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We’re a Trusted and Professional Insurance Company

Welcome to ATIC, your trusted provider of Takaful insurance in Djibouti. At ATIC, we offer a comprehensive range of Takaful insurance products tailored to meet your unique needs. Whether you're looking for protection for your family, your business, or your assets, we have you covered. Our Takaful solutions are designed to provide peace of mind and financial security, all while adhering to Islamic principles.
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Providing ethical and reliable Takaful insurance solutions to individuals and businesses in Djibouti.
Becoming the leading Takaful provider, trusted for our commitment to excellence and Shariah compliance.

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Amazing Takaful Insurance

is based on the concept of mutual cooperation and solidarity, where both risks and funds are shared between the insured and the insurer

is a form of co-operative insurance in compliance with Islamic Shariah, based on the concept of shared contributions and mutual cooperation between the participants to compensate one another in case of loss.

is grounded in Islamic Muamalat (Islamic transactions) products and is marketed as an Islamic alternative to conventional insurance. It operates based on strict Shariah principles, ensuring that investments and operations are in line with Islamic guidelines

Why Choose Us

We Help you to Build for Better Future

Our focus on mutual cooperation, solidarity, and adherence to Islamic principles, we offer peace of mind and protection for your personal and business needs makes us your #1 choice.

Faqs

Frequently Asked Questions!

Got a burning question about ATIC The Takaful insurance? Check out our FAQs for the answers you need!

What Is Takaful Insurance Services?
Takaful insurance is a type of Islamic insurance wherein members contribute money into a pool system to guarantee each other against loss or damage. Takaful-branded insurance is based on sharia or Islamic religious law, which explains how individuals are responsible to cooperate and protect one another. Takaful policies cover various risks, including financial protection for assets, liability, and health, and provide support for medical needs and income after retirement. Takaful operates based on the Islamic principle of Tabarru, which is a contract of self-insurance or self-guaranteeing among members of a group. This system aims to establish a social order based on universal brotherhood and is guided by the principles of improved welfare for all. Takaful is an alternative to conventional insurance and is designed to provide mutual assistance and support to participants
What is ATIC?
African Takaful Insurance Company (ATIC) is a closed Djiboutian joint-stock company headquartered in the Republic of Djibouti. It was established in 2021 and practices Islamic Takaful insurance in accordance with the Insurance Companies Establishment Act and other related acts in force in the Republic of Djibouti. The company has a paid-up capital of 200,000,000 Djiboutian Francs, which is planned to be raised to 500,000,000 Djiboutian Francs in the coming years. ATIC was founded by a group of pioneers in Islamic trade and economy with the sincere desire to complete the Islamic economy cycle and invest their money according to the provisions of the Islamic Noble Sharia, consolidating the principle of Takaful insurance as an alternative to commercial insurance.
How Does Takaful Insurance Work?
Takaful insurance provides financial protection for assets, liability, and health, covering various risks in life. It covers healthcare expenses and provides financial support for medical needs, as well as secures income after retirement, offering financial support to maintain a comfortable lifestyle in old age. Takaful insurance operates based on the Islamic principle of Tabarru, which is a contract of self-insurance or self-guaranteeing among members of a group. It aims to establish a social order based on universal brotherhood and is guided by the principles of improved welfare for all,

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What Services Do We Provide?
ATIC offers a wide range of insurance services to cater to various needs including:


1. Vehicles’ Insurance: ATIC provides both comprehensive and third-party vehicle insurance, covering physical damage to the insured vehicle and bodily and material injuries to third parties.
2. Fidelity Insurance: This covers loss of money as a result of fraud or embezzlement by an employee entrusted with the money.
3. Money Insurance: It covers the loss of cash while inside the building 24 hours a day, as well as during transportation to/from the bank and other specified locations.
4. Personal Accidents Insurance: This covers death, bodily injury, total and partial disability resulting from an accident at any time during the insurance period.
5. Marine Insurance: ATIC covers losses for all types of commercial goods resulting from sea, land, and air risks, including wars and disturbances during the transportation process.
6. Glass Breakage Insurance: This insurance covers glass panels against breakage or smash resulting from a sudden accident within the limit of the insurance amount stated in the policy.
7. Fire Insurance: It covers damages or loss to the insured property resulting from fire, lightning and explosions, earthquakes, hurricanes, floods, water pipes bursting, planes falling, vehicles crashing, riots, and disturbances.
8. Profit Loss Insurance: This covers the consequential loss that occurs to the facility as a result of work stopping due to its exposure to a danger covered by fire or machinery breakdown.
9. Travel Insurance: It covers a set of accidents such as cancellation or shortening of the flight, missing the departure flight, loss of bags during travel or their late arrival. It also includes covering emergent medical expenses, personal accidents, or third-party liability according to conditions and exclusions stated in the insurance policy.
10. Workers Insurance: It covers compensations paid by the employer to workers who are injured or died as a result of accidents caused by or occurred during work, as per the applicable laws in the country.
11. Engineering Insurance: This covers all contractor risks and their machinery and equipment, besides all installation risks, boilers and electronic equipment, in addition to insuring machinery damage and civil liability resulting from construction works.
12. Civil Liability Insurance: It covers the legal liability of the insured towards third parties as a result of bodily injury, death, or property damage due to the accidents that occur within the business of the insured.
ATIC's diverse range of insurance services ensures comprehensive coverage for various aspects of life and business.
If you have further questions about our services, feel free to reach out to us!
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ATIC offers takaful insurance solutions, ensuring their policies are in compliance with Islamic principles and values.