FloodGuard Motor Insurance to the rescue.

Got a car that’s 3rd party insured in this unpredictable weather? You’re brave. But you don’t need to be.
Get flood coverage for any 3rd party insurance provider with FloodGuard Motor Insurance, juuust in case.

Got any questions?

Let’s chat!

If you want to know more about FloodGuard or you need a quote, just hit “Chat Now” and we’ll text you right away.
Psst! We’re closed on Saturdays and Sundays. If you left us a message after 4pm, we’ll get back to you soon.

Your lifestyle,
your choice.
Choose your package:

And here’s what you get with it:

Your hero in the rain

Protects your car from
floods – do it for future you.

Won’t leak your wallet

A price tag that makes sense. Just like you!

Saves 3rd party insured cars

Pairs well with any
insurance provider!

Lightning fast

Get it in 5 minutes.
(bye-bye hold music!)

Older cars welcome

Age is just a number.

There for you

24/7 support, no matter where you are.

Just FYI

Any 3rd party insurance?

That’s right, get flood coverage for any insurance provider.

Takes effect after 15 days

So don’t leave it to the last second!
Step 1

Step 1

Wake up on
a sunny day
(It’s never too early to get flood cover!)

Step 2

Step 2

Download our app, visit our site or simply give us a call
(Whatever floats your boat.)

Step 3

Step 3

You’re all set!

Is your car...​

Who we are

FloodGuard Motor Insurance is proudly brought to you by AFNIC (Al Fujairah National Insurance Co.), a leading insurance provider in the UAE.

Over 200,000
loyal fans

And our fanbase only
keeps growing!

47 years of trust

That’s 4 decades
– we’ve seen it all!

Always
innovating
for you

Ready to tackle
problems so
that you don’t
have to.

No. 1 in the UAE

With 40+ outlets,
we’re always
nearby!

Don’t say we
didn’t tell you so.​

Got a minute?

(or five)

Great, you made it this far!
That’s as long as it takes
to get flood coverage.

FAQs

FloodGuard motor insurance covers damages caused by floods, inundation, storms and tempests, i.e. if your car gets caught in an area of deep water caused by flooding or heavy rain.

However, if your car gets damaged for reasons aside from a storm – like getting stuck in a sand dune, beach, wadi or man-made body of water – we won’t cover it.

Absolutely! Even if your car is 3rd party insured by another insurance provider, you can still get FloodGuard from AFNIC – just as long as it’s not comprehensive insurance.

We offer two loss limits: AED 25,000 and AED 50,000. Choose the one that works best for you!

Not at all! You can get FloodGuard anytime – no matter when your 3rd party insurance policy expires.
Your car is eligible to be covered by FloodGuard if it meets the following conditions:
  • It’s private and for personal use. If you have a car under your own company, make sure that it’s for private and leisure purposes only.
  • It’s 3rd party insured by any insurance provider, not just AFNIC. If you switch to comprehensive insurance at any point before or after getting FloodGuard, we won’t cover you anymore.
  • It has 4 wheels, so a saloon, 4×4, SUV or station wagon.

If your car is a saloon, 4×4, SUV or a station wagon, we’ll cover it. We don’t cover commercial vehicles, trucks, pickups, buses, motorcycles, taxis or any vehicles used for hire or reward (even if it’s got 4 wheels).

We recommend getting FloodGuard as soon as possible, wayyy ahead of a bad
weather forecast. Your FloodGuard policy needs 15 days to take effect, so if it rains or
storms within that waiting period, you’ll only be covered from the 16th day onwards.
(Trust us, you don’t want to take the risk!)

Nope, FloodGuard only covers non-agency repair. We don’t do repairs at car dealerships or agency service centres.

Here are your options:

  1. If the market value of your car at the time of accident is 125% of the chosen Loss Limit or higher, the policy covers you for 100% of the chosen Loss Limit in the event of Total Loss. Salvage will be taken over by the company.   
  2. If the market value of your car at the time of accident is 150% of the chosen Loss Limit or higher, the policy covers you for 100% of the chosen Loss Limit in the event of Total Loss (as above). Salvage will be taken over by the company. Alternatively, in this case, you have the option to seek settlement of the claim on Cash Loss basis instead, in which case the repair cost payable shall not exceed 50% of your chosen Loss Limit. Further, you don’t need to hand over to us your car as salvage, regardless of whether the vehicle is repaired or not. 
Follow these steps as soon as the accident happens.
  1. Avoid causing more damage to your car. When trapped in waterlogged roads, do not attempt to restart the engine if it stops running.
  2. Take photos of your car at the site of the accident.
  3. Call us at 800-AFNIC (without waiting for the police report) and follow the instructions given by our representative.
  4. Tell our claims department either at 800-AFNIC, through email or over WhatsApp.
    Fujairah 050 2111506 fujclaims@fujinsco.ae 
    Dubai & Sharjah 050 2111479 dubclaims@fujinsco.ae 
    Abu Dhabi 050 2111487 abdclaims@fujinsco.ae 
    Dibba 050 2111527 dibclaims@fujinsco.ae
  5. Report the claim to your local police department along with the photos that you took. (The process of filing a claim to the police can vary depending on the emirate)
  6. Submit your police report to us within 15 days.