QIC
QIC is the UAE branch of Qatar Insurance Company, a listed insurer founded in Qatar in 1964. It has worked in the UAE since 1968 and has offices in Dubai and Abu Dhabi. It sells home, car, medical, travel and business insurance.
Out of 5 from 1,822 Google reviews across 2 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about QIC
QIC averages 2.2 out of 5 across 1,822 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
QIC home insurance
QIC’s Home All Risks wording on its UAE site covers buildings, contents, personal belongings and domestic helpers. The file was uploaded in January 2016, so ask QIC for the current wording.
| Product | Type | What it is |
|---|---|---|
| Home All Risks | Buildings, contents and belongings | Policy wording uploaded in January 2016.1 |
| Cover | With this insurer | Details |
|---|---|---|
| Single article limit | Depends on cover | AED 5,000 unless the schedule shows another amount.1 |
| Storm or flood | Included | Covered, excluding frost, fences, gates and hedges, and damage that happens gradually.1 |
| Tracing and accessing leaks | Included | Up to 5% of the buildings sum insured.1 |
| Loss of rent and alternative accommodation | Included | 20% of the buildings or contents sum insured.1 |
| Valuables | Depends on cover | Up to one third of the personal belongings sum insured.1 |
| Under-insurance | Depends on cover | A claim is reduced in proportion if the property is worth more than the sum insured.1 |
Check before you buy
- Several covers stop once the home is unoccupied, defined as more than 45 consecutive days.1
- Accidental damage to buildings excludes water entering the home, however it happened.1
Policy documents
- Home All Risks Insurance Policy WordingPolicy wording, 2016
How to claim with QIC
Steps
Documents to have ready
- Proof of value for any item over the single article limit, such as receipts, valuations or photos1
- QIC’s home insurance page asks you to report incidents or damage within 24 hours. The 2016 wording says to report in writing without unnecessary delay.21
Not happy with a claim? Complain to QIC at complaints.uae@qicuae.com first. How to complain about a home insurer.
About QIC
- Legal name
- Qatar Insurance Co
- Founded
- 1964 in Qatar. UAE operations since 1968.4
- Type
- Conventional insurer.18
- Owner
- QIC UAE is a branch of Qatar Insurance Company Q.S.P.C., a listed Qatari company. Its shareholders include the Government of Qatar (15%) and the Qatar royal family (9%).8
- Listed on
- Parent company listed on the Qatar Stock Exchange, ticker QATI.9
- Headquarters
- UAE office: Dubai Hills, Dubai. Group head office: Tamin Street, West Bay, Doha, Qatar.5
- UAE branches
- Two offices: Dubai and Abu Dhabi.20
- Also sells
- Medical, Travel, Home, Pet, Cyber, Yacht, Business3
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 382
Financial strength
Group net profit for the first nine months of 2026 fell 4.3% to QAR 562 million after claims linked to the regional conflict. QIC says the impact was mainly in its international specialty business.
Awards
News and official actions
- Official action
The Abu Dhabi Department of Health fined QIC UAE AED 110,000 over record-keeping on medical insurance policies at its Abu Dhabi office. QIC says the branch has improved its documentation.13
- Official action
Qatar Central Bank fined the parent company QAR 500,000 for not meeting conditions attached to a board member's appointment.13
- Official action
Qatar Central Bank fined the parent company QAR 100,000 over quarterly reconciliations with insurers and reinsurers.13
- QIC Group reports QAR 562 million net profit for nine months of 2026
Profit fell 4.3% while gross written premium rose 9% to QAR 8.5 billion. These are group figures.9
- S&P affirms QIC at A- with a stable outlook
S&P said it was too early to assess the impact of the regional conflict on QIC's business.6
- QIC Group reports QAR 806 million net profit for 2025
Net profit rose 10% and gross written premiums grew 9% to QAR 9.9 billion. These are group figures.10
- AM Best affirms QIC at A- with a stable outlook
The rating covers Qatar Insurance Company Q.S.P.C. and its subsidiary Antares Re.7
- QIC's UAE branch revenue about doubled in 2024, BADRI analysis shows
Consultancy BADRI puts 2024 UAE insurance revenue at AED 2,140 million in one table and AED 2,150 million in another, up from about AED 1.1 billion. Its 2024 profit figure is AED 46 million in one table and AED 47 million in another.16
Contact QIC
- Phone+971 4 222 4045
- Toll free800 4742
- Emailassist@qicuae.com
- Complaints emailcomplaints.uae@qicuae.com
- ComplaintsOpen complaints page
- HoursOffices: the branch locator says Monday to Friday, 8 am to 5 pm. The Customer Care page says 8 am to 4:30 pm. Sales contact centre: Monday to Friday 8 am to 6 pm, Saturday 8 am to 2 pm. Claims contact centre: Monday to Saturday, 8 am to 8 pm. The ae.qic.online site says 24/7.
- Head officeDubai Hills Business Park Building 4, 5th floor, next to Dubai Hills Mall, Al Khail Road, Dubai
Branches (2)
| Branch | Address | Phone |
|---|---|---|
| QIC Dubai | Dubai Hills Business Park Building 4, 5th floor, next to Dubai Hills Mall, Al Khail Road, Dubai. The Locations page on qicuae.com gives Office 210, Al Dana Centre, Al Maktoum Road, Deira. | 800 4742 |
| QIC Abu Dhabi | The Landmark, 13th Floor, 116 Khadim Bin Butti Al Hamed Street, Al Hisn, Al Markaziyah West, Abu Dhabi. The policy wording and ae.qic.online give Al Manara Building, Muroor Road. | 800 4742 |
Common questions
What is QIC’s single article limit on home insurance?
AED 5,000 unless your schedule shows another amount, in the wording on QIC’s UAE site.1
How long can my home be empty on a QIC policy?
The wording defines unoccupied as more than 45 consecutive days, after which several covers stop.1
What do QIC reviews say?
On Google, QIC’s UAE offices average 2.2 out of 5 across 1,822 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
21
1QIC, Home All Risks Insurance Policy Wording. Last checked 12 Nov 2026. Source document: Home All Risks Insurance Policy Wording
2Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
3QIC UAE, Car Insurance. Last checked 5 Nov 2026. Source document: Car Insurance
4QIC UAE, Welcome to Qatar Insurance Company - UAE. Last checked 5 Nov 2026. Source document: Welcome to Qatar Insurance Company - UAE
5QIC UAE, Head Office. Last checked 5 Nov 2026. Source document: Head Office
6S&P Global Ratings, Research Update: Qatar Insurance Co. 'A-' Ratings Affirmed; Outlook Stable. Last checked 5 Nov 2026. Source document: Research Update: Qatar Insurance Co. 'A-' Ratings Affirmed; Outlook Stable
7AM Best, AM Best Affirms Credit Ratings of Qatar Insurance Company Q.S.P.C. and Its Subsidiary. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Qatar Insurance Company Q.S.P.C. and Its Subsidiary
8AM Best, Best's Credit Report, Qatar Insurance Company. Last checked 5 Nov 2026. Source document: Best's Credit Report, Qatar Insurance Company
9QIC Group, Earnings Release 9M 2026. Last checked 5 Nov 2026. Source document: Earnings Release 9M 2026
10QIC Group, QIC reports a Net Profit Before Pillar II Tax of QAR 874 million for the year 2025. Last checked 5 Nov 2026. Source document: QIC reports a Net Profit Before Pillar II Tax of QAR 874 million for the year 2025
11QIC Group, Investor Presentation Q3 2026. Last checked 5 Nov 2026. Source document: Investor Presentation Q3 2026
12QIC Group, Financial Results Q3 2026. Last checked 5 Nov 2026. Source document: Financial Results Q3 2026
13QIC Group, Annual Report 2025. Last checked 5 Nov 2026. Source document: Annual Report 2025
14QIC UAE, Press Releases. Last checked 5 Nov 2026. Source document: Press Releases
15Atlas Magazine, Prasad Aniyil, new CEO of QIC UAE. Last checked 5 Nov 2026. Source document: Prasad Aniyil, new CEO of QIC UAE
16BADRI Management Consultancy, UAE Insurance Industry (Including Foreign Branches) Performance Analysis, Year End 2024. Last checked 5 Nov 2026. Source document: UAE Insurance Industry (Including Foreign Branches) Performance Analysis, Year End 2024
17Trustpilot, Qicuae. Last checked 5 Nov 2026. Source document: Qicuae
18eSanad, QIC UAE Insurance and Claims Guide. Last checked 5 Nov 2026. Source document: QIC UAE Insurance and Claims Guide
19QIC UAE, Motor Insurance Key Fact Document. Last checked 5 Nov 2026. Source document: Motor Insurance Key Fact Document
20QIC UAE, Branch Locator. Last checked 5 Nov 2026. Source document: Branch Locator
21QIC, Home Insurance. Last checked 12 Nov 2026. Source document: Home Insurance
- Owner
- Propertyinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published