ADNIC
ADNIC is an Abu Dhabi insurer set up in 1972 and listed on the Abu Dhabi Securities Exchange. It sells home, car, health, travel and other insurance to people and businesses, and lists 13 offices in the UAE.
Out of 5 from 2,358 Google reviews across 13 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about ADNIC
ADNIC averages 3.5 out of 5 across 2,358 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only home insurance.
Read the Google reviews for each office
ADNIC home insurance
HomeSafe comes in four levels by size of household, and covers buildings, including apartments, contents and personal belongings.
| Product | Type | What it is |
|---|---|---|
| HomeSafe Bronze | Home contents | Contents up to AED 50,000.1 |
| HomeSafe Silver | Home contents | Contents up to AED 150,000.1 |
| HomeSafe Gold | Home contents | Contents up to AED 250,000.1 |
| HomeSafe Platinum | Home contents | Contents up to AED 400,000.1 |
| Cover | With this insurer | Details |
|---|---|---|
| Buildings | Included | Buildings are covered, including apartments.1 |
| Accidental damage for tenants | Included | ADNIC says renters are covered for accidental damage to the property to protect the deposit.1 |
Check before you buy
- Get ADNIC’s approval for your claim before you start repairs.1
Policy documents
- HomeSafe sales brochureBrochure
- HomeSafe proposal formProposal form
How to claim with ADNIC
- Claims phone800 8040
- Claims emailcomclaims.nm@adnic.ae
- Claim onlineOpen claim page
Steps
Documents to have ready
- Completed claim form1
- Report within 24 hours from the time of discovery.1
- ADNIC says a claim is approved within 7 working days once all documents are in.1
Not happy with a claim? Complain to ADNIC at contactcenter@adnic.ae first. How to complain about a home insurer.
About ADNIC
- Legal name
- Abu Dhabi National Insurance Company
- Founded
- 197214
- Type
- Conventional insurer. It writes insurance and reinsurance of all classes.17
- Owner
- A listed company. Mamoura Diversified Global Holding PJSC holds 24.77%, Khalaf Bin Ahmed Al-Otaibah 10.11% and S B R Investment LLC 7.37%. The rest, 57.75%, is held by others. Mamoura is wholly owned by Mubadala. ADNIC's 2025 accounts say the Government of Abu Dhabi holds 24% through Mamoura.15
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker ADNIC10
- Headquarters
- ADNIC Building, Khalifa Street, Abu Dhabi17
- UAE branches
- The contact page lists 13 offices: 8 in Abu Dhabi, 3 in Al Ain, 1 in Dubai, 1 in Sharjah. The motor page says six branches.12
- Also sells
- Health, Home, Travel, Personal accident, Personal watercraft, Business insurance11
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 12
Financial strength
Profit after tax for H1 2026 was AED 201 million, down from AED 235.3 million, and the group cited provisions for geopolitical risks, flood claims and investment volatility. The surplus over its solvency capital requirement was AED 825.7 million at 31 March 2026, down from AED 1,818.3 million at 31 December 2025. Gross premiums for 2025 are AED 8.5 billion in the directors' report and AED 8,619 million in the March 2026 investor presentation.
Awards
Recent news
- AM Best keeps ADNIC at A (Excellent)
AM Best affirmed the rating with a stable outlook and assessed the balance sheet as very strong.3
- ADNIC reports lower first-half profit
Profit after tax was AED 201 million for the six months to 30 June 2026, against AED 235.3 million a year earlier, on gross premiums of AED 6,135.4 million.6
- ADNIC names an acting chief executive
Jugal Madaan became Acting CEO after Charalampos Mylonas resigned on 4 June 2026.5
- ADNIC opens a branch in India
ADNIC's branch in GIFT City, Gujarat, became fully operational on 1 April 2026.16
- Shareholders approve a 47% cash dividend
The AED 0.47 per share dividend for 2025 comes to AED 267.9 million.7
Contact ADNIC
- Phone024080100
- Toll free8008040
- WhatsApp+97124080900
- Emailinfo@adnic.ae
- Complaints emailcontactcenter@adnic.ae
- ComplaintsOpen complaints page
- HoursMonday to Thursday 8am to 5pm, Friday 8am to 12pm
- Head officeKhalifa Bin Zayed The First St, Abu Dhabi. P.O. Box 839.
Branches (13)
| Branch | Address | Phone |
|---|---|---|
| ADNIC Head Office | Khalifa Bin Zayed The First St, Abu Dhabi | 024080100 |
| Mussafah Branch | Musafah Industrial, M4, Near Mar Thoma Church, Abu Dhabi | 024080696 |
| Abu Dhabi Branch | Abu Dhabi Traffic Police Vehicle Test Section | 024080578 |
| Mahawi Office | Abu Dhabi Traffic Police Department, Vehicle Inspection Centre, Abu Dhabi - Al Ain Highway | 026585158 |
| Samha Traffic Branch | Samha ADNOC Station | 025620162 |
| Al Shamkha Branch | ADNOC Service Station | 024080576 |
| Ruwais Branch | Ruwais City, Al Dhannah Mall, K05 Kiosk, Ground Floor | 028772123 |
| Al Bahia Branch | Deerfields Townsquare Shopping Center, KG23 Kiosk, Garden Level | 024080950 |
| Al Ain Branch 1 | Khalaf Bin Ahmad Al Otaibah Building | 037641834 |
| Al Ain Branch 2 | Al Ain Traffic Police Department, Zakher | 037828666 |
| Al Ain Mizyad Branch | Abu Dhabi Traffic Police Dept.. ADNIC's contact page prints this 02 number. Its Google Maps listing shows 03 782 4250. | 027824250 |
| Dubai Branch | Dubai Supreme Court Complex, Umm Hurair 2. The contact page gives this number. The motor page gives 04 515 4851. | 045154850 |
| Sharjah Branch | Al Hosn Tower, Showroom No.2, Building 617/A, Al Ittihad Street | 065683743 |
Common questions
How do I report a home claim to ADNIC?
Call 800 8040, submit it online or email comclaims.nm@adnic.ae within 24 hours of discovery, and send a completed claim form. ADNIC contacts you within 2 working days to arrange an inspection.1
How long does ADNIC take to approve a home claim?
ADNIC says it approves a claim within 7 working days of receiving all the documents.1
Does ADNIC home insurance cover tenants?
ADNIC says that if you rent, you are covered for accidental damage to the property to protect your deposit.1
What do ADNIC reviews say?
On Google, ADNIC’s UAE offices average 3.5 out of 5 across 2,358 reviews, as of 5 November 2026. The reviews cover everything it sells, not only home insurance, so read recent ones that mention home claims.
Sources
18
1ADNIC, Home Insurance. Last checked 12 Nov 2026. Source document: Home Insurance
2Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
3AM Best via Business Wire on Yahoo Finance, AM Best Affirms Credit Ratings of Abu Dhabi National Insurance Company P.J.S.C.. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Abu Dhabi National Insurance Company P.J.S.C.
4S&P Global Ratings, Abu Dhabi National Insurance Co. 'A' Ratings Affirmed; Outlook Stable. Last checked 5 Nov 2026. Source document: Abu Dhabi National Insurance Co. 'A' Ratings Affirmed; Outlook Stable
5ADNIC, ADNIC announces appointing new Acting Chief Executive Officer. Last checked 5 Nov 2026. Source document: ADNIC announces appointing new Acting Chief Executive Officer
6Zawya, ADNIC reports resilient H1 2026 performance with net profit before tax of AED 225.1mln. Last checked 5 Nov 2026. Source document: ADNIC reports resilient H1 2026 performance with net profit before tax of AED 225.1mln
7ADNIC, ADNIC shareholders approve cash dividends of 47% at the Annual General Meeting. Last checked 5 Nov 2026. Source document: ADNIC shareholders approve cash dividends of 47% at the Annual General Meeting
8ADNIC, Global Recognition. Last checked 5 Nov 2026. Source document: Global Recognition
9ADNIC, A new achievement for Abu Dhabi National Insurance Company. Last checked 5 Nov 2026. Source document: A new achievement for Abu Dhabi National Insurance Company
10Abu Dhabi Securities Exchange, ADNIC company profile. Last checked 5 Nov 2026. Source document: ADNIC company profile
11ADNIC, Personal insurance products. Last checked 5 Nov 2026. Source document: Personal insurance products
12ADNIC, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
13Trustpilot, Adnic reviews. Last checked 5 Nov 2026. Source document: Adnic reviews
14ADNIC, About us. Last checked 5 Nov 2026. Source document: About us
15ADNIC, Investor Relations. Last checked 5 Nov 2026. Source document: Investor Relations
16ADNIC, Consolidated financial statements, 30 June 2026. Last checked 5 Nov 2026. Source document: Consolidated financial statements, 30 June 2026
17ADNIC, Consolidated financial statements, FY 2025. Last checked 5 Nov 2026. Source document: Consolidated financial statements, FY 2025
18ADNIC, Investor presentation, March 2026. Last checked 5 Nov 2026. Source document: Investor presentation, March 2026
- Owner
- Propertyinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published