Q1. Where are Watania Takaful’s garages?

Ans: Buy Watania Takaful Comprehensive Car Insurance and you can repair the insured vehicle at any of these cities: Al Quoz in Dubai Al Qusais in Dubai Sharjah Branch Al Ain Abu Dhabi Ras Al Khaimah Al Khabaisi, Deira in Dubai

Watania Takaful Comprehensive Car Insurance in UAE

Q: Q2. If I sell the insured vehicle with an existing Watania Takaful Comprehensive Car Insurance, then will the policy transfer too?

Ans: Noor Takaful’s car insurance is determined by many factors, including the expertise and knowledge of the driver. Once the vehicle is sold, the drivers change. The driving experience is individualistic, and transfer of Watania Takaful Comprehensive Car Insurance is not possible.

Q: Q3. I want to make a claim against the Watania Takaful Comprehensive Car Insurance policy. What documents are required?

Ans: If you wish to make a claim, then the following documents have to be submitted along with the duly filled-out claims form: Copy of the driving licence Copy of the registration card of the insured vehicle Original police report, containing details of the incident

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Written ByNupur JainSenior Content Writer (Expertise - Motor Insurance)

Reviewed ByToshita Chauhan BalochiChief Business Officer – General Insurance @ Policybazaar.ae

Last updated on 08 October 2025Editorial Standards

Best Comprehensive Car Insurance in Dubai, UAE

Choose Cheap & Best Comprehensive Car Insurance in UAE

*Above mentioned prices are for Honda City EX 1.5L, 2022 model.

Table of Content

Watania Takaful Comprehensive Car Insurance Vs Third Party Car Insurance - A Comparison
List of Watania Takaful Comprehensive Car Insurance Plans in Dubai, UAE
Benefits of Buying Comprehensive Car Insurance from Watania Takaful in UAE
Watania Takaful Comprehensive Car Insurance - Inclusions
Watania Takaful Comprehensive Car Insurance - Exclusions
FAQ's

Watania Takaful is UAE’s premium insurance company, offering various personal and business policies. The insurance company provides innovative solutions to the customers and offers a variety of benefits like easy claim settlement, efficient customer care, round-the-clock roadside assistance and discounts.

Watania Takaful Comprehensive Car Insurance policy offers complete and all-round coverage for the insured vehicle, whereas Third Party Insurance only covers third party liabilities. As third party liability is a prerequisite for all vehicles in the UAE, buy Watania Takaful Comprehensive Car Insurance if your vehicle is new and of higher monetary value.

Looking to buy Watania Takaful Comprehensive Car Insurance? Read to know more..

Watania Takaful Comprehensive Car Insurance Vs Third Party Car Insurance - A Comparison

Watania Takaful has plans for all policyholders - comprehensive car insurance for customers with newer and expensive cars, and third party liability for customers who want basic coverage for their vehicles.

Looking to buy Watania Takaful Comprehensive Car Insurance? Confused between the two? Let us evaluate the differences.

Coverage	Watania Takaful Comprehensive Car Insurance	Watania Takaful Third Party Insurance
Coverage for third party property damage	Up to AED 2 million	Up to AED 2 million
Coverage for third party bodily damage	Unlimited	Unlimited
Coverage for damages to the insured vehicle	Up to the value of the car	Not covered
Coverage for agency repairs i.e. repair of the insured vehicle at the authorised dealership	3 years	Not covered
Emergency medical expensed	AED 4,000	Not covered
Round-the-clock roadside assistance in case of vehicle breakdown, accidents or running out of gas	Covered	Not covered
Coverage for loss of personal belongings	Covered up to AED 4,000	Not covered
No claims discount that can be availed in the next policy year	Covered	Not covered
Coverage for damages caused due to natural disasters	Covered	Not covered
Coverage for valet parking damages	Covered	Not covered
New car replacement	Up to 6 months	Not covered
Excessive waiver for windscreen damage	Up to AED 3,500	Not covered
Oman extension	Covered	Not covered
Coverage if the insured vehicle is driven off the road	Covered	Not covered

List of Watania Takaful Comprehensive Car Insurance Plans in Dubai, UAE

Watania Takaful Comprehensive Car Insurance covers the insured vehicle for damages or accidents, as well as third party liabilities. The features of this insurance are:

Watania Takaful Comprehensive Car Insurance	Features	Add-on covers
Watania Takaful Comprehensive Car Insurance	Unlimited coverage for third party bodily damage Coverage for third party property damage up to AED 2 million Coverage for damages or accidents of the insured vehicle New car replacement up to 6 months Coverage for damages sustained while driving in Oman Coverage for damages caused due to natural calamities like floods, hurricanes and earthquakes	Emergency medical expenses covered up to AED 4,000 Excessive waiver for damages caused to the windscreen covered up to AED 3,500

Benefits of Buying Comprehensive Car Insurance from Watania Takaful in UAE

The policyholders of the Watania Takaful Comprehensive Car Insurance UAE are given a wide range of benefits and features. Some of these benefits are:

Watania Takaful offers round-the-clock roadside assistance if the insured vehicle was involved in any accidents.
If the insured vehicle has been involved in an accident, then it can be taken to either the authorised dealership for repairs or to Watania Takaful’s partner garages.
Additional covers for driver and passengers in case of permanent partial or total disability or death, in case of accidental collisions.
No claim discount is offered to the policyholder in case of an accident-free year and no claims are made in a policy year.
Watania Takaful also offers these free benefits:
- Cover for damages due to natural calamities
- Cover for damages caused due to strikes or riots
- Cover for damages caused by valet parking
- Extended legal liability towards family members

Watania Takaful Comprehensive Car Insurance - Inclusions

Watania Takaful Comprehensive Car Insurance provides all-around coverage for insured vehicles. If you buy car insurance from Watania Takaful, then you can avail benefits of these inclusions:

Cover for accidental loss or damage to the insured vehicles
Standard agency repairs coverage
If no claims have been made in the policy year, then benefits of no claims discount. These benefits can be availed at the time of policy renewal
Accidental damage or loss in case of natural calamities like floods, thunderstorms and earthquakes
Cover for personal belongings in case of loss or damage due to fire and accident
Cover for damages done if the insured vehicle is in valet parking
Cover for emergency medical expenses

Watania Takaful Comprehensive Car Insurance - Exclusions

Watania Takaful Comprehensive Car Insurance will not compensate the policyholder for damages that occur under the following scenarios:

If the insured vehicle is damaged or any bodily injury is caused due to participation in criminal activities or violation of law
Any accidents or damages that occur to the insured vehicle while it is being driven by the driver who is under the influence of drugs, alcohol or narcotic substances
Any accidents or damages that occur to the insured vehicle while it is being driven by a driver who does not have a valid driving licence
Any accidents or damages that occur to the insured vehicle while it is being driven outside the specified geographical area
Any accidents or damages that are caused due to natural calamities like floods, hurricanes, earthquakes, volcanic eruptions or tornados

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FAQ's

Ans: Buy Watania Takaful Comprehensive Car Insurance and you can repair the insured vehicle at any of these cities:

Al Quoz in Dubai
Al Qusais in Dubai
Sharjah Branch
Al Ain
Abu Dhabi
Ras Al Khaimah
Al Khabaisi, Deira in Dubai

Ans: Noor Takaful’s car insurance is determined by many factors, including the expertise and knowledge of the driver. Once the vehicle is sold, the drivers change. The driving experience is individualistic, and transfer of Watania Takaful Comprehensive Car Insurance is not possible.

Ans: If you wish to make a claim, then the following documents have to be submitted along with the duly filled-out claims form:

Copy of the driving licence
Copy of the registration card of the insured vehicle
Original police report, containing details of the incident

Reviews & Ratings

★★★★★4.7 / 5

(based on 44,090 reviews)

MAJED HUSSAIN ALI WAHEEDIDubai, 15 September 2026

★★★★★

Add-ons on what I actually needWhat I liked about this pllatform was I could choose add-ons as per how I actually use my car. Usually insurers pushed all add-ons, even the unnecessary ones. This team did not, and I selected the ones that made sense for me for real. The whole process felt much more comfortable here.

AHMAD ABDUL KALKDubai, 6 September 2026

★★★★★

Found much better ratesTill date car insurance was either low rates or compromised coverage. On this platform I compared many plans and surprisingly found a good plan. Like affordable rates but pretty solid cover too.

AHMAD ZUHIER M R IDRIESAbu Dhabi, 31 August 2026

★★★★★

Actual support when confusedI was clear that I wanted comprehensive motor insurance, but not sure about what the diff was between add-ons and excess. But thankfully contacted Policybazaar.ae team. I asked a few questions and got satisfactory answers without any pressure to buy.

MOHAMED AHMED KHALAFDubai, 25 August 2026

★★★★★

Nice options for new carRecently bought new car, was not sure of dealership insurance. Checked a few plans here and actually, found amazing options at not much cost too. Glad I did that as, I got better deals instead of just going with the recommendation.

Tiaan TerblancheDubai, 18 August 2026

★★★★★

Good comparison before renewalMy car insurance was due for renew, and luckily I found Policybazaar.ae. Surprised by how many more plans and prices were out there. Rather than going with the same insurer like every time, it was good to compare options on this site.

Ribu JeromeDubai, 14 August 2026

★★★★★

Simple to compareI don't understand car insurance terms much. On Policybazaar.ae, everything was side by side, so I could see what's covered and what's not. Chose in one sitting.