ADNIC Comprehensive Car Insurance

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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Abu Dhabi National Insurance Company, or ADNIC is one of the more popular and reliable insurance providers in the UAE, with state of the art infrastructure, flawless customer support, and a wide range of policies. ADNIC car insurance is innovative and flexible, with ample benefits and accident covers. ADNIC comprehensive car insurance covers damages to the insured vehicle as well as third party liability, while the third party insurance only covers damages and bodily injury caused to the third party. 

Adnic not only offers smart solutions, but also provides a financial buffer and coverage against losses when the policyholder needs it the most. Buy Adnic comprehensive car insurance and drive your car hassle-free and stress-free on the streets of UAE.

ADNIC Comprehensive Car Insurance Vs Third Party Car Insurance - A comparison

Currently, Adnic offers comprehensive car insurance, as well as third party liability insurance. Adnic’s third party liability insurance only covers damages done to a third party in case of accidents, while Adnic comprehensive car insurance UAE also covers damages done to the insured vehicle.

The age of the vehicle, vehicle value, and budget determines the kind of insurance a policyholder should opt for. In the UAE, it is a compulsion for all vehicles to have a third party insurance.

The comparison between the three Adnic comprehensive car insurances and Adnic third party liability insurance is given below:

Features Third Party Liability Insurance Standard Comprehensive Car Insurance Gold Comprehensive Car Insurance Platinum Comprehensive Car Insurance
Coverage for third party property damage Covered Covered up to AED 2 million Covered up to AED 3.5 million Covered up to AED 5 million
Coverage for third party bodily damage Covered Covered Covered Covered
Emergency roadside assistance Covered Covered Covered Covered
Ambulance coverage Covered Covered Covered Covered
Coverage for damages to the insured vehicle Not covered Covered Covered Covered
Fire and theft coverage Not covered Covered Covered Covered
Inside agency repairs No Up to 1 year Up to 2 years Up to 5 years
Replacement vehicle No Yes Yes Yes
Off-road coverage for 4WD No Yes Yes Yes
Coverage for damages due to valet parking No Yes Yes Yes
Coverage for loss of personal belonging Not covered Not covered Covered, up to AED 5,000 Covered, up to AED 10,000
Emergency medical expenses Not covered Not covered Covered, up to AED 5,000 Covered, up to AED 10,000
Replacement of keys Not covered Not covered Covered, up to AED 1,000 Covered, up to AED 5,000
Depreciation waiver No No First 6 months First 12 months
Coverage for natural calamities Not covered Not covered Not covered Covered
Personal accident cover for driver (AED 60) Optional Optional Complimentary Complimentary
Personal accident cover for passengers (AED 30/passenger) Optional Optional Complimentary Complimentary
Oman TPL extension Optional Optional Optional Complimentary

Compare Car Insurance Plans

List of ADNIC Comprehensive Car Insurance Plans in UAE

Adnic offers three comprehensive car insurance policies that best suit the needs of the customers. Platinum and gold plans provide maximum coverage and ultimate comfort, while the standard plan is simple yet complete. 

The features of the three Adnic comprehensive car insurance policies are:

Plan Features Accident covers
Platinum
  • Comprehensive cover for 8 years
  • Emergency roadside assistance
  • Replacement vehicle
  • Loss of personal belongings
  • Inside agency repairs for 3 years
  • Damage caused by valet
  • Orange Card
  • Third party property damage up to AED 5 million
  • Unlimited coverage for third party bodily injury or death
  • Personal belonging cover of up to AED 10,000
Gold
  • Comprehensive cover for 8 years 
  • Emergency roadside assistance
  • Replacement vehicle
  • Loss of personal belongings
  • Inside agency repairs for 2 years
  • Third party property damage up to AED 3.5 million
  • Unlimited coverage for third party bodily injury or death
  • Personal belonging cover of up to AED 5,000
Standard
  • Comprehensive cover for 8 years 
  • Emergency roadside assistance
  • Replacement vehicle
  • Loss of personal belongings
  • Inside agency repairs for 1 year
  • Third party property damage up to AED 2 million
  • Unlimited coverage for third party bodily injury or death
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Benefits of Buying Comprehensive Car Insurance from ADNIC

Adnic offers several benefits and features to the policyholders. Buy Adnic comprehensive car insurance, and get access to these features:

  • Adnic comprehensive car insurance policy allows the policyholder to get the repairs done either at the authorised dealership of the vehicle, or at any of Adnic’s network garages. 
  • The plans can be customised to suit the needs of the policyholder, to provide all round coverage.
  • Policyholders are given a replacement vehicle while the insured vehicle is undergoing repairs.
  • Round the clock access to a qualified panel of expert customer care agents.

Adnic comprehensive car insurance can also be modified to include the following add-on benefits:

  • Cover for loss of personal belongings
  • Ambulance cover
  • Cover for off-road drive (only applicable for 4WD)
  • Cover for damages caused by valet
  • Inside agency repairs for new vehicles
  • Cover for emergency medical expenses
  • Extended geographical cover, that extends to Sultanate of Oman
  • Key replacement
  • Windscreen damage cover

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ADNIC Comprehensive Car Insurance - Inclusions

Adnic comprehensive car insurance covers damages caused to the insured vehicle as well as third party liability. If you have a car insurance from ADNIC, the following inclusions apply:

  • Choice of repair of the insured vehicle at the agency or dealership, or at any of Adnic’s prestigious network garages.
  • Third party liability in case of any bodily injury, disability, or death.
  • Third party liability in case of property damage.
  • Personal accident cover for the driver of the insured vehicle.
  • Personal accident cover for the passengers in the insured vehicle.
  • Oman TPL cover in case of road trips to Oman.
  • Round the clock emergency roadside assistance such as vehicle towing, battery boosting, emergency fuel delivery, vehicle registration, or lock out facilities.

ADNIC Comprehensive Car Insurance - Exclusions

Adnic comprehensive car insurance will not cover any damages in case of the following situations:

  • Any bodily injury or death resulting due to intentional vehicle damage.
  • Any bodily injury or death resulting due to the driver driving the vehicle under any influence, drugs, alcohol, or narcotic substances.
  • Any bodily injury or death caused due to the driver's mental impairment.
  • Any damages or accidents of the insured vehicle.
  • Accidents or damages that occur if the insured vehicle is being driven outside public roads.
  • Accidents or damages that occur if the insured vehicle is used in races, speeding trials, or rallies.
  • Accidents or damages in case of war or war-like situations.
  • Accidents or damages that occur if the insured vehicle is driven by someone who does not possess a valid driving licence.
  • Accidents or damages that occur if the vehicle is used for any other reason apart from what is mentioned in the policy.

FAQs

Q1. Which garage will the car be repaired at?

Ans: Under Adnic comprehensive car insurance, the policyholder can select for agency repairs or opt for Adnic’s own network of garages. If agency repairs are selected, then the vehicle will be repaired at the vehicle’s authorised dealership.Otherwise, the vehicle will be repaired at Adnic’s authorised garage - which are of high quality and adhere to strict quality control.

Q2. I have Adnic comprehensive car insurance and I wish to make a claim. What documents do I require?

Ans: In order to make a claim under Adnic comprehensive car insurance policy, the following documents must be submitted:

  • Identity proof
  • Copy of driver’s licence
  • Copy of vehicle’s registration card
  • Original police report
Q3. What is the procedure to make claims under Adnic comprehensive car insurance?

Ans: Adnic comprehensive car insurance offers easy and hassle-free claim settlements to the policyholders. Follow these steps:

  • Report the incident to the police immediately.
  • Inform Adnic’s motor insurance department of the incident as well.
  • Fill out the claim form with the required information, upload the documents, and submit the form online.
  • The claim team will look into the report and check the documents.
  • The policyholder will get a SMS with the claim reference number along with contact details of the repair workshop. The claim reference number can be used to track the status.

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