GIG Gulf
GIG Gulf is the insurer that was called AXA Gulf until 2022. It sells home, car, health, travel and business insurance in the UAE through branches of a company registered in Bahrain. Its home product is Home Comfort.
Out of 5 from 2,067 Google reviews across 4 offices
- Trustpilot4.0188 ratings
- eKomi (all GIG entities, last 12 months)4.54,937 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about GIG Gulf
GIG Gulf averages 4.0 out of 5 across 2,067 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
GIG Gulf home insurance
Home Comfort combines buildings, contents, personal belongings, money, documents, loss of rent, liability, accidental injuries, domestic helper, home assistance and personal cyber covers. Your schedule sets which apply.
| Product | Type | What it is |
|---|---|---|
| Home Comfort | Buildings, contents and liability | Sections A to K. Each section applies only when shown in your schedule.1 |
| Cover | With this insurer | Details |
|---|---|---|
| Buildings excess | Included | AED 1,000, plus 10% of the claim for riot, civil commotion or malicious damage.1 |
| Contents excess | Included | AED 250 unless the schedule says otherwise.1 |
| Contents on a first loss basis | Depends on cover | For contents insured for AED 350,000 or less the under-insurance clause is deleted. Above that it applies.1 |
| Single item not listed | Depends on cover | Up to AED 40,000. You pay 10% of a claim for any item over AED 40,000.1 |
| Valuables | Depends on cover | Up to one third of the contents and belongings sums insured, unless the schedule says more.1 |
| Loss of rent or alternative accommodation | Depends on cover | 20% of the buildings or contents sum insured, up to AED 500,000.1 |
| Liability | Depends on cover | Owner’s liability to the public and occupier’s personal and employer’s liability up to AED 5,000,000.1 |
| Tenant’s liability | Optional extra | Up to AED 1,000,000 unless the schedule shows another amount.1 |
More cover details (3)
| Cover | With this insurer | Details |
|---|---|---|
| Domestic helper | Optional extra | Accidental death or permanent total disability AED 30,000, medical expenses up to AED 10,000, for a named helper whose visa you sponsor.1 |
| Accidental damage | Optional extra | Buildings, contents and belongings accidental damage each apply only when shown in the schedule.1 |
| Home assistance | Depends on cover | Emergency plumber, electrician, locksmith and glazier, and one call with a property dispute lawyer.1 |
Check before you buy
- Several covers stop while the home is unoccupied, defined as more than 60 consecutive days. You can ask to extend this for an extra premium.1
- Malicious damage and theft by paying guests, tenants or residents are excluded.1
- Theft needs violent entry and a police report identifying the items.1
- The cost of finding and fixing the source of a leak is excluded.1
Policy documents
- Home Comfort, terms and conditionsPolicy handbook
How to claim with GIG Gulf
Steps
- GIG Gulf aims to share the outcome of a complaint within 7 working days.1
Not happy with a claim? Use the GIG Gulf complaints page first. How to complain about a home insurer.
About GIG Gulf
- Legal name
- Gulf Insurance Group (Gulf) B.S.C Closed
- Type
- Conventional insurer. The CBUAE register lists it as a foreign insurance company.3
- Owner
- Gulf Insurance Group K.S.C.P. of Kuwait is the parent company.5
- Listed on
- Its parent, Gulf Insurance Group, is listed on Boursa Kuwait under the ticker GINS.13
- Headquarters
- Registered in Bahrain.5
- UAE branches
- Two open branches: Main Branch in Business Bay, Dubai, and Al Nahyan Complex in Abu Dhabi. Google also lists offices in Academic City, Dubai, and Sharjah City Centre. The branch finder does not list Academic City and marks Sharjah City Centre as permanently closed.8
- Also sells
- Health, Home, Travel, Motorcycle, Yacht, Personal accident, Golf, Relocation, Business10
- Previous name
- AXA Gulf, until 202211
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 692
Financial strength
The UAE business is run as branches of a company registered in Bahrain, so the UAE figures are branch figures and the AM Best rating covers the whole company.
Awards
- Health Insurer of the Year, MENA Intelligent Insurer Awards, 202516
Recent news
- AM Best affirms GIG Gulf at A with a stable outlook
AM Best put its 2025 combined ratio, which compares claims and costs with premium income, at 95.5%, against 99.2% in 2024.5
- UAE branches' 2025 results approved for issue
Insurance revenue was AED 1.71 billion and the after-tax result was AED 82.7 million, against AED 17.5 million in 2024.4
- AXA Gulf becomes GIG Gulf
The notice said policies, premiums and terms stayed the same.11
- Gulf Insurance Group completes purchase of AXA in the Gulf
The deal included the AXA and Yousuf Bin Ahmed Kanoo shareholdings in AXA Gulf.12
Contact GIG Gulf
- Phone, from outside the UAE+971 4 5074085
- Toll free800 292
- Emailinfo.dubai@gig-gulf.com
- ComplaintsOpen complaints page
- HoursThe site footer says 8am to 6pm, all week. The branch finder says branches open 8am to 5pm, Monday to Friday. The home page says 24/7 support. The 2024 handbooks give Sunday to Thursday 8am to 10pm and Saturday 8am to 5pm for claim queries.
- Head officeFloor 39, Churchill Executive Tower, Business Bay, P.O. Box 5862, Dubai
Branches (2)
| Branch | Address | Phone |
|---|---|---|
| Main Branch, Business Bay | Churchill Executive Tower, Business Bay, Floor 39, Dubai | |
| Al Nahyan Complex | Plaza 30, Building 11, Block B, 72 Al Meel Street, Nahyan Area, Abu Dhabi |
Common questions
What does GIG Gulf home insurance cover?
Home Comfort can cover buildings, contents, personal belongings, money, documents, loss of rent, liability, accidental injuries, a domestic helper, home assistance and personal cyber risks. Your schedule shows which sections you have.1
Is GIG Gulf the same as AXA?
GIG Gulf is the insurer that was called AXA Gulf until 2022.11
Is GIG Gulf home contents cover subject to the average clause?
Not for contents insured for AED 350,000 or less, which are covered on a first loss basis. Above AED 350,000 the under-insurance clause applies.1
What do GIG Gulf reviews say?
On Google, GIG Gulf’s UAE offices average 4.0 out of 5 across 2,067 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
19
1GIG Gulf, Home Comfort, policy handbook and terms and conditions. Last checked 12 Nov 2026. Source document: Home Comfort, policy handbook and terms and conditions
2Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
3Central Bank of the UAE, CB Register September of 2026. Last checked 5 Nov 2026. Source document: CB Register September of 2026
4Gulf Insurance Group (Gulf) B.S.C. (c), UAE Branches, Summary financial information for the year ended 31 December 2025. Last checked 5 Nov 2026. Source document: Summary financial information for the year ended 31 December 2025
5AM Best via Business Wire, AM Best Affirms Credit Ratings of Gulf Insurance Group (Gulf) B.S.C. (c). Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Gulf Insurance Group (Gulf) B.S.C. (c)
6AM Best, AM Best Affirms Credit Ratings of Gulf Insurance Group K.S.C.P. and Gulf Insurance and Reinsurance Company K.S.C. (Closed). Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Gulf Insurance Group K.S.C.P. and Gulf Insurance and Reinsurance Company K.S.C. (Closed)
7Gulf Insurance Group, Credit rating. Last checked 5 Nov 2026. Source document: Credit rating
8GIG Gulf, Find a branch. Last checked 5 Nov 2026. Source document: Find a branch
9GIG Gulf, Contact us. Last checked 5 Nov 2026. Source document: Contact us
10GIG Gulf, Comprehensive car insurance. Last checked 5 Nov 2026. Source document: Comprehensive car insurance
11GIG Gulf, AXA Gulf is now GIG Gulf. Last checked 5 Nov 2026. Source document: AXA Gulf is now GIG Gulf
12Gulf Insurance Group, Gulf Insurance Group completes the acquisition of AXA in the Gulf. Last checked 5 Nov 2026. Source document: Gulf Insurance Group completes the acquisition of AXA in the Gulf
13Gulf Insurance Group, Corporate profile 2026. Last checked 5 Nov 2026. Source document: Corporate profile 2026
14Gulf Insurance Group, 2025 annual report, key operational and financial highlights. Last checked 5 Nov 2026. Source document: 2025 annual report, key operational and financial highlights
15Gulf Insurance Group, News. Last checked 5 Nov 2026. Source document: News
16Gulf Daily News, GIG Gulf wins health insurer award. Last checked 5 Nov 2026. Source document: GIG Gulf wins health insurer award
17Trustpilot, gig-gulf.com reviews. Last checked 5 Nov 2026. Source document: gig-gulf.com reviews
18eKomi, GIG Gulf - Motor, Home, Travel customer reviews. Last checked 5 Nov 2026. Source document: GIG Gulf - Motor, Home, Travel customer reviews
19S&P Global Ratings, Kuwait-Based Gulf Insurance Group K.S.C.P. 'A+' Ratings Affirmed; Outlook Stable. Last checked 5 Nov 2026. Source document: Kuwait-Based Gulf Insurance Group K.S.C.P. 'A+' Ratings Affirmed; Outlook Stable
- Owner
- Propertyinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published