Fidelity United Car Insurance in UAE
Flexible installments to pay later with
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Regulated by the Government of Dubai
Fidelity United is a leading and longstanding insurance provider in the UAE. Born from the partnership between the United Insurance Company and Lebanon’s Fidelity Assurance and Reinsurance, it offers customers reliable and comprehensive coverage.
With a strong reputation for satisfaction and a wide range of services, Fidelity United is a dependable choice for secure car insurance in the UAE.
Types of Car Insurance Plans Offered by Fidelity Insurance Company
Fidelity Insurance offers both Comprehensive and Third-Party Liability Insurance, each designed for different protection needs and budgets. Below is a detailed comparison to help you understand what each plan includes and who it is best suited for.
Key Coverage Differences
| Feature | Comprehensive Fidelity Motor Insurance | Third-Party Liability Insurance (Fidelity) |
|---|---|---|
| Legal Requirement in UAE | ❌ Not mandatory | ✅ Mandatory |
| Damage to Your Own Vehicle | ✅ Covered (accidents, collisions) | ❌ Not covered |
| Third-Party Injury & Property Damage | ✅ Covered (up to AED 5 million) | ✅ Covered |
| Theft & Fire | ✅ Included | ❌ Not included (available as add-ons) |
| Natural Disasters (floods, storms, etc.) | ✅ Covered | ❌ Not covered |
| Personal Accident Cover (Driver) | ✅ Up to AED 100,000 | ❌ Not covered |
| Agency Repairs | ✅ Included for new cars (≤ 5 years old) | ❌ Not included |
| Add-ons Availability | Limited (already extensive coverage) | ✅ Fire, theft, vandalism |
| GCC Coverage | ✅ Included (Oman add-on available for AED 350) | ❌ Not available |
| Premium Cost | Higher (broader protection) | Lower (basic legal coverage only) |
| Best For | New or high-value vehicles, full peace of mind | Older vehicles, minimum legal compliance |
Extra Coverage with Add-Ons
Fidelity United Car Insurance policies can be modified and enhanced to offer even more protection for those wanting to go beyond the coverage provided by comprehensive plans. Here are some of the more popular add-ons available:
Off-Road Coverage: Desert/dune driving protection.
Zero Depreciation: Waives value deduction on parts.
Rental Car Cover: Vehicle during repairs.
Agency Repairs: Genuine parts at authorized dealers.
Belongings Protection: Theft of items inside the vehicle (up to AED 3,000).
What Is Covered Under Fidelity Motor Insurance Plans?
Fidelity Untied car insurance offers protection against damages caused by:
Accidents: Collision repairs, rollovers, vandalism.
Theft & Fire: Full vehicle replacement if unrecovered.
Natural Disasters: Floods, sandstorms, hail (excludes intentional parking in flood zones) .
Third-Party Liabilities:
Bodily injury: Unlimited medical expenses.
Property damage: Up to AED 5M.
Support Services:
Replacement car during repairs (up to 10 days).
Free windshield repair (zero deductible).
What Is NOT Covered Under Fidelity Car Insurance Plans?
Like any other provider, Fidelity United car insurance policies come with certain restrictions, that is, certain damages that WILL NOT be covered by their plans. These include:
Illegal Activities: Drunk driving, racing, and unlicensed drivers.
Mechanical Failures: Engine/clutch breakdowns.
Wear & Tear: Tire degradation, battery wear.
Unreported Modifications: Non-standard parts.
War/Terrorism: Riots, nuclear events.
How to Renew Fidelity Car Insurance Online
Using Lookinsure's online platform, you can complete Fidelity United car insurance renewal in only a few minutes. All you will need to do is:
Go to our main webpage
Click on "Get Quotes"
Select the first option which is "Renew"
Enter your information either manually by your car's make and model or using your chassis number which is far easier and more straightforward.
- Modify your policy or just proceed straight to payment.
- Make payment either in installment or all at once
Documents Required to Buy or Renew Fidelity Car Insurance
When applying for or managing your Fidelity United car insurance, you must prepare several key documents to ensure a quick and efficient process, regardless of whether you are buying car insurance in Abu Dhabi, Dubai or any other emirate. Here’s a list of the necessary documents:
- Driver's License: A valid driver's license for all drivers covered under the policy.
- Vehicle Registration: Proof of the vehicle's registration to confirm ownership.
- Proof of Insurance History: Documentation of past insurance coverage, if applicable.
- Vehicle Identification Number (VIN): The VIN helps identify the specific vehicle being insured.
- Address Proof: A document that verifies your current residential address, such as a utility bill or lease agreement.
- Payment Information: Credit/debit card or bank details for premium payments.
Can I Buy Fidelity United Motor Insurance on Installment?
This is a common question these days; and fortunately, the answer is a yes, you definitely can buy a Fidelity United car insurance policy on installment. With Lookinsure you can buy your car insurance with Tabby or Tamara, two of the leading buy-now-pay-later services in the UAE.
When you select the Tamara car insurance or Tabby, you will be able to pay in 4 interest-free installments, but the good news is that your policy will be activated immediately and not after you are all paid up.
How to Report Claims for Fidelity Car Insurance?
Filing a claim with your Fidelity auto insurance policy is a straightforward process designed for your convenience. Follow these steps to ensure a smooth experience:
- Report the Incident: Contact Fidelity Insurance Company immediately to report the accident or damage.
- Gather Information: Collect all relevant details, such as the date, time, location of the incident, and any witnesses.
- Submit Documentation: Provide necessary documentation, including photographs of the incident, police reports (if applicable), and any medical reports.
- Claim Assessment: A claims adjuster from Fidelity United Insurance will evaluate your claim and communicate any next steps.
- Receive Resolution: After the assessment, you will be informed of the coverage applicable to your claim and any payment details.
Documents Required for Fidelity Car Insurance Claims
Completed claim form.
Original police report.
Vehicle registration card.
Repair estimates from approved garages.
Fidelity United Car Insurance List of Approved Garages
Here is a list of garages across the UAE that are approved by Fidelity United insurance company:
| Garage Name | Address | Phone Number |
|---|---|---|
| Al Kayed Workshop | 128 2 A St – Al Khabaisi – Dubai – United Arab Emirates | +971 4 269 3333 |
| Emirates Transport – Luxury | 79JM+H39 – Al Qusais Industrial Area 1 – Dubai – United Arab Emirates | +971 4 218 0381 |
| Jahan Auto Repair | 13th St – Umm Ramool – Dubai – United Arab Emirates | +971 54 515 5002 |
| Motor World (Dubai) | 47 13th St – Umm Ramool – Dubai – United Arab Emirates | +971 4 286 3336 |
| Elite Motors | Musaffah – M-11 – Abu Dhabi – United Arab Emirates | +971 2 550 1080 |
| Emirates Transport (Abu Dhabi) | 1 – 10th St – Abu Dhabi – United Arab Emirates | +971 800 6006 |
| RAK Arabia Auto Repairs | Airport Rd, Shaikh Rashid Bin Saeed Al Maktoum St – Umm Al Nar – Rabdan – Abu Dhabi – United Arab Emirates | +971 52 908 4265 |
| Emirates Transport Workshop (Sharjah) | 7GX9+5FX – Al Qarayen 3 – Sharjah – United Arab Emirates | +971 6 513 9862 |
| RAK Arabia Workshop (Sharjah) | Area 17 – Beside Sharjah English School – University City – Sharjah – United Arab Emirates | +971 6 574 1422 |
| Emirates Transport (Fujairah) | Al Hayl, Near Traffic Department (Murror) – Fujairah – United Arab Emirates | (+971) 09 202 9154 / +971 54 309 1336 / +971 56 615 8205 / +971 50 294 9749 |
| MK Motors | Al Hail Industrial Area – Fujairah – United Arab Emirates | +971 54 554 5553 |
| Emirates Transport Workshop (Ras Al Khaimah) | V236+PRQ – Julfar – Ras Al Khaimah – United Arab Emirates | N/A |
| RAK Arabia Auto Services LLC | Sheikh Mohamed Bin Salem Rd – Al Dhait – Ras Al Khaimah – United Arab Emirates | +971 7 227 5197 |
| Red Fox | Near Al Futtaim Honda – Al Dhait – Ras Al Khaimah – United Arab Emirates | +971 56 787 4777 |
| Emirates Transport Workshop (Ajman) | 58 شارع الخيل – Al Jerf 2 – Ajman – United Arab Emirates | N/A |
| Motor World (Ajman) | 9FGG+XVR – Amr Ibn El Aas St – Ajman Industrial 2 – Ajman – United Arab Emirates | N/A |
Contact Details and Customer Care of Fidelity United Car Insurance
Online Support: Submit queries, complaints, or feedback through the “Contact Us” section on Fidelity United’s official website.
In-Person Assistance: Visit a Fidelity United office for direct support from customer service representatives.
Quick Help: Call the toll-free number 800 842 for immediate assistance or guidance to the nearest branch.
- Office Locations: Available across Dubai, Abu Dhabi, Fujairah, Ras Al Khaimah, and Sharjah.
| Location | Address |
|---|---|
| Dubai | Office B703, The Opus by Omniyat, Block B, 803 Al A’amal St, Business Bay, Dubai |
| Abu Dhabi | F9C9+4WG Bloom Central, Marriott Hotel Al Wahda, Al Tibbiya, Office 407, Airport Road, Al Manhal, W13-01, Abu Dhabi |
| Fujairah | Hamad Bin Abdulla Road, Fujairah Town Center, Fujairah |
| Ras Al Khaimah | 26-13 81A St, Al Dhait, Ras Al Khaimah |
| Sharjah | City Gate Tower, Etihad Road, Sharjah |
Fidelity Car Insurance in UAE Reviews
The reviews for Fidelity United car insurance on Google are mostly negative, which might make a lot of drivers question their choice, however, what you must keep in mind is that those with negative experiences are usually the only ones who take the time to leave a review.
Why Buy Fidelity Car Insurance Policy in UAE?
Multi-City Support: Offices in all emirates.
Rapid Claims: 48-hour settlement for minor damages.
Commercial Discounts: Up to 30% for fleet policies.
- Affordable Plans: Lower prices without sacrificing coverage.