Insurance premium and claims by emirate

Which emirates are allocated the most premium?

Three emirates were allocated 97.9% of the AED 68,530,440 thousand written within the UAE in 2025.¹ Dubai had 63.9%, Abu Dhabi 29.8% and Sharjah 4.1%. Ras Al Khaimah had AED 641,736 thousand, Fujairah AED 446,812 thousand, Ajman AED 329,196 thousand and Umm Al Quwain AED 51,188 thousand. The report puts outside-UAE business under inward operations, at AED 6,310,147 thousand. The tables assign premium to an emirate. The report does not say the insured risk sits there.

8 categories. Highest: Dubai, 43.78 AED billion. Lowest: Umm Al Quwain, 0.05 AED billion.

Source

Source: Central Bank of the UAE, Annual Statistical Report for the Insurance Sector of the U.A.E. 2025. Accessed 4 Nov 2026.

In which classes does Abu Dhabi lead Dubai?

Abu Dhabi leads in engineering, construction and energy, and in the small reinsurance row. It had AED 1,554,371 thousand of engineering premium within the UAE against AED 1,209,978 thousand for Dubai, 53.9% against 41.9%. In the reinsurance row it had AED 4,295 thousand against AED 1,259 thousand.

Dubai is ahead in every other class: 62.8% of fire, 59.9% of marine and aviation, 67.3% of motor, 69.0% of other and 60.5% of health. Dubai’s widest lead is in persons and fund accumulation, at 81.2% against Abu Dhabi’s 14.2%.

8 categories. Highest: Engineering, construction and energy, 53.9%. Lowest: Persons and fund accumulation, 14.2%.

Source

Source: Central Bank of the UAE, Annual Statistical Report for the Insurance Sector of the U.A.E. 2025. Accessed 4 Nov 2026.

How much premium sits outside the UAE?

Of all fire premium, 29.7% is in the Outside UAE column, AED 2,044,237 thousand. For engineering the share is 32.7%, AED 1,399,442 thousand. Across all types it is 8.4%. Health is 1.6%. The report calls this inward operations from outside the UAE and does not name the locations.

8 categories. Highest: Engineering, construction and energy, 32.7%. Lowest: Health, 1.6%.

Source

Source: Central Bank of the UAE, Annual Statistical Report for the Insurance Sector of the U.A.E. 2025. Accessed 4 Nov 2026.

How many policies does each emirate have?

Dubai shows 59.2% of the 15,647,167 policies within the UAE, individual and group together. Dubai had 9,262,264, Abu Dhabi 4,036,144 and Sharjah 1,098,681. Abu Dhabi had 1,470,037 motor and transportation policies against 2,575,788 for Dubai, and 636,678 health policies against 1,312,257.

How much did insurers pay in claims in each emirate?

Gross paid claims within the UAE were AED 42.73 billion. Dubai had AED 26,540,611 thousand, Abu Dhabi AED 13,160,006 thousand and Sharjah AED 1,915,807 thousand. Health was AED 25,687,830 thousand of the within-UAE total, and property and liability AED 13,060,187 thousand.

Why are Fujairah’s paid fire claims higher than its fire premium?

Fujairah shows AED 439,849 thousand of fire claims paid beside AED 76,574 thousand of fire premium written in 2025. Its engineering figures are AED 53,846 thousand paid and AED 13,880 thousand written. These are single-year figures and the report gives no cause. The market by class page has class totals for the whole market.

The small print

• The report does not state the rule used to allocate premium to an emirate. It has no mainland or free zone split.¹
• The tables hold no earned premium by emirate, so they give no loss ratio by emirate. Paid claims over written premium is only a proxy, so none is shown.
• The tables hold 2025 only, so no change over time can be shown.
• Premium divided by policies is not a price and is not shown.
• Billions and shares are derived from the tables. Shares are of premium within the UAE.