

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

Can I Buy AFNIC Car Insurance in Installments?

By choosing Lookinsure for your AFNIC car insurance plan, you will be able to pay for your policy in 4 interest-free installments using Tabby or Tamara, two popular payment platforms in the UAE. This allows drivers to spread the cost of their insurance over time without paying any extra fees.

By using these options, you can secure your comprehensive or TPL AFNIC car insurance without worrying about a lump-sum payment upfront.

Immediate Coverage with Installments

Even if you choose to pay for your car insurance with Tamara or Tabby, your coverage starts immediately once your policy is issued. You are fully protected from day one, just as if you had paid the entire premium upfront.

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.