Al Wathba National Car Insurance

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Al Wathba National Car Insurance

Introduction to Al Wathba National Insurance Co

Founded with a vision to dominate the UAE insurance market, Al Wathba National Insurance Co established its headquarters in Abu Dhabi in 1996. The insurance company offers commercial as well as individual insurance policies. Resonating strongly with the UAE insurance buyers, policies like Al Wathba National car insurance plan instantly gained massive popularity. In addition to car insurance, Al Wathba National Insurance Co also offers home insurance, travel insurance, yacht insurance, industry-specific insurance policies and more.

Al Wathba’s focus on professional, reliable, and excellent services earned them a BBB rating by S&P global ratings. As of January 2019, Al Wathba National Insurance Co has a base capital of AED 207 million. The Al Wathba National car insurance has a massive customer base in the UAE, thanks to its excellent services and dedication to customer welfare.

Types of Al Wathba National Car Insurance Policies

The Al Wathba National car insurance policies are available for individual insurance applicants and for larger corporate applicants as well.

Individual Al Wathba National car insurance plans are divided into:

  1. Motor Loss and Damage Policy
  2. Third-party Liability Policy

As per law, it is mandatory for vehicle owners in the UAE to have motor insurance. The applicants may opt for a combination of both the above mentioned individual policies, known as the comprehensive Al Wathba National car insurance policy.

The corporate version of the Al Wathba National car insurance policy is called the Motor Fleet Policy.

Individual Al Wathba National Car Insurance Policies

The individual plans offered under Al Wathba National car insurance are as follows:

Motor Loss & Damage Policy

The motor loss & damage Al Wathba National car insurance policy is an all-inclusive plan that covers damage(s) caused to the insured vehicle. The various covers offered under this policy are:

  1. Damages caused to the vehicle due to accidental collisions, run-overs and turnovers.
  2. Damages caused due to mechanical breakdown of the vehicle.
  3. Fire and explosion damage.
  4. Loss or theft of the vehicle.
  5. Malicious acts by a third-party.
  6. Damage caused due to the transportation of the vehicle by land, water, lifts and other transport machinery.
  7. In case of an accident, the motor loss and damage Al Wathba National car insurance policy states:
    • The vehicle’s parts will be replaced or repaired to the same condition as they were in before the accident.
    • The policyholder can instead request a cash payout that matches the extent of damage to the vehicle.
    • If the vehicle is deemed to be a total loss, Al Wathba National car insurance will replace it entirely, or pay the policyholder an equal amount of cash (if requested).
  8. Replacement of any parts damaged in an accident with new parts will be done in accordance with the depreciation percentage.
  9. If the cost of repairs is greater than 50% of the car’s insured value, Al Wathba National car insurance will compensate the policyholder after a 20% deduction for depreciation.
  10. If the vehicle becomes non-operational due to damage or loss, Al Wathba National car insurance will bear the costs of transporting it to the nearest repair station.
  11. A personal accident cover extension can also be purchased for an additional premium. The personal accident extension covers bodily injury and death of the policyholder.
  12. Other riders may also be added to the motor loss and damage Al Wathba National car insurance policy for an extra premium amount.

Third-Party Liability Policy

This car insurance policy covers any bodily injury as well as any property damage caused to a third party. The policy offers the following coverage:

  1. In case of death or bodily injury of a third-party, a maximum payout of AED 200,000 per person will be covered.
  2. In case of an accident, the third-party liability Al Wathba National car insurance policy states that:
    • The third-party vehicle’s parts will be replaced or repaired to the same condition as they were in before the accident.
    • The third-party can instead request for a cash payout that matches the extent of damage to the vehicle.
    • If the third-party vehicle is deemed to be a total loss, Al Wathba National car insurance will replace it entirely, or pay the third-party an equal amount of cash (if requested).
  3. Replacement of any parts damaged in an accident with new parts will be done in accordance with the depreciation percentage.
  4. If the cost of repairs is greater than 50% of the car’s insured value, Al Wathba National car insurance will compensate the third-party as per the market value of the car, up to AED 2 million per accident.
  5. Damages to third-party property, for a maximum of AED 2 million per accident are covered.
  6. In case of an accident, payout of AED 6,770 will be provided as ambulance charges for transportation of the third-party to a hospital.
  7. The third-party liability car insurance policy also includes compensation for loss of benefits. This is only applicable for third-parties who own a private vehicle. The loss of benefits cover states:
    • No cash compensation will be provided.
    • The time period starts from the date of delivery of the damaged vehicle to a repair shop.
    • The maximum time period is ten days and the third-party is liable to receive at most AED 300 per day for conveyance.
    • A replacement vehicle may be provided to the third-party during the time the insured vehicle is being repaired.

Note-The insurance experts advise purchasing a comprehensive policy that offers enhanced benefits. Opting for the personal accident extension will further cover the policyholder’s medical expenses arising due to an accident.

Corporate Al Wathba National Car Insurance Policy

The corporate Al Wathba National car insurance policy is called Motor Fleet Insurance. It is a group policy that covers fleets of vehicles that may include either private cars or heavy goods vehicles. It is generally purchased by corporations that rely heavily on transportation for daily operations.

Corporate car insurance policy in UAE can be purchased in the following ways:

  1. As a comprehensive policy that offers loss and damage cover as well as third-party liability cover.
  2. As a standalone third-party liability policy.

Required Documents

The applicants can apply for Al Wathba National car insurance online by requesting a quote online.

 Here are documents required to complete the individual car insurance application process:

  1. Valid UAE driving license
  2. Vehicle registration card or Mulkiya (containing details about the make and model of the car).
  3. Valid ID proof may also be requested. For UAE nationals-Emirates ID and for non-UAE nationals- passport or visa copy.

Note- No Claims Certificate may entitle the applicant for an additional discount on Al Wathba National car insurance policy.

For group policies such as the motor fleet Al Wathba National car insurance policy, the company will be required to submit the following documents:

  1. Copy of vehicle registration card (Mulkiya) for every vehicle in the fleet.
  2. Copy of the corporation’s trade license.

For existing policyholder who wants to renew their Al Wathba National car insurance policy, the only previous policy document is required.

 Note- Al Wathba National car insurance policy can be renewed online.

Filing Car Insurance Claims

After an accident, it is important to remain calm and follow the steps to file the Al Wathba National car insurance claim:

  1. Contact the police and wait for them to reach the accident scene. Claims filed without a police report will not be accepted. It is mandatory by UAE law to contact the police after an
  2. Regardless of filing a claim or not, call the designated Al Wathba National car insurance agent and inform them of the accident. They will best advice on how to proceed and whether the damage is covered.

The documents required to file an Al Wathba National car insurance claim are:

  1. Police report
  2. Vehicle registration card or Mulkiya
  3. Driver’s license
  4. Duly-filled car insurance claim form

Note: Third-party liability Al Wathba National car insurance policyholder cannot file a claim if they are liable for the accident, as their vehicle is not covered under the policy.

Frequently Asked Questions

Question 1- Will my car insurance policy be valid outside the UAE?

Answer- No. The Al Wathba National car insurance policy is valid within the geographical boundaries of the UAE. For example, if you were to visit Oman, you would require the Orange Card cover, which extends the range of your policy.

Question 2- When is the best time to renew a car insurance policy?

Answer- While the UAE government offers policyholder a grace period of one month to renew their policy, insurance experts advise renewing the policy within the 12th month itself.

The policyholder who hasn’t filed a claim during the policy year is eligible for a No Claims Discount. They can ask their insurer to provide them with a No Claims Certificate and present it when they are renewing their Al Wathba National car insurance policy.

Question 3- How is my car insurance premium calculated?

Answer- A variety of factors affect your car insurance premiums. These factors include:

  1. Age
  2. How long you have been driving for
  3. Past driving history (history of accidents)
  4. How old your vehicle is
  5. Make, model and type of vehicle.
  6. Type of repairs you have opted for (agency or non-agency repairs)
  7. The deductible you have opted for
  8. Extensions and additional covers opted for

Question 4- What are deductibles and how do they affect my car insurance premium?

Answer- A deductible is the amount of money a policyholder is willing to pay out of their pocket for an accident. For example, if you opted for a deductible of AED 100 and the cost of repairs due to an accident is AED 500, you would have to pay AED 100 out of your own pocket, while Al Wathba National car insurance company would pay the remaining AED 400.

By opting for a higher deductible, you are willing to take a higher risk. As such, the premiums on your Al Wathba National car insurance would be lower.

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