How we rank: Insurance companies

The Score (0–100) is a weighted sum of the factors below. Each factor is the weighted average of its metrics; each metric is calculated from one published fact. Missing facts score zero, and a service is ranked only when enough of its Score is backed by facts.

A service is ranked only when at least 60% of its Score is backed by verified facts.

← Insurance companies in the UAE 2026: a ranking built on verified facts

Reliability 40%

The year the company was first licensed as an insurer (from the supervisor's register or, where the register shows no date, from the official website), a financial strength rating from a recognised agency stated on the website, published annual reports and membership of a banking or insurance group.

MetricRule
Licensed sinceFull score at 20+ years
Rating from a rating agencyYes = 100, No = 0
Financial reports onlineYes = 100, No = 0
Part of a groupYes = 100, No = 0

Service 30%

Whether you can buy a policy online and report a claim on the website or in an app, whether there is a mobile app and a 24/7 phone line, and how many offices the company has in the country.

MetricRule
Buy a policy onlineYes = 100, No = 0
Report a claim onlineYes = 100, No = 0
Mobile appYes = 100, No = 0
24/7 phone lineYes = 100, No = 0
Offices in the countryLogarithmic, full score at 100

Products 15%

How many of six main retail lines the company offers: compulsory motor third-party liability, motor own damage (comprehensive), home and property, travel, health or accident, and life.

MetricRule
Retail lines offered (of 6)Linear from 0 (0) to 6 (100)

Transparency 15%

Whether the policy terms and conditions, the complaints procedure and the tariffs or a premium calculator are published on the website.

MetricRule
Policy terms onlineYes = 100, No = 0
Complaints procedure publishedYes = 100, No = 0
Calculator or tariffsYes = 100, No = 0