Watania Takaful Car Insurance

Watania Takaful car insurance is one of the most well-reputed insurance providers in the UAE. The company is known for providing different types of insurance. They’re known for their expertise and high-quality services all over the Emirates. With almost 16 years of experience in this industry, the company has passed its tests and proved that it can handle hassles like no other.

 Watania Takaful Car Insurance Overview

Watania Takaful Insurance (DFM: WATANIA), Dubai's leading Sharia-compliant auto insurer, delivers ethical coverage aligned with Islamic finance principles. Established in 2008 and strengthened by mergers with Dar Al Takaful (2020) and National Takaful (2022), it serves 500,000+ UAE policyholders with AM Best "A-" rated financial stability. Key highlights:

• Market Position: Top 3 MENA Takaful provider with 17% market share in Dubai .

• Digital Innovation: Purchase Watania Takaful Car Insurance in <4 minutes via LookInsure with Tabby/Tamara installments (4-12 payments).

• Claims Excellence: 95% settlement rate and 24-hour minor claim approvals.

• Unique Offerings: Child seat replacement, valet parking protection, and theft replacement for new vehicles.

• Regulatory Compliance: Fully licensed by UAE Central Bank and Dubai Financial Services Authority (DFSA).

Types of Watania Takaful Car Insurance in Dubai

Watania Takaful car insurance offers both standard car insurance policies in the UAE:

Comprehensive Car Insurance

Comprehensive car insurance provides the highest level of coverage among standard policies. This policy provides coverage for the policyholder and third-party damages. It takes care of damage caused by non-collision accidents such as theft, vandalism, natural disasters, and personal injury protection.

Third-Party Liability Car Insurance

Third-party car insurance offers the lowest level of coverage that is mandatory in the Emirates. It only takes care of third-party liabilities such as bodily injury and property damage.

Let’s take a look at the key difference between these two coverages:

Benefits of Watania Takaful Car Insurance

Let’s take a look at just a few features and benefits of Watania Takaful car insurance policies:

• 24/7 roadside assistance
• No claims bonus
• Windscreen damage coverage
• Personal garage repairs
• Car replacement for comprehensive policyholders in case of theft
• Emergency medical coverage
• Personal injury coverage
• Valet parking
• Fire and theft coverage
• Child car seat replacement coverage
• Ambulance service coverage
• 4x4 car insurance

These are just a few inclusions for Watania Comprehensive Car Insurance Plan that so many other insurers don’t provide in their policies.

What Is Covered Under Watania Takaful Motor Insurance Plans?

1. Accident Repairs:

   • Agency repairs at 50+ manufacturer-certified garages (e.g., Al Futtaim Honda) with 3-year warranty .

   • OEM parts guarantee for vehicles ≤5 years old.

2. Natural Disasters:

   • Sandstorm engine decompression services.

   • Flood-related electronics damage (up to AED 15,000).

3. Theft Protection:

   • New vehicle replacement if stolen within 6 months of purchase.

   • Forensic investigation support.

4. Medical Protection:

   • Driver injury: AED 200,000

   • Passenger injuries: AED 100,000 per person .

   • Ambulance services coverage.

5. Third-Party Liabilities:

   • Property damage: AED 2,000,000

   • Bodily injury: Unlimited (court-determined) .

6. Specialized Inclusions:

   • Child car seat replacement for accident-damaged seats .

   • Valet parking protection against scratches/dents .

   • Personal belongings coverage (AED 4,000 limit) .

• Third-party bodily injury (unlimited) .

• Property damage (AED 2,000,000 cap) .

• Legal defense costs .

Add-ons for Watania Takaful Car Insurance Plans

What Is Not Covered Under Watania Takaful Car Insurance Plans?

• Risky Activities:

  • Competitive racing, dune bashing championships, or speed tests.

  • Driving under the influence (blood alcohol >0.00%).

• Maintenance Issues:

  • Mechanical/electrical failures unrelated to collisions.

  • Wear-and-tear (e.g., clutch degradation, brake pad wear).

• Unauthorized Modifications:

  • Engine swaps, suspension lifts >2", or non-factory turbo installations.

• Off-road accidents without Off-Road Takaful add-on.

• Damages outside the UAE without GCC Explorer Plus.

• Conventional interest-based financing losses.

• Damage during prohibited activities (e.g., gambling transport).

Documents Required to Buy Watania Takaful Car Insurance

Certain documents are necessary to start your Watania takaful car insurance procedure in the Emirates. Let’s take a look:

• Valid driving license
• Passport and residence visa for expatriates
• Emirates ID for UAE nationals
• Vehicle registration certificate
• Bank statements
• Confirmation letter for GCC cars

Please note that purchasing your insurance and doing the procedure through Lookinsure requires fewer documents.

How to File Watania Takaful Car Insurance Claim

Filing your Watania insurance claim is quite simple and possible through the following steps:

Step 1: Immediate Contact

This is the first and most important step after the occurrence of an accident. Most successful claims are made right after the accident has happened. Therefore, make sure you notify Watania Insurance as soon as the accident happens.

Step 2: Police Report & Proof

You'll need proof and a police report after filing a claim with your insurer. A police report is given to you after the police come to the scene, and it can work well as your proof. Taking pictures can also be helpful proof.

Step 3: Submit Your Claim

Fill out the claim form on their webpage and include your documents. Through the website, you will be able to submit your claim just by entering your information, proof of accident, and adding documentation (ID and vehicle documents).

Documents Required to Claim Watania Car Insurance in UAE

1. Police Report:

   • Original copy or digital reference number (mandatory within 24 hours of incident) .

2. Completed Claim Form:

   • Download Watania Claim Form

3. Driver's License:

   • Valid UAE license copy (front/back).

4. Vehicle Registration (Mulkiya):

   • Current registration card copy.

5. Emirates ID:

   • Front/back copy of policyholder's ID.

How to Renew Watania Takaful Motor Insurance?

To receive long-term services from your favorite insurer, you will need to renew your Watania insurance annually. In case you purchased your Watania insurance through Lookinsure, you can use our official website to renew your policy by following the steps below:

1. Log in to your Lookinsure account
2. On your panel, you will be able to witness all your previous or ongoing policies as well as notifications regarding your finished policies
3. Select the renewal option and fill out the renewal form. You can make modifications to your policy in this step as well
4. Make the payment to conclude the process

Why Buy Watania Takaful Car Insurance Policy in UAE?

1. Ethical Assurance:

   • 100% Sharia-compliant models:

     • Wakala (agency) fees instead of interest.

     • Surplus distributions to policyholders.

   • Fatwa-approved by UAE Islamic Finance Council.

2. Unmatched Value-Adds:

   • Child seat replacement – unique in UAE market.

   • Valet parking protection for luxury vehicle owners.

   • Theft replacement for cars ≤6 months old.

3. Financial Advantages:

   • Up to 30% no-claim discount + Tabby installments (0% interest).

   • AED 500 LookInsure discount for comprehensive policies.

4. Claims Superiority:

   • 24-hour approvals for damages ≤AED 20,000.

   • Priority repairs at 50+ agency garages.

5. Regional Expertise:

   • 17+ years UAE presence with localized risk adaptation:

     • Sandstorm engine protection.

     • Flash flood electronics coverage.

6. Awards & Recognition:

   • 2023 "Best Takaful Provider" (Middle East Insurance Awards).

   • ISO 9001 certified for service quality.

   • Dubai Quality Appreciation Program recipient.