The Best Insurance Markets in the UAE: 2025 Industry Insights

The UAE's insurance market keeps growing at a rapid rate, fueled by a digitally savvy population, improved regulation, and growing demand for customized, reliable coverage in all sectors. Motor, health, Takaful, and broad multi-line policies are all performing well in terms of depth and diversity in the UAE insurance market.

In 2025, the UAE boasts some of the region's most dynamic and competitive insurance markets. With innovation fueling digital transformation, and insurers reaching out to a more diversified customer base, choosing the best provider has never been more convenient – or necessary.

This is a step-by-step guide to the most vibrant insurance niches in the UAE and those spearheading the charge — at the top, naturally, being Shory as the most customer-focused, digitally driven insurance platform in the region.

UAE Insurance Industry in 2025: An Overview The UAE insurance industry is the Middle East's strongest and contributes significantly to the non-oil GDP, offering a wide range of products to individuals, corporates, and institutions. The strongest markets of 2025 are:

Motor Insurance – The most competitive segment driven by expat demand and mandatory vehicle insurance.

Health Insurance – With mandatory coverage across emirates and increased demand for comprehensive policies, health is a necessity.

Takaful (Islamic Insurance) – A steadily growing sector, driven by increasing demand for Sharia-compliant and ethical insurance offerings.

Digital/Online Insurance – Developing strongly through user-friendly platforms like Shory, offering instant, clear, comparison-based insurance.

Shory: UAE's Best Insurance Marketplace Leading the digital insurance revolution in the UAE is Shory, the one-stop online insurance marketplace that has transformed the way individuals and families buy car, health, home, and pet insurance.

Why Shory Grows in 2025:

Offers immediate comparisons from top insurers in seconds

Completely online choice of policy, payment, and issue

No sales hassle, hidden fees, or unsolicited phone calls

Used by thousands for motor, medical, and pet insurance needs

Backed by partnerships with top UAE insurers

By being a marketplace, Shory allows users to simply browse and purchase insurance based on real features, not price — offering consumers choice and transparency.

1. Abu Dhabi National Takaful Company (ADNTC) Ideal for: Straightforward, transparent customer experiences and digitalized Takaful policies

ADNTC is now one of the top Islamic insurance providers in the UAE. It unites traditional simplicity and transparency with state-of-the-art convenience through a seamless digital platform and clear policy explanations.

Key features:

Simple online quote and policy management

Excellent mobile claim support

Strong reputation among Sharia-compliant clients

ADNTC is a favorite among UAE nationals and expats looking for ethical insurance without giving up convenience.

2. Adamjee Insurance Best for: Down-to-earth coverage and no-nonsense claims

Adamjee has established a legacy of no-frills insurance solutions and operates on a decades-long track record of solid, dependable service and a reputation for no-nonsense insurance solutions. With such features as no-frills policy structures and dependable claims support, Adamjee is the top pick for drivers and policyholders who prefer keeping it simple and value stability over frills.

Highlights:

Decades of GCC presence

Simple policy structures

Fast claim settlement turnaround

3. Al Ain Ahlia Insurance Best for: Affordable motor insurance with extensive coverage options

Al Ain Ahlia has built a strong presence in the UAE motor insurance market. They offer a range of flexible plans that appeal to a wide range of consumers — first-time vehicle owners to high-mileage drivers.

Highlights:

Aggressive pricing

Comprehensive and third-party liability coverage plans

Strong local repair shop and workshop relationships

4. Al Sagr National Insurance Best for: Expats with multiple vehicles and luxury vehicles

Al Sagr is the perfect insurer for individuals insuring more than one vehicle, or luxury models. A specialist in multi-car packages with an eye for customer care, it's most popular among expat households and car enthusiasts.

Highlights:

Tailor-made coverage for luxury car owners

Add-ons like roadside assistance and GCC cover

Competitive renewal rates

5. Al Wathba National Insurance Company Best for: One-stop car insurance solutions

Al Wathba is famous for offering some of the most comprehensive car insurance deals in the UAE. Their comprehensive bundles include many incidents and services — ideal for drivers who want absolute peace of mind.

Features:

Comprehensive car cover bundles

Emergency assistance 24/7

High customer satisfaction rating

6. Dubai Insurance Company Best for: Low-friction claims and hassle-free app-based renewal

Dubai Insurance has invested heavily in digitalization, and it pays dividends. Policyholders can renew their policies and lodge claims on their mobile app. All is seamless, fast, and tailored for busy city dwellers.

Highlights:

Fully digital claims process

Paperless reminders for renewals

Optimal for tech-literate policyholders

7. Insurance House Best for: Low-cost daily cover for commuters and families

Insurance House is much appreciated by individuals who require no-frills, affordable coverage without all that added complexity. It simplifies matters to the extreme — car, home, and health — and does them well.

Highlights:

Excellent customer service

Good network of clinics and garages

Ideal for value-oriented families

8. Methaq Takaful Insurance Best for: Ethical insurance with a community-first approach

Methaq is sought for offering Takaful policies in addition to compliance. They focus on welfare to the community, family safeguard, and equitable claims treatment. It's a top pick for one that wants a Sharia-compliant experience with a personal touch.

Highlights:

Family-focused plans prioritize

Fair profit-sharing and fund pooling

Friendly customer service

9. National General Insurance (NGI) Best for: Fast, secure claims and long-standing reputation

NGI is a top player in motor and health insurance in the UAE. Its emphasis on streamlined claims settlement and timely service makes it a sure bet for policyholders in times of crisis.

Highlights:

Large hospital and garage networks

High customer retention rates

Established trust among corporates and individuals

10. Orient Insurance Company (Al-Futtaim Group) Best for: Global-standard insurance with local service

Orient Insurance is backed by the Al-Futtaim Group, with regional leadership and global confidence. It's one of the most trusted company and individual names for insurance and excels at customer experience and underwriting capability.

Highlights:

Extensive coverage options

Direct billing and online facilities

Strong brand name and financial strength

11. Orient Takaful Best for: High-quality Islamic coverage

As the Islamic subsidiary of Orient Insurance, Orient Takaful combines Sharia-based values and excellent customer care. It's ideal for families seeking ethical coverage without compromising on performance.

Features:

Personalized Takaful solutions

Backed by Orient's infrastructure

Prudential plans with add-ons as an option

12. SALAMA (Islamic Arab Insurance) Ideal for: Tailor-made Takaful plans and ethical focus

SALAMA is one of the oldest Takaful operators in the country and is still ahead of the pack when it comes to innovation and tailor-made solutions. It has a wide variety of plans catering to customers looking for flexibility as much as religious compliance.

Highlights:

Islamic insurance products vary extensively

High claim approval rates

Corporate values based on community

Last Word The insurance industry in the UAE is more vibrant and accessible than ever before. From cheap motor insurance to family health plans and moral Takaful insurance, there is an insurer available to cater to every need and preference.

Shory is just one of the platforms that has transformed the way insurance is bought and managed, offering a clean, customer-focused process that conserves time and stress. Meanwhile, others like MetLife, ADNTC, Orient, and SALAMA do their best to innovate and enhance the service.

As 2025 unfolds, the best insurance decisions will be made by those who take the time to compare, question, and make good choices — and the UAE insurance industry is ready to welcome them.