# AFNIC Comprehensive Car Insurance

**Published:** 2023-04-17
**Updated:** 2026-03-25
**Author:** Nupur Jain
**Reviewer:** Toshita Chauhan Balochi
**Original Url:** https://www.policybazaar.ae/car-insurance/afnic-comprehensive-car-insurance/

**We are Rated:** 4.7/5
**Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7)
**Insurance Partners:** 35+
**Trusted Customers:** 2 Million+
**Policies Sold:** 1 Million+

Al Fujairah National Insurance Co, aka AFNIC, needs no introduction to the insurance industry in the UAE. The company is dedicated to offering customisable insurance policies with impeccable features and benefits. The clientele of the company is spread across the UAE owing to its unique [motor insurance](https://www.policybazaar.ae/car-insurance/) plans. AFNIC comprehensive car insurance plans are designed to compensate against every possible kind of damage or loss that may occur in accidents.

Table of Content

*   [AFNIC Comprehensive Car Insurance vs. Third-Party Car Insurance: A Quick Comparison](#afnic-comprehensive-car-insurance-vs-thirdparty-car-insurance-a-quick-comparison)
*   [List of AFNIC Comprehensive Car Insurance in UAE, Dubai](#list-of-afnic-comprehensive-car-insurance-in-uae-dubai)
*   [Benefits of Buying AFNIC Comprehensive Car Insurance](#benefits-of-buying-afnic-comprehensive-car-insurance)
*   [AFNIC car insurance inclusions](#afnic-car-insurance-inclusions)
*   [AFNIC car insurance exclusions](#afnic-car-insurance-exclusions)
*   [FAQ's](#faq's)
*   [Know More About Car Insurance](#know-more-about-car-insurance)

 

## AFNIC Comprehensive Car Insurance vs. Third-Party Car Insurance: A Quick Comparison

Are you planning to buy AFNIC car insurance? Read below to understand the dissimilarities between AFNIC comprehensive and third-party car insurance:

### 1\. AFNIC comprehensive car insurance

The AFNIC [comprehensive car insurance](https://www.policybazaar.ae/comprehensive-car-insurance-cic/) plan is liable to provide coverage to its policyholders for all kinds of third-party and personal damage during an accident. However, the policyholder has to pay a premium of around AED 1300 to sign up for this insurance policy.

### 2\. AFNIC third-party car insurance

This plan covers damages and losses incurred by any third-party individual, vehicle or property during an accident. Premiums for this insurance policy are relatively cheap.

## List of AFNIC Comprehensive Car Insurance in UAE, Dubai

| Name of the policy: AFNIC Comprehensive Car Insurance Plan |
| --- |
| **Features** | **Availability** |
| Damage To the Insured Vehicle | Yes |
| Third-Party Bodily Injury | Yes |
| Third- Party Property Damage | Yes |
| 24/7 Roadside Assistance Service | Yes |
| Theft and Fire Coverage | Yes |
| Natural Calamities | Yes |
| Agency Repair Service | Yes |

  

## Car Insurance Addons

 

[Personal Accident Cover](https://www.policybazaar.ae/car-insurance/addons-personal-accident-cover/)

[Replacement Car Cover](https://www.policybazaar.ae/car-insurance/addons-replacement-car-cover/)

[Agency Repair](https://www.policybazaar.ae/car-insurance/addons-agency-repair/)

[Return to Invoice Cover](https://www.policybazaar.ae/car-insurance/addons-return-to-invoice-cover-car-insurance/)

[Roadside Assistance Cover](https://www.policybazaar.ae/roadside-assistance-in-car-insurance-cover-ciart/)

[No Claim Bonus](https://www.policybazaar.ae/no-claim-bonus-ciart/)

[Insured Declared Value](https://www.policybazaar.ae/everything-you-need-to-know-about-idv-in-the-uae-ciart/)

[Air Bag Protection](https://www.policybazaar.ae/car-insurance/articles/airbag-protection-cover/)

[Zero Depreciation Car Insurance](https://www.policybazaar.ae/know-about-zero-depriciation-car-insurance-ciart/)

[Passenger Cover With Car Insurance](https://www.policybazaar.ae/passenger-cover-with-car-insurance-ciart/)

[Engine Protection Cover](https://www.policybazaar.ae/engine-protection-cover-in-car-insurance-ciart/)

[Car Key Replacement Cover.](https://www.policybazaar.ae/car-insurance/addons-car-key-replacement-insurance/)

## Benefits of Buying AFNIC Comprehensive Car Insurance

AFNIC is a prominent name amongst the best car insurance providers in the UAE. Here are the benefits offered by the insurance company to its policyholders:

*   **Compensation for natural disasters:** [AFNIC car insurance plans](https://www.policybazaar.ae/afnic-car-insurance-cipvd/) compensate against many natural disasters like floods, earthquakes, rain etc.
*   **Compensation for man-made disasters:** The company is liable to compensate you for man-made disasters like theft, explosion, self-ignition, fire etc.
*   **24/7 assistance:** The company offers impeccable customer service to its policyholders. You can get help with any queries you have and ask for assistance whenever needed.
*   **Roadside assistance:** If you are stranded on deserted roads, and your vehicle becomes immobile due to an accident or maybe due to some mechanical or electrical malfunction, the company will provide you roadside assistance and get your car towed to the nearest agency repair station.
*   **No-claims discount:** If you don't file a claim in your previous insurance year, you can get amazing deals while renewing your car insurance policy.

  

## AFNIC car insurance inclusions

Inclusions available when you buy AFNIC comprehensive car insurance are:

*   Compensation for the insured vehicle
*   Roadside assistance
*   An additional personal accident covers worth AED 200,000
*   Agency repair at registered garages
*   Cashless repairing facility
*   Coverage against theft of the insured vehicle. The compensated amount will be equal to the declared insured value of the vehicle, as stated in the policy documents.
*   Compensation for management disasters like fire, explosion, terrorism, self-ignition and more

## AFNIC car insurance exclusions

The following are excluded when you buy AFNIC comprehensive car insurance:

*   No compensation for damage to electrical equipment
*   If the driver was found drunk or under the influence of other narcotics
*   If the driver was driving without a valid driving licence in the UAE

| Top UAE Comprehensive Car Insurance |
| --- |
| [GIG Gulf Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/gig-gulf-comprehensive-car-insurance/) | [New India Assurance Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/new-india-assurance-comprehensive-car-insurance/) |
| [ADNIC Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/adnic-comprehensive-car-insurance/) | [RAK Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/rak-comprehensive-car-insurance/) |
| [Sukoon Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/sukoon-comprehensive-car-insurance/) | [Tokio Marine Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/tokio-marine-comprehensive-car-insurance/) |
| [Liva Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/liva-comprehensive-car-insurance/) | [Adamjee Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/adamjee-comprehensive-car-insurance/) |
| [Watania Takaful Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/watania-takaful-comprehensive-car-insurance/) | [Insurance House Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/insurance-house-comprehensive-car-insurance/) |
| [Oriental Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/oriental-comprehensive-car-insurance/) | [Al Wathba Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/al-wathba-comprehensive-car-insurance/) |
| [Salama Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/salama-comprehensive-car-insurance/) | [Union Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/union-comprehensive-car-insurance/) |
| [Abu Dhabi National Takaful Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/abu-dhabi-national-takaful-comprehensive-car-insurance/) | [Orient Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/orient-comprehensive-car-insurance/) |
| [DNIR Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/dnir-comprehensive-car-insurance/) | [Watania Takaful Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/watania-takaful-comprehensive-car-insurance/) |
| [Al Sagr National Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/al-sagr-national-comprehensive-car-insurance/) | [DIC Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/dubai-comprehensive-car-insurance/) |

## FAQ's

### Q1. Can I get a no-claim bonus on AFNIC Car Insurance in the UAE?

**Ans:** Yes. You need to maintain an accident-free record and not file for a claim in the previous insurance year.

### Q2. What are the documents needed to buy AFNIC car insurance?

**Ans:** You will need the following:

*   Driving licence
*   Photocopy of the passport with the residence visa page
*   Emirates ID
*   Policy registration documents

### Q3. Is it mandatory to have a comprehensive car insurance policy in the UAE?

**Ans:** No, as per law, having a comprehensive car insurance plan is not compulsory. However, having it by your side can help you to protect your financial interests.

## Know More About Car Insurance

[Car Insurance Sharjah](https://www.policybazaar.ae/car-insurance-sharjah/) [Car Insurance Abu Dhabi](https://www.policybazaar.ae/car-insurance-abu-dhabi/) [Best Car Insurance in UAE](https://www.policybazaar.ae/car-insurance/articles/top-10-car-insurance-companies-in-dubai/) [Check Vehicle Insurance Status Online in UAE](https://www.policybazaar.ae/how-to-check-car-insurance-status-online-for-your-policy-ciart/) [Third Party Car Insurance](https://www.policybazaar.ae/third-party-car-insurance-cic/) [Car Insurance Calculator UAE](https://www.policybazaar.ae/car-insurance-calculator-uae/)[Car Depreciation Calculator](https://www.policybazaar.ae/car-insurance/car-depreciation-calculator/) [Temporary Car Insurance](https://www.policybazaar.ae/temporary-car-insurance-ciart/) [Gcc Car Insurance](https://www.policybazaar.ae/car-insurance/articles/gcc-car-insurance/)

[Salik Registration & Activation](https://www.policybazaar.ae/car-insurance/articles/salik-registration-and-activation-in-uae/) [Check Car History with Chassis Number](https://www.policybazaar.ae/car-insurance/articles/check-car-history-with-chassis-number-in-the-uae/) [Non Gcc Car Insurance](https://www.policybazaar.ae/non-gcc-vehicles-affect-car-insurance-premium-ciart/) [Check Car Accident History UAE](https://www.policybazaar.ae/car-insurance/articles/how-to-check-car-accident-history-in-uae/) [How to Remove Black Points in UAE](https://www.policybazaar.ae/black-points-in-the-uae-and-how-to-reduce-them-ciart/)[How to Transfer Car Insurance to New Owner](https://www.policybazaar.ae/how-to-transfer-car-insurance-from-one-person-to-another-ciart/) [Total Loss Car Insurance](https://www.policybazaar.ae/car-insurance/articles/total-loss-car-insurance/) [Car Transfer Ownership](https://www.policybazaar.ae/how-to-transfer-your-car-ownership-and-registration-in-the-uae-ciart/) [How to Check if Car is Gcc Spec](https://www.policybazaar.ae/car-insurance/articles/how-to-check-if-car-is-gcc-spec/)

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[Toyota Car Insurance](https://www.policybazaar.ae/car-insurance/toyota/)

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