RAK Insurance Company in UAE

Flexible installments to pay later with

And

Compare Plans

Regulated by the Government of Dubai

When you're looking for an insurance provider in the UAE, you want an option that's both reliable and easy to work with. RAK insurance company, officially known as Ras Al Khaimah National Insurance Company (P.S.C.), is a well-established name offering a variety of plans to cover different parts of your life.

Whether it's for you are looking for a UAE car insurance policy, health plans, your home insurance, or your business, they provide options designed to meet a range of needs. This page will give you a clear overview of what RAK insurance offers, how they work, and why they might be the right fit for your daily needs.

An Overview of RAK Insurance in UAE

Let's get to know them a bit better. RAK insurance company has built a solid reputation over the years as a trustworthy local insurer. Here are the key things that define them:

A Local Powerhouse: They are a Public Shareholding Company with a strong capital base, founded and operating right here in the UAE.
Nationwide Presence: While headquartered in Ras Al Khaimah, they have offices in Dubai and Abu Dhabi to serve customers across the Emirates.
Wide Range of Solutions: They don't just specialize in one thing. Their portfolio includes RAK general insurance plans for individuals, families, and businesses of all sizes.
Regulated and Secure: They are fully registered and regulated by the UAE Insurance Authority, which provides important oversight and consumer protection.
Digital-First Approach: They emphasize easy online services for getting quotes, buying policies, and managing your coverage through a personal customer portal.

Key Benefits of RAK Insurance in Dubai

So, what makes RAK insurance plans stand out from the crowd? Beyond the basics, they highlight some specific features that offer real value to their customers:

Comprehensive Motor Coverage with Real Perks: Their flagship car insurance isn't just about repairs. It includes benefits like unlimited windscreen cover, off-road coverage for 4x4s, and up to AED 5,000 for personal belongings lost or damaged in the vehicle. They even offer a "Free 13th Month" of insurance as a loyalty benefit.
Agency Repair & Premium Garage Options: For newer cars (up to 25 months), they offer agency repair at the manufacturer's dealer. For vehicles 3-5 years old, they have an optional "Premium Garage" network that uses new-for-old parts.
24/7 Roadside Assistance Included: Their comprehensive motor policy comes with 24-hour roadside assistance in the UAE and Oman, covering everything from towing and flat tires to lockout service and fuel delivery.
Straightforward Online Process: They have a strong focus on making insurance easy to buy and manage online, with quick quotes and instant policy delivery via email.
Clear, Optional Add-Ons: They present useful extras clearly, like Orange Card coverage for driving to Oman, personal accident cover for driver and passengers, and GAP insurance for brand-new vehicles, allowing you to customize your plan.

Types of General Insurance Offered by RAK

RAK general insurance company provides a broad spectrum of plans, clearly divided to help you find what you need.

For You & Your Family (Individual)

Car Insurance: Both mandatory Third-Party Liability (TPL) and extensive Comprehensive coverage with the benefits mentioned above.
Health Insurance: A range of individual and family medical insurance plans with access to networks like NAS and Nextcare.
Home Insurance: Protection for your property against fire, theft, and other damages.
Travel Insurance: Coverage for trips abroad, including medical emergencies and trip cancellations.
Life Insurance: Their "Life Protection Plan" provides financial security for your family and can be maintained even if you move to other GCC or Asian countries.

For Your Business (Corporate)

Group Medical & Group Life Insurance: Custom health and life plans for your employees.
Motor Fleet Insurance: Coverage for your company's vehicles.
Property & Engineering Insurance: Protection for business premises, construction projects, and machinery.
Marine & Casualty Insurance: Specialized coverage for goods in transit and various business liability risks.
Workers' Protection Insurance: Essential coverage for employee welfare as per UAE regulations.

RAK Insurance Claim Process in Dubai

Knowing how to make a claim is crucial. Here’s a quick guide for the two most common types.

For RAK Car Insurance Claims

Here's what you must do if you ever need to file a claim on your RAK car insurance policy.

Report Immediately: Contact RAK insurance as soon as possible after an accident.
Get a Police Report: This is mandatory for any accident on UAE roads.
Submit Your Claim: You can register the claim through their online customer portal, email [email protected], or call 800 RAKI (7254).
Inspection & Approval: A surveyor will assess the vehicle damage at an approved network garage.
Repair: Once approved, repairs are carried out. For cashless repairs, the garage bills RAK directly.

For Health Insurance Claims

Use Network Providers: For direct billing, always seek treatment at a hospital or clinic within your plan's network (e.g., NAS, Nextcare).
Get Pre-Authorization: For planned treatments or hospital admissions, obtain approval from RAK insurance or their TPA (Third-Party Administrator) beforehand.
Reimbursement Option: If you pay upfront, submit original bills, medical reports, and a claim form to RAK for reimbursement as per your policy terms.

Customer Support & Contact Details for RAK Insurance

Getting in touch with the RAK insurance company is straightforward. Here are the primary ways to contact them:

RAK insurance Contact Number (Toll-Free): 800 RAKI (800 7254)
General Inquiry Email: [email protected]
Motor Claims Email: [email protected]
Roadside Assistance (24/7): 800 4101 800 (provided by IMC)

Addresses:

Head Office: 6th Floor, RAKBANK Headquarters (HQ), Al Jazeera, Sheikh Saqr Bin Mohammad Al Qasimi R/18,Ras Al Khaimah, UAE
Dubai: 4th Floor, 405, Sultan Business Center Building, Oud Metha, Next to Lamcy Plaza, Dubai, UAE
Abu Dhabi: 2nd Floor, Office 204, Same Building of Wendy's / Hassan Al Fardan Tower, Opposite to EMAX, Hamdan St., Abu Dhabi, UAE

For the most accurate and updated branch addresses, please visit their official website at www.rakinsurance.com.

Frequently Asked Questions

RAK general insurance covers a wide range. For individuals, this includes cars, health, life, travel, and homes. For businesses, it extends to employee medical/life coverage, company vehicles, property, construction projects, and marine cargo.

Report the incident to RAK immediately via phone at 800 RAKI (7254) or the relevant email. For motor claims, you must obtain a police report first. Then, submit all required documents (claim form, ID, police report, etc.) through their online portal or email. For health claims, always use network providers for direct billing.

Yes, for motor insurance. They have a wide network of approved garages across the UAE where you can get cashless repairs once the claim is approved. You can ask for their network list when purchasing your policy.

Commonly required documents include the completed claim form, a copy of your policy/insurance card, Emirates ID, and proof of the incident. For car claims, add the original police report and vehicle registration. For health claims, add all medical reports and original invoices.

This can vary. A standard, straightforward car repair claim might be settled within a week or two after approval at the garage. More complex health or property damage claims may take a few weeks to process fully. The claims handler can provide a more specific timeline.

This depends on your specific motor policy. Some policies provide coverage for any licensed driver, while others only cover drivers named in the policy. You must check your policy schedule or contact RAK to confirm your coverage details.