AFNIC 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.

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 plans. AFNIC comprehensive car insurance plans are designed to compensate against every possible kind of damage or loss that may occur in accidents.

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 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



Damage To the Insured Vehicle


Third-Party Bodily Injury


Third- Party Property Damage


24/7 Roadside Assistance Service


Theft and Fire Coverage


Natural Calamities


Agency Repair Service


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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 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.

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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


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.

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