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:
Best Price: All the car insurance policies offered by ADNIC are available at affordable prices.
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.
Customisable Car Insurance Policies: You can customize ADNIC car insurance AI Ain & UAE policies as per your requirements to get better coverage.
Replacement Car: All ADNIC car insurance Sharjah & UAE policies guarantee a car replacement.
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:
Personal belongings loss cover
Ambulance cover
Off-road cover (Only for 4WD)
Valet parking theft cover
Key replacement
Windscreen damage
Replacement of car
Inside agency repairs for brand new vehicles
Emergency medical expenditures
Riot, strike, and civil commotion (SRCC)
Natural perils cover
Geographical expansion (sultanate of Oman)
Outside agency repair
Special graphics/paints/stickers
Accessories and enhancement cover
ADNIC Car Insurance Inclusions
Following are the ADNIC car insurance inclusions:
Agency repair
Third party bodily injury
Third Party liability property damage
Roadside assistance services such as vehicle towing, battery boosting, lock out facility, emergency fuel delivery, vehicle registration, etc.
Personal accident cover for driver
Personal accident cover for passengers
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
Suicide, intentional self-injury, mental impairment, physical damage, or infirmity.
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.
