Watania | Camry
TPL
Features and Benefits
Chosen by +1,500 people
Starting From
AED
622AED
155.5monthly in 4 payments
Watania Takaful car insurance (formerly Noor Takaful)
Pay in 4 months with
and
Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Watania Takaful car insurance is Sharia-compliant motor cover issued by Watania Takaful General PJSC, the insurer formerly known as Noor Takaful. If you held a Noor Takaful car insurance policy, Watania now services it.
This page covers Watania's two plans, their published cover limits, sample third-party and comprehensive prices, what to weigh up before buying, and the numbers to call for a claim. You can also compare car insurance quotes online from Watania and other UAE insurers in one place.
Insurer
Watania Takaful General PJSC
Former name
Noor Takaful
Parent group
Watania International Holding PJSC, listed on the Dubai Financial Market as WATANIA
Car plans
Comprehensive and third-party takaful
Oversight
Central Bank of the UAE, plus an internal Shari'ah Supervision Committee
Head office
The Galleries Building 2, Level 13, Downtown Jebel Ali, Dubai
Watania Takaful car insurance plans: comprehensive and third-party
Watania sells two motor takaful plans, the same two every UAE insurer offers under the Central Bank of the UAE's Unified Motor Vehicle Insurance Policy. Comprehensive car insurance repairs your own car and pays third parties. Third-party car insurance is the legal minimum and only pays for damage or injury you cause to others. Drivers renewing Noor Takaful motor insurance or Watania Takaful motor insurance choose between these same two plans.
| Cover | Comprehensive | Third-party |
|---|---|---|
| Damage to your own car | Up to the car's insured value | Not covered |
| Third-party property damage | Up to AED 2,000,000 | Up to AED 2,000,000 |
| Third-party bodily injury | As awarded by the court | As awarded by the court |
| Agency repair | Up to 3 years | Not covered |
| Emergency medical expenses | Up to AED 4,000 | Not covered |
| Personal belongings | Up to AED 4,000 | Not covered |
| Windscreen and window damage | Excess waived up to AED 3,500 | Not covered |
| New car replacement after a total loss | Cars up to 6 months old | Not covered |
| Natural disasters such as storms and floods | Covered | Not covered |
| Valet parking damage | Covered | Not covered |
| 24/7 roadside assistance | Included | Not included |
| No-claims discount | Yes | No |
Third-party property damage is covered up to AED 2,000,000 on both Watania plans.
Some comprehensive limits are tighter than they look. The AED 4,000 belongings limit won't replace a laptop and a phone, so a separate personal belongings cover is worth pricing if you carry valuables. The windscreen waiver stops at AED 3,500, which is below the cost of some sensor-equipped screens, so compare it with dedicated windscreen cover. Roadside help is bundled, but long-distance drivers should check it against a standalone roadside assistance cover.
Choose comprehensive if
Your car is financed, under 7 years old, or would cost more to repair than a year's premium.
Choose third-party if
Your car is older than 7 years or low in value, and you mainly need valid cover to renew its registration.
Watania Takaful car insurance prices
Watania third-party car insurance is estimated at AED 622 to AED 1,100 a year, while comprehensive cover started at AED 1,475 in recent Lookinsure quotes. The difference is the cost of insuring your own car on top of the legal minimum.
Third-party price estimates by vehicle category
Watania prices third-party cover by vehicle category rather than by car value, so the base price moves in bands.
| Car model | Vehicle category | Estimated base third-party price (per year) |
|---|---|---|
| Toyota Camry | Standard sedan | AED 622 – AED 750 |
| Honda Civic | Standard sedan | AED 622 – AED 750 |
| Geely Monjaro | SUV (Chinese brand) | AED 622 – AED 850 |
| Toyota RAV4 | 4WD / SUV | AED 822 – AED 950 |
| Nissan Patrol | Large 4WD / SUV | AED 822 – AED 1,100 |
The rule of thumb is simple: standard sedans start at AED 622 for Watania third-party cover, and 4WDs and SUVs start at AED 822. A large 4WD such as the Nissan Patrol sits at the top of the range, up to AED 1,100. Owners of a Civic can check live prices on our Honda car insurance page.
Comprehensive quotes by car model
Watania comprehensive car insurance started at AED 1,475 a year in recent Lookinsure quotes, and most mid-size sedans were quoted at AED 2,125.
| Car make | Model | Final quoted price (comprehensive, per year) |
|---|---|---|
| Renault | Duster | AED 1,475 |
| GMC | Acadia | AED 1,600 |
| Nissan | X-Terra | AED 1,600 |
| Renault | Koleos | AED 1,628.64 |
| Hyundai | Avante (Elantra) | AED 2,125 |
| Nissan | Altima | AED 2,125 |
| Chevrolet | Malibu | AED 2,125 |
| Ford | EcoSport | AED 2,200 |
| Toyota | Land Cruiser | AED 2,549.63 |
A car's size doesn't set its price. In these quotes, the GMC Acadia, a seven-seat SUV, came in AED 525 below the Chevrolet Malibu sedan. Watania prices each policy on the car's insured value and age and on the driver's claims history, so two cars of similar size can be far apart.
Your own premium will differ from these samples. For model-specific quotes, see our Toyota car insurance, Nissan car insurance and Hyundai car insurance pages.
Driving a Renault, Chevrolet, Ford, GMC or Geely? Start from our car insurance quotes by car make and pick your brand.
Noor Takaful is now Watania Takaful: what changed
Noor Takaful and Watania Takaful are now one insurer. Dar Al Takaful, the Dubai-listed group that bought Noor Takaful in 2020, merged with National Takaful Company (Watania) in July 2022 and renamed itself Watania International Holding in March 2023. These dates come from Watania International Holding's company profile, checked in September 2026.
| Year | What happened |
|---|---|
| 2008 | Dar Al Takaful PJSC is licensed in Dubai and starts operating on 1 September 2008 |
| 2011 | National Takaful Company (Watania) is founded in Abu Dhabi |
| 2020 | Dar Al Takaful acquires 100% of Noor Takaful |
| July 2022 | National Takaful Company (Watania) merges with Dar Al Takaful |
| March 2023 | Dar Al Takaful becomes Watania International Holding PJSC, the sole shareholder of Watania Takaful General PJSC and Watania Takaful Family PJSC |
For drivers, the practical result is simple. Noor Takaful motor policies are handled by Watania Takaful General, and renewals are issued under the Watania name. Watania Takaful Family sells the group's health and family takaful, so this page covers motor only.
Watania is not National General Insurance, whose NGI car insurance is sold under a similar-sounding Arabic name. Nor is it related to the Al Wataniya insurers in other GCC markets, which share the spelling but not the company.
Optional covers you can add
Watania offers four optional covers on its comprehensive plan, and none of them on third-party.
Oman extension
Extends cover to a single trip into Oman of up to 60 days.
Hire car
A replacement car for up to 7 days after an accident.
Personal accident
Death and injury benefits for the driver and passengers.
Off-road cover
Desert and off-road driving, excluding racing and organised events.
Personal accident is the add-on drivers skip most often and miss most after a serious crash; see how a standalone personal accident cover compares. If you take the car into the dunes, check how 4x4 car insurance handles off-road damage before relying on the add-on.
Crossing the border also needs the right paperwork, so read how to get an Oman orange card before you set off.
What Watania Takaful car insurance does not cover
Watania won't pay claims arising from any of these five situations.
Wilful unlawful acts
Damage caused while deliberately breaking the law.
Impaired driving
Driving under the influence of alcohol or drugs.
No valid licence
A driver without a valid licence for the vehicle.
Outside the covered territory
Accidents outside the UAE unless an extension, such as the Oman add-on, applies.
Wear, tear and breakdown
Mechanical or electrical faults that an accident didn't cause.
Mechanical failure is the exclusion that catches owners of older cars most often, and mechanical breakdown cover is the separate product that fills that gap.
Age limits matter as well. Watania offers comprehensive cover on cars up to 7 years old and refers older cars to its motor team for case-by-case review, and agency repair applies only during the first 3 years.
Watania Takaful car insurance review: is it worth buying?
Our verdict: Watania Takaful is a strong choice for a newer car whose owner wants Sharia-compliant cover with agency repair, and a weaker one for a car older than 7 years. Most Noor Takaful car insurance reviews still online were written before the rebrand, so read them as reviews of the same insurer under its old name.
Where it scores
Takaful structure, AED 2,000,000 property damage limit, agency repair for 3 years, and valet parking and natural-disaster cover included as standard.
What to weigh up
7-year age limit for comprehensive, AED 4,000 caps on belongings and medical costs, Oman and off-road cover sold separately, and contact details still split between old Noor and new Watania listings.
Lookinsure doesn't publish star ratings for insurers. If a Sharia-compliant structure matters most to you, compare Watania with other takaful car insurance companies. If service and price matter more, our guide to the best car insurance companies in Dubai covers the wider market.
How Watania's takaful model works
Watania runs its motor business as takaful. Participants contribute to a shared fund, Watania manages that fund for a fee under a wakala model, and claims are paid from it. An internal Shari'ah Supervision Committee oversees the company's operations under UAE Federal Law No. 6 of 2007, according to Watania International Holding's company profile, checked in September 2026.
If you chose Noor Takaful as an ethical insurance option, that Sharia structure continues under Watania. The claims process, the legal minimum cover and the Central Bank of the UAE's rules are the same as for a conventional insurer. Whether any fund surplus is shared with participants depends on the policy terms.
Watania Takaful contact number and offices
Watania Takaful's main contact number is 800 WATANIA (800 928 2642), toll-free in the UAE. If you're looking for the Noor Takaful insurance contact number, use this one: former Noor Takaful customers now call it for customer care and car insurance claims too.
Toll-free (claims and service)
800 928 2642
Motor claims WhatsApp
056 698 8915
Former Noor Takaful line
800 6667 appears on older listings; call 800 928 2642 instead
Dubai office
+971 4 427 5900
Abu Dhabi office
+971 2 613 8888
Head office address
The Galleries Building 2, Level 13, Downtown Jebel Ali, Dubai, PO Box 235353
Watania Takaful offices in Dubai and Abu Dhabi
If you're searching for Noor Takaful car insurance in Dubai, you'll now find Watania's head office in Downtown Jebel Ali. You don't need to visit it to get cover: you can buy car insurance in Dubai online and compare Watania with other insurers at the same time.
Watania also has an office in Abu Dhabi. Drivers based outside Dubai can compare car insurance in Abu Dhabi, car insurance in Al Ain or car insurance in Sharjah without leaving home.
How to make a Watania Takaful car insurance claim
Start with the police report: Watania can't open a motor claim without one. After that, the claim moves through five steps.
Step 1
Get a police report
Report the accident to the police and check that the report's details are correct.
Step 2
Report the claim
Call 800 928 2642 or submit Watania's online claim form, and note your claim reference.
Step 3
Go to the assigned garage
Watania confirms your cover and deductible, then assigns a repair garage.
Step 4
Estimate and approval
The garage sends its repair estimate, and Watania approves it or asks for more quotes.
Step 5
Repair and collection
You're told when the repair is finished; pay any deductible and collect the car.
Documents for a Watania car insurance claim
Police report
A copy of the report for the accident.
Vehicle registration
Mulkiya, front and back.
Driving licence
The licence of whoever was driving, front and back.
Emirates ID
The driver's Emirates ID, front and back.
Watania repairs cars through its approved network, so check the Watania Takaful approved garage list before arranging a tow. A deductible is charged on each claim, so it's worth knowing how the deductible works. As for how long a car insurance claim takes in the UAE, it depends mostly on how quickly the garage estimate is approved.
Buy or renew Watania Takaful car insurance on Lookinsure
Buying Watania car insurance on Lookinsure takes four steps, and you can compare it with other insurers along the way.
Step 1
Enter your details
Add your car, its value and the main driver.
Step 2
Compare quotes
See Watania's price next to other UAE insurers.
Step 3
Choose plan and add-ons
Pick comprehensive or third-party, then any optional covers.
Step 4
Pay and get your policy
Pay by card or spread the cost into four payments.
To spread the cost, choose car insurance with Tabby or Tamara car insurance at checkout and pay in four instalments.
Renew your Watania policy
If you bought your Watania policy through Lookinsure, you can renew it from your account.
Step 1
Log in
Open your Lookinsure account.
Step 2
Find the policy
Your dashboard lists current and expiring policies.
Step 3
Select renew
Review the renewal form and update cover if needed.
Step 4
Pay
Complete payment to issue the renewed policy.
Documents to buy Watania car insurance
Emirates ID
For the policyholder.
UAE driving licence
For the main driver.
Vehicle registration
Mulkiya, or the dealer's sale documents for a new car.
No-claims letter
From your previous insurer, if you want a discount.
A clean claims record lowers your renewal price, and our guide explains how the no-claims bonus is calculated. Selling the car? Read about transferring car insurance to a new owner before you cancel anything.
Compare Watania with other takaful insurers
Other Sharia-compliant options on Lookinsure:
Frequently asked questions
Noor Takaful is now Watania Takaful. Its parent, Dar Al Takaful, bought Noor Takaful in 2020, merged with National Takaful Company (Watania) in 2022 and became Watania International Holding in 2023. Watania Takaful General now services Noor Takaful car insurance policies, and renewals are issued under the Watania name.
Watania Takaful car insurance is Sharia-compliant motor cover from Watania Takaful General PJSC. It comes as comprehensive or third-party takaful, and both plans cover third-party property damage up to AED 2,000,000. Comprehensive adds repairs to your own car, agency repair for newer cars, roadside assistance and natural-disaster cover.
Watania Takaful's contact number is 800 928 2642 (800 WATANIA), toll-free in the UAE. Former Noor Takaful customers should call it for claims, renewals and customer care, because the two brands are now one insurer. Have your policy number and police report reference ready when you call about a car insurance claim.
Yes, for newer cars. Watania offers agency repair for the first three years, a AED 2,000,000 property damage limit and a Sharia-compliant structure. It suits cars older than seven years less well, because comprehensive cover for them needs case-by-case approval, and its AED 4,000 caps on belongings and medical costs are modest.
Yes. Watania's head office is in The Galleries Building 2, Level 13, Downtown Jebel Ali, Dubai. Noor Takaful car insurance customers in Dubai are served by the same company. You don't need to visit an office to buy cover, because you can compare Watania quotes and pay online through Lookinsure.
Yes. Watania works on a takaful model: participants contribute to a shared fund, Watania manages it for a fee, and claims are paid from that fund. An internal Shari'ah Supervision Committee oversees its operations, which is why many drivers see it as an ethical alternative to conventional car insurance.
Watania third-party car insurance is estimated at AED 622 to AED 1,100 a year, depending on the vehicle category. In recent Lookinsure quotes, comprehensive cover ranged from AED 1,475 for a Renault Duster to AED 2,549.63 for a Toyota Land Cruiser, and most mid-size sedans were quoted at AED 2,125.
Not automatically. Watania offers comprehensive cover on cars up to seven years old and refers older cars to its motor team for review. If comprehensive cover is declined, third-party cover is still available and meets the UAE legal minimum, so check your car's age before you compare quotes.
Experience of 50K+ customers with Lookinsure
Abu Dhabi
Sharjah
Umm Al Quwin
Dubai