Tokio Marine
Tokio Marine in the UAE is a branch of Tokio Marine & Nichido Fire Insurance of Japan, part of Tokio Marine Holdings, and opened in Dubai in 1976. Al Futtaim Development Services is its UAE agent. It sells home, car and travel insurance to individuals.
Out of 5 from 617 Google reviews across 3 offices
- Trustpilot3.516 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Tokio Marine
Tokio Marine averages 3.3 out of 5 across 617 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
Tokio Marine home insurance
Tokio Home Protection is for individuals who own, rent or lease an apartment or villa in Dubai, Abu Dhabi or the northern emirates. You choose the sums insured and buy online.
| Product | Type | What it is |
|---|---|---|
| Tokio Home Protection | Buildings and contents | Building structure, home contents, electrical and electronic items, jewellery and other valuables.1 |
| Cover | With this insurer | Details |
|---|---|---|
| Insured events | Included | Fire, lightning, explosion, earthquake, smoke, storm and flood, riot, malicious damage, impact and others listed on the product page.1 |
| Liability | Included | Third party property damage and injury in the UAE and worldwide, excluding the USA and Canada.1 |
| Tenant’s or landlord’s liability | Depends on cover | Listed as an extension, as applicable. Ask Tokio Marine whether it is in your policy.1 |
| Loss of rent or alternative accommodation | Included | Rent lost, or the reasonable extra cost of similar accommodation, until the home is fit to live in.1 |
| Domestic servants | Depends on cover | Personal accident cover with medical and repatriation expenses, with extensions for personal effects and employer’s liability. The product page does not say whether this is built in or extra. Ask Tokio Marine.1 |
| Personal accident at home | Included | For the policyholder and family at home, including injury from fire or thieves.1 |
About Tokio Marine
- Legal name
- Tokio Marine & Nichido Fire Insurance Co.Ltd
- Founded
- 1976 (UAE branch)3
- Type
- Conventional insurer15
- Owner
- A branch of Tokio Marine & Nichido Fire Insurance of Japan, part of Tokio Marine Holdings. Al Futtaim Development Services acts as its UAE agent.3
- Listed on
- Parent Tokio Marine Holdings is listed on the Tokyo stock exchange, code 87668
- Headquarters
- Single Business Tower, Sheikh Zayed Road, Dubai18
- UAE branches
- Two offices: Dubai and Abu Dhabi18
- Also sells
- Home, Travel, Health, Personal accident, Property, Marine cargo, Workmen compensation, Public liability, Business packages11
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 452
Financial strength
The ratings and figures belong to the Japanese company and its group. The UAE business is a branch of that company.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| AM Best | A++ (Superior) financial strength, aa+ issuer credit, Stable5 | Parent group | 25 Sept 2026 |
| S&P Global Ratings | A+ financial strength, Positive7 | Parent group | 20 Feb 2026 |
| Fitch Ratings | AA- (Very Strong) insurer financial strength, Stable6 | Parent group | 6 Feb 2026 |
| Moody's | Aa3 insurance financial strength, Stable4 | Parent group | 24 Feb 2026 |
| Period | Premiums | Profit | Assets | Solvency |
|---|---|---|---|---|
| FY2025, year to 31 March 2026. Tokio Marine & Nichido Fire, Japan, company only. Premiums are direct premiums written. (group)9 | JPY 2.81tn | JPY 731.13bn | JPY 9.76tn | |
| FY2025, year to 31 March 2026. Tokio Marine Holdings, whole group, Japanese GAAP. Premiums are direct premiums written including deposit premiums. (group)8 | JPY 6.35tn | JPY 980.43bn | JPY 31.96tn | |
| 31 March 2026. Tokio Marine Holdings, whole group, economic value-based solvency margin ratio, from the company's own report. AM Best's release of 25 September 2026 gives the group's economic solvency ratio at the same date as 268%. (group)10 | 207.8% |
News and official actions
- Official action
Japan's Financial Services Agency ordered Tokio Marine & Nichido Fire and three other insurers to improve their business operations after information leaks at their insurance agencies in Japan.12
- Official action
The Japan Fair Trade Commission issued cease and desist orders and surcharge payment orders against Tokio Marine & Nichido Fire and other insurers for coordinating premiums and bids on contracts in Japan, including car insurance for the Tokyo police.17
- Official action
Japan's Financial Services Agency issued a business improvement order to Tokio Marine & Nichido Fire and other large insurers in Japan over price fixing in contracts with corporate clients.13
- AM Best affirms A++ rating of Tokio Marine & Nichido Fire
AM Best kept the rating of the Japanese company and its subsidiaries at A++ (Superior), with a stable outlook.5
- Tokio Marine UAE appoints Purple Fable as creative and social media agency
The role covers social media management and performance marketing for the UAE business.16
- Tokio Marine Holdings reports results for the year to March 2026
Group net income under Japanese accounting rules was 980.4 billion yen, down from 1,055.3 billion yen the year before.8
- S&P raises Tokio Marine Group outlook to positive
S&P kept the A+ rating on core group companies and revised the outlook from stable to positive.7
Contact Tokio Marine
- Phone043502777
- Toll free8008663
- Emailcallcenter@tmnf.ae
- ComplaintsOpen complaints page
- Hours8am to 5pm, Monday to Friday
- Head officeOffices 302-305, Floor 3, Single Business Tower, PO Box 152, Sheikh Zayed Road, Dubai
Common questions
What does Tokio Marine home insurance cover?
Tokio Home Protection can cover the building, contents, electronics, jewellery and valuables, liability, loss of rent or alternative accommodation and personal accident at home, and domestic servant cover.1
Can tenants buy Tokio Marine home insurance?
Yes. Tokio Marine says the product is for individuals who own, rent or lease an apartment or villa in Dubai, Abu Dhabi or the northern emirates.1
What do Tokio Marine reviews say?
On Google, Tokio Marine’s UAE offices average 3.3 out of 5 across 617 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
1Tokio Marine & Nichido Fire Insurance, 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
3Tokio Marine Holdings, Business & Solutions: TMNF Dubai branch. Last checked 5 Nov 2026. Source document: Business & Solutions: TMNF Dubai branch
4Tokio Marine Holdings, Rating Information, as of 24 February 2026. Last checked 5 Nov 2026. Source document: Rating Information, as of 24 February 2026
5AM Best via Business Wire, AM Best Affirms Credit Ratings of Tokio Marine & Nichido Fire Insurance Co., Ltd. and Its Subsidiaries, 25 September 2026. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Tokio Marine & Nichido Fire Insurance Co., Ltd. and Its Subsidiaries, 25 September 2026
6Fitch Ratings, Fitch Affirms Tokio Marine & Nichido at IFS 'AA-'; Outlook Stable. Last checked 5 Nov 2026. Source document: Fitch Affirms Tokio Marine & Nichido at IFS 'AA-'; Outlook Stable
7S&P Global Ratings, Research Update: Tokio Marine Group Outlooks Revised To Positive. Last checked 5 Nov 2026. Source document: Research Update: Tokio Marine Group Outlooks Revised To Positive
8Tokio Marine Holdings, Summary of Consolidated Business Results under Japanese GAAP, year ended 31 March 2026. Last checked 5 Nov 2026. Source document: Summary of Consolidated Business Results under Japanese GAAP, year ended 31 March 2026
9Tokio Marine Holdings, Information of major subsidiaries' business results, year ended 31 March 2026. Last checked 5 Nov 2026. Source document: Information of major subsidiaries' business results, year ended 31 March 2026
10Tokio Marine Holdings, Economic Value-based Solvency Margin Ratio as of 31 March 2026. Last checked 5 Nov 2026. Source document: Economic Value-based Solvency Margin Ratio as of 31 March 2026
11Tokio Marine UAE, Home page. Last checked 5 Nov 2026. Source document: Home page
12Japan Financial Services Agency, FSA Weekly Review No.630. Last checked 5 Nov 2026. Source document: FSA Weekly Review No.630
13The Business Times, Japan penalises top property insurers for price fixing. Last checked 5 Nov 2026. Source document: Japan penalises top property insurers for price fixing
14Trustpilot, Tokio Marine & Nichido Fire Insurance Company profile. Last checked 5 Nov 2026. Source document: Tokio Marine & Nichido Fire Insurance Company profile
15eSanad (broker site), Tokio Marine & Nichido Fire Insurance Co. Ltd. UAE. Last checked 5 Nov 2026. Source document: Tokio Marine & Nichido Fire Insurance Co. Ltd. UAE
16Campaign Middle East, Tokio Marine Insurance UAE picks Purple Fable Marketing for creative, social media. Last checked 5 Nov 2026. Source document: Tokio Marine Insurance UAE picks Purple Fable Marketing for creative, social media
17Japan Fair Trade Commission, The JFTC Issued Cease and Desist Orders and Surcharge Payment Orders against Non-Life Insurance Companies, 31 October 2024. Last checked 5 Nov 2026. Source document: The JFTC Issued Cease and Desist Orders and Surcharge Payment Orders against Non-Life Insurance Companies, 31 October 2024
18Tokio Marine UAE, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
- Owner
- Propertyinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published