Abu Dhabi National Takaful Car Insurance

Quick Highlights of Abu Dhabi National Takaful Insurance Company

Founded in 2003, the Abu Dhabi National Takaful Insurance Company has grown from a local insurer into one of the UAE’s leading Sharia-compliant insurance providers. The company has been recognised multiple times for excellence, including being named ‘Takaful Company of the Year’. Its CEO, Osama Abdeen, has also received a Lifetime Achievement Award for his contributions to the insurance sector.

Before moving on to ADNTC car insurance, here’s an overview of the company

What is Takaful Car Insurance and How is It Different?

Takaful car insurance (تأمين السيارات) is a type of insurance based on Islamic principles. Instead of the usual insurance model, it works through mutual cooperation. Policyholders pool their money to support each other in case of accidents or loss. It’s built on values like trust, transparency, and shared responsibility.

Unlike conventional insurance, where profits go to the company, Takaful returns any surplus to the participants, not shareholders. It also avoids investments in areas that go against Islamic values, such as gambling, alcohol, or interest-based businesses. Abu Dhabi National Takaful Insurance Company, backed by its excellence in the sector for more than two decades, is a strong choice for those who want ethical car coverage with complete transparency.

Types of Abu Dhabi National Takaful Car Insurance Plans

Abu Dhabi National Takaful car insurance is available in two main plans designed to meet different needs, all under the ethical and transparent model of Takaful motor insurance.

Comprehensive Motor Takaful

This plan gives complete protection for —

• Your vehicle (damage, fire, theft, accidents)
• Passengers and third-party liability
• Additional cover like roadside assistance, natural disaster damage, and windscreen repair

Third-Party Liability (TPL) Takaful

This is a basic but legally required plan. It covers —

• Damage or injury caused to other people
• Damage to third-party property

It doesn’t cover your own car, but it’s a good option if you want a budget-friendly choice while staying legally protected.

Inclusions and Exclusions in Abu Dhabi National Takaful Car Insurance in UAE

Abu Dhabi National Takaful comprehensive car insurance is available under two variants: Motor Excellence and Motor Elite. Both are designed to suit different driving needs and budgets.

1. Motor Excellence is the top-tier plan. It offers wide coverage with most benefits included by default — ideal for those who want maximum protection.
2. Motor Elite is a more flexible plan. The plan includes core benefits, while you can choose extra services based on your preference.

Here’s a simple breakdown of what’s covered under each plan —

Note: The table shows common inclusions and options. For full details, terms, and eligibility, it’s best to refer to the official policy documents or contact ADNTC directly.

Add-Ons Available in Abu Dhabi National Takaful Car Insurance Plans

If you’re looking for more protection beyond the standard features, Abu Dhabi National Takaful car insurance gives you the option to customise your policy with useful add-ons. These optional benefits are mostly offered under the Motor Elite plan. You can add them to your plan for a small extra fee.

1. Personal Belongings Cover: Protects items inside your car like gadgets or bags — in case of theft or damage
2. Emergency Medical Expenses: Covers basic medical treatment if you're injured in a road accident
3. Windscreen Damage: Pays for the repair or replacement of your windscreen, which is often excluded in cheaper plans
4. Natural Perils (Storm, Flood, Tempest): Helps cover repairs if your car is damaged by weather-related events
5. Oman Extension: Extends your Takaful car insurance coverage if you plan to drive into Oman
6. Rent-a-Car Service: Gives you access to a replacement car for a few days (generally 7) if yours is in the garage for repairs

These add-ons of Abu Dhabi Takaful Insurance let you personalise your cover without switching to a more expensive plan. For many drivers, it’s a practical way to stay protected on their terms.

ADNTC Approved Garages: Where You Can Get Repairs?

Abu Dhabi National Takaful car insurance has partnered with a wide network of approved garages across the UAE. Whether you're in Abu Dhabi, Dubai, or any other emirate, you’ll find trusted workshops ready to help. Given below is a sample list of garages by location —

Note: This is a partial list. ADNTC works with several other garages across the UAE. To get the latest approved list or confirm availability, it's best to contact ADNTC directly or check the official website.

How to File a Claim with Abu Dhabi National Takaful Car Insurance in UAE?

If your vehicle is involved in an accident or suffers damage, you can easily file an Abu Dhabi National Takaful car insurance claim. The company offers both online and offline options to support customers through every step.

1. Fill out the online claim form: Visit the official ADNTC website. Complete the motor claim form with all required details.
2. Submit required documents: Upload scanned copies of the necessary documents along with the form.
3. Schedule a vehicle inspection: Contact the claims team to arrange an inspection of your car.
4. Claim assessment and settlement: Once all documents are reviewed, the claim will be processed and settled accordingly.

Documents You’ll Need

1. Copy of the police report
2. Vehicle registration card (both sides)
3. Driving licence (both sides)
4. Emirates ID (both sides)

Contact by Region for Claim Assistance

Note: If you're unsure at any step, ADNTC’s claims team is available to assist and guide you through the process.

Why Choose Abu Dhabi National Takaful Car Insurance in UAE?

When it comes to protecting your car, Abu Dhabi National Takaful motor insurance stands out for many reasons. Here’s what makes them a preferred choice for thousands of drivers across the UAE —

1. Sharia-Compliant & Ethical: All policies follow the Takaful model — built on transparency, fairness, and mutual support.
2. Flexible Plan Options: Whether you choose Motor Excellence or Motor Elite, you get coverage that matches your needs and budget.
3. Fast, Hassle-Free Claims: ADNTC is known for quick, responsive service during claim times. This can be useful when support is required.
4. High Financial Ratings: With A- (Stable) ratings from both A.M. Best and Fitch, you can count on reliability.
5. Wide Garage Network: Get access to trusted repair partners across the UAE.
6. 24/7 Customer Support: Reach their team anytime via phone or email.

Contact Details of Abu Dhabi National Takaful Insurance Company

If you need help with a policy, want to file a claim, or simply have a question, Abu Dhabi National Takaful Insurance Company offers easy and direct ways to get in touch.

Frequently Asked Questions (FAQs)