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UAE insurance market by class

UAE insurers wrote AED 74.84 billion of gross premium in 2025, up 14.9%. Health was AED 36.42 billion, 48.7% of the total. Motor and transportation was AED 10.08 billion, up 25.1%, and fire AED 6.89 billion.

Updated 4 min read

How much premium did UAE insurers write in 2025?

Gross written premium (GWP) rose 14.9% to AED 74.8 billion in 2025.1 Health was 48.7% of that total, motor and transportation 13.5%, persons and fund accumulation 11.2%, fire 9.2%, other 8.7%, engineering 5.7%, and marine and aviation 3.0%. Motor grew 25.1% and marine and aviation fell 2.5%. Table 2A gives property and liability as AED 30.02 billion, separate from health.

Fig. 1.Health took AED 36.42 billion of the AED 74.84 billion written in 2025

Gross written premium by class, 2025, AED billion.

Health36.42 AED billionHealth: 36.42 AED billionMotor and transportation10.08 AED billionMotor and transportation: 10.08 AED billionPersons and fund accumulation8.4 AED billionPersons and fund accumulation: 8.4 AED billionFire6.89 AED billionFire: 6.89 AED billionOther6.51 AED billionOther: 6.51 AED billionEngineering, construction and energy4.28 AED billionEngineering, construction and energy: 4.28 AED billionMarine and aviation2.26 AED billionMarine and aviation: 2.26 AED billionReinsurance, property and liability0.01 AED billionReinsurance, property and liability: 0.01 AED billionHealth36.42 AED billionHealth: 36.42 AED billionMotor and transportation10.08 AED billionMotor and transportation: 10.08 AED billionPersons and fund accumulati...8.4 AED billionPersons and fund accumulation: 8.4 AED billionFire6.89 AED billionFire: 6.89 AED billionOther6.51 AED billionOther: 6.51 AED billionEngineering, construction a...4.28 AED billionEngineering, construction and energy: 4.28 AED billionMarine and aviation2.26 AED billionMarine and aviation: 2.26 AED billionReinsurance, property and l...0.01 AED billionReinsurance, property and liability: 0.01 AED billionHealth36.42 AED billionHealth: 36.42 AED billionMotor and transportation10.08 AED billionMotor and transportation: 10.08 AED billionPersons and fund accumulation8.4 AED billionPersons and fund accumulation: 8.4 AED billionFire6.89 AED billionFire: 6.89 AED billionOther6.51 AED billionOther: 6.51 AED billionEngineering, construction and energy4.28 AED billionEngineering, construction and energy: 4.28 AED billionMarine and aviation2.26 AED billionMarine and aviation: 2.26 AED billionReinsurance, property and liability0.01 AED billionReinsurance, property and liability: 0.01 AED billion

8 categories. Highest: Health, 36.42 AED billion. Lowest: Reinsurance, property and liability, 0.01 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.

Total premium rose from AED 29.50 billion in 2013 to AED 74.84 billion in 2025.1

Fig. 2.Gross written premium rose from AED 29.50 billion in 2013 to AED 74.84 billion in 2025

Total gross written premium, 2013 to 2025, CBUAE Table 1C, AED billion.

020406080201320142015201620172018201920202021202220232024202574.84 AED billion2013: 29.5 AED billion2014: 33.53 AED billion2015: 36.95 AED billion2016: 40.01 AED billion2017: 44.82 AED billion2018: 43.72 AED billion2019: 44.02 AED billion2020: 42.5 AED billion2021: 44.32 AED billion2022: 47.25 AED billion2023: 53.38 AED billion2024: 65.11 AED billion2025: 74.84 AED billion020406080201320152017201920212023202574.84 AED bil...2013: 29.5 AED billion2014: 33.53 AED billion2015: 36.95 AED billion2016: 40.01 AED billion2017: 44.82 AED billion2018: 43.72 AED billion2019: 44.02 AED billion2020: 42.5 AED billion2021: 44.32 AED billion2022: 47.25 AED billion2023: 53.38 AED billion2024: 65.11 AED billion2025: 74.84 AED billion02040608020132015201720192021202320252013: 29.5 AED billion2014: 33.53 AED billion2015: 36.95 AED billion2016: 40.01 AED billion2017: 44.82 AED billion2018: 43.72 AED billion2019: 44.02 AED billion2020: 42.5 AED billion2021: 44.32 AED billion2022: 47.25 AED billion2023: 53.38 AED billion2024: 65.11 AED billion2025: 74.84 AED billion

CBUAE Table 1C: 2013, 29.5 AED billion to 2025, 74.84 AED billion. Highest 2025, 74.84 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.

Where are liability, professional indemnity and cyber cover in these figures?

The Central Bank report does not show liability, professional indemnity, cyber, business interruption, directors and officers or workmen’s compensation separately.

The class called Other is not defined in the report glossary or the FCSC metadata, so these covers cannot be located inside it.12 No premium by business size, turnover, headcount or sector is published. Ask an insurer or broker for a quote for these covers. The report gives no premium for them.

How do paid and incurred loss ratios compare by class?

Fire shows the widest gap between paid and incurred loss ratios. The report defines its gross loss ratio as gross paid claims over gross earned premiums, and incurred claims as paid claims plus the change in claims provisions. Table 14A gives both bases:1

  • Fire: 79.9% paid, 24.4% incurred.
  • Engineering: 39.8% paid, 11.7% incurred.
  • Marine and aviation: 51.8% paid, 44.7% incurred.
  • Motor: 69.7% paid, 72.1% incurred.
  • Other: 19.5% paid, 19.6% incurred.
  • Health: 75.3% paid, 78.8% incurred.

On the paid basis the all-types ratio was 65.1% (68.9% in 2024), property and liability 56.1% (58.6%), and health 75.3% (77.4%). The fire and engineering gaps follow a 2024 peak in incurred claims, set out on the April 2024 storm page, which treats the amounts as correlation only.

How much of each class do insurers keep?

Insurers kept 86.6% of motor premium and 15.7% of engineering premium in 2025. Retention is net written premium over gross written premium. It was 60.6% for health, 24.0% for marine and aviation and 20.4% for fire, up from 15.2% in 2024.1

Fig. 3.Insurers kept 86.6% of motor premium and 15.7% of engineering premium in 2025

Net written premium over gross written premium, 2025.

Motor and transportation86.6%Motor and transportation: 86.6%Persons and fund accumulation79.6%Persons and fund accumulation: 79.6%Health60.6%Health: 60.6%Other27.6%Other: 27.6%Marine and aviation24%Marine and aviation: 24%Fire20.4%Fire: 20.4%Engineering, construction and energy15.7%Engineering, construction and energy: 15.7%Motor and transportation86.6%Motor and transportation: 86.6%Persons and fund accumulati...79.6%Persons and fund accumulation: 79.6%Health60.6%Health: 60.6%Other27.6%Other: 27.6%Marine and aviation24%Marine and aviation: 24%Fire20.4%Fire: 20.4%Engineering, construction a...15.7%Engineering, construction and energy: 15.7%Motor and transportation86.6%Motor and transportation: 86.6%Persons and fund accumulation79.6%Persons and fund accumulation: 79.6%Health60.6%Health: 60.6%Other27.6%Other: 27.6%Marine and aviation24%Marine and aviation: 24%Fire20.4%Fire: 20.4%Engineering, construction and energy15.7%Engineering, construction and energy: 15.7%

7 categories. Highest: Motor and transportation, 86.6%. Lowest: Engineering, construction and energy, 15.7%.

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 do commercial motor and group health perform?

Commercial motor earned AED 1,609,975 thousand, 17.6% of motor earned premium, with a loss ratio of 86.6%, a combined ratio of 110.0% and a loss of AED 161,507 thousand. Group health earned AED 32,783,228 thousand, with a loss ratio of 80.3% and a combined ratio of 93.7%.1 Tables 18 and 19 split motor and health by policy type. Table 19 also shows personal accident inside the health total, at AED 529,534 thousand of earned premium. All of these are gross of reinsurance and none is a forecast for any policy or renewal.

Why is average premium per policy not a price?

Average GWP per policy divides a whole class by all its policies, personal and corporate together. It is not a typical cost for any business. The average moves with the policy counts. FCSC’s health average was AED 18,407.8 in 2023 and AED 13,921.8 in 2024, as policies went from 1,406,853 to about 2,249,541. Policies in Other went from 2,453,562 in 2022 to about 8,546,982 in 2023, and that class’s average fell from AED 1,513.2 to AED 564.3.2

Premium by emirate is on the emirate page, and premium by sales channel on the distribution page.

Evidence table
2024 gross written premium in both published series
RowUAE.Stat DF_PRE_TYPE, AED millionCBUAE workbook Table 1C, AED millionCBUAE as published, AED thousandCBUAE less UAE.Stat, AED million
Total65,105.01565,110.76965,110,7695.754
Property and liability, includes health54,063.71754,068.70354,068,7034.986
Persons and fund accumulation11,041.29811,042.06611,042,0660.768
The small print
  • Property and liability in Tables 1A and 1C. Table 1A prints AED 63,504,638 thousand for 2025 against the label Property and Liability Insurance. Table 2A gives AED 30,018,662 thousand for property and liability and AED 36,422,697 thousand for health. The report’s contents list titles Table 1A as Non-Life and Life, and Table 8 labels the same two totals Non-Life and Life. The first row is AED 33,485,976 thousand above Table 2A property and liability, which fits most of health sitting in it. The second row is AED 11,335,948 thousand, AED 2,936,720 thousand above persons and fund accumulation in Table 2A. The report does not say which lines make up that amount and does not state that either row includes health. Every class figure on this page uses Table 2A.1
  • UAE.Stat and CBUAE Table 1C differ by AED 5.75 million for 2024. The UAE.Stat file gives CBU as its source code. Neither file states why the figures differ.34 The PDF report prints the same Table 1C values. From 2013 to 2023 the two totals agree to rounding, so 2024 is the only year that differs.
  • Table 2A has a row called Reinsurance, Property and Liability, at AED 5,754 thousand for 2024, the same size as the gap. FCSC Table 1.03.01 has no such row, and its five other property and liability rows equal Table 2A to rounding. The gap falls on both rows of Table 1C, so this match does not establish the cause.2
  • The CBUAE Annual Report 2024 gives a third figure, AED 64.8 billion for 2024, up 21.4% from AED 53.4 billion.5
  • Several FCSC policy counts for 2023 and 2024 carry decimals, so they are not raw counts.
  • Commercial Motor is not defined further in Table 18.
  • The tables do not support any statement about a single policy, an SME, a sector or an insurer. The class figures are gross unless labelled net.
  • The report covers 58 insurance companies in 2025: 22 national traditional, 10 national takaful and 26 foreign branches.

Data and sources

Gross written premium by class, 2025 and 2024

8 rows, 6 columns. Table 2A, as published in AED thousand. Billions, change and share are derived. The rows sum to the published total of AED 74,840,586 thousand.

Table 1.Gross written premium by class, 2025 and 2024
ClassGWP 2025 (AED billion)GWP 2025 (AED thousand)GWP 2024 (AED thousand)Change on 2024 (%)Share of 2025 total (%)
Health36.4236,422,69731,317,75716.348.7
Motor and transportation10.0810,075,9068,051,64525.113.5
Persons and fund accumulation8.48,399,2287,493,72912.111.2
Fire6.896,887,1886,233,25510.59.2
Other6.516,507,2775,588,52116.48.7
Engineering, construction and energy4.284,284,0824,102,5374.45.7
Marine and aviation2.262,258,5542,317,571-2.53
Reinsurance, property and liability0.015,6545,754-1.70

Policies, claims and gross ratios by class, 2025

6 rows, 7 columns. Tables 7, 12A, 14A and 16A, gross of reinsurance. Policy counts include individual and group policies.

Table 2.Policies, claims and gross ratios by class, 2025
ClassPoliciesPaid claims (AED thousand)Incurred claims (AED thousand)Loss ratio, paid basis (%)Loss ratio, incurred basis (%)Combined ratio (%)
Fire222,8495,315,3521,620,10879.924.440.8
Marine and aviation252,8261,221,0281,053,67651.844.763.3
Motor and transportation5,607,0836,379,5096,596,29569.772.199.3
Engineering, construction and energy80,4461,590,658466,17739.811.726.2
Other7,867,0241,096,6431,105,32319.519.640.6
Health2,835,85526,208,28927,430,89875.378.893.1

Retention ratio by class, 2025 and 2024

7 rows, 3 columns. Table 4A. Retention is net written premium divided by gross written premium.

Table 3.Retention ratio by class, 2025 and 2024
ClassRetention 2025 (%)Retention 2024 (%)
Motor and transportation86.681.9
Persons and fund accumulation79.680.6
Health60.662.1
Other27.627.3
Marine and aviation2422
Fire20.415.2
Engineering, construction and energy15.716

Total gross written premium, 2013 to 2025, both published series

13 rows, 4 columns. CBUAE Table 1C in AED thousand as published and UAE.Stat DF_PRE_TYPE in AED million, rounded here to three decimals. UAE.Stat held no 2025 value on 4 November 2026.

Table 4.Total gross written premium, 2013 to 2025, both published series
YearCBUAE Table 1C (AED billion)CBUAE Table 1C (AED thousand)UAE.Stat DF_PRE_TYPE (AED million)
201329.529,503,92429,503.92
201433.5333,533,82733,533.83
201536.9536,953,71136,953.71
201640.0140,009,15140,009.15
201744.8244,824,22844,824.23
201843.7243,718,43343,718.43
201944.0244,020,81444,020.81
202042.542,496,79242,496.79
202144.3244,317,02944,317.03
202247.2547,246,44547,246.45
202353.3853,377,84353,377.84
202465.1165,110,76965,105.02
202574.8474,840,586UNKNOWN

2024 gross written premium in UAE.Stat and CBUAE Table 1C

3 rows, 5 columns. Both sides as published to three decimals, neither adjusted. By arithmetic, the row labelled property and liability includes health in both sources. The sources do not state the cause of the difference.

Table 5.2024 gross written premium in UAE.Stat and CBUAE Table 1C
RowUAE.Stat DF_PRE_TYPE (AED million)CBUAE workbook Table 1C (AED million)CBUAE workbook Table 1C (AED thousand)CBUAE less UAE.Stat (AED million)
Total65,105.0265,110.7765,110,7695.75
Property and liability, includes health54,063.7254,068.754,068,7034.99
Insurance of persons and fund accumulation11,041.311,042.0711,042,0660.77

Motor and health by policy type, gross of reinsurance, 2025

6 rows, 6 columns. Tables 18 and 19. The loss ratio here is losses incurred over earned premium.

Table 6.Motor and health by policy type, gross of reinsurance, 2025
Policy typeEarned premium (AED thousand)Losses incurred (AED thousand)Loss ratio (%)Combined ratio (%)Profit or loss (AED thousand)
Commercial motor1,609,9751,395,00086.6110-161,507
Personal motor, third party liability1,696,0341,567,27992.4124.6-417,441
Personal motor, comprehensive5,848,9743,634,01662.188.9647,443
Health, group32,783,22826,317,05180.393.72,058,160
Health, individual1,482,264985,58566.592.1117,354
Personal accident529,534128,26224.257227,599

Average GWP per policy and policy counts by class. Not a price

6 rows, 10 columns. 2021 to 2024 from FCSC Table 1.03.01, average as FCSC publishes it, policy counts rounded to whole numbers here. 2025 from CBUAE Table 7. Each average mixes personal and corporate policies.

Table 7.Average GWP per policy and policy counts by class. Not a price
ClassAverage GWP 2021 (AED)Average GWP 2022 (AED)Average GWP 2023 (AED)Average GWP 2024 (AED)Average GWP 2025 (AED)Policies 2022Policies 2023Policies 2024Policies 2025
Fire14,277.918,436.522,906.728,592.630,905233,414197,743218,002222,849
Marine and aviation5,849.96,824.58,140.48,8858,933266,590272,198260,842252,826
Motor and transportation1,305.7979.81,213.91,506.31,7974,857,0394,849,4905,345,4885,607,083
Engineering, construction and energy42,04249,26549,34257,244.953,25465,41567,22571,66680,446
Other1,671.11,513.2564.3636.28272,453,5628,546,9828,784,0677,867,024
Health9,017.613,855.218,407.813,921.812,8441,569,2271,406,8532,249,5412,835,855

Sources

1Central Bank of the UAE, Annual Statistical Report for the Insurance Sector of the U.A.E. 2025, Data year 2025, PDF created August 2026. Sections 2, 3.1 to 3.4, 3.9, 3.10; Tables 1A, 1C, 2A, 4A, 7, 8, 12A, 14A, 16A, 18, 19; glossary. Last checked 4 Nov 2026. Source document: Annual Statistical Report for the Insurance Sector of the U.A.E. 2025

2Federal Competitiveness and Statistics Centre, Insurance Indicators, 2021-2024, Metadata dated 19 August 2025, reference period 2024. Tables 1.03.01, 1.03.02 and metadata. Last checked 4 Nov 2026. Source document: Insurance Indicators, 2021-2024

3Federal Competitiveness and Statistics Centre, UAE.Stat dataflow FCSA:DF_PRE_TYPE 1.6.0, 1.6.0. Last checked 4 Nov 2026. Source document: UAE.Stat dataflow FCSA:DF_PRE_TYPE 1.6.0

4Central Bank of the UAE, The UAE Annual Statistical Report for the Insurance Sector 2025, workbook. Table 1C. Last checked 4 Nov 2026. Source document: The UAE Annual Statistical Report for the Insurance Sector 2025, workbook

5Central Bank of the UAE, Central Bank of the UAE Annual Report 2024. Section 6; insurance Table 7. Last checked 4 Nov 2026. Source document: Central Bank of the UAE Annual Report 2024

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10 Feb 2027
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