ADNIC Car Insurance

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ADNIC car insurance is one of the most reliable motor insurance providers in the UAE, committed to offering innovative insurance products and services to its customers. ADNIC car insurance offers comprehensive as well as third-party liability vehicle insurance policies that provide comprehensive cover in addition to extra benefits & optional covers. Being one of the largest multi-line regional insurance companies, ADNIC offers a wide range of insurance & reinsurance services to its customers to meet their needs and provide coverage against losses when you need it the most.

Types of ADNIC Car Insurance

Currently, Abu Dhabi National Insurance Company (ADNIC) is offering three car insurance plans to meet your insurance requirements. And they are as follows:

1. ADNIC Car Insurance Platinum Plan

If you want to avail of the highest level of coverage for your car then ADNIC car insurance platinum plan is an ideal choice for you. It provides you with third-party property damages for a maximum of AED 5 Million. Here’s a quick overview of benefits offered by the platinum plan:

  • Inside agency repairs of up to 5 years
  • Comprehensive insurance cover of 8 Years
  • Third-party property damages of up to AED 5 Million are covered
  • Off-road cover (4WD)
  • Loss of personal belongings cover
  • Roadside assistance services
  • Damage due to valet parking
  • Replacement of car
  • Natural perils & SRCC
  • Free PAB production
  • Waiver of depreciation
  • Emergency medical expenditures
  • Complimentary orange card (limited cover)
  • Some other exclusive benefits as well as optional services.

2. ADNIC Car Insurance Gold Plan

ADNIC Car Insurance Gold Plan is company’s motor insurance plus option that comes with additional benefits for extra protection when you drive. This plan also offers third party liability coverage for a maximum of AED 3.5 Million. Here’s a quick overview of benefits offered by the gold plan:

  • Inside agency repair of up to 3 years
  • Comprehensive insurance cover of 8 Years
  • Third-party property damages of up to AED 3.5 Million
  • Off-road cover (4WD)
  • Loss of personal belongings cover
  • Roadside assistance services
  • Replacement of car
  • Natural perils & SRCC
  • Waiver of depreciation
  • Replacement of keys and/or locks
  • Some other exclusive benefits as well as optional services.

3. ADNIC Car Insurance Standard Plan

ADNIC car insurance standard plan is dedicated to ensuring your peace of mind by making sure that you’re covered for accidents. This ADNIC car insurance plan offers basic level of coverage with third-party liability property damages for a maximum of AED 2 Million. Here’s a quick overview of benefits offered by the standard plan:

  • Inside agency repair: 1 year
  • Comprehensive insurance cover: 8 Years
  • Third-party property damages: Up to AED 2 Million
  • Third-party death and/or bodily injury
  • Replacement of car
  • Loss of personal belongings cover
  • Roadside assistance services
  • Window damage and wind-shield cover
  • Some other exclusive benefits as well as optional services.

ADNIC Car Insurance Plan Cover Options

ADNIC offers comprehensive car insurance and third-party vehicle insurance with several options to choose from. Let’s take a quick view of all the cover options:

Covers Third-party Liability (TPL) Comprehensive
    Standard Gold Platinum
Third Party property damage Yes Yes Up to AED 2 Million   Yes Up to AED 3 Million   Yes Up to AED 5 Million
Third party bodily injury Yes Yes Yes Yes
Roadside assistance service Yes Yes Yes Yes
Ambulance cover Yes Yes Yes Yes
Damage or loss to the insured car No Yes Yes Yes
Fire and Theft Cover No Yes Yes Yes
Third Party Liability to Insured’s Family Members No Yes Yes Yes
Inside Agency Repairs No 1 year 3 Years (maximum) 5 years (maximum)
Approved Garages of ADNIC No Yes Yes Yes
Replacement of car No Yes Yes Yes
Off road coverage (4WD) No Yes Yes Yes
Window & windshield damage cover No Yes Yes Yes
Damage due to valet parking No Yes Yes Yes
Personal belongings loss cover   No No AED 5,000 (maximum) AED 10,000 (maximum)
Emergency medical expenditures No No AED 5,000 (maximum) AED 10,000 (maximum)
Replacement of keys and/or locks   No No AED 1000 (maximum) AED 5,000 (maximum)
Waiver of depreciation   No No First six months First twelve months
Natural perils No No No Yes
Riot, strike, civil commotion (SRCC) No No No Yes
Track day No No No Complimentary
Personal accident cover for driver (AED 60) Optional Optional Complimentary Complimentary
Personal accident cover for passengers (AED 30/per passenger) Optional Optional Complimentary Complimentary
Oman TPL extension cover Optional Optional Optional Complimentary
Oman (own damage only) No Yes Yes Yes
GCC extension cover (own damage only) exclude KSA No Optional Optional Complimentary
GCC extension cover (TPL exclude KSA) No Optional Optional Complimentary

Features and Benefits of ADNIC Car Insurance

There are several features and benefits of ADNIC car insurance plans. Here are some amazing ones:

  1. Best Price: All the car insurance policies offered by ADNIC are available at affordable prices.
  2. Various Car Insurance Policies: ADNIC offers comprehensive car insurance and third-party liability car insurance with several options to choose from.
  3. Agency Repair: ADNIC helps to protect the residual value of your vehicle with options for car repairs to be carried out at the company’s vehicle dealership. Also, ADNIC provides a choice of approved garages for repairs that take place at garages outside of the agency network.
  4. Customisable Car Insurance Policies: You can customize ADNIC car insurance AI Ain & UAE policies as per your requirements to get better coverage.
  5. Replacement Car: All ADNIC car insurance Sharjah & UAE policies guarantee a car replacement.
  6. Easy & Fast Claims: ADNIC claim settlement team is available for round the clock assistance.

ADNIC Car Insurance Additional Benefits & Covers

You can customize your existing ADNIC car insurance Dubai policy by choosing from a wide range of additional covers:

  1. Personal belongings loss cover
  2. Ambulance cover
  3. Off-road cover (Only for 4WD)
  4. Valet parking theft cover
  5. Key replacement
  6. Windscreen damage
  7. Replacement of car
  8. Inside agency repairs for brand new vehicles
  9. Emergency medical expenditures
  10. Riot, strike, and civil commotion (SRCC)
  11. Natural perils cover
  12. Geographical expansion (sultanate of Oman)
  13. Outside agency repair
  14. Special graphics/paints/stickers
  15. Accessories and enhancement cover

ADNIC Car Insurance Inclusions

Following are the ADNIC car insurance inclusions:

  1. Agency repair
  2. Third party bodily injury
  3. Third Party liability property damage
  4. Roadside assistance services such as vehicle towing, battery boosting, lock out facility, emergency fuel delivery, vehicle registration, etc.
  5. Personal accident cover for driver
  6. Personal accident cover for passengers
  7. Oman TPL extension cover

ADNIC Car Insurance Exclusions

ADNIC will not pay any compensation in the following scenarios:

  • Bodily injury or death directly or indirectly, in part or completely resulting from
  1. Suicide, intentional self-injury, mental impairment, physical damage, or infirmity.
  2. The driver is under the influence of alcohol or any other narcotic substances.
  • If the insured vehicle was involved in any kind of speed test or race.
  • Using the insured vehicle for purposes other than the ones mentioned during insurance application.
  • If the driver doesn’t posses a valid driving license.

ADNIC Car Insurance Claim process

Filing for a claim with ADNIC car insurance is simple. All you have to do is follow a few simple steps to receive your due claim:

Step 1: Report the Incident.

Report the matter to the police and get a referral note or police report (as applicable in each Emirate).

Step 2: Inform ADNIC

The second step is to notify ADNIC by calling on the ADNIC car insurance contact number 8008040 or sending an email to motorclaims@adnic.ae. Alternatively, you can visit the nearest ADNIC branch. The claim staff will receive your claim request and will help you fill out a claim form on the basis of the facts reported. After that, they will ask you to review the form and sign it.

Step 3: Submit Documents

Submit all the documents asked for with correct details such as policy number, claim form, driving license, car registration card, police or Saaed report, and general incident details.

Step 4: Claim Assessment

Once you’ve submitted all the documents successfully, ADNIC will start claim processing. Details of the incident are assessed and verified. 

Step 5: Get the Claim Reference Number

Once the car insurance claim is opened, you will get an SMS consisting of a claim reference number in addition to the contact details of the nearby workshop in accordance with the policy type. Once you’ve sent out your car for repair, you can use the give claim reference number to track the status.

ADNIC Car Insurance FAQs

Q.1. What documents are required to report a claim?

Ans. You will need to submit the following documents to lodge an ADNIC car insurance claim:

  • ID Copy
  • Driving license copy
  • Registration card copy
  • Original police report

Q.2. In which garage my vehicle will be repaired?

Ans. If you have chosen agency repair then your vehicle will be repaired at one of the authorized dealerships. You can rest assured that ADNIC uses the best quality garages to offer quality services to its customers.

Q.3. How can I recover my vehicle from the accident place?

Ans. You have to dial - 8004405 for recovery related assistance.

Q.4. How can I cancel my ADNIC Car Insurance policy?

Ans. If you wish to cancel your existing auto insurance policy with ADNIC, then you can visit any of the ADNIC offices and leave a cancellation request. Alternatively, dial the company’s contact number at 8008040.

Q.5. Is ADNIC car insurance online renewal possible?

Ans. Yes, ADNIC insurance renewal online is possible. It can be easily done through the company’s official website.