Watania Takaful Car Insurance Review

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Watania Takaful began its operations in 2008 and is one of the largest insurance entities in the UAE market at present. It offers Shariah-compliant products for its customers, including motor, home, travel, family, personal accident, and medical insurance. Apart from these plans, the company also offers SME/ Business insurance through marine, property, and engineering-related insurance policies.

  • Comprehensive
  • Third Party
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

In this article, we will shed light on Watania Takaful car insurance for individuals. So if you are seeking to buy car insurance with excellent coverage at attractive rates, refer to the Watania Takaful car insurance reviews below.

Watania Takaful Car Insurance Review in the UAE - An Overview

Watania Takaful offers multiple car insurance plans tailored to meet the requirements of each policy seeker. With Watania Takaful car insurance, you can get numerous coverage features at economical rates.

Those seeking to buy Watania Takaful car insurance can opt for both comprehensive and third-party liability plans.

Third-party car insurance is mandatory in the UAE. With the third-party car insurance plan of Watania Takaful, you can get coverage for the following -

  • Bodily injury to a third party, either outside or inside the covered vehicle
  • Third-party property damages

When it comes to comprehensive car insurance, the company’s plan offers coverage for your own vehicle as well. However, certain terms and conditions are associated with respect to the circumstances that are not covered by them. These exclusions are as follows -

  • Incidents taking place beyond the boundaries of the State
  • Incidents arising from or linked directly or indirectly to natural disasters such as floods, tornadoes, hurricanes, volcanoes, earthquakes, or tremors — whether caused by them or resulting from them 
  • Acts of invasion, hostilities by foreign enemies, warlike operations (whether declared or not), civil war, strikes, riots, civil disturbances, mutiny, rebellion, revolution, insurrection, or contamination by ionising radiation from any nuclear fuel, power seizure, confiscation, or nationalisation, radioactive substances, and radioisotopes, atomic or nuclear explosions, or any factors directly or indirectly associated with the aforementioned causes
  • Incidents occurring to the participant, the covered vehicle driver, or individuals employed by the participant when they sustain injuries during the course of their work unless they have procured additional coverage through an endorsement or another certificate

Individuals with comprehensive car insurance are also eligible to include add-on plans in their coverage. Some of the popular add-ons are agency repairs, Oman coverage, towing support, and more.

Let’s jump onto the next section of the article to know the key features and benefits of the Watania Takaful car insurance!

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Top Reasons to Buy Watania Takaful Car Insurance

Mentioned below are some of the benefits and primary reasons for selecting car insurance plans of Watania Takaful -

  • Affordable Plans - Keeping in mind the requirements of car owners across different segments, Watania Takaful offers a wide range of car insurance plans for policy seekers. The company ensures zero compromise on plan coverages and affordable rates at the same time. This way, you can get the necessary insurance coverage while managing your finances efficiently.
  • Smooth Claim Process - Policyholders of Watania Takaful car insurance can stay worry-free regarding the claim process of their car insurance. If you meet with an accident, and your car gets damaged and/or you get injured, you can make a claim with your insurance plan without any hassle. The process involves minimal effort and allows you to get the necessary monetary compensation from the company at the earliest.
  • No Claims Discounts - This is a reward for safe and responsible driving. If you go a certain period (usually a year) without making a claim on your car insurance policy, you can earn a No Claims Bonus (NCB). The NCB results in a reduction in your insurance premium when you renew your policy. The longer you go without making a claim, the higher your NCB and the greater the discount on your premium — valid up to a specified limit.
  • Windscreen Damage - This coverage helps pay for the repair or replacement of your car's windscreen or other glass components (such as windows) if they are damaged due to accidents, vandalism, or other covered events. It's especially useful in areas where road debris or extreme weather conditions can lead to frequent glass damage.
  • Child Car Seat Replacement - In case of an accident, this coverage provides for the replacement of child car seats that were installed in your vehicle and damaged during the incident. Child car seats are important for the safety of young passengers, and this coverage ensures that they are replaced if compromised.
  • Car Replacement in Case of Theft - If your car is stolen and not recovered, this cover ensures compensation for the value of your stolen vehicle, allowing you to replace it with a similar one. It helps you avoid financial losses in the unfortunate event of car theft.

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  • 24/7 Roadside Assistance - This service offers round-the-clock support in case you encounter problems while driving. It typically includes services like towing, mechanical assistance, delivering fuel if you run out, unlocking your car if you are locked out, and other emergency assistance to get you back on the road safely.
  • Agency Repairs - With this coverage, you can be assured that the repairs to your vehicle are carried out at an authorised agency or dealership. This further ensures that the repairs meet manufacturer standards and specifications, which can be particularly important for maintaining your vehicle's warranty as well as resale value.
  • Driver and Passenger Cover - This coverage provides coverage for medical expenses resulting from accidents for both the driver and passengers in your vehicle. This may include compensation for medical bills, disability, or even death benefits in the event of a fatal accident. 

In a Nutshell

As we have provided a comprehensive Watania Takaful car insurance review, you must be aware of the plans, coverages, and benefits of choosing a relevant policy from the insurer. With car insurance being mandatory for car owners in the UAE, it is quite important to find the best deal for yourself.

It is highly recommended to go through all the car insurance plans provided by the insurer and compare them to make an informed decision.

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