Union Insurance
Union Insurance is a Dubai-based insurer set up in 1998, with shares on the Abu Dhabi Securities Exchange. It sells home, car, health, group life, travel and business insurance in the UAE. Its home contents product is Home Shield.
Out of 5 from 1,168 Google reviews across 5 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Union Insurance
Union Insurance averages 3.4 out of 5 across 1,168 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
Union Insurance home insurance
Home Shield covers household items, jewellery and valuables, with extensions for liability, domestic servants, accidental death and more, in four levels.
| Product | Type | What it is |
|---|---|---|
| Home Shield | Home contents | Household items AED 50,000, AED 100,000, AED 150,000 or AED 250,000 by level.1 |
| Cover | With this insurer | Details |
|---|---|---|
| Jewellery and valuables | Depends on cover | AED 10,000, AED 20,000, AED 35,000 or AED 50,000 by level.1 |
| Public liability | Included | AED 250,000 on every level.1 |
| Tenant’s legal liability | Depends on cover | AED 25,000 to AED 85,000 by level.1 |
| Liability towards a domestic servant | Depends on cover | AED 25,000 to AED 85,000 by level.1 |
| Accidental damage to consumer durables | Depends on cover | AED 12,500 to AED 62,500 by level.1 |
| Alternative accommodation | Depends on cover | AED 5,000 to AED 50,000 by level.1 |
| Loss of rent | Included | AED 10,000 or three months’ rent, whichever is less.1 |
| Accidental death | Included | AED 100,000 for the insured and AED 50,000 for a spouse.1 |
Policy documents
- Home Shield table of benefitsTable of benefits
- Home Shield application formApplication form
About Union Insurance
- Legal name
- Union Insurance
- Founded
- 199816
- Type
- Conventional insurer. The Central Bank register lists it as a national insurance company, not a takaful company.9
- Owner
- Largest holders at 31 December 2025: Salem Abdullah Salem Al Hosan 23.15%, Al Salem Co. Ltd 20.16% (he chairs it), Umm Al Qaiwain General Investments 19.70%, Gulf General Investments 6.93%, Suqur Al Khaleej Company General Trading 6.06%.19
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker UNION10
- Headquarters
- Single Business Tower, Sheikh Zayed Road, Dubai13
- UAE branches
- Six offices on its website: the head office, Al Ittihad and Dragon Mart in Dubai, plus Abu Dhabi, Sharjah and Ajman. Its accounts also name a branch office in Ras Al Khaimah, which the contact page does not list.13
- Also sells
- Health, Group life, Travel, Home, Yacht, Property, Marine, Engineering, Liability13
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 673
Financial strength
Union lost AED 2.5 million in 2023 and in 2025 cut its share capital from over AED 330 million to AED 230 million to clear accumulated losses. It made a profit in 2024, 2025 and the first half of 2026.
Awards
- Motor Insurer of the Year, InsurTek Golden Shield Excellence Awards, 202412
Recent news
- Board to meet on third quarter results
The board was due to meet on 11 November 2026 to approve the accounts for the quarter ended 30 September 2026.5
- First half profit rises 14% to AED 25.9 million
Insurance revenue rose 11% to AED 333.3 million and the solvency ratio was 161%.17
- Union gets ISO 27001 certification
The certificate covers its information security management.14
- Shareholders approve dividend and bonus shares
The AGM approved a 4% cash dividend and AED 20 million of bonus shares, taking the number of shares to 250 million.4
- Board proposes first dividend
The board report says this would be the first dividend since the company was set up.19
Contact Union Insurance
- Phone+971 4 3787 777
- Toll free800 84248
- WhatsApp+971 4 3787 777
- Emailinfo@unioninsurance.ae
- Complaints emailfeedback@unioninsurance.ae
- ComplaintsOpen complaints page
- HoursMonday to Thursday 8:00 am to 5:00 pm. Friday 8:00 am to 12:00 noon. The car insurance page says customer service is available around the clock.
- Head officeSingle Business Tower, Sheikh Zayed Road, P.O. Box 119227, Dubai
Branches (6)
| Branch | Address | Phone |
|---|---|---|
| Head Office | Single Business Tower, Sheikh Zayed Road, P.O. Box 119227, Dubai | +971 4 3787 777 |
| Al Ittihad (Motor Claims) | Al Khabeesi Showroom, Plot 275-0, Ittihad Road, P.O. Box 35272, Dubai | +971 4 3787 444 |
| Dragon Mart | Office No. DHOFF15, First Floor, near Business Center, Dragon Mart 1, International City, P.O. Box 119227, Dubai | +971 4 2944915 |
| Abu Dhabi (Motor Claims) | Al Corniche Tower, Abu Dhabi Corniche, P.O. Box 54524, Abu Dhabi | +971 2 6906 555 |
| Sharjah (Motor Claims) | Al Raha Tower, Showroom No. 2, P.O. Box 97733, Sharjah | +971 6 5939 888 |
| Ajman (Motor Claims) | Mezzanine Floors, Crystal 1 Building, Sheikh Khalifa bin Zayed Road, P.O. Box 1225, Ajman | +971 6 7014666 |
Common questions
What does Union Insurance Home Shield cover?
Household items, jewellery and valuables, with public liability, tenant’s liability, liability to a domestic servant, accidental damage to durables, documents, alternative accommodation, loss of rent and accidental death cover by level.1
How much jewellery does Home Shield cover?
AED 10,000 on Silver, AED 20,000 on Gold, AED 35,000 on Diamond and AED 50,000 on Platinum.1
What do Union Insurance reviews say?
On Google, Union Insurance’s UAE offices average 3.4 out of 5 across 1,168 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
1Union Insurance, Home Shield, Table of Benefits. Last checked 12 Nov 2026. Source document: Home Shield, Table of Benefits
2Union Insurance, Home contents insurance. Last checked 12 Nov 2026. Source document: Home contents insurance
3Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
4Union Insurance, Results of the Annual General Assembly Meeting, 18 March 2026. Last checked 5 Nov 2026. Source document: Results of the Annual General Assembly Meeting, 18 March 2026
5Union Insurance, Board meeting disclosure for 11 November 2026. Last checked 5 Nov 2026. Source document: Board meeting disclosure for 11 November 2026
6Fitch Ratings, Fitch Affirms UAE-based Union's IFS Rating at 'BBB+'; Outlook Stable. Last checked 5 Nov 2026. Source document: Fitch Affirms UAE-based Union's IFS Rating at 'BBB+'; Outlook Stable
7Fitch Ratings, Fitch Upgrades Union's IFS Rating to 'BBB+'; Outlook Stable. Last checked 5 Nov 2026. Source document: Fitch Upgrades Union's IFS Rating to 'BBB+'; Outlook Stable
8AM Best, AM Best Upgrades and Withdraws Credit Ratings of Union Insurance Company P.J.S.C.. Last checked 5 Nov 2026. Source document: AM Best Upgrades and Withdraws Credit Ratings of Union Insurance Company P.J.S.C.
9Central Bank of the UAE, CB Register September of 2026. Last checked 5 Nov 2026. Source document: CB Register September of 2026
10Abu Dhabi Securities Exchange, Union Insurance Company profile. Last checked 5 Nov 2026. Source document: Union Insurance Company profile
11Union Insurance, Union Insurance Takes Further Measures to Strengthen Its Financial Position. Last checked 5 Nov 2026. Source document: Union Insurance Takes Further Measures to Strengthen Its Financial Position
12Union Insurance, Motor Insurer of the Year. Last checked 5 Nov 2026. Source document: Motor Insurer of the Year
13Union Insurance, Contact us. Last checked 5 Nov 2026. Source document: Contact us
14Union Insurance, Union Insurance Achieves ISO 27001 Certification. Last checked 5 Nov 2026. Source document: Union Insurance Achieves ISO 27001 Certification
15Trustpilot, Unioninsurance profile, via ReefAPI. Last checked 5 Nov 2026. Source document: Unioninsurance profile, via ReefAPI
16Union Insurance, About us. Last checked 5 Nov 2026. Source document: About us
17Union Insurance, Union Insurance Reports Robust Results for the First Half of 2026. Last checked 5 Nov 2026. Source document: Union Insurance Reports Robust Results for the First Half of 2026
18Union Insurance, Interim financial information, six months to 30 June 2026. Last checked 5 Nov 2026. Source document: Interim financial information, six months to 30 June 2026
19Union Insurance, Integrated Report, 31 December 2025. Last checked 5 Nov 2026. Source document: Integrated Report, 31 December 2025
- Owner
- Propertyinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published