(1) Property All Risks Insurance

This policy provides all risk coverage to property whilst situated at the described premises against loss and/or damage due to any accident or misfortune other than those specifically excluded under the Policy.

ASNIC’s Property All Risks Insurance cover is based on Industrial and Commercial Property Insurance Policy Wording (Market 7 or LM7 Wording).

When compared to conventional Fire Policy, the Property All Risks Policy covers accidental damage to insured property in addition to the Fire & Allied Perils and Burglary.

(2) Fire and Allied Perils Insurance

This form of insurance designed to cover insured properties whilst at specified locations and is essential for all types of properties whether personal or commercial.

All moveable/immoveable properties, which are broadly categorized as follows whilst at specified locations, can be covered under the above Policy:

- Buildings
- Plant & Machinery, Equipments & Accessories
- Stock in trade
- Other Contents such as Furniture, Fixtures, Fittings, Office Equipments

There are two options of cover available under this category to insure property.

1. The basic cover under Fire Policy is for loss or damage to property due to Fire and Lightning only.

2. The second option is to cover loss &/or damage to property due to Fire, Lightning plus a host of Allied Perils such as :

  • Storm, Tempest and Flood
  • Bursting of Water Tanks, Apparatus or Pipes
  • Aircraft Damage
  • Impact Damage
  • Explosion
  • Riots And Strike
  • Malicious Damage
  • Earthquake, Tsunami

(3) Burglary Insurance

This policy covers loss or damage to property due to theft following forcible entry into or exit from the premises.

The term “burglary or house-breaking” is defined as theft involving entry into or exit from the insured premises by forcible and violent means.

The cover for Burglary is availed in conjunction with the Fire and Allied Perils Insurance in either combined or separate contracts. The later case requires that a Fire insurance policy is in force.

(4) Business Interruption Insurance

A fire or an insured peril might do very little material damage to the buildings or the contents, yet the interruption of business might be very serious.

Consequential Loss Policy indemnifies the insured for Loss of Net Profit, Standing Charges and increase in Cost of Working Expenses resulting from an accident indemnifiable under the underlying Fire & Allied Perils or Property All Risks Insurance Policy.

It is important to select the Indemnity Period (for a period of 3 / 6 / 12 months or more) during which the business can be restored to its pre-loss position following a loss.

For Business Interruption cover to operate, it is compulsory that there be in place a Property All Risks or Fire Insurance Policy.

(5) Householders Insurance

 This is a comprehensive blanket insurance policy covering different types of risks relating to household properties such as fire and allied perils, burglary, electronic equipment, plate glass, medical expenses, third party liability, all under a single policy.



The various insurances offered by ASNIC under this Section is based on standard Munich Re Wording widely used by the Insurers worldwide.

(1) Contractor’s All Risks (CAR) Insurance

The CAR Policy is designed for all Buildings and Civil Engineering Projects including but not limited to :

• Commercial/Residential Buildings

• Industrial Buildings, Factories and Plants

• Warehouses

• Water Supply and Drainage Systems

• Road, Railway Facilities and Airports

The basic concept is to offer comprehensive and adequate protection against loss or damage in respect of the Contract Works, Construction Plant and Equipment and/or Construction Machinery, as well as against Third Party claims in respect of property damage and/or bodily injury arising in connection with the execution of a construction project.

This cover is offered to Contractors and Principals and their subcontractors engaged in construction activities.

The Policy comprises of 2 Sections:

Section I - Material Damage

Covers physical loss, damage or destruction of the property insured by any cause, other than those specifically excluded in the policy.

Section II - Third Party Liability

Covers the legal liability of the Insured as a result of bodily injury to third party or property damage belonging to a third party arising out of performance of the contract works and happening on or in the immediate vicinity of the site, subject to standard Exclusions specified in the Policy Wording.

(2) Erection All Risks (EAR) Insurance

The scope of cover is like the Contractor's All Risks Insurance but specifically designed for Erection/Installation projects, where the values of the Plant/Equipment to be erected dominate the Contract Value.

This cover is offered to Contractors and Principals and their subcontractors engaged in erection activities.

The Policy comprises of 2 Sections:

Section I - Material Damage

Covers physical loss, damage or destruction of the property insured by any cause, other than those specifically excluded in the policy.

Section II - Third Party Liability

Covers the legal liability of the Insured as a result of bodily injury to third party or property damage belonging to a third party arising out of performance of the contract works and happening on or in the immediate vicinity of the site, subject to standard Exclusions specified in the Policy Wording.

(3) Contractor Plant and Machinery (CPM) Insurance

CPM Policy covers on an annual basis various types of mobile equipments like earthmovers, excavators, cranes, shovels, forklifts whilst at work, at rest or during maintenance operations at construction sites only.

The policy covers sudden, accidental, external damage to the insured machinery due to any cause other than those specifically excluded in the policy.

It is a main condition under the above insurance coverage that the sum insured shall be equal to the cost of replacement of the insured items by new ones of the same kind and capacity, including cost of freight, customs duties and dues, if any, and cost of erection.

(4) Machinery Breakdown Insurance

Machinery Breakdown Insurance covers loss or damage to fixed and/or non-mobile plant and machinery due to any unforeseen and sudden physical loss or damage to machinery insured resulting from causes such as defects in casting and material, faulty design, faults at workshop or in erection, bad workmanship, lack of skill, carelessness, shortage of water in boilers, physical explosion, tearing apart on account of centrifugal force, short circuit, or from other causes not specifically excluded.

The Policy would not cover those losses which otherwise insurable under a Fire and Perils or Property All Risks Policies.

It is a condition that Sum Insured should represent the New Replacement Values and that there shall be a satisfactory Maintenance Program throughout the period of Insurance.

(5) Loss of Profit due to Machinery Breakdown Insurance

Machinery Loss of Profits insurance provides cover for the actual loss of gross profits (i.e. net profit and standing charges) and/or increased cost of working sustained as a result of a business interruption caused by an accident indemnifiable under Machinery Insurance.

It is important to select the Indemnity Period (for a period of 3 / 6 / 12 months or more) during which the business can be restored to its pre-loss position following a loss.

For Business Interruption cover to operate it is compulsory that there be in place a Machinery Breakdown Insurance Policy.

(6) Deterioration of Stock (DOS) Insurance 

The Policy provides cover against deterioration of perishable stock such as ice creams, meat, chicken, vegetables and others similar items of trade by the mechanical breakdown of the refrigerating plant.

The insured is indemnified for the damage caused to the insured stocks by deterioration arising out of any accidental damage to the refrigerating plant resulting in a rise in temperature.

Deterioration of Stock in Cold Storage insurance is designed to meet the requirements of those who want to insure their stocks against deterioration of goods in cold storage due to breakdown of refrigerating machinery provided such machinery is covered under a Machinery Insurance Policy.

(7) Electronics Equipment Insurance

Electronic equipments such as Computers, Laptops, Medical, Bio-Medical, Micro Processors, Audio-visual equipments etc. can be covered under Electronic Equipment Insurance.

Coverage for electronic equipments is provided under Three Sections:

Section I - Material damage

Section II - External data Media

Section III - Increased cost of working

Section I - Material Damage

Cover the insured electronic equipment against any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded under the Policy, in a manner necessitating repair or replacement

It is a condition that Sum Insured should represent the New Replacement Values.

Section II - External Data Media

If the external data media inclusive of the information stored thereon, which can be directly processed in EDP systems, suffer any material damage indemnifiable under section 1, the company will indemnify the insured not exceeding the sum insured.

Section III - Increased Cost of working

If material damage indemnifiable under section 1 gives rise to a total or partial interruption of operation of the EDP equipment, the insured will be indemnified for any additional expenditure incurred for the use of substitute EDP equipment up to an amount not exceeding the sum insured.



(1) Workmen’s Compensation Insurance

Chapter 8 of the U.A.E. Federal Labour Law No.8 of 1980 defines the compensation that is payable by an Employer to his employees following injuries caused by work related accidents.

Workmen's Compensation Insurance is designed to protect the employer against their liabilities to employees in respect of injuries suffered by them arising out of and in the course of their employment as per Labour Law/Workmen's Compensation Ordinance.

The coverage under this Policy may be extended to include Employer’s Liability, which will cover liability under Common Law and/or Sharia Law.

(2) Public Liability Insurance

The Policy will indemnify the insured against all claims upto the limits specified, for which the Insured shall become legally liable to pay as compensation for :

a) Accidental bodily injury to Third Party; and

b) Accidental loss or damage to Third Party property

for any accidents happening during the period of insurance at or about the premises specified in the Policy and caused by the Insured and/or their employees whilst performing their normal business activities.

The Company in addition will reimburse all costs and expenses incurred with its written consent defending such a claim for compensation.

The cover is subject to standard exclusions specified in the Policy.

(3) Products Liability Insurance

This insurance is intended to provide an indemnity to the insured (upto the limit of liability) in the event of a claim being brought against him for bodily injury / property damage to third party caused by any commodity or good sold supplied installed erected repaired altered or treated by the insured in connection with the business specified and occurring during the Policy period elsewhere than on the Insured’s premises.

The Company in addition will reimburse all costs and expenses incurred with its written consent defending such a claim for compensation.

The insurance will however not cover the cost of removing, replacing or repairing defective products or loss of use thereof.

The cover is subject to standard exclusions specified in the Policy.

(4) Professional Liability Insurance

The policy covers all sums which the Insured (such as Architects, Engineers, Medical Practitioners, Lawyers, Chartered Accountants etc.) becomes legally liable to pay as damages to third party in respect of any error and/or omission on his/her part committed whilst rendering professional service. Legal cost and expenses incurred in defence of the case, with the prior consent of the insurance company, are also payable, subject to the overall limit of indemnity selected and the standard exclusions specified in the Policy.



We have a well-diversified marine portfolio serviced by a customer-focused team of professionals. Our Marine Dept. is equipped not only to provide you with appropriate coverage at the most reasonable price but also valuable suggestions on risk management.

  • MARINE CARGO (Specific Voyage / Marine Open Policy / Stock Throughput Policy)


It is a policy that provides you with indemnity & financial protection for loss of or damage of cargo during transit /between the point of origin to final destination by Sea, air ,land or parcel post.

In order to ensure smooth trading operations we, at Al Sagr National Insurance Company, provide various types of Marine Cargo Insurance against such physical loss or damage to cargo.

Marine Cargo Insurance provided by us depends on various factors such as nature of the cargo, mode of packing, longevity of voyage, mode of shipment, etc.

For more details on Marine Cargo Insurance, please e-mail or call 04-7028500



Ship-owners who invest large amount of money in Ocean Going Vessels and Vessels operating in Coastal Waters look for apt insurance cover to protect their interest against unforeseen loss or damage caused by perils of sea and human risk factors in connection with the operation of such Vessels.

A team of experts in Al Sagr National Insurance Company well equipped to handle this very specialized type of insurance, perform pro-active consultancy role to our clientele and indicate the best available coverage /alternatives to help them arrive at an appropriate decision regarding Marine Hull & Machinery Insurance Policies.

For more details on H&M Insurance, please e-mail or call 04-7028500


Yacht/pleasure Craft insurance provides indemnity liability coverage on pleasure boats. This includes liability for bodily injury or damage to the property of others and damage to personal property on the boat.

For more details on Pleasure Craft/Yacht Insurance, please e-mail or call 04-7028500


Builder's Risk insurance policy is designed to cover a vessel from the start of construction through the final delivery to the customer.

Coverage can be placed for the builder or owner of the vessel and insures against physical loss or damage to the vessel and collision liability and protection and indemnity exposures during sea trials and delivery

The policy can be written for the construction of a specific vessel or for a builder’s ongoing construction operations.

For more details on Builder’s Risk Insurance, please e-mail or call 04-7028500


Marine's Ports & Terminals Liability insurance protects companies involved in the carriage, handling or storage of cargo against legal liabilities arising out of the conduct of their business.

For more details on Ports & Terminal Handling Insurance, please e-mail or call 04-7028500


Protection and Indemnity insurance, commonly known as P&I, is insurance in respect of third party liabilities and expenses arising out of the ownership or operating of ships other than that covered under the collision clause in a hull policy. A P&I Club is typically an association of ship-owners set up to provide mutual protection and support against a range of different risks and liabilities, including personal injury to passengers and crew, damage to or loss of cargo and third-party insurance.

For more details on P&I Insurance, please e-mail or call 04-7028500


  • Ship Repairer’s Legal Liability Insurance
  • Haulier's Liability Insurance
  • Freight Forwarders Liability
  • Stevedoring Liability Insurance
  • Pollution Hazard Policy / Liability Insurance for Bunkering Activities
  • Charterer’s Liability Insurance


Motor Insurance deals with the insurance of road vehicles. Motor Insurance has become an important aspect of everyday life. In today's human activities there is tremendous risk to people and property. With the uncertainty in individual driving styles, habits and carelessness, traffic accidents do happen without any warning inspite of all the precautions taken by the drivers. Insuring your vehicle could ease the tension of bearing the consequences of any traffic accident. These considerations have urged legislators to enforce Motor Insurance to be mandatory. According to United Arab Emirates Federal Law No. (21) of 1995, Motor Insurance against Third Party Liability is compulsory for obtaining Motor Vehicle Registration.

Our Motor policy satisfies the legal requirement for motor insurance in the U.A.E.

There are basically two types of covers available under Al Sagr National Insurance Company's Motor Insurance:

1. Loss, Damage and Third Party (Comprehensive).

- Own damage to the vehicle upto the declared value, less deduction in accordance with the terms and conditions of Section (1) of the policy.

- Death and/or Bodily injury to any third party is unlimited (but sum awarded by court whatever it may be).

- Damage to Third Party Property upto the agreed amount.

2. Third Party Liability (TPL)

- Death and/or Bodily injury to any third party is unlimited (but sum awarded by court whatever it may be).

- Damage to Third Party Property upto the agreed amount.

Geographical Area for insurance cover is United Arab Emirates

Upon the request of the Insured, the company, by way of additional endorsement attached to the policy and within the limits of its provisions and conditions, may extend the Geographical Area to include other countries, and/or provide Personal Accident cover for the insured and his family/employees working for the insured against accident that may occur to any one of them while using/in the motor vehicle.



ASNIC Medical Plans

Al Sagr National Insurance with its experience in the health insurance field has carefully designed wide range of group, individual and ME products with unique benefits to suite all your needs.

Our Individual and Family Plans provide Wide range of compliant products with comprehensive, enhance, basic coverages based on the members’ visa type.

    • Abu Dhabi health plans for members based in Abu Dhabi and Al Ain
    • Dubai health plans for Dubai Visa Holders based in Dubai
    • North emirates health plans for North emirates Visa Holders

Our Group products provide wide range of SME “readymade” products for groups up to 150 live and tailor made products as per the client’s selection of main benefits, additional benefits, local and international coverage.

Our Network of Medical Providers

In order to cater for the needs of our clients, ASNIC contracted with best TPAs in the market Next care and NAS to administrate you polices Our TPAs offer a remarkable wide network of providers. These preferred Health Providers are
Splendidly equipped to provide our valued members with the necessary health care.
For review of the network updates, you can use below links

ASNIC Medical Insurance services

ASNIC is dedicated to provide our valued clients with the most cost effective services and professional benefit management topped with: -

  • Personalized attention to the highest standards
  • Effective value-added services
  • Flexible Product Design
  • Comprehensive Covers
  • Prompt Claims Processing and Settlement

The main feature of  our products is to provide an adequate and sufficient medical treatment through easy and simple administrative procedures. Our products cover a wide range of benefits, like:

1- Out-Patient benefits:

  • • Personalized attention to the highest standards
  • • Effective value-added services
  • • Flexible Product Design
  • • Comprehensive Covers
  • • Prompt Claims Processing and Settlement
  • • Online portals for quotation services

The main objective of our medical products is to provide an adequate and sufficient Health Care coverage with wide range of benefits, like:

1- Out-Patient benefits:

  • • Consultation fees for general practitioners and specialists
  • • Cost of prescribed medications from licensed pharmacies
  • • Flexible Product Design
  • • Cost of prescribed Laboratory and radiology services.
  • • Physiotherapy

2- In-Patient benefits::

  • • Hospitalization charges ( accommodation and other hospital services)
  • • Doctor’s fees
  • • Prescribed medications
  • • Other medical expenses including Operation Theater.

3- Additional Benefits:

  • Dental benefit
  • Optical benefit
  • Many other additional benefits.

4- Built-in Free of Charge Benefits:

  • International Assistance
  • Second Medical Opinion

Health Authorities:

ASNIC is holding licenses to operate in all Emirates of UAE.
Abu Dhabi Department of Health (DOH) to provide medical insurance for the Emirate of Abu Dhabi Visa holders

Dubai Health Authority (DHA) Insurance Permit (HIP) to operate in the Emirate of Dubai for Dubai Visa holders

Below links connect you with UAE health insurance authorities which provide you with updates and news related to health insurance laws and regulations

HAAD Circulars

DHA Circulars

Health Insurance Law (employer’s Information Pack)


Flexi Dubai Individual Plans 2018-V6
Flexi Plus Individual Plans 2018- V6
Pre-existing declaration form
Application Form - Northern Emirates


Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die. Life insurance proceeds could mean your dependents will not have to sell assets to pay outstanding bills, or any other obligation a family might have to deal with. An important feature of life insurance is that no income tax is payable on proceeds paid to beneficiaries.

How to determine the amount of life insurance you may need.

Before buying life insurance, you should assemble personal financial information and review your family's needs. There are a number of factors to consider when determining how much protection you should have. These include:

  • Any immediate needs at the time of death, such as final illness expenses, burial costs, and estate taxes;
  • Funds for a readjustment period, to finance a move or to provide time for family members to find a job;
  • Ongoing financial needs, such as monthly bills and expenses, day-care costs, college tuition or retirement.

Although there is no substitute for a careful evaluation of the amount of coverage needed to meet your needs, one rule of thumb used is buy life insurance that is equal to five to ten times annual gross income.

Buying life insurance is not like any other purchase you will make. When you pay your premiums, you're buying the future financial security of your family that only life insurance can provide. Among its many uses, life insurance helps ensure that, when you are no longer around, your dependents will have the financial resources needed to protect their home and the income needed to run a household.



Are you planning to travel on business or for a holiday with your family? Don’t forget to carry along the new Al Sagr Travel Insurance Policy. 
Al Sagr has developed a new series of travel insurance plans in association with MAPFRE Asistencia, the leading Spanish Insurance Group. The product offers you the best in class protection and assistance while traveling abroad. The key benefits includes medical emergency assistance, personal accident cover, reimbursement of expenses incurred due to cancelled, missed or delayed flight’s, as well as loss of personal belonging, passport and/or cash*.

All our Schengen Series Plans complies with the Schengen Area Tourist Visa requirements (including the new Swiss Tourist Visa Requirements).

To get to know more about the product, you can contact our Retail Desk on +971 47028627 or write to Or click here for more details

GENERAL 24/7 INTERNATIONAL HELPLINE (English, Arabic, Spanish, Hindi & Persian)

Ireland: + (353) 91 56 06 21
Germany: + (49) 1805115610
USA: + 1 567 269 2968
International: + (973) 17 21 88 99
Fax: + (973) 17 21 51 77


(1) Personal Accident Insurance

If at any time during the currency of the Policy, the insured dies or sustains any bodily injury resulting solely and directly from accident caused by external, violent and visible means, the Personal Accident Policy would indemnify the victim/legal heirs of the deceased.

The insurance provides compensation in the event of death or disability as a direct result of accident based upon the sum assured, nature of disablement/injury, etc.

Different coverages are available ranging from a restricted cover of Death only, to a comprehensive cover covering Death, Permanent Disablements and Temporary Total Disablements. In addition to that that the cover can also be extended to include Medical Expenses due to accident and Expenses of Repatriation of mortal remains following accidental death for a specified limit.

This policy is basically designed to offer compensation to the insured person who dies or sustains bodily injury solely as a result of an accident which is external, violent and visible. Hence death or injury due to any illness or disease is not covered by the policy.

The policy operates worldwide and is a 24 hours cover, subject to specified exclusions in the Policy.

(2) Neon Sign Insurance

This Policy covers Loss or Damage to the Neon Sign installation or any part thereof described in the Policy whilst situated at the specified location by Fire, Lightning, Explosion, Aircraft, Riot, Strikes, Malicious Damage, Storm, Tempest, Flood, Earthquake, Impact and Bursting /Overflowing of water tanks, apparatus and/or pipes, subject to specified exclusions in the Policy.

(3) Plate Glass Insurance

This insurance is intended to cover fixed plate glass against accidental breakage due to any cause not otherwise excluded in the Policy.

The Company’s Liability is to replace the broken glass with glass of similar quality or at its option pay to the Insured the value of the glass broken at the price current at the date of the breakage, subject to adequacy of sum insured.

The insurance cannot be extended for glass which is not fixed, i.e. which might be loose or movable in the premises.

(4) Money Insurance

The policy is designed to protect against loss of money:

Whilst on the premises

- in locked Counters/Drawers/Cash Registers/Tills/Cabinets during business hours;

- in a locked Safe;

Whilst in transit

During the course of transit between specified locations on direct trips by authorized employees.

(5) Fidelity Guarantee Insurance

The desire for wealth can change the attitude of human beings. It induces malicious intention in any person and it cannot be judged by their behavior.

When huge sums of money are being handled by employees, there is always a risk of it being misappropriated or embezzled. Business can suffer huge losses by this kind of infidelity risks

The policy covers the employer in respect of any direct financial loss sustained as a result of fraud and dishonesty of his employees who are named in the Policy and committed by them in the course of their employment for their financial gain.

The Fidelity Guarantee Policy is recommended not only in respect of employees dealing with Cash/Accounts such as Finance Managers, Cashiers, Accountants, etc. but also those who are responsible for stocks such as Salesmen, Storekeepers, etc.

Should your business or personal requirements need other insurance coverages, we are always open to offer appropriate tailor-made products to you.

(6) Credit Insurance

If the customer to whom goods are supplied on credit fails to discharge their debt, many businesses may end up in bankruptcy. The ideal solution for such an eventuality is to go for credit insurance whereby the insurance company undertakes to pay the creditor the amount of the outstanding debt in case of the failure of the debtor to repay the debts.


2015 Al Sagr National Insurance Company Terms and Conditions



Username :

Password :


Username :

Password :