What Dubai National Insurance & Reinsurance does

Dubai National Insurance & Reinsurance P.S.C. (DNI) is a UAE-based public shareholding insurance company founded in 1991 and listed on the Dubai Financial Market (ticker: dfm:DNIR), operating from Deira, Dubai. The company provides a broad portfolio of insurance products across two primary segments: personal lines (motor, medical, travel, home, pedal cycle) and commercial lines (motor fleet, group medical, group life and personal accident, engineering, general accident, liability, marine, property). DNI also offers a specialty individual account-level insurance product for digital precious metals, launched through a partnership with OGold in April 2026.

The company operates an insurance technology platform that supports online policy issuance, claims processing, and a network directory for medical providers spanning 11+ networks (Mednet, Nextcare, NAS, Lifeline, Empire, Pearl, Sapphire, Neuron, Global Choice, Aafiya, Almadallah). Distribution is direct-to-consumer through a corporate website with online quote capability, dedicated self-service portals (online.dni.ae, medical.dni.ae), and a phone-based contact center (600 5 80000), supplemented by partnerships with leading UAE automotive agencies and garages for motor claims handling. The company is ISO 9001:2015 certified and holds an AM Best credit rating affirmation (December 2025) citing strong balance sheet and operational performance.

DNI generates revenue through insurance premiums collected from policyholders across its personal and commercial product lines. Pricing is quote-based and not publicly disclosed, determined per individual risk assessment with annual billing. The company maintains an investor relations function with Board of Directors disclosures, consistent with its public company structure. Geographic reach is domestic UAE (Dubai and Abu Dhabi), with no disclosed international operations or parent company relationships.

Name

Dubai National Insurance & Reinsurance

Legal name

Dubai National Insurance & Reinsurance P.S.C.

Website

https://dnirc.com

Company type

Public

Founded year

1991

Operating status

Operating

Headcount range

101–250 employees

Short description

Dubai National Insurance & Reinsurance P.S.C. is a UAE-based public insurer (founded 1991, listed on DFM) offering personal and commercial insurance lines — motor, medical, travel, home, marine, engineering, liability, and property — plus specialty digital precious metals coverage, serving individual and enterprise customers across Dubai and Abu Dhabi.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH)

akta.pro secondary industries

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG), Facultative Engineering & Construction (CAR/EAR) Reinsurance (FSAOAFAE)

Keywords

• Personal insurance products
• Commercial insurance coverage
• Motor insurance policies
• Health insurance plans
• Property insurance solutions

Headquarters

HQ city

Deira

HQ country

United Arab Emirates

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Others, Personnel, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Premium Revenue: DNI generates revenue through insurance premiums collected from policyholders across personal and commercial lines including motor, medical, travel, home, marine, engineering, property, and liability insurance products.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Dubai National Insurance & Reinsurance P.S.C. (DNI) is a UAE-based public shareholding insurance company that underwrites and distributes a broad portfolio of personal and commercial insurance products. Its personal line includes motor, medical, travel, home, and pedal cycle insurance, while its commercial line covers motor fleet, group medical, group life and personal accident, engineering, general accident, liability, marine, and property insurance. The company sells policies through online portals (online.dni.ae, medical.dni.ae), a phone contact center (600 5 80000), and a network of partner garages and agencies, with claims processed via a wide medical network directory in the UAE.

Product overview

Dubai National Insurance & Reinsurance P.S.C. (DNI) offers a comprehensive insurance platform providing both personal and commercial insurance products. The personal product line includes Motor Insurance, Medical Insurance, Travel Insurance, Home Insurance, and Pedal Cycle Insurance. The commercial product line includes Motor Fleet Insurance, Group Medical Insurance, GL & Personal Accident, Engineering Insurance, General Accident Insurance, Liability Insurance, Marine Insurance, and Property Insurance. The company also offers specialty insurance products such as individual account-level insurance for digital precious metals. Products are available through online quote systems and the company's website, with claims processing through partner garage networks and medical provider networks.

Differentiator

Problem solved

Functional benefit

Products and services

• Motor Insurance

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• OGoldcoreGTM or Marketing Partner · 3 April 2026OGold, the UAE's Shariah-compliant gold and silver Super App, partnered with Dubai National Insurance to launch individual account-level insurance for its entire customer base. DNI upgraded from traditional company-level protection to personalized, underwritten guarantees covering gold and silver assets (bars, coins, medallions, bullion) against physical loss or damage during transit and storage, with war risk coverage included without sub-limits for bullion movements.
• Al Habtoor Polo ResortminorStrategic or Co-development Partner · 24 February 2026Al Habtoor Polo Resort and Dubai National Insurance partnered to launch the 'Plant a Tree, Preserve the Future' environmental initiative. Under the program, tree species will be planted across the resort's landscapes to enhance biodiversity, improve air quality, and increase green cover. Both organizations framed the initiative as a tangible expression of their ESG commitments and long-term sustainability strategies.
• Leading Agencies and GaragescoreChannel Partner/ Reseller/ DistributorDNI partners with leading automotive agencies and garages across the UAE to provide customers with a hassle-free motor insurance claims experience.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Takaful Emarat: DFM-listed Shariah-compliant insurer providing individual and corporate family, medical and general takaful products. Comparable UAE retail and group medical focus.
• Salama (Islamic Arab Insurance Company): DFM-listed Shariah-compliant insurer offering family, motor, medical and commercial takaful products. Comparable UAE listing and multi-line model with a differentiated Islamic-finance positioning.
• Dubai Insurance Company: DFM-listed Dubai-based general insurer with similar personal and commercial product lines. Closely comparable size, geography and product set.
• Orient Insurance: UAE-based multi-line insurer offering motor, medical, marine, aviation, engineering and liability cover across the Gulf. Comparable product breadth with a strong regional distribution footprint.
• Abu Dhabi National Insurance Company (ADNIC): Major UAE-listed multi-line insurer providing personal and commercial lines including motor, medical, marine, energy and engineering. Closely comparable product breadth and customer segments, with a larger scale.
• Oman Insurance Company: DFM-listed UAE insurer offering personal and commercial lines including motor, medical, engineering, marine and energy. Direct competitor in the Dubai general insurance market with overlapping corporate and retail segments.
• Emirates Insurance Company: UAE-listed multi-line insurer offering personal and commercial property, casualty, motor and engineering coverage with comparable distribution. Directly competes with DNI in the same Dubai-based general insurance market.
• Al Ain Ahlia Insurance Company: ADX-listed UAE insurer offering motor, medical, engineering, marine and general accident coverage. Comparable multi-line product set with similar customer segments.

Broad incumbents

• Qatar Insurance Company: Largest insurer in the MENA region offering personal and commercial lines including motor, medical, marine, aviation and engineering. Competes in the broader regional market with a much larger and more diversified footprint than DNI.
• AXA Insurance Gulf: Regional arm of global insurer AXA, providing personal and commercial motor, medical, property and liability coverage across the UAE and GCC. Competes with DNI across most product lines but operates as part of a wider global portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/dnir_c

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dubai National Insurance & Reinsurance