Your Guide to Car Insurance in Ajman: Top Providers Compared

Even though Ajman is the UAE’s smallest emirate, its roads are busy and many of its residents are car-dependent, making the right car insurance in Ajman an essential part of daily life. Every vehicle registered in the UAE must carry at least third-party liability cover before it can legally be driven on public roads.

With a variety of car insurance companies in Ajman to choose from, this guide gives you everything you need to compare your options and choose the right provider for your needs. 

• What you need to know about car insurance in Ajman
• Types of car insurance available in the UAE
• Car insurance companies that serve Ajman residents
• Comparing car insurance companies in Ajman
• How to choose the right car insurance company in Ajman
• Key takeaways
• Frequently Asked Questions

What you need to know about car insurance in Ajman

Car insurance in the UAE is regulated federally, which means the same rules that apply in Dubai and Abu Dhabi apply equally to Ajman car insurance. Every vehicle registered in Ajman must carry a valid insurance policy, and all insurers operating in the country must be licensed by the Central Bank of the UAE.

Premiums are not government-fixed. They are calculated based on vehicle value, driver age and experience, claims history, and chosen cover level. As a general benchmark, car insurance costs in the UAE range from around AED 1,200 for basic third-party cover to AED 5,000 or more for comprehensive policies on higher-value vehicles. 

All drivers must also hold a valid UAE driving licence. See our guide on UAE driving licence categories for a full breakdown of what is required.

If you are new to the emirate, our guide to living in Ajman covers everything from transport and schools to residential communities.

Types of car insurance available in the UAE

Understanding the two main policy types is the first step to choosing the right cover.

Third-party liability (TPL) insurance

Third-party liability (TPL) insurance is the minimum legal requirement for all UAE-registered vehicles. It covers damage or injury you cause to other people, their vehicles, or their property in an accident, but it does not cover damage to your own car.

TPL policies tend to cost less than comprehensive cover and are a practical choice for older or lower-value vehicles.

Comprehensive insurance

Comprehensive insurance covers third-party liability plus damage to your own vehicle. It typically includes protection against accidents, theft, fire, and natural disasters, with add-ons such as roadside assistance, agency repairs, and personal accident cover often available.

For newer vehicles or those with a higher market value, comprehensive cover usually offers better financial protection. If you are comparing cover for vehicles in other emirates, our guides to car insurance in Dubai and car insurance in Abu Dhabi cover the same policy types in detail.

Car insurance companies that serve Ajman residents

1. Sukoon Insurance

Formerly known as Oman Insurance Company, Sukoon Insurance is one of the UAE’s largest motor insurers, with a strong track record in personal and commercial vehicle cover. It offers comprehensive and third-party policies, an online quote and renewal portal, and flexible payment options.

• Phone: 06 701 5000
• Location: Al Refaa 1 Building, Ground Floor, Sheikh Khalifa Bin Zayed St, Al Nuaimia, Ajman

2. Union Insurance

Union Insurance is a publicly listed UAE company with a dedicated Ajman motor claims office. It provides a range of motor insurance products and supports customers through multiple channels, including in-branch service at its Ajman location.

• Phone: +971 6 701 4666
• Location: Mezzanine Floor, Ajman Building, Sheikh Khalifa Bin Zayed Road, Ajman

3. Al Buhaira National Insurance (ABNIC)

Al Buhaira National Insurance (ABNIC) is headquartered in Sharjah and covers the Northern Emirates extensively. It offers both personal and commercial motor insurance and is accessible to Ajman residents by phone and through its online platforms.

• Phone: 600 535 357
• Location: Head office on Buhaira Corniche, Sharjah; serves Ajman residents remotely

4. SALAMA Insurance

SALAMA is the UAE’s first and largest Islamic insurance (Takaful) provider, regulated by the Central Bank of the UAE. It offers Sharia-compliant auto Takaful plans covering both third-party liability and comprehensive options, making it a leading choice for residents who prefer Islamic finance products.

• Phone: 800 725 262
• Location: Dubai-based head office; serves Ajman residents UAE-wide

5. Adamjee Insurance

Adamjee Insurance is a regional insurer with offices in Dubai, Sharjah, and Abu Dhabi. Ajman residents can access its motor insurance products and services remotely or through its Sharjah office, the nearest to the emirate.

• Phone: +971 600 500 242
• Location: Sharjah Office: ADCB Building, Al Soor Area, Sharjah (nearest office to Ajman); covers Ajman UAE-wide

6. Dubai National Insurance (DNI)

Dubai National Insurance and Reinsurance (DNI) is a publicly listed UAE insurer with decades of operation across the country. Its motor insurance products are accessible to Ajman residents online and via its central customer care line.

• Phone: 600 5 80000
• Location: Head office on Sheikh Zayed Road, Dubai; serves Ajman residents remotely

7. Al Wathba National Insurance (AWNIC)

Al Wathba National Insurance (AWNIC) is an Abu Dhabi-headquartered insurer with branches in Dubai and Al Ain. It offers standard motor insurance products to Ajman residents through its UAE-wide operations and toll-free customer care line.

• Phone: 600 544 040
• Location: Abu Dhabi and Dubai offices; covers Ajman UAE-wide

8. Tokio Marine Insurance

Part of a global insurance group with a UAE presence since 1976, Tokio Marine offers competitive motor insurance products including comprehensive and third-party plans. An online portal allows Ajman residents to get quotes and manage policies without visiting a branch.

• Phone: 800 8663 (sales) / 600 50 3030 (claims)
• Location: UAE-wide; Ajman residents can access services online

9. GIG Gulf

GIG Gulf is a well-established regional insurer operating across the UAE. It offers motor insurance with optional add-ons and provides 24/7 roadside assistance to all UAE policyholders, including those in Ajman, through its national service network.

• Phone: 800 292
• Location: UAE-wide service centres; serves Ajman residents

10. Orient Insurance

Orient Insurance has operated in the UAE since 1982, making it one of the country’s longest-standing insurers. It provides a full range of motor insurance products and covers Ajman residents through its UAE-wide distribution and customer service channels.

• Phone: 800 674368
• Location: UAE-wide network; covers Ajman residents nationally

11. National General Insurance (NGI)

National General Insurance (NGI) maintains a dedicated branch in Ajman, located opposite the Ajman Museum. Alongside its Ajman presence, NGI operates offices in Dubai, Abu Dhabi, and Sharjah, giving residents access to in-person service across the country.

• Phone: +971 6 744 8089
• Location: Office 103, 1st Floor, Opposite Ajman Museum, CBD Building, Ajman

12. Watania Takaful

Formerly known as Noor Takaful, Watania Takaful is a UAE-wide Islamic insurer offering Sharia-compliant motor cover. It is regulated by the Central Bank of the UAE and provides Ajman residents with access to Takaful auto insurance by phone and through its online platform.

• Phone: 800 9282642
• Location: Branches in Abu Dhabi, Dubai, and Sharjah; covers Ajman remotely

13. AFNIC (Al Fujairah National Insurance)

AFNIC is a UAE-licensed insurer with more than 25 service outlets across the country, operating through partner locations including Tasjeel and Shamil vehicle testing centres. Ajman residents can access AFNIC insurance products through these outlets, the company’s 24/7 toll-free line, or its mobile app.

• Phone: 800 23642
• Location: 25+ partner outlets across the UAE including Tasjeel and Shamil locations; covers Ajman

Comparing car insurance companies in Ajman

How to choose the right car insurance company in Ajman

Choosing the right company and finding cheap car insurance in Ajman without sacrificing quality comes down to a few practical considerations.

• Match cover to vehicle value. Third-party liability is legally sufficient, but for newer or higher-value vehicles, comprehensive insurance provides more complete financial protection. TPL policies are generally more cost-effective for older cars.

• Prioritise local access if you need it. For residents who prefer to handle policy matters in person, the three providers Sukoon Insurance, Union Insurance, and NGI offer direct in-branch service.

• Compare multiple quotes. Premium rates vary across providers for the same vehicle and driver profile. Comparing quotes from at least three insurers is the most effective way to find the best value.

• Review the add-ons. Roadside assistance, agency repair cover, and off-road protection are worth evaluating, especially for drivers who travel regularly between Ajman and other emirates.

• Consider Takaful options. SALAMA Insurance and Watania Takaful both offer Sharia-compliant car insurance for residents who prefer an Islamic finance approach.

If you are based in Ajman Downtown or the surrounding communities and still getting settled, the Al Rashidiya neighbourhood guide and properties for sale in Ajman listings are a useful starting point.

Key takeaways

• Every vehicle registered in Ajman must carry at least third-party liability insurance. This is a UAE federal requirement that applies across all seven emirates.
• Three providers, Sukoon Insurance, Union Insurance, and NGI, have branches in Ajman for residents who prefer in-person service.
• SALAMA Insurance and Watania Takaful offer Takaful (Sharia-compliant) motor insurance options available to Ajman residents.
• To find cheap car insurance in Ajman, compare quotes from multiple providers and review available add-ons carefully before committing to a policy.

FAQs

Share