Policybazaar Insurance

Watanic Takaful Car Insurance

Watania Takaful car insurance stands out for its key strengths like fast approvals, and affordable premiums. This makes it a popular choice for many drivers in the UAE. Its plans focus on practical needs, offering agency repair for new cars, wide garage access for older cars, roadside help for ...read more emergencies, and simple third-party cover for legal compliance.

floating banner
We Are Rated

4.6/5

31857

google-logoReviews
35+

Insurance Partners

1.5 Million+

Trusted Customers

750 K+

Policies Sold

next-icon
Get 12 Free Car Washes on Car Insurance
Search Your Car's brand

Watania Takaful Car Insurance — At a Glance

The given table provides the main details of Watania Takaful car insurance at one place — 

Parameters Details
Insurer Name  Watania Takaful Car Insurance
Founded In 2011 - the public company National Takaful Company (Watania) PJSC was founded on 12 July 2011
Headquarters or Location The Galleries, Building 2, Level 13, Downtown Jebel Ali, Dubai, UAE.
Type of Plans Offered
  • Comprehensive Car Insurance
  • Third-Party Liability Insurance (TPL)
Car Insurance Policy Duration 12 Months (1 Month Grace Period)
Roadside Assistance Yes  - 24x7/ GCC/ UAE
Manage Policy Online Yes

Types of Watania Takaful Car Insurance Plans

With Watania Takaful, you’ll usually find plans that cover basic legal needs as well as plans that offer full protection for your car —

Watania Takaful Comprehensive Car Insurance

This is the plan most people choose when they want broader protection. It covers damage to your own car plus third-party liabilities. You can often add extra benefits like Oman cover, off-road protection, or personal accident cover.

Watania Takaful Third-Party Liability Insurance

This is the minimum cover required by UAE law. It covers damage you cause to someone else’s car or property, but it does not cover damage to your own vehicle.

Compare your car Insurane

Watania Takaful Car Insurance Plans

The table below lists all the Watania Takaful car insurance plans along with their key details — 

Plan Name Plan Type (Comprehensive / TPL) Third-Party Damage Limit
Watania Comprehensive Comprehensive (full cover) AED 2,000,000
Watania Third-Party (TPL / Liability) Third-Party Liability (minimum / mandatory) AED 2,000,000

Disclaimer - The details in the table are for reference only. Actual benefits, premiums, and coverage limits can change based on your car’s make, model, age, condition, and selected add-ons. Insurers may also update their plan structures or pricing from time to time. For accurate information, always check the final plan details shared during the quote or policy issuance stage.

What Do You Get with Watania Takaful Car Insurance?

Here’s what your policy from watania takaful can do for you in everyday situations — 

  1. When your car suddenly stops in the middle of the road: You get roadside help like towing, jump-start, tyre change, or fuel assistance — depending on what your plan includes. No calling random garages and bargaining on the road.
  2. When someone bumps into your car in a parking lot: Your comprehensive plan can cover the repair cost, whether it’s a dented door or a cracked bumper. 
  3. When your car is new and you’re picky about who touches it: If the plan includes agency repair, your car goes straight to the authorised dealer — no compromise on parts or workmanship.
  4. When a storm or heavy rain damages your vehicle: If your watania takaful plan includes natural calamity cover, the insurer handles repairs for floodwater damage, fallen objects, and weather-related incidents.
  5. When your windscreen gets chipped by flying stones: Most plans offer windscreen cover, so you don’t have to pay out of pocket for a crack that appears out of nowhere.
  6. When you just need a simple plan for an older car: Third-party options help you stay legal at the lowest cost.

Why Should You Buy Watania Takaful Car Insurance from Policybazaarinsurance.ae?

When you choose a car insurance plan, you’re not just looking for coverage — you’re looking for convenience, savings, and real support. Buying watania takaful car insurance directly gives you protection; buying it through Policybazaarinsurance.ae gives you protection plus everyday advantages that quietly save your time, money, and energy without any extra cost.

Here’s what makes watania takaful + Policybazaarinsurance.ae the smarter combination* —

  • Your watania car insurance policy becomes a value pack — you get insurance + year-long car care benefits that you get only from us!
  • Everyday savings built into your plan — 12 FREE eco-exterior car washes across Dubai & Abu Dhabi keep your car clean without spending a dirham.
  • The financial impact of an accident feels lighter — PB UAE’s exclusive excess refund gives you up to AED 1,000 back on your claim excess, significantly reducing your out-of-pocket costs.
  • Repairs become cheaper, not stressful — enjoy discounts on servicing, diagnostics, AC work, car detailing, mobile service, and more — real savings, no hidden terms.
  • EV drivers get their own advantage lane — discounted charger installation, reduced EV charging rates, emergency EV support, and first-charge benefits make Watania Takaful EV coverage even stronger.
  • Your car gets premium treatment without premium prices — access deals on brake pad replacements, oil service, car cleaning packages, and annual maintenance.
  • Watania Takaful coverage becomes clearer with comparison — view all benefits side-by-side with other insurers and pick the plan that actually fits your budget and driving needs.
  • You get instant policy issuance, no waiting — digital documents arrive within minutes so you can renew, register, or drive without delay.
  • End-to-end claim guidance is included — you’re supported at every stage: filing, documentation, approvals, and garage updates.
  • You save more every month without doing anything extra — PB Advantage quietly adds discounts on dining, travel, and lifestyle worth up to AED 5,000+ a year.

*T&Cs apply

Compare your car Insurane

Watania Takaful Car Insurance – What’s Covered & What’s Not Covered?

Before you pick a plan, here’s a clear snapshot of what Watania Takaful car insurance protects and where the limits are.

Category Covered by Watania Takaful Insurance Not Covered by Watania Takaful Insurance
Accidents & Damage Damage from road accidents, collisions, fire, theft, vandalism, or external impact under comprehensive plans Damage caused intentionally or during illegal activities (racing, drifting, stunt driving)
Glass & Windscreen Repairs or replacement for cracked or broken windscreen/glass panels Cosmetic cracks, scratches, or issues due to normal wear and tear
Fire, Theft & Break-In Protection if the car is stolen, damaged in theft attempts or affected by fire Theft due to negligence, such as leaving the car running with keys inside
Personal Accident Cover Financial cover for driver/passengers (based on plan limits) Injuries that happen outside the vehicle or without a valid insurance extension
Geographical Coverage UAE-only or UAE + Oman/GCC (depending on your plan selection) Any damage outside your selected region (e.g., driving in Oman without GCC/Oman extension)
Vehicle Condition Factory-fitted parts, declared accessories, and standard equipment Undeclared modifications, performance upgrades, or non-approved aftermarket parts
Mechanical Issues Accident-related mechanical repairs under comprehensive cover Engine failure, gearbox issues, worn brakes, rust, or natural wear and tear
Driving Behaviour Normal, legal driving under UAE traffic rules Accidents caused under the influence of alcohol or drugs

Documents Required for Watania Takaful Car Insurance

To get a Watania Takaful car insurance policy issued, you only need a few basic documents. These help the insurer confirm your identity, your car details, and your driving history, so your policy can be created without delays.

  • For UAE Residents

  • For New Cars

  • For Financed Cars

  • Optional Documents (If Applicable)

  • Emirates ID
  • Driving Licence
  • Passport & Visa Page (For Expats Only)
  • Vehicle Registration (Mulkiya): Required for renewals — for brand-new cars, you can provide a car purchase invoice or chassis number
  • Previous Insurance Details
  • Car Purchase Invoice
  • Chassis Number (VIN)
  • Dealer Delivery Note (if available)

If your car is financed through a bank, you may also need:

  1. Bank Letter (If Required by Lender): Some banks request a copy of your insurance policy for their file

These apply only to certain vehicles —

  • Modification/Accessory List for custom parts
  • GCC Specification Proof if the car was imported
  • Transfer Documents for ownership change

Frequently Asked Questions (FAQs)

  • General Questions
  • Coverage & Add-On Benefits
  • Claims & Accident Situations
  • Policy Management & Renewals
Can I transfer my No-Claim Discount (NCD) to Watania Takaful Car Insurance?
Yes. If you provide your previous No-Claim Discount certificate, Watania Takaful Car Insurance usually accepts and matches the discount based on your driving history. The final percentage depends on how many claim-free years you have.
Does Watania Takaful Car Insurance accept cars with existing dents or minor damage?
Yes, small scratches or dents are generally fine. But if your car has major damage, Watania Takaful Car Insurance may request a pre-inspection before issuing the policy.
Is my car covered under Watania Takaful Car Insurance car insurance if someone else is driving it?
Yes, as long as the other driver has a valid UAE driving licence and meets Watania Takaful Car Insurance’s age and driving experience rules.
How fast can I get my Watania Takaful Car Insurance car insurance policy issued?
Most Watania Takaful Car Insurance car insurance policies are issued within minutes after you submit your documents and complete payment.
Can I pause or freeze my watania takaful Car Insurance car insurance policy?
No. UAE motor policies run for a fixed 12-month period and cannot be paused, frozen or put on hold.
Does Watania Takaful Car Insurance cover flood or rainwater damage?
Yes, if your plan includes Natural Calamity Cover. Without this add-on, flood or storm damage is not covered.
Does watania takaful motor insurance policy offer a replacement car during repairs?
Only selected comprehensive plans include a replacement car / rent-a-car option. Basic plans usually don’t include this unless you add it separately.
Does Watania Takaful car insurance cover off-road driving automatically?
No. You must add Off-Road Cover as an add-on for protection on sand or rocky terrain.
Are aftermarket accessories covered under Watania Takaful car insurance?
Only factory-fitted or declared accessories are covered. Undeclared modifications are excluded from claims.
Does Watania Takaful car insurance offer GCC or Oman travel cover?
Yes, if you add the Oman/GCC Extension. Without this, your coverage applies only within the UAE.
Does Watania Takaful car insurance cover damage from falling objects or animals?
Yes, if your plan includes comprehensive cover or natural calamity cover. Falling branches, road debris, or animal damage may be covered based on policy terms.
Is window tinting covered under Watania Takaful car insurance?
Only RTA-approved tint or manufacturer tint is covered. Darker or unapproved tints are not covered unless pre-declared.
What happens if Watania Takaful Car Insurance declares my car a total loss?
If the repair cost is higher than the car’s value, Watania Takaful Car Insurance may consider it a total loss. In this case, it can compensate you based on the agreed value or market value stated in your policy.
Will my premium increase if I file a claim with Watania Takaful Car Insurance?
Yes, a claim may reduce or remove your No-Claim Discount. Some plans offer an NCD Protection add-on to keep your discount intact.
How does Watania Takaful Car Insurance handle hit-and-run cases?
If you have a police report and comprehensive coverage, Watania Takaful Car Insurance usually processes the claim even if the other driver cannot be identified.
Are repairs covered if the accident happens in a different emirate?
Yes. Watania Takaful Car Insurance car insurance covers repairs anywhere in the UAE as long as you use an approved garage from their network.
How does Watania Takaful Car Insurance calculate my car value at renewal?
Watania Takaful Car Insurance applies a depreciation percentage based on the age, make, and model of your car. This updated value is used to set your new premium.
Does Watania Takaful Car Insurance allow car insurance policy transfer to a new owner?
Some insurers do. If you share the new owner’s documents, Watania Takaful Car Insurance may approve a transfer depending on internal rules.
Does Watania Takaful Car Insurance allow renewal if my car has a bank loan?
Yes. For financed cars, Watania Takaful Car Insurance usually requires comprehensive coverage until the loan is paid off.
What happens if I change my plate number or vehicle registration?
Just send your updated Mulkiya. Watania Takaful Car Insurance will update your current policy without needing a new one.

More From Car Insurance

  • Recents Articles