Last verified: 17 June 2026 · Cluster: insurer-profiles
Orient Insurance is an Al-Futtaim Group company, established 1982, rated AM Best A and S&P A (verified June 2026). It holds a CBUAE licence for motor, health, home, life, travel and commercial lines. Orient Takaful PJSC is a separate CBUAE-licensed entity for Shariah-compliant cover.
Orient Insurance PJSC is a subsidiary of the Al-Futtaim Group, established in 1982. It is one of the longer-established conventional insurers in the UAE market, operating across all seven emirates. For any Orient Insurance review UAE, the ratings are the natural starting point: AM Best A and S&P A, both verified June 2026 from Orient's published disclosures at orientinsurance.com and the respective rating agency disclosures. These ratings reflect the insurer's financial strength and its ability to pay claims.
Orient Insurance PJSC is licensed by the CBUAE under Decretal Federal Law No. 25/2020, the main regulatory framework for insurance in the UAE. If you are asking whether Orient Insurance is good in the UAE, the answer begins with the rating and licence, then moves to the specific line of cover you need. A strong rating means the insurer is financially sound; it does not guarantee that the plan tier or network you choose will suit your situation.
Orient Insurance PJSC writes motor, health, home, life, travel and commercial lines as a conventional insurer. The breadth across motor, health and commercial lines makes it a practical option for SME owners who want to consolidate multiple lines under one insurer relationship rather than managing separate providers for their business fleet, employee health cover and commercial property.
For Shariah-compliant cover, the relevant entity is Orient Takaful PJSC, which is a separate company with its own CBUAE licence. Orient Takaful is not a product range within Orient Insurance; it is a distinct legal entity operating under the same parent group. The funds are separate, the regulatory status is separate, and the contractual terms are different. If you want takaful cover, you deal with Orient Takaful PJSC, not Orient Insurance PJSC. This distinction matters when comparing: a buyer who wants takaful motor cover and a buyer who wants conventional motor cover are dealing with two different companies, even within the same group.
Orient Insurance writes comprehensive and third-party liability (TPL) motor cover. Both sit under the unified motor policy framework established by IA Board Decision No. 25/2016, which standardised the minimum terms and conditions for motor insurance across all UAE insurers. The unified policy sets the baseline: every comprehensive or TPL policy from any CBUAE-licensed insurer must meet those minimum terms. Orient's comprehensive plan adds own-damage cover, fire, theft and natural forces cover above the TPL baseline.
Claims on Orient motor policies are routed through Orient's approved repair network. Agency repair, which means the vehicle is repaired at an authorised manufacturer workshop rather than an approved independent repairer, is available as an add-on for comprehensive policies. Whether agency repair is included in your policy or costs extra depends on the plan tier and the specific policy schedule you receive at issuance. Always check the schedule before accepting a renewal or a new policy, particularly if your vehicle is within the manufacturer warranty period.
The standard Orient car insurance claim process follows the pattern common across UAE insurers: obtain a police report at the scene of the accident, notify Orient within the notification deadline specified in your policy, submit the vehicle for damage assessment at an Orient-approved centre, and receive repair authorisation. You pay your excess directly to the workshop when collecting the vehicle. If you are disputing a claim decision, the first step is Orient's internal complaints process, then escalation to the CBUAE if unresolved.
Orient Insurance PJSC is CBUAE-licensed for health lines and holds the DHA permit required for health cover in Dubai. As with any UAE health insurer, the most important variable for buyers is the network: which hospitals and clinics are on the direct billing panel.
Orient offers both group and individual health plans. Group plans are typically arranged through an employer; individual plans are available for self-employed residents, freelancers and those not covered by an employer scheme. The specific network for any Orient health plan should be verified at quote time, as hospital panels are updated periodically and the list you check today may differ from the one in force when you need treatment. orientinsurance.com publishes current network details, and any broker or insurer quote should include the current panel list.
The five criteria that apply to any UAE health comparison apply equally to Orient's plans: network depth, co-pay, annual limit, pre-existing condition terms, and direct billing availability. Orient is not uniquely strong or weak on any of these dimensions compared to the broader market; the right comparison is plan by plan, not brand by brand.
Orient Takaful PJSC is a separate CBUAE-licensed entity that writes motor and family takaful products. Participants in a takaful fund pay contributions, not premiums, into a shared pool. The pool is used to settle claims by participants. Any surplus remaining in the pool after claims and expenses may be distributable to participants according to the fund's rules and the guidance of the Shariah supervisory board.
The Shariah compliance of Orient Takaful's products rests entirely on the assessments of Orient Takaful's own Shariah supervisory board. This site does not make Shariah assessments, does not represent that any product is Shariah-compliant, and does not describe contribution structures beyond what is publicly available. Participants seeking Shariah-compliant cover should review Orient Takaful's Shariah board statements directly before purchasing.
Orient Insurance PJSC suits buyers who want a long-established, group-backed UAE insurer with broad line coverage. The Al-Futtaim parentage and the AM Best A and S&P A ratings provide financial strength assurance. For an SME owner managing motor cover for a small fleet, employee health insurance and commercial property cover, consolidating with one multi-line insurer simplifies administration and renewal management.
The insurer is less suited to buyers for whom a purely digital claims experience is the priority, or those who only want takaful cover (they would deal with Orient Takaful PJSC, a separate entity). It is also worth noting that brand reputation does not substitute for checking the specific plan terms: a well-rated insurer with a network that excludes your hospital, or a health plan with a lower annual limit than you need, is not the right choice regardless of the group behind it. Compare on criteria first, brand second.
Information only, not regulated financial advice. InsureCompare.ae is not licensed by the CBUAE to advise. This profile draws on publicly available data from orientinsurance.com and the CBUAE register (verified June 2026). Ratings verified June 2026 from Orient's published disclosures. Confirm cover terms and pricing directly with Orient Insurance or a CBUAE-licensed broker before purchasing. Any Shariah compliance rests on Orient Takaful PJSC's own Shariah board.
Orient Insurance is an Al-Futtaim Group company, established in 1982, rated AM Best A and S&P A (verified June 2026). It is CBUAE-licensed as a conventional insurer writing motor, health, home, life, travel and commercial lines across the UAE.
Motor, health, home, life, travel and commercial lines under Orient Insurance PJSC. Shariah-compliant cover is written through the separate CBUAE-licensed Orient Takaful PJSC entity, which operates its own takaful fund independently.
Orient writes comprehensive and third-party liability motor cover under the unified motor policy (IA Board Decision No. 25/2016). Claims are routed through Orient's approved repair network. Agency repair (manufacturer workshop) is an available add-on; check your policy schedule for whether it is included.
Orient Takaful PJSC is a separate CBUAE-licensed entity within the Orient group that writes motor and family takaful on a Shariah-compliant basis. Participants pay contributions, not premiums, into a shared fund. Any surplus distribution follows the fund's rules and Shariah board guidance.
Orient suits buyers looking for a long-established, group-backed UAE insurer covering multiple lines, and SME owners who want motor, health and commercial cover under one insurer relationship. Those who want takaful cover deal with the separate Orient Takaful PJSC rather than Orient Insurance PJSC.
Independent comparison from CBUAE-licensed insurers. Premiums are indicative; always confirm terms directly with the insurer.
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