AFNIC Car Insurance

What is AFNIC Insurance?

AFNIC stands for Al Fujairah National Insurance Company. It is a UAE-based insurer that has been operating since 1976. It is the only insurance company headquartered in Fujairah and is backed by the Government of Fujairah as the major shareholder. AFNIC offers a wide range of insurance services across the UAE, including motor, medical, property, marine, aviation, and other general insurance products. With more than 25 outlets and full-service branches in cities like Dubai, Abu Dhabi, Sharjah, Fujairah, and Dibba, the company focuses on providing easy access and reliable support to customers. AFNIC motor insurance is one of the company’s most popular products. It offers both comprehensive and third-party coverage for drivers throughout the country.

Types of AFNIC Motor Insurance UAE

AFNIC offers two main types of motor insurance in UAE. Each type covers different needs. Here is a simple breakdown.

AFNIC Insurance Type 1: Comprehensive Motor Insurance

• This is AFNIC’s full-cover plan. It financially protects your own vehicle as well as third parties.
• It covers damage to your own vehicle due to accidents, collisions, fire, lightning, overturning, burglary, theft, or malicious acts.
• The plan covers third-party liability as per UAE Road Traffic Law.
• It includes protection during transit (loading, unloading, and transportation incidents).
• Two repair options —
  • Agency Repair – The vehicle is repaired at an authorised dealer’s workshop. This is usually offered for brand-new cars and generally up to 2 years from first registration.
  • Non-Agency Repair – Repairs are done at AFNIC-approved garages outside the dealer.
• Vehicle eligibility
  • Comprehensive cover is normally available for newer vehicles.
  • Older cars (around 10+ years for private cars and 7+ years for commercial vehicles) are generally not eligible.

AFNIC Insurance Type 2: Third-Party Motor Insurance

1. This is the basic and legally required cover.
2. It covers your legal liability if your vehicle causes injury or death to a third party.
3. The plan can also cover third-party property damage caused by your vehicle.
4. It meets UAE Road Traffic Law requirements.

What is Covered and Not Covered in AFNIC Motor Insurance in UAE?

The table below highlights what each plan of AFNIC Insurance covers and excludes —

1. Comprehensive Motor Insurance

Coverage Feature	Included	Not Included
Damage from accidents or collisions	✔ Yes	—
Overturning of the vehicle	✔ Yes	—
Fire, external explosion, lightning, self-ignition	✔ Yes	—
Burglary or theft	✔ Yes	—
Malicious or intentional damage caused by a third party	✔ Yes	—
Damage during transit (loading, unloading, transport)	✔ Yes	—
Third-party injury, death, or property damage	✔ Yes	—
Agency repair	✔ If included in the policy	✘ If not selected
Non-agency repair	✔Yes	—
Comprehensive cover for older vehicles	—	✘ Usually not available for vehicles beyond AFNIC’s age limit
Accidents involving unlicensed drivers	—	✘ Not covered
Inflated or reduced vehicle values	—	✘ Not accepted (AFNIC uses actual market value)

2. Third Party Motor Insurance

Coverage Feature	Included	Not Included
Third-party bodily injury or death	✔ Yes	—
Third-party property damage	✔ Yes	—
Damage to your own vehicle	—	✘ Not covered
Fire, theft, collision, overturning (own vehicle)	—	✘ Not covered
Agency or non-agency repair (own vehicle)	—	✘ Not covered
Claims without a valid UAE driving licence	—	✘ Not covered

Which Documents are Required to Buy AFNIC Car Insurance?

Most insurers, including AFNIC Insurance, need a few basic details to issue a policy. Here are the documents usually required when buying AFNIC car insurance in Dubai or any other emirate —

1. Emirates ID – To confirm your identity and residency
2. Valid UAE Driving Licence – For the owner or main driver
3. Vehicle Registration Card (Mulkiya) – For all registered vehicles
4. Previous Insurance Policy – If you are renewing or switching from another insurer
5. Vehicle Details – Such as chassis number, plate number, and model year
6. For New Cars – Purchase invoice and customs documents may be required

Claim Process of AFNIC Insurance in UAE

AFNIC car insurance has a simple claims process that is the same across all its branches.

Step 1: Contact AFNIC

You must first inform AFNIC about the accident. You can reach them through:

1. 800-AFNIC (23642)
2. Email: callcenter@fujinsco.ae

AFNIC Insurance advises keeping the basic documents ready. This usually includes the police report, Emirates ID, driving licence, and vehicle registration card.

Step 2: Visit the Nearest AFNIC Claims Office

Once the claim is opened, take your vehicle to the closest AFNIC Insurance claims office for inspection. The team there will review the damage and guide you through the next steps.

Step 3: Repair Process

After the assessment —

1. If your policy includes Agency Repair, AFNIC will send the vehicle to the authorised dealer’s workshop.
2. If your policy includes Non-Agency Repair, the vehicle will be sent to one of AFNIC’s approved garages.

What Happens Next: After AFNIC gets your approval and finishes its internal checks, the repair work will start. You can follow up for updates using the same helpline.

RTA/Driving License
Roads and Transport Authority (RTA)	Roads and Transport Authority (RTA) Dubai
Roads and Transport Authority (RTA) Sharjah	Transfer Car Registration
Driving License UAE	Driving License in Dubai

Important Articles Related AFNIC Car Insurance
AFNIC Car Insurance Reviews	AFNIC Car Insurance claim
AFNIC Comprehensive Car Insurance	AFNIC Third Party Car Insurance

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