Watania Takaful is a trusted provider in the UAE, known for providing reliable coverage and high-quality service to vehicle owners in the region. If you are looking for comprehensive insurance coverage, Watania Takaful car insurance is certainly one of the best choices.
Understanding the insurance claim process is vital for policyholders as it ensures a seamless resolution in the event of unforeseen accidents or damages. Obtaining a police report, submitting the necessary documentation, and being aware of the Watania Takaful car insurance claim process is crucial for a swift and efficient resolution of any car-related issues.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
Claim Process of Watania Takaful Car Insurance in UAE
It is crucial to be aware of the Watania Takaful car insurance claim process in detail. You must carefully carry out the claim process as even a minor error can lead to claim rejection.
For your reference, we have covered all the steps to filing your car insurance claim properly -
Step1- The primary step is to inform the police about the entire incident in order to obtain a police report.
Step2- Have your car towed to one of the car repair stations approved by your insurance provider.
Step3- Contact your car insurance provider and accurately tell them about the situation.
Step4- Download the claim form and fill it out accurately.
Step5- Attach all the required documents and send them to the insurer along with the duly filled form via email.
Step6- The repairer will analyse the damages sustained by your car and draft an estimation for car repair.
Step7- The invoice will be further sent to your insurance company for review.
Step8- The respective authority will analyse the invoice and give final approval.
Step9- You will receive a notification regarding the expected repair duration.
Step10- Once your car gets repaired, the respective officials will notify you.
Step11- Collect your car and complete the required documentation if required.
List of Documents Required During Watania Takaful Claim Settlement
To carry out the Watania Takaful claim settlement process, it is necessary to submit a few documents -
Copy of the police report
Copy of the vehicle registration (both sides)
Driving licence copy of the individual who was driving the vehicle at the time of the accident (both sides)
Copy of the Emirates ID of the person driving the vehicle at the time of the accident (both sides)
How to File a Watania Takaful Car Insurance Claim?
There are multiple channels through which you can inform your provider and make a claim with your car insurance -
Via Online Means - Directly visit the website and download the claim form from the insurance claim section. You can then submit all the documents to the insurance provider through email.
Via WhatsApp - If you have subscribed to the WhatsApp service of Watania Takaful, you can conveniently check your insurance claim status through the platform.
Via Email - You can also write an email to your insurance provider regarding the insurance claim settlement. In this case, you will be required to attach and upload all the documents along with the filled-out form before sending the mail.
Via Call - Dial 8009282642 and have a word with one of the representatives of Watania Takaful to claim your car insurance.
Common Watania Takaful Car Insurance Claim Rejection Reasons
Car insurance, as mentioned earlier, is a vital safety net for vehicle owners as it offers financial protection in the event of unforeseen accidents or damages.
At the same time, it's crucial for policyholders to adhere to the terms and conditions of their insurance policies. Any errors in details or compliance with the said terms can lead to the rejection of car insurance claims.
Let’s take a look at the 5 most common reasons why car insurance claims may be denied -
Mismatch of Car Specification
Inaccurate Information: Providing incorrect or incomplete information about your vehicle during the insurance application process can lead to claim rejection. This includes details like the make, model, and year of manufacture.
Modifications: If you have made aftermarket modifications to your vehicle and failed to inform your insurance provider, any damages or losses related to these changes might not be covered.
Usage Discrepancies: A mismatch between the stated usage of the vehicle (such as personal use or business use) and the actual usage at the time of the incident can result in claim denial.
Exaggerated Losses: Filing a claim for damages that are intentionally exaggerated can lead to the rejection of your entire claim.
Staged Accidents: Deliberately causing an accident or collaborating with others to stage one is considered insurance fraud and can result in claim denial, legal action, and policy cancellation.
Lapse in Premium Payment: If your car insurance policy lapses due to non-payment of premiums, you are effectively driving without coverage. Any accidents or damages that occur during this period will not be covered.
Renewal Delays: Failing to renew your policy on time can result in a gap in coverage. Any incidents that take place during this gap may not be covered.
Driving with an Invalid Licence
Suspension: If your driving licence is suspended or revoked at the time of the accident, your insurance claim may be rejected. Insurance policies typically require policyholders to have a valid and active driver's licence.
Inexperienced Drivers: Allowing an inexperienced or unlicensed driver to operate your vehicle can also lead to claim denial if an accident occurs.
Driving Under the Influence of Alcohol
Legal Violation: Driving a vehicle under the influence of alcohol or drugs is not only a criminal offence but also a clear violation of insurance policy terms. In such cases, insurance providers can reject your claims.
Increased Risk: It’s worth noting that driving impaired significantly increases the risk of accidents. Insurance companies can deny claims if policyholders engage in such reckless behaviour.
How to Check Watania Takaful Claim Status?
To keep track of your Watania Takaful car insurance claim status, you can get in touch with the concerned authorities of your car repair station. If you have any further queries, you can connect with the company by dialling 800 – WATANIA (9282642).
Note that if you have your own repairer, you can contact them directly as the insurance provider will not be responsible for the same.
Watania Takaful Car Insurance Contact Details
If you have any queries regarding the Watania Takaful car insurance claim process, you can connect with the provider’s respective officials by using the following contact numbers -
8009282642 (for calling)
+9718009282642 (For WhatsApp communication)
These contact numbers remain active from 8 am to 7 pm on all days.
Let’s now see what residents of the UAE have to ask regarding the Watania Takaful car insurance claim process!
Know More About Top Car Insurance Companies Claim Process