Emirates Insurance Company (trading as Eminsco) is one of the United Arab Emirates’ oldest insurers, established in 1982 and headquartered in Abu Dhabi. It is a general insurance provider listed on the Abu Dhabi Securities Exchange under the ticker EIC, regulated by the Central Bank of the UAE, and rated A- by both S&P Global and AM Best. It runs offices across the UAE, including Dubai, Sharjah, Al Ain, and Jebel Ali. Importantly, it is a standalone insurer and is not the Emirates airline. For the current contact number, branch addresses, and the motor garage list, always use the official site, eminsco.com.
Emirates Insurance Company: Key Facts at a Glance
| Detail | What to know |
|---|---|
| Company | Emirates Insurance Company (Eminsco) |
| Type | UAE general (non-life) insurer |
| Established | 1982, one of the UAE’s oldest |
| Headquarters | Abu Dhabi |
| Listed on | Abu Dhabi Securities Exchange (ADX: EIC) |
| Regulator | Central Bank of the UAE (CBUAE) |
| Credit rating | A- from both S&P Global and AM Best |
| Offices | Abu Dhabi, Dubai, Sharjah, Al Ain, Jebel Ali |
What Is Emirates Insurance Company?
Emirates Insurance Company, often shortened to EIC or its trade name Eminsco, is a long-established insurer in the United Arab Emirates. It was founded in 1982, which makes it one of the oldest locally established insurance companies in the country, and its head office is in Abu Dhabi. It is a public joint stock company listed on the Abu Dhabi Securities Exchange under the ticker EIC.
EIC is mainly a general, or non-life, insurer. Its business is built around underwriting general insurance across motor, property, marine, engineering, energy, and similar lines, alongside an investment arm. It is licensed and regulated by the Central Bank of the UAE, which oversees the country’s insurance sector. With more than four decades of operation, an A- credit rating, and offices across the Emirates, it is a substantial and well-established player rather than a small or new company. The rest of this guide answers the practical questions people search for, including how to reach it and where its offices are.
Is Emirates Insurance Company the Same as Emirates Airline?
No, and this is the most common point of confusion, so let us be clear. Emirates Insurance Company is a standalone insurer based in Abu Dhabi. It is not owned by or part of Emirates, the Dubai-based airline.
The mix-up is understandable because “Emirates” is a common name in the UAE. The airline Emirates does offer travel insurance to its passengers, usually arranged through a separate insurance partner at the time of booking, but that is a different product from Emirates Insurance Company’s policies. So if you are looking for cover on a flight you booked, that is the airline’s travel insurance. If you are looking for motor, property, marine, or business insurance in the UAE, that is Emirates Insurance Company. They are separate organisations.
What Does Emirates Insurance Company Offer?
EIC focuses on general insurance for individuals and businesses, with a particularly strong presence in commercial and specialty lines. Its main products include the following.
- Motor insurance. Cover for private and commercial vehicles, including the approved garage repairs people search for as the “garage list.”
- Property and fire insurance. Cover for homes, buildings, and contents against fire and related risks.
- Marine insurance. Cargo and hull cover, reflecting the UAE’s role as a major trade hub.
- Engineering and construction. Contractors’ all risks and related project cover.
- Energy and oil and gas. Specialist cover for the region’s energy sector.
- General accident, liability, and specialty lines. Plus some medical and life-related products, often administered with partners.
Because EIC leans toward commercial and specialty insurance, businesses are a large part of its client base, though it also serves individuals for motor and property cover. For the exact products available to you and current terms, check the official site or speak to an EIC representative.
Emirates Insurance Company Offices: Abu Dhabi, Dubai, Sharjah, and Al Ain
EIC’s head office is in Abu Dhabi, and it operates branch and satellite offices across the UAE, including in Dubai, Sharjah, Al Ain, and the Jebel Ali Free Zone. So whether you are in the capital, in Dubai, or in the Northern Emirates, there is usually an office within reach.
We deliberately do not publish individual branch street addresses here, because office locations and suite numbers change, and an out-of-date address helps no one. The reliable approach is to use the office locator or the contact page on the official website, eminsco.com, which lists the current addresses, the specific branch for your emirate, and working hours. If you need a particular office, such as the Dubai office, the official site will give you its exact location and direct line.
How to Contact Emirates Insurance Company
People search for a single Emirates Insurance phone number, but the company runs several contact channels, and the right one depends on whether you need a quote, a policy service, or a claim. The safest source is the contact page on eminsco.com, which lists the current toll-free or landline numbers, the email address, and the office details.
In general, you can reach EIC by phone, email, and in person at its offices, and motor claims in the UAE are typically started by phone or through the insurer’s channels, then handled via an approved garage. Because published numbers change and incorrect ones circulate online, we point you to the official contact page rather than printing a number that may be stale. When you contact them, keep your policy or vehicle details ready, as it speeds up any request.
Emirates Insurance Company Garage List (Motor Claims)
If you have motor insurance and need a repair after an accident, the “garage list” is what you are looking for. In the UAE, motor insurers maintain a list of approved garages where covered repairs can be carried out, and comprehensive policies often distinguish between agency repair, at the manufacturer’s dealership, and approved non-agency garages.
The approved garage list is specific to your policy and your insurer, and it can change, so the only reliable source is Emirates Insurance Company itself. Check the official website or contact EIC directly to get the current list of approved garages and to confirm whether your policy includes agency repair. Using an approved garage matters, because going outside the network without authorisation can affect your claim. Always confirm the process with EIC before booking a repair.
Is Emirates Insurance Company Good? Ratings and Standing
Here is an objective view based on public data rather than opinion. On financial strength, EIC is solid: it holds an A- rating from both S&P Global and AM Best, two of the main international rating agencies, which signals a strong ability to pay claims. It is also one of the UAE’s oldest insurers, listed on the ADX and regulated by the Central Bank of the UAE, all of which point to stability and oversight.
On the question of whether it is the “top” or “number one” insurer in the UAE, there is no single official answer, and we will not crown one. The UAE has several large, strong insurers, and the right choice depends on what you need and the specific policy terms. Rather than rely on a “best company” label, compare insurers on objective measures: their AM Best and S&P ratings, their regulation by the Central Bank of the UAE, their claims service, and the specific cover and price they quote you. For your own decision, get quotes from two or three rated insurers and compare them directly.
Careers and Leadership
If you are searching for jobs at Emirates Insurance Company, the company posts openings through its official website and its LinkedIn page, which are the reliable places to find current vacancies and apply. Roles typically span underwriting, claims, sales, finance, and support functions across its UAE offices.
On leadership, executives and board members can change, and we do not want to state a name that may be out of date. For the current chief executive and board, the most reliable sources are the company’s official website and its filings on the Abu Dhabi Securities Exchange, where listed companies disclose their leadership and governance. Check those rather than a third-party page, which may carry old or mixed-up information.
How to File a Motor Claim With Emirates Insurance Company
Because motor is one of EIC’s main consumer lines, here is the general process for a car insurance claim in the UAE, so you know what to expect. Treat this as a guide, and confirm the exact steps and documents with Emirates Insurance Company, since requirements can vary by policy.
After an accident, the usual sequence is straightforward. First, report the accident to the police and obtain a police report, which UAE insurers require for motor claims and which records who was at fault. Second, notify Emirates Insurance Company through its official channels to register the claim, ideally as soon as possible. Third, gather the standard documents, which typically include the police report, your Emirates ID, the vehicle registration card, and your driving licence. Fourth, take the car to an approved garage from EIC’s list, or to the agency dealership if your policy includes agency repair, and confirm authorisation before any work begins.
A few honest pointers. Comprehensive policies often distinguish between agency repair, at the manufacturer’s dealership, and approved non-agency garages, and agency cover usually costs more but matters most for newer cars. Using a garage outside the approved network without authorisation can reduce or void your claim, so always check first. And keep copies of everything, including the police report and any estimates, until the claim is fully settled. For the current claim phone line, the approved garage list, and the exact documents for your policy, use the official Emirates Insurance website.
The Honest Read
If you are researching Emirates Insurance Company, the practical takeaways are simple. It is a long-established, A- rated UAE general insurer based in Abu Dhabi, with offices across the Emirates, so it is a credible, regulated company. The most reliable source for its contact number, branch addresses, approved garage list, and current leadership is its own website, eminsco.com, not a third-party list that can go stale.
Two honest points. First, this is a UAE insurer, so its policies, prices, and contacts apply in the Emirates and in dirhams, and it is not connected to the Emirates airline. Second, do not get drawn in by “best insurer in the UAE” labels online, because there is no official ranking. Compare any insurer on its ratings, its regulation, and the actual policy quoted to you. On that basis, EIC’s A- ratings and long track record make it a reasonable option to include when you compare.
Conclusion
Emirates Insurance Company (Eminsco) is one of the UAE’s oldest insurers, established in 1982, headquartered in Abu Dhabi, listed on the ADX as EIC, regulated by the Central Bank of the UAE, and rated A- by both S&P and AM Best. It is a general insurer offering motor, property, marine, engineering, energy, and related cover, with offices in Dubai, Sharjah, Al Ain, and beyond, and it is separate from the Emirates airline. For its contact number, office addresses, approved garage list, and current leadership, use the official site, eminsco.com, and compare it against other rated UAE insurers before you buy.
FAQs
What is Emirates Insurance Company?
Emirates Insurance Company, trading as Eminsco, is a UAE general insurer established in 1982 and headquartered in Abu Dhabi. It is listed on the Abu Dhabi Securities Exchange under the ticker EIC and regulated by the Central Bank of the UAE. It offers motor, property, marine, engineering, and other general insurance.
Is Emirates Insurance Company the same as Emirates airline?
No. Emirates Insurance Company is a standalone insurer based in Abu Dhabi and is not part of Emirates, the Dubai airline. The airline does offer travel insurance to passengers through a separate partner, but that is a different product. The two organisations are unrelated.
Does Emirates provide insurance?
This depends on which “Emirates” you mean. Emirates Insurance Company is a dedicated UAE insurer offering motor, property, and business cover. The airline Emirates separately offers travel insurance to its passengers through an insurance partner. So both exist, but they are different companies and products.
What does Emirates Insurance Company offer?
It is a general insurer offering motor, property and fire, marine, engineering and construction, energy, general accident, liability, and specialty lines, plus some medical and life-related products. It serves both individuals and businesses, with a strong presence in commercial and specialty insurance. Check the official site for the exact products available to you.
Where is Emirates Insurance Company located?
Its head office is in Abu Dhabi, the UAE capital. It also runs branch and satellite offices across the Emirates, including in Dubai, Sharjah, Al Ain, and the Jebel Ali Free Zone. For exact addresses, use the office locator on the official website.
Does Emirates Insurance Company have an office in Dubai?
Yes, Emirates Insurance Company operates an office in Dubai in addition to its Abu Dhabi head office. It also has a presence in Sharjah, Al Ain, and Jebel Ali. For the Dubai office’s exact address, direct line, and working hours, check the contact page on eminsco.com.
How can I contact Emirates Insurance Company?
The company offers phone, email, and in-person contact at its offices, and the current details are listed on the contact page at eminsco.com. We point you to the official page because published numbers change and incorrect ones circulate online. Keep your policy or vehicle details ready when you contact them.
What is the Emirates Insurance Company garage list?
The garage list is the set of approved garages where you can have covered motor repairs carried out after a claim. It is specific to your policy and can change, so get the current list directly from Emirates Insurance Company. Using an unapproved garage without authorisation can affect your claim.
What does PSC or PJSC mean?
PSC and PJSC both refer to a public joint stock company, a company whose shares are publicly listed and traded, in this case on the Abu Dhabi Securities Exchange. Emirates Insurance Company is structured this way. It means the company is publicly owned and subject to listing and disclosure rules.
Is Emirates Insurance Company a good insurance company?
By objective measures, it is financially strong. It holds an A- rating from both S&P Global and AM Best, is regulated by the Central Bank of the UAE, and is one of the country’s oldest insurers. As with any insurer, compare its specific policy terms, price, and claims service against other rated companies before you decide.
What is Emirates Insurance Company’s credit rating?
Emirates Insurance Company holds an A- financial strength rating from both S&P Global Ratings and AM Best, two leading international agencies. This indicates a strong ability to meet its claim and financial obligations. Ratings can change, so confirm the current rating with the agencies or the company.
Who regulates Emirates Insurance Company?
Emirates Insurance Company is licensed and regulated by the Central Bank of the UAE, which oversees the country’s insurance sector. It is also a listed company on the Abu Dhabi Securities Exchange, so it follows the exchange’s disclosure and governance rules. This oversight supports its stability and transparency.
Who is the CEO of Emirates Insurance Company?
Company leadership can change, so for the current chief executive and board, the most reliable sources are the official website and the company’s filings on the Abu Dhabi Securities Exchange, where listed companies disclose their leadership. We avoid naming an individual here to prevent giving outdated information. Check those official sources for the current name.
Does Emirates Insurance Company offer careers or jobs?
Yes. Emirates Insurance Company posts job openings through its official website and its LinkedIn page, which are the reliable places to see current vacancies and apply. Roles span underwriting, claims, sales, finance, and support across its UAE offices. Apply only through official channels.
Which is the top insurance company in the UAE?
There is no single official “number one,” and the right insurer depends on your needs. The UAE has several large, strongly rated insurers, so rather than a “best” label, compare them on their AM Best and S&P ratings, their regulation by the Central Bank of the UAE, and the actual policy and price quoted to you. Get two or three quotes and compare directly.
Methodology
This overview was researched and written by the InsuranceGuidances Editorial Team. Company facts, the founding year, headquarters, ADX listing, regulator, and the A- ratings from S&P and AM Best were verified against the company’s profile, the Abu Dhabi Securities Exchange, and reputable industry sources cited below. For contact numbers, branch addresses, the approved garage list, and current leadership, we deliberately route readers to the official Emirates Insurance website rather than publishing details that change frequently, and we avoid naming a CEO we could not verify. We are not affiliated with Emirates Insurance Company, we do not crown a single “best” insurer, and we do not invent contact details or executives.
About InsuranceGuidances
InsuranceGuidances publishes plain-English insurance guides. For company-research and overseas-market topics, articles are produced under the Editorial Team byline with the methodology note above. Our standard is simple: every figure traces to a named source, and we never invent costs, contact details, or reviews.
Reviewed July 2026 ·
Sources
Atlas Magazine — Insurance companies in the UAE: https://www.atlas-mag.net/en/articles/top-20-insurance-companies-uae
Emirates Insurance Company — Official website (Eminsco): https://www.eminsco.com/
Abu Dhabi Securities Exchange — Emirates Insurance Co. (ADX: EIC): https://www.adx.ae/english/pages/productsandservices/securities/selectcompany/default.aspx?listedcompanyid=EIC
Pacific Prime — Emirates Insurance Company profile (history, ratings, offices): https://www.pacificprime.com/insurers/emirates-insurance-company/
MarketScreener — Emirates Insurance Company profile (segments, offices): https://www.marketscreener.com/quote/stock/EMIRATES-INSURANCE-COMPAN-12786939/company/
Zawya — Emirates Insurance Company PSC company details: https://www.zawya.com/company/4298010166/emirates-ins
RocketReach — Emirates Insurance Company information (ratings, CBUAE): https://rocketreach.co/emirates-insurance-company-profile_b5d55c5af42e39ce
Central Bank of the UAE — Insurance regulation: https://www.centralbank.ae/
S&P Global Ratings — Insurer financial strength ratings: https://www.spglobal.com/ratings/
