Al Wathba Car Insurance

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Al Wathba Car Insurance is a renowned auto insurance provider in the UAE, offering its impeccable insurance services at competitive prices. It covers damages or losses caused due to accident, theft or fire related accidents. It’s inclusive of your liability for personal bodily injury or property damage to the third-parties caused from the vehicle use. Al Wathba offers comprehensive as well as third-party car insurance covers to ensure you peace of mind and enhance your driving experience. Rated BBB by S&P global ratings, Al Wathba National Insurance Company has more than 20 years of experience in the UAE insurance market. It also offers additional covers and discounts for its customers. 

Types of Al Wathba Car Insurance

Al Wathba offer one insurance policy called HEMAYAH Motor Insurance with benefits of two different car insurance policies. Let’s take a look:

1. AWNIC Comprehensive Car Insurance (HEMAYAH):

As the name suggests, it’s a comprehensive vehicle insurance policy that provides coverage for you and your property in addition to third-party liability. Along with this, it covers damages caused by natural disasters, theft, and fire. You can also opt for additional covers by paying an extra premium to enhance the coverage of your basic comprehensive car insurance policy.

2. AWNIC Enhanced Third-Party Liability Car Insurance:

This Al Wathba motor Insurance policy covers damages and loss to third-party as well as his/her property. In short, this policy safeguards you from loss or damages like third-party death, bodily injury, property damage, and/or permanent injury.

Here is a table for easy comparison of benefits offered by AI Wathba Car Insurance UAE:

Coverage AWNIC Comprehensive Car Insurance (Hemayah) AWNIC Enhanced Third-Party Liability Car Insurance
Damage or loss to the insured automobile Yes No
Third-party liability bodily injury Yes Yes
Third-party liability property damage Yes Yes
24x7 accident & recovery breakdown service Yes Yes
Personal accident cover for driver Optional Optional
Personal accident cover for passengers Optional Optional
Legal liability expanded to cover insured’s family members as a third-party. Yes No
Theft & fire coverage Yes No
Riot, flood, storm, and strike cover Yes No
Personal belongings cover Yes No
Coverage of windscreen damage Yes No
Oman cover (own damage only) Yes No
Agency repairs for eligible automobiles Yes No
24x7 accident & recovery breakdown service Yes Yes
Battery boost facility Yes Yes
Facility of flat tyre Yes Yes
Facility of lock out Yes Yes
Emergency fuel service Yes Yes
Ambulance services Yes Yes

Key Features and Benefits of Al Wathba Car Insurance

There are several Al Wathba car insurance benefits and features that make this car insurance an ideal choice for all people. Let’s take a look at its key features and benefits:

  • Extensive Covers: Al Wathba auto insurance plan offers extensive covers in comprehensive as well as third-party liability policies to provide the highest level of on the road coverage.
  • Quick & hassle Free Claims: Al Wathba National Insurance Company has an amazing track record of fast claim settlements. Its simple claim filing procedure and less waiting period contribute to timely claim processing.
  • Transparent services: Al Wathba National Insurance Company ensures transparency in all its services. 
  • Value for Money: Al Wathba motor insurance plan offers comprehensive coverage at affordable premiums.
  • 24x7 Assistance: There is an active customer care support team available to you round the clock to address your queries.    

Al Wathba Car Insurance Inclusions

Let’s take a look at the inclusions’ list of Al Wathba Car Insurance:

  1. Etihad guest miles earning/redemption.
  2. Free traveller international membership
  3. Free international driving license
  4. Free privilege club membership
  5. No claim bonus discounts
  6. Free registration and renewal services
  7. Free hire/replacement car for one week
  8. Round the clock accident and recovery breakdown services

Al Wathba Car Insurance Exclusions

The AWNIC will not pay any compensation in the scenarios listed below:

  1. If the insured vehicle is involved in a speed test or race.
  2. Using insured vehicle for purposes other than those mentioned in insurance application attached to the Al Wathba Car Insurance policy.
  3. If the driver is driving under the influence of drugs, alcohol, or any narcotic substances.
  4. If the driver is driving an insured vehicle without carrying a valid driving license.

Additional Covers under Al Wathba Car Insurance

You can get access to some amazing, additional covers with just a little extra premium. Here are a few add-on covers available under Al Wathba Car Insurance UAE:

  1. Personal accident cover for driver
  2. Personal accident cover for passengers

Al Wathba Car Insurance Claim Process

The Al Wathba  claim process is simple. In case of an accident, all you need to do is follow a few simple steps listed below to file and get a claim:

  • Step 1: Report the incident to the police and get a police report.
  • Step 2: Inform Al Wathba National Insurance Company immediately by visiting the nearest AWNIC branch. The claim staff there will get your claim notice and help you to fill out a claim form based on the facts which have been reported. Later, he/she will ask you to review and sign the form. However, you can also fie a claim by calling - 600 544 040.
  • Step 3: Submit all the documents with accurate details.
  • Step 4: Once you submit all the documents, the claim settlement team of AWNIC will verify the details provided by you. Once the details are verified, the claim is settled as soon  as possible.

Frequently Asked Questions on Al Wathba Car Insurance

Q.1. Can Al Wathba National Insurance Company reject my motor insurance claim?

Ans. Yes, AWNIC might reject your claim in the following scenarios:

  • If the insurer is misled or not properly informed about the purpose of utilizing the insured vehicle.
  • If you delay in filing a claim or report after the repairs are done.
  • If the car is modified without informing the insurer.
  • If, the policyholder fails to complete all the transfer formalities to another car owner.

Q.2. What are the benefits of purchasing Al Wathba Car Insurance online?

Ans. There are many benefits of purchasing Al Wathba motor Insurance online. Let’s take a look at them:

  • Fast claim settlement without visiting the office
  • Online management
  • 24x7 claim registrations
  • Reasonable prices
  • Policy issued instantly via soft copy

Q.3. Can I avail of no claim bonus discount on Al Wathba Car Insurance UAE?

Ans. Yes, you can avail of a no claim bonus discount on this auto insurance policy for maintaining an accident free record and not filing a claim during a policy year.

Q.4. Is roadside assistance service available with Al Wathba Car Insurance Dubai?

Ans. Yes, Al Wathba motor insurance offers roadside assistance services. It is a round the clock emergency support offered in case of any mechanical or electrical breakdown or traffic accident of the insured automobile. This ensures quick and hassle-free services to the policyholder in an event of a car breakdown.

Q.5. What are the different types of Al Wathba Car Insurance Policies?

Ans. Under Al Wathba Car Insurance, you can buy a single plan called HEMAYAH Motor Insurance with benefits of two different auto insurance policies i.e. comprehensive car insurance policy and third-party liability car insurance policy. Under the same, you can enjoy the coverage on your own car as well as third-party liability.