Watania Takaful is a recognised takaful insurer in the United Arab Emirates (UAE), offering a range of personal and motor insurance products designed to protect drivers against loss, damage, and third-party liabilities. One key service that many motorists find especially valuable is the Watania Takaful car insurance garage list, which outlines the network of partner workshops where policyholders can get their vehicles repaired under their policy’s cashless facility.
This guide explains what a cashless garage is, why it matters for car insurance in UAE, includes a comprehensive Watania cashless garages list organised by city, and walks you through how to use this list when making a claim.
What is Watania Takaful Cashless Garage?
A cashless garage refers to a workshop that has an agreement with Watania Takaful to repair your vehicle after an insured incident without you having to pay cash upfront for covered repairs. Instead, once the repair estimate is agreed between the workshop and Watania Takaful, the insurer settles the cost directly with the garage. For many motorists, the easiest way to avoid claim stress later is to understand how car insurance works in the UAE, especially when it comes to approved repairs at centers on the Watania Takaful garages list and claim settlement rules.
However, it’s important to remember that this cashless service is only available at selected garages on the Watania cashless car insurance garage list, and acceptance of cashless repairs can depend on your policy type and approval from Watania Takaful.
Benefits of Watania Takaful Car Insurance Cashless Garages in UAE?
Taking your vehicle to a garage on the Watania Takaful garages list brings several advantages:
- Reduced upfront costs: You generally don’t need to pay for covered repairs out of your own pocket. Watania Takaful handles payment directly with the workshop.
- Assistance through the claim process: Cashless garages work closely with the insurer, addressing paperwork and communication on your behalf.
- Roadside help: Many garages on the Watania insurance garage list offer towing or can be contacted easily if your vehicle cannot be driven.
- Lower administrative hassle: With network garages familiar with insurer requirements, documentation is often simpler to manage.
- Quality repairs: Workshops on the approved list are generally vetted for reliability and standard of service.
By using a garage from the Watania cashless garages list, you streamline repairs and maximise your policy benefits.
Watania Takaful Garages List by City
Below are partner garages across the UAE that appear on the current Watania Takaful car insurance garage list. Contact details and workshop location help you find the most convenient option when you need repairs.
Watania Takaful Car Insurance Garage List in Dubai
| Garage Name | Address | Phone Number |
| Aarya Auto Repairs | Al Quoz, Dubai | 04-3417728 / 056-1199129 |
| Apex Auto | Al Quoz, Dubai | 056-1434344 |
| Carriage Auto | Al Quoz, Dubai | 04-3400770 / 056-3429948 |
| Rover Auto Centre | Al Quoz, Dubai | 04-3409096 / 055-1098309 |
| Boby Auto Garage | Rashidiya, Dubai | 04-2854897 / 052-2069431 |
| Golden Workshop Car Repairing | Rashidiya, Dubai | 04-2858346 / 056-5257845 |
| KM Garage | Rashidiya, Dubai | 04-2855099 / 055-1080928 |
Watania Takaful Garage List in Abu Dhabi
| Garage Name | Address | Phone Number |
| Aarya Auto Repairs | Mussaffa, Abu Dhabi | 02-5512175 / 050-9985869 |
| Apex Auto | Mussaffa, Abu Dhabi | 056-5040546 |
| Farooq Garage | Mussaffa, Abu Dhabi | 050-4438373 |
Watania Insurance Garage List In Sharjah
| Garage Name | Address | Phone Number |
| Samra Auto Repairing | Sharjah Industrial Area | 06-5339805 / 050-8708934 |
| RAK Arabia Services | Sharjah Industrial Area | 052-6097130 |
| Hatta Auto | Sharjah Industrial Area | 050-8183978 |
Watania Takaful Garage List in Al Ain
| Garage Name | Address | Phone Number |
| Apex Auto | Al Ain | 055-8380806 |
Watania Takaful Garage List in Ajman
| Garage Name | Address | Phone Number |
| Diamond Garage | Ajman | 055-4204420 |
Watania Takaful Garage List in Fujairah
| Garage Name | Address | Phone Number |
| Emirates Transport | Fujairah | 050-8531628 |
Watania Takaful Garage List in Ras Al Khaimah
| Garage Name | Address | Phone Number |
| RAK Arabia Services | Ras Al Khaimah | 052-6097296 |
This Watania Takaful garage list is drawn from the verified directories. Always contact the insurer or garage ahead of time to confirm network status and cashless acceptance.
How to Use the Watania Car Insurance Garage List During a Claim
Making a claim with Watania Takaful at a cashless garage generally follows a set process:
- Report the accident: Call Watania Takaful’s claims number (for example, 800 825 2385) as soon as possible after the incident.
- Provide accident details: You’ll need to submit a copy of the police report, your UAE driver’s licence, and the car’s registration (mulkiya).
- Select a network garage: Choose a workshop from the Watania Takaful garages list that is convenient for you.
- Get an estimate: The network garage will inspect your vehicle and prepare a repair estimate.
- Submit documentation: The garage and Watania Takaful will share the estimate and your documents for approval.
- Approval and repairs: Once Watania Takaful approves the estimate, repairs can begin.
- Collect your vehicle: After repairs are completed, the garage on the Watania cashless garages list will notify you when your car is ready.
Using one of the garages on the Watania cashless car insurance garage list simplifies what can otherwise be a complicated claim scenario by keeping the insurer and garage in coordinated communication on your behalf.
Cashless vs Non-Cashless Repairs at Watania Garages
Understanding the difference between cashless and non-cashless repair options at centers on the Watania insurance garage list can make a big difference when choosing how to proceed after an accident:
| Aspect | Cashless Garage Repair | Non-Cashless Repair |
| Upfront payment | No payment for covered repairs | You pay first, then claim reimbursement |
| Paperwork | Garage and insurer handle together | You manage documentation yourself |
| Claim speed | Often faster | Can take longer |
| Quality reassurance | Network standards apply | Varies by workshop |
| Out-of-pocket cost | Lower for covered items | Higher until reimbursed |
If you choose a garage outside the Watania cashless garages list, you’ll likely have to pay for repairs yourself and then file a reimbursement claim with Watania Takaful.
Important Things to Check Before Choosing a Watania Insurance Garage
If you’ve never used this service before, it’s worth learning what happens step-by-step during cashless car insurance claims in the UAE, since approval timelines and documentation can affect how quickly repairs begin.
1. Cashless Facility Confirmation
Always confirm that the garage offers the Watania cashless car insurance garage list service under your specific policy before leaving your vehicle.
2. Repair Scope
Make sure the workshop on the Watania Takaful garages list can handle the full extent of damage your vehicle has sustained, especially if structural or advanced diagnostics are needed.
3. Repair Time Estimate
Get an estimated completion time, as delays can occur when parts are ordered or if the garage on the Watania Takaful car insurance garage list is handling multiple claims.
4. Policy Terms and Deductibles
Understand your policy excess and how does car insurance deductible work and what costs you are responsible for, especially for items not covered or upgrades not included in the insurance.
5. Workmanship Guarantees
Some garages on the Watania cashless garages list offer warranties on repairs and replaced parts. Ask about these, as they can provide peace of mind.
6. Accessibility and Location
Choose a network garage that is accessible to you, commuting long distances during repairs can be inconvenient.
Frequently Answered Questions
1. Are all garages in the Watania insurance garage list cashless?
Not necessarily. While the Watania cashless car insurance garage list contains workshops approved by Watania Takaful, you should always confirm whether cashless repair is supported under your policy at the specific garage before proceeding.
2. How can I check if a garage is still part of Watania’s network?
The most reliable way is to contact Watania Takaful directly or use their official garage finder if available. Garage networks of the Watania Takaful garages list can change over time.
3. Can I use a non-network garage with Watania car insurance?
Yes, but in that case you’ll normally pay for the repairs yourself and then submit a reimbursement claim to Watania Takaful with all required invoices and documents.
4. What expenses are not covered at Watania cashless garages?
Costs at centers on the Watania insurance garage list that are not covered typically include policy excess, personal accessories, optional upgrades, and any items outside your policy’s stated terms. Review your policy schedule for specifics.
5. Do I need prior approval to use a cashless garage for repairs?
Generally, yes. Watania Takaful will review your claim documents and approval is usually required before any cashless work begins.
6. What is a cashless garage in insurance?
A cashless garage is a workshop partnered with your insurer where approved repairs are paid directly by the insurer to the garage, eliminating the need for you to pay upfront for covered repair costs.
