Best Insurance Apps in the UAE 2026: Ratings, Licenses, and the Fine Print

Quick summary

• Shory tops the list at 4.8 stars, with paperless car, health, home, and pet insurance, and it's the only insurer plugged directly into TAMM 4.0, Abu Dhabi's government services app, for vehicle insurance renewals.
• tamm has quietly become a contender in its own right, rating 4.6 stars now that residents can buy or renew that same Shory cover without ever leaving the government app.
• Every provider here, Shory, QIC, tamm, AWNIC, ADNIC, Hayah Insurance, and Al Ain Ahlia, operates under Central Bank of the UAE (CBUAE) oversight, either directly licensed or, in tamm's case, distributing a licensed insurer's product.
• Shory has also partnered with Dubai's Ports, Customs and Free Zone Corporation (PCFC) to launch the UAE's first fully digital marine insurance service.
• Ranked by star rating: Shory (4.8) > QIC (4.7) > tamm (4.6) > AWNIC (4.2) > ADNIC (4.0) > Hayah Insurance (3.7) > Al Ain Ahlia (2.9).
• Bottom line: Shory is the best all-rounder for car, home, health, or pet cover. Abu Dhabi drivers already living inside tamm can get the same underwriting without switching apps. For corporate or employer-administered health plans, ADNIC, QIC, or AWNIC are worth a look instead.

One honest caveat before we get into it: these star ratings are a snapshot, not a permanent scoreboard. App store ratings move around week to week, so check the live number before you decide.

Which insurance app is best in the UAE? (Quick answer)

Shory is the best-rated insurance app in the UAE right now, at 4.8 stars, and it's built as a fully paperless digital broker for car, health, home, and pet insurance. It's also the only UAE insurer wired directly into a government super-app, tamm 4.0 in Abu Dhabi, for AI-driven vehicle insurance renewals. QIC sits close behind at 4.7 stars with a solid motor and travel insurance offering, and tamm itself rates 4.6 stars as the government channel through which that same Shory cover gets sold.

The 7 best insurance apps in the UAE (2026): a quick comparison

Treat the table as a starting point. The breakdown below gets into what each app is actually good at, and where it isn't.

Are UAE insurance apps licensed by the Central Bank?

Yes, for every insurer on this list. Anyone selling insurance in the UAE, companies and brokers alike, needs a license from the Central Bank of the UAE (CBUAE), which absorbed insurance regulation from the old Insurance Authority back in 2020. That licensing matters for a few practical reasons:

• Your policy sits with a regulated entity, not an unlicensed reseller or an offshore broker.
• Disputes can go through the CBUAE's Insurance Sector Complaints Management framework.
• Solvency and conduct rules govern how these insurers price risk, hold reserves, and pay claims.

A few specifics worth flagging:

• Shory Insurance holds CBUAE License No. 287 and is a subsidiary of International Holding Company (IHC), the UAE's most valuable listed company.
• ADNIC has been around since 1972 and holds CBUAE License No. 1, the first insurance license ever issued in the country, and it's listed on the Abu Dhabi Securities Exchange.
• Hayah Insurance answers to both the CBUAE and the Securities and Commodities Authority (SCA), and it's also ADX-listed.
• QIC, AWNIC, and Al Ain Ahlia are each licensed as general or life insurers under CBUAE oversight. Al Ain Ahlia additionally carries an S&P Global "A-" financial strength rating.
• tamm isn't an insurer at all. It's the Abu Dhabi government's services app. The vehicle insurance sold through it comes from CBUAE-licensed Shory, so you get the same regulatory backing as buying through Shory directly.

Worth a habit: before downloading any insurance app, check that the developer name on the store listing matches the licensed legal entity. It's a quick way to dodge look-alike or scam apps.

Beware of fraud: fake insurance offers on social media

This isn't a hypothetical risk. Dubai Police's Anti-Fraud Centre, part of the General Department of Criminal Investigation, has repeatedly warned residents in 2026 about fake insurance offers spreading through social media, most recently as part of its ongoing #BewareofFraud campaign. The pattern is consistent: unlicensed operators post vehicle or health insurance deals priced well below the market rate, then push buyers to pay before anyone can check whether the company is real.

Top 7 insurance apps in the UAE 2026 (ranked by rating)

1. Shory Insurance — 4.8 ★ (best overall app for buying insurance)

Shory is a fully paperless digital insurance broker out of Abu Dhabi. You compare and buy car, health, home, and pet insurance in one flow, get a quote in under 90 seconds, and walk away with a policy without paperwork, a branch visit, or a sales call.

What stands out about it:

• Car, health, home contents, and pet insurance in one app, plus corporate cover for businesses
• Instant digital policy issuance and claims tracking
• Backed by IHC, the UAE's largest listed company, under CBUAE License No. 287
• The only UAE insurer built directly into a government platform for vehicle insurance (more on that below)
• A new marine insurance line through its partnership with Dubai's PCFC

The rating alone would put Shory near the top of this list. Add the government platform integration and the spread across product lines, and it's the app most 2026 comparisons land on first.

2. QIC — 4.7 ★ (best for motor and travel insurance)

QIC, the UAE arm of Qatar Insurance Company, runs a well-rated app for motor, travel, and general insurance, with digital quoting and claims handling. It's picked up some regional recognition for its app design and claims experience too. If you want a straightforward motor and travel app from an established regional name, this is a solid pick.

3. TAMM — 4.6 ★ (best government app for buying insurance through Shory)

TAMM is Abu Dhabi's official government services platform, not an insurance company. But since TAMM 4.0 launched, it's also become one of the highest-rated ways to buy insurance in the UAE, because Shory's vehicle insurance now lives inside the same app residents already use for driving licenses, registration, and inspections.

What buying insurance through tamm actually looks like:

• Vehicle inspection, insurance renewal, and registration handled in one government-verified session, with no separate insurer login
• AutoGov pre-authorization, so a policy renews itself on its due date without you re-entering payment details
• Single Prompt processing, where a plain-language request like "renew my car insurance with third-party cover" gets verified and completed in seconds
• Coverage underwritten by CBUAE-licensed Shory, so the policy carries the same regulatory protection as buying through Shory's own app
• Access to tamm's reported base of over 3 million active users, which makes it a distribution channel more than a standalone insurer

If you're an Abu Dhabi driver who already lives inside tamm for other government business, buying or renewing insurance there without opening a second app is the fastest route to a policy.

4. AWNIC — 4.2 ★ (best for loyalty perks)

Al Wathba National Insurance (AWNIC) covers motor, home, travel, visit-visa, and even yacht and jetski insurance through its app. What sets it apart is a points program: you earn Al Wathba Insurance points on premium spend and can unlock referral discounts on motor cover, something most UAE insurance apps don't bother offering.

5. ADNIC — 4.0 ★ (best for medical and corporate insurance)

ADNIC is one of the oldest, most established insurers in the country, holding CBUAE License No. 1. Its app leans heavily toward medical insurance servicing: finding network providers, filing reimbursement claims, checking plan benefits. That makes sense if you're on an ADNIC-administered health plan through your employer. The personal-lines experience, though, feels less consumer-first than Shory or QIC.

6. Hayah Insurance — 3.7 ★ (best for life insurance)

Hayah sticks to life insurance: Simple Life (from around AED 7 a month, no medical exam), Term Life Protect (1 to 35-year terms), and Loan Protect (covering loss of life, terminal illness, and disability tied to an outstanding loan). The app keeps these policies organized in one place, but its scope is narrower than the multi-line apps ranked above it here.

7. Al Ain Ahlia Insurance Company — 2.9 ★ (best for existing motor policyholders)

Al Ain Ahlia's app is built around motor insurance: quotes in under a minute, renewals processed through a payment gateway tied into the UAE traffic portal. The company itself carries an S&P "A-" financial strength rating, but the app's rating trails everyone else on this list, which tracks with a feature set built mainly for renewing an existing policy rather than shopping for a new one.

Why Shory keeps getting called a "government-trusted" partner?

A few things are doing the work behind that label, and it's worth separating the evidence from the framing. Shory holds CBUAE License No. 287 and is backed by IHC, the UAE's largest listed company by market value. It's also the only insurer built into tamm 4.0 for AI-driven vehicle insurance renewals in Abu Dhabi. And now there's the PCFC deal, extending digital insurance into marine risk through Dubai's Smart DMA app.

To be clear, "government-trusted partner" isn't an official title anyone has stamped on Shory. It's a reasonable read of what those three facts add up to: two separate government bodies chose to build Shory's underwriting into their own apps rather than treat it as just another listed provider. Make of that what you will, but it's a stronger signal than a marketing tagline.