WATANIA Car Insurance

WATANIA Car Insurance

‘Keeping you on the move & protecting you from the unexpected!’

With this tagline, WATANIA was founded in the year 2011. It is a joint initiative of Aldar Properties, Abu Dhabi National Energy Company, Abu Dhabi National Islamic Finance, and Abu Dhabi National Insurance Company. However, the shareholding structure changed in August 2014 whereupon Al Madina Takaful, Oman and MB Investment, UAE acquired 60 percent stake in the business. At present, MB Investment (UAE) has a 52-percent stake, ADNIF has 15.74 percent stake, Al Madina Takaful (Oman) with 9.54 percent stake and Bin Harmal with 8.37 percent stake.

Car Takaful is crafted to keep you moving and to safeguard you against the unexpected. Car damages cause you many inconveniences and keeping this in mind, WATANIA has made its claims process quick, easy and convenient.  

What does WATANIA Car Takaful offer?

It offers two kinds of Car Takaful to suit your requirements and budget. They are described below:

Comprehensive Car Takaful:

Comprehensive Car Takaful, as the name suggests, offers a complete coverage against any unintentional/accidental damage to your car, its spare parts and accessories. Any liability towards a third party, whether property damage or bodily injury/death, caused due to your driver’s or your negligence is also covered under this policy. All three packages mentioned below cover the insured against third party liabilities.


Other than covering third-party liabilities, the scheme also indemnifies you against any accidental damage or loss to your own vehicle by providing repairs for the many damages mentioned in the policy documents. The repair work can be undertaken at a premium garage or at a dealer’s agency. Under the Comprehensive Agency Repair package, the Insurance Company also provides round-the-clock roadside assistance service, emergency medical expenses, and cover against any malicious act of damage.

Premium Garage:

Under Comprehensive Premium Garage cover, any accidental loss or damage to your car will be repaired/reimbursed. The repairs will take place at a premium, Watania-nominated garage. A third-party cover will be offered but no other premium service would be on the table.


You can go for an affordable, pocket-friendly option as well. Comprehensive Garage Repair covers you against any legal liability in case of an accidental injury or death of the third-party and accidental damage or loss to a third-party’ property or vehicle. Moreover, this scheme also covers you against any accidental damage or loss to your own vehicle; however, your car is repaired in the multiple skilled workshop without any added benefits.

Third Party Insurance:

The liability towards a third party such as damage to their car, death/bodily injury, or property is covered by Third-Party Takaful.

Add-on-Covers in Watania Car Insurance

  • Round-the-clock roadside assistance
  • Facilitates Mulkiya Renewal Registration Procedure
  • International Driving License at discounted rates

Watania: Claim Philosophy

It is the claim which proves the worth of your insurance. It is at the time of claim when the insurance provider is expected to fulfil its responsibility towards you. At Watania, claims are not considered to be a liability but as an opportunity to assist the customers at the time of need.

Watania: The Claims Process

While reporting a claim, you’re required to submit a few important documents which are as follows:

  • Original copy of the Police Report
  • A copy of your registration card
  • A copy of the Policy or policy number
  • ID proof (Passport copy/Emirates ID) as a proof of age of the driver
  • A copy of your driving license

You can claim your motor takaful by sending an e-mail to claims@watania[dot]ae



A comprehensive car takaful is the plan that covers your car completely. This type of insurance covers the insured against all losses and damages, including third-party insurance. The damage or loss could be a result of theft, self-ignition, accidental fire, collision, external explosion, burglary, or vandalism.

Third-party Liability Insurance is the basic cover that is mandatory according to UAE Laws. This policy covers bodily injury or death caused to any third person/party along with loss or damage to any third-party property attributable to the policyholder’s vehicle.

Your car insurance premium is computed from your car’s value. A small percent (2-6%) of the value will be computed as the premium. If your car has had accidents, it would be accounted for in the premium. If your vehicle has had no accident, a no-claims discount will be offered while renewing the policy.