Al Wathba Car Insurance

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Regulated by the Government of Dubai

Choosing Al Wathba motor insurance means partnering with an AA-rated national champion dedicated to meeting the unique needs of UAE drivers. As a trusted provider of car insurance in the UAE, AWNIC offers comprehensive coverage through its physical branches across all Emirates and advanced digital platforms, ensuring convenient access to reliable protection for every road scenario.

Al Wathba Car Insurance Overview

Al Wathba National Insurance Company (AWNIC) stands as a premier UAE-based insurer with 25+ years of market expertise. Regulated by the Central Bank of the UAE, AWNIC delivers tailored motor insurance solutions combining local expertise with digital innovation. Offering comprehensive coverage for all vehicle types, from daily commuters to luxury cars and commercial fleets, Al Wathba motor insurance prioritizes customer security through streamlined claims processing and 24/7 support.

Types of Car Insurance Plans Offered by Al Wathba National Insurance

Here are the types of Al Wathba car insurance plans you can buy from us:

Insurance Plan	Key Coverage Features
Comprehensive Coverage	Accident repairs, theft, natural disasters + third-party liability + agency repairs
Third-Party Liability	Mandatory coverage for damage to others' property/vehicles
Elite Protection	Enhanced coverage for luxury/premium vehicles
Commercial Fleet	Custom solutions for business vehicles with volume discounts

Benefits and Coverage of Al Wathba car insurance

Al Wathba motor insurance stands out in the UAE market through several distinctive advantages that benefit its customers, including:

Rapid Claims: 90% settlement within 72 hours
Partner Savings: Up to AED 1,000 discounts at network garages
Digital First: Policy management via AWNIC mobile app
Multi-Vehicle Discount: 15% savings on second vehicle policies
Nationwide Support: 8 claim centers across UAE

What is Covered Under Al Wathba Motor Insurance Plans?

Al Wathba motor insurance plans offer coverage for the damages listed below:

Collision damage and rollovers
Theft, vandalism, and fire incidents
Third-party property damage/bodily injury
Natural disasters (sandstorms, floods)
Agency repairs for new vehicles

Add-ons for Al Wathba Car Insurance Plans

An Al Wathba car insurance policy can be modifid by using add-ons to make your plan more suitable for your personal needs. Here are some of the most popular options this company offer:

Agency Repair	Insured vehicle repairs can be done at the agency for up to 2 years.
Loss or Damage to the Insured Vehicle	Comprehensive coverage for accidental loss or damage to the vehicle.
Third-Party Property Damage	Protects policyholders from financial liabilities for unintentional damage to third-party property.
Third-Party Bodily Injury	Covers financial consequences from injuries caused to individuals for whom the policyholder is responsible.
Own Damage Covers up to 10 Years	Extended coverage for damages to your vehicle for up to 10 years.
Oman Cover Extension (Own Damage only)	This policy extension provides coverage for your vehicle in Oman.
Orange Card Cover – Upon Request	Optional add-on for third-party damages in the Sultanate of Oman.
Personal Accident (PA) Cover	Optional coverage offering financial assistance for medical expenses and compensation in case of accidents.
24/7 Roadside Assistance	Assistance is available 24/7 for any roadside emergencies.
Car Hire Allowance	Covers car hire costs for 7 to 10 days following a faulty accident.
Windscreen Damage	Covers repair or replacement of the insured vehicle’s windscreen at no extra cost.
Fire & Theft Cover	Coverage for the vehicle in the event of theft or damage due to fire.
Ambulance Service	Provides ambulance services in the event of an accident as necessary.

What is Not Covered Under Al Wathba Car Insurance Plans?

Not all damages are covered by Al Wathba car insurance plans. Certain things such as those listed below are never included in insurance policies, regardless of what company yoou go with.

Mechanical/electrical failures
Wear and tear depreciation
Racing or off-road damage
Deliberate damage incidents
Unlicensed driver accidents

Documents Required to Buy Al Wathba Car Insurance in Dubai, UAE

In order to buy a Al Wathba car insurance policy you will need to provide your insurer with certain documents which include:

Valid Emirates ID (copy)
Vehicle registration card (Mulkiya)
Driving license (all regular users)
Previous no-claims certificate
Vehicle inspection report (for cars >3 years)

Renew Al Wathba Insurance Plan

Each Al Wathba car insurance policy is valid for one year. After a year you will need to renew your policy. Renewal services are available through AWNIC Insurance's platforms as well as our website, which offers additional benefits and comparison opportunities. Here's our simple renewal process:

Log in to your Lookinsure account
Enter your policy number
Review and update your details if needed
Choose your preferred coverage and add-ons
Complete payment
Receive renewed policy documents immediately

How to Report Claims for Al Wathba Car Insurance?

Filing a claim with Al Wathba motor insurance consists of following a straightforward process that can be accomplished through multiple channels. You can do it online using their website or mobile application or visiting a motor claim office. Either way, the process is the same. Here's what you need to do to file an Al Wathba insurance claim:

Document the incident thoroughly.
Obtain necessary police reports (for accidents)
Inform your insurer about the accident
Submit the required documentation through one of the available channels
Track claim status online
Receive claim settlement

Documents Required to Claim Al Wathba Car Insurance in UAE

Completed AWNIC claim form
Original police report (Arabic/English)
Driver's license and registration copies
Repair estimates from authorized garage

How to Renew Car Insurance Online With Al Wathba Car Insurance

Whether you want to buy Al Wathba car insurance online or renew it, Lookinsure has your back. Renewal services are available through AWNIC Insurance's platforms and our website, which offers additional benefits and comparison opportunities. Here's our simple renewal process:

Log in to your Lookinsure account
Enter your policy number
Review and update your details if needed
Choose your preferred coverage and add-ons
Complete payment
Receive renewed policy documents immediately

Why Buy Al Wathba Car Insurance Policy in UAE?

Here what makes buying Al Wathba motor insurance a good choice for UAE drivers:

National Expertise: 25+ years UAE market leadership
Financial Strength: AA-rated balance sheet security
Agency Repair Guarantee: Manufacturer-certified workshops
VIP Claim Handling: Dedicated relationship managers
Exclusive Benefits: Free ambulance service and annual vehicle check-up

Frequently Asked Questions

Al Wathba motor insurance provides policies tailored to UAE driving conditions. Coverage includes protection against accidents, damages, and liabilities, with optional add-ons such as off-road coverage for 4x4 vehicles and extended protection for declared modifications.

Yes, Al Wathba allows customers to purchase policies online. This makes it easier to compare plans, apply discounts like the no-claim bonus, and access bilingual support in both Arabic and English.

Yes, Al Wathba car insurance policies extend coverage to Oman, making it convenient for drivers who frequently travel across the border. Similar to the flexibility offered in Methaq Car Insurance Plans, Al Wathba ensures motorists have regional protection without needing a separate policy.

Renewing an Al Wathba car insurance policy is a straightforward process. You can complete renewal online or through customer support. If you have a valid no-claim discount (NCD) certificate, you can also transfer it to your renewal with Al Wathba for up to 50% savings.

Yes, but only as an optional add-on. Standard Al Wathba car insurance policies exclude desert driving. To be covered, 4x4 owners can purchase an off-road extension at an additional 7% premium.

Like most UAE insurers, Al Wathba car insurance plans are valid for 12 months. Claims for major accidents are typically inspected within 90 minutes in urban areas, and total loss claims are settled in 5–7 working days.