Abu Dhabi National Takaful Company (ADNTC) is one of the UAE’s leading Sharia-compliant insurance providers — offering takaful (Islamic insurance) products across motor, medical, home, and life segments to individuals and businesses across the UAE. It is listed on the Abu Dhabi Securities Exchange (ADX) and regulated by the UAE Insurance Authority.
| Full Name | Abu Dhabi National Takaful Company PJSC (ADNTC) |
| Listed | Abu Dhabi Securities Exchange (ADX): ADNTC |
| Type | Islamic (Takaful) Insurance — Sharia-compliant |
| Founded | 2003 — Abu Dhabi, UAE |
| Regulator | UAE Insurance Authority / Central Bank of UAE |
| Model | Wakala (agency-based takaful) |
Who Owns Abu Dhabi National Takaful Company?
ADNTC is a publicly listed PJSC (Public Joint Stock Company) on the Abu Dhabi Securities Exchange. Ownership is distributed across its public shareholders — including Abu Dhabi institutional investors, founding Emirati business families, and retail investors. There is no single controlling private owner. The company is governed by a board of directors elected by shareholders, with an independent Sharia Supervisory Board ensuring all products remain compliant with Islamic principles. The company was established in 2003 as part of Abu Dhabi’s strategy to develop a robust Islamic financial services ecosystem alongside conventional insurance players.
ADNTC’s Takaful Products
ADNTC offers a full range of personal and commercial takaful products. Motor takaful (compulsory third-party and comprehensive) is the largest volume line, covering UAE-registered vehicles. Medical takaful provides health cover for individuals and corporate employee groups. Home and property takaful covers residential and commercial real estate. Life/family takaful offers savings-linked protection plans. All products operate under the Wakala model — ADNTC acts as wakeel (agent), managing the takaful pool on behalf of participants for a fixed management fee, with surplus returned to participants after claims.
