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600AED
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Al Wathba car insurance in the UAE
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Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Al Wathba National Insurance Company, trading as AWNIC, is an Abu Dhabi-based motor insurer founded in 1996 and regulated by the Central Bank of the UAE. Its individual motor range runs to two policies — comprehensive and third party liability — sold with agency repair, Oman cover and roadside assistance as optional extensions.
You can buy car insurance from Al Wathba alongside every other licensed insurer before you buy or renew via Lookinsure and compare prices.
What is Al Wathba car insurance?
Al Wathba car insurance is motor cover underwritten by Al Wathba National Insurance Company (AWNIC), a UAE national insurer listed on the Abu Dhabi Securities Exchange. Motor is the company's largest line of business, accounting for roughly two-thirds of its written premiums, and it is sold direct, through brokers and through comparison platforms.
Policies run for 12 months, in line with the Unified Motor Vehicle Insurance Policy that governs all UAE motor cover.
Insurer
Al Wathba National Insurance Company P.S.C. (AWNIC)
Founded
1996, Abu Dhabi. Listed on the Abu Dhabi Securities Exchange as AWNIC
Regulator
Central Bank of the UAE
Individual motor plans
Comprehensive and third party liability
Policy term
12 months
Toll-free
600 544 040 · [email protected]
Al Wathba car insurance plans compared
AWNIC car insurance is sold as two individual motor products. The choice between them is not a preference — it is a threshold. Take comprehensive car insurance if your car is financed, leased, or worth enough that you could not replace it out of pocket. Take third-party car insurance only if the car is old enough that its market value is lower than the extra premium over the policy year. If you are weighing the two, the full comprehensive vs third-party comparison sets out where the line usually falls.
| Cover | Comprehensive | Third party liability |
|---|---|---|
| Damage to the other party's vehicle or property | Included | Included |
| Third-party bodily injury | Included | Included |
| Loss or damage to your own vehicle | Included | Not covered |
| Fire and theft | Included | Not covered |
| Windscreen damage | Included | Not covered |
| Ambulance service after an accident | Included | Not covered |
| Own damage cover for vehicles up to 10 years old | Included | Not covered |
| Agency repair | Optional extension | Not available |
| Oman cover and Orange Card | Optional extension | Orange Card on request |
| Legally required to drive in the UAE | Yes | Yes |
Fleets and company-owned vehicles are written separately, under AWNIC's corporate lines rather than its individual motor range. If you are insuring more than one business vehicle, start with commercial vehicle insurance instead of an individual policy.
What Al Wathba motor insurance covers
A comprehensive Al Wathba motor insurance policy pays for damage to your own car as well as the legal liability you owe to others. Sandstorm and flood damage cover matters more in the UAE than most drivers expect — the heaviest claim seasons here follow rain, not collisions.
Collision and rollover
Accidental damage to the insured vehicle, including single-vehicle rollovers
Fire, theft and vandalism
Loss of the vehicle or damage caused by fire, attempted theft or malicious damage
Third-party liability
Property damage and bodily injury you cause to other road users
Natural perils
Sandstorms, flooding and storm damage to the insured vehicle
Windscreen
Repair or replacement of the insured vehicle's windscreen
Ambulance service
Ambulance dispatch where an accident requires it
What Al Wathba car insurance does not cover
These exclusions are standard across UAE motor policies rather than specific to Al Wathba, and they are the reason most rejected claims are rejected. Desert and off-road driving is the one that catches drivers out most often: it sits outside a standard policy, and cover has to be bought as 4x4 off-road cover before the trip, not after it.
Mechanical and electrical failure
Breakdowns that are not the result of an insured accident
Wear, tear and depreciation
Gradual deterioration and loss of the vehicle's value over time
Racing and off-road use
Competitive driving and desert driving without the off-road extension
Deliberate damage
Damage caused intentionally by the policyholder or a permitted driver
Unlicensed drivers
Any accident where the driver held no valid UAE licence for the vehicle class
Add-ons available with Al Wathba car insurance
The extensions below attach to a comprehensive policy and are priced individually, so the quote you compare should list the ones you actually intend to use. The Oman extensions are worth understanding before a border run: the standard extension covers your own vehicle only, while third-party liability in Oman requires a separate Orange Card for Oman, issued on request.
| Add-on | What it does |
|---|---|
| Agency repair | Repairs carried out at the manufacturer's authorised workshop, available for up to 2 years |
| Own damage cover up to 10 years | Extends own-damage protection to older vehicles, up to 10 years from first registration |
| Oman cover extension | Own-damage protection while the vehicle is in the Sultanate of Oman |
| Orange Card — on request | Third-party liability cover for Oman, issued separately from the own-damage extension |
| Personal accident cover | Medical expenses and compensation for the driver and passengers after an accident |
| 24/7 roadside assistance | Breakdown recovery, towing, battery boost, flat-tyre repair, fuel delivery and lock-out help |
| Car hire allowance | A replacement vehicle for 7 to 10 days following a covered accident |
| Windscreen cover | Repair or replacement of the insured windscreen without an additional charge |
| Fire and theft cover | Protection where the vehicle is stolen or damaged by fire |
| Ambulance service | Ambulance dispatch where an accident requires it |
Al Wathba insurance contact numbers, offices and working hours
The Al Wathba insurance contact number for policy service and motor claims is the same line: 600 544 040. Email reaches the same team at [email protected]. Al Wathba insurance in Abu Dhabi is run from the head office, with a second service office in Dubai — if you are shopping locally, compare that against every insurer selling car insurance in Abu Dhabi rather than assuming the branch nearest you has the best price.
Toll-free
600 544 040 — policy service and motor claims
Email
Head office
Al Wathba Tower, Mohammed Bin Butti Al Hamed St., Abu Dhabi. P.O. Box 45154
Al Wathba's service network is concentrated in Abu Dhabi and Al Ain, with one Dubai office and a traffic office at Nad Al Hamar. There is no branch in Sharjah, Ajman, Ras Al Khaimah, Umm Al Quwain or Fujairah, so drivers in the Northern Emirates deal with the company online or by phone — one reason to check what insurers selling car insurance in Sharjah and car insurance in Al Ain offer locally before committing.
| Office | Type | Working hours |
|---|---|---|
| Abu Dhabi — head office | Policy service | Mon–Thu 8:00–17:00 · Fri 8:00–12:00 · Sun 8:00–17:00 · Sat closed |
| Dubai office | Policy service | Mon–Thu 8:00–14:00 · Fri 8:00–11:00 · Sat and Sun closed |
| Abu Dhabi motor claims | Claims | Mon–Thu 8:00–14:00 · Fri 8:00–11:00 · Sat and Sun closed |
| Al Ain motor claims | Claims | Mon–Thu 8:00–14:00 · Fri 8:00–11:00 · Sat and Sun closed |
| Musaffah | Traffic office | Mon–Thu 8:00–21:00 · Fri 14:00–20:00 · Sun 9:00–18:00 · Sat closed |
| Abu Dhabi traffic | Traffic office | Mon–Thu 8:00–21:00 · Fri 8:00–12:00 and 16:00–20:00 · Sun 9:00–18:00 |
| Mahawi | Traffic office | Mon–Thu 8:00–20:00 · Fri 8:00–12:00 and 16:00–20:00 · Sun 8:00–17:00 |
| Shamkha | Traffic office | Mon–Thu 8:00–20:00 · Fri 8:00–12:00 and 16:00–20:00 · Sun 9:00–18:00 |
| Al Ain — Bateen | Traffic office | Mon–Thu 8:00–19:00 · Fri 8:00–12:00 and 14:00–18:00 · Sun 9:00–18:00 |
| Al Ain — Falaj Hazza' | Traffic office | Mon–Thu 8:00–20:00 · Fri 8:00–12:00 and 16:00–20:00 · Sun 9:00–18:00 |
| Shamil Nad Al Hamar, Dubai | Traffic office | Mon–Thu 9:00–20:00 · Fri 8:00–12:00 and 15:00–21:00 · Sat 9:00–18:00 |
How to make an Al Wathba insurance claim
Report the accident to Al Wathba as soon as you have the police report — late notification is one of the most common reasons a UAE motor claim is refused. The process is the same whether you file through the AWNIC website, the mobile app or a motor claims office, and you can follow the general how to claim car insurance in the UAE guide for the steps that apply to every insurer. It is also worth knowing why car insurance claims get rejected before you file.
Step 1
Get the police report
Call the police from the scene and collect the report. No UAE motor claim proceeds without it.
Step 2
Notify Al Wathba
Call 600 544 040 or report the claim online through the AWNIC claims portal or mobile app.
Step 3
Submit your documents
Upload the claim form and supporting copies, or hand them in at a motor claims office.
Step 4
Vehicle inspection
The vehicle is assessed and the repair estimate is sent to Al Wathba for approval.
Step 5
Track the claim
Follow the claim status online using your policy number.
Step 6
Repair or settlement
Collect the repaired vehicle from the approved garage, or receive the settlement.
Documents you need
Two document sets matter: one to buy or renew the policy, and one to claim on it. The buying set is standard across UAE insurers, and the full list of documents required for car insurance applies to Al Wathba as it does to any licensed provider.
To buy or renew
Valid Emirates ID, vehicle registration card (Mulkiya) and the driving licence of every regular driver
To claim a discount
A no-claims certificate from your previous insurer, plus an inspection report for vehicles over 3 years old
To file a claim
Completed AWNIC claim form, original police report, and copies of the licence and registration of the driver involved
Al Wathba's approved garage network and agency repair
Al Wathba runs a premium garage network organised by emirate, covering Abu Dhabi, Al Ain, Dubai, Sharjah, Ras Al Khaimah, Ajman and Fujairah — a wider repair footprint than its branch footprint, which matters if you live outside Abu Dhabi. Repairs at a network garage are handled directly between the garage and the insurer. Agency repair is the separate, paid extension: it sends the car to the manufacturer's own workshop instead, and is available for up to 2 years. If you are comparing repair networks across insurers, the UAE insurance garage lists set them out side by side.
Al Wathba insurance renewal: how to renew online
An Al Wathba policy runs for 12 months and lapses on its expiry date, which leaves the vehicle illegal to drive and the registration impossible to renew. You can renew directly with AWNIC, or renew through Lookinsure and see what the rest of the market quotes for the same vehicle in the same step. Carry your no-claims bonus across when you switch — it survives a change of insurer, and forgetting to claim it is the most expensive thing you can do at renewal. If the premium lands awkwardly, you can also pay in four with Tabby.
Step 1
Enter your vehicle details
Sign in to your Lookinsure account and enter the policy or vehicle details.
Step 2
Compare the quotes
Check the Al Wathba renewal price against the other insurers quoting on the same car.
Step 3
Choose cover and add-ons
Select comprehensive or third party, then add agency repair or Oman cover if you need them.
Step 4
Apply your no-claims discount
Upload the no-claims certificate from your previous insurer before you pay.
Step 5
Pay and receive the policy
Complete payment and the renewed policy documents are issued immediately by email.
Should you choose Al Wathba car insurance?
Choose Al Wathba if you drive in Abu Dhabi or Al Ain and want an insurer with claims offices you can physically walk into — that is where its network is genuinely strong, and walk-in claims handling is worth real money when something goes wrong. Look elsewhere if you are in the Northern Emirates and expect branch service, because there isn't any. The price question is separate from the service one: run the vehicle through the UAE car insurance providers comparison before renewing, because a national insurer's renewal quote is not automatically the cheapest one on the same car.
Al Wathba suits you if
You are based in Abu Dhabi or Al Ain, want walk-in claims offices, and value a wide approved garage network across all seven emirates.
Look elsewhere if
You live in the Northern Emirates and want branch service, or you are buying on price alone without comparing the market first.
Frequently asked questions
Call 600 544 040 or email [email protected]. The same toll-free number handles motor claims and policy queries. Al Wathba's head office is Al Wathba Tower on Mohammed Bin Butti Al Hamed Street in Abu Dhabi, open Monday to Thursday from 8am to 5pm and Friday morning until noon.
Report it to Al Wathba as soon as you have the police report. File online through the AWNIC claims portal or mobile app, or in person at the motor claims office in Abu Dhabi or Al Ain. Call 600 544 040 to start the claim.
Yes, online. Al Wathba policies run for 12 months and can be renewed through the AWNIC website or app, or through Lookinsure, where you can compare the renewal quote against other UAE insurers before you commit. Renewing through a comparison keeps your no-claims discount intact.
Al Wathba's head office is in Abu Dhabi, with a second office in Dubai and seven traffic offices across Abu Dhabi, Al Ain and Dubai. Motor claims are handled at dedicated claims offices in Abu Dhabi and Al Ain. No Sharjah, Ajman, Ras Al Khaimah or Fujairah branch is listed.
Al Wathba National Insurance Company, known as AWNIC, is an Abu Dhabi insurer founded in 1996 and listed on the Abu Dhabi Securities Exchange. It is regulated by the Central Bank of the UAE. Motor cover is its largest line, accounting for about two-thirds of its written premiums.
There is no fixed price. Al Wathba quotes each vehicle individually, and comprehensive premiums in the UAE are calculated as a percentage of the car's market value. Driver age, claims history, vehicle age, agency-repair choice and add-ons all move the figure, so compare quotes before renewing.
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