"Choosing the right insurance partner in the UAE is a critical financial decision. With the 2026 regulatory updates and new digital platforms, the IndiFact News team has analyzed the market to bring you the top 5 providers based on claim settlement ratios and customer trust."
1. Sukoon Insurance (Formerly Oman Insurance)
Top Pick for Reliability
Rebranded from Oman Insurance to Sukoon, this company has established itself as a heavy hitter in the UAE market. Experts at IndiFact News rank it highly for financial strength. For residents who prioritize peace of mind over the absolute lowest price, Sukoon is the top recommendation.
- Claim Settlement: Consistently posts settlement ratios exceeding 98%.
- Digital Ease: The mySukoon app allows for seamless claim submissions.
- Key Feature: Offers "Agency Repair" for vehicles up to 5 years old.
2. GIG Gulf (Formerly AXA Gulf)
Best International Standard
If you are an expat or prefer a global brand, GIG Gulf is the rebranded entity of AXA. They are rated 'A' (Excellent) for financial strength, making them a secure choice for high-value assets in Dubai and Abu Dhabi.
- Home Insurance: Market leader for covering tenants and owners.
- Comprehensive Inclusions: Often includes "loss of keys" and "personal belongings" as standard.
3. ADNIC (Abu Dhabi National Insurance Company)
Best for Government Trust
Established in 1972, ADNIC is one of the oldest insurers with deep ties to the Abu Dhabi government. Their flagship Al Shamil comprehensive motor plans are famous for being robust and reliable.
4. QIC (Qatar Insurance Company)
Best for Price & Speed
QIC dominates the digital space with aggressive pricing. If you need a policy immediately to register your car, QIC is often the fastest route with the most competitive rates for third-party liability coverage.
5. Liva Insurance (Formerly RSA Middle East)
Best for Service
RSA Middle East recently rebranded to Liva. They have carried over RSA's strong reputation for customer service. Their Motor Smart tiers allow for customizable coverage.
Expert Buying Tips for 2026
- Check the Agency Repair Clause: Usually only available for cars up to 3-5 years old.
- Direct Billing is Key: For health insurance, avoid "Reimbursement only" plans to save cash flow.
- Compare Every Year: Loyalty rarely pays. Always check quotes from at least 3 providers.
Need Specific Policy Details?
Our team can help you understand the fine print on these policies.