Al Wathba Insurance
Al Wathba National Insurance Company PJSC, known as Al Wathba Insurance, is a general insurer based in Abu Dhabi. It is listed on the Abu Dhabi Securities Exchange, and its largest shareholder at the end of 2025 was Darwish Bin Ahmed & Sons Co with 30.94%. It sells car, home, travel, marine and cyber cover to individuals, and health, fleet and other cover to businesses.
Out of 5 from 4,437 Google reviews across 12 offices
- App Store3.1103 ratings
- Google Play2.2237 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Al Wathba Insurance
Al Wathba Insurance averages 4.1 out of 5 across 4,437 Google reviews of its UAE offices, read 5 Nov 2026. Offices range from 2.9 to 4.9. Those reviews cover everything it sells, not only car insurance.
Counts come from the 272 reviews we read that are about car insurance, most from 2025 to 2026.
What customers praise
Claims staff helpful and quick92 of 272
I had an accident recently and got the approval in less than 48 hours.
Quick buying and renewal40 of 272
I was done with my renewal within minutes.
Staff explain the cover clearly32 of 272
He explained everything clearly and helped me get the right insurance coverage at a good price.
Prices described as good32 of 272
offered me a very competitive rate and provided outstanding customer service
What customers complain about
Slow repair approvals and claim payments51 of 272
it has now been almost two weeks since the accident and the repair approval is still pending.
Hard to reach by phone or email17 of 272
Sent more than 4 mails, no replies.
Payout lower or excess higher than expected11 of 272
No substitute vehicle was provided, and the reimbursement offered was ridiculously low.
Garage allocation and repair quality7 of 272
they contract with bad garage and they did not now how to fix car issues
Read the Google reviews for each office
Al Wathba Insurance car insurance
Al Wathba Insurance sells comprehensive and third-party car insurance to individuals, and comprehensive, third-party and fire and theft cover for business fleets. Its motor page lists own damage cover up to 10 years, and its FAQ says older cars and high-value or sports cars are subject to underwriting.
| Plan | Type | What it is |
|---|---|---|
| Comprehensive Motor Insurance | Comprehensive | Covers loss or damage to the insured car, third-party property damage and third-party injury. Listed with own damage cover up to 10 years and an Oman cover extension.2 |
| Third-Party Liability / TPL Motor Insurance | Third party | Covers damage or injury caused to other people, their vehicles or property. It does not cover damage to your own car.2 |
| Motor Fleet Insurance | Other | For businesses. Comprehensive, third-party liability and fire and theft cover for fleets, from private cars to heavy goods vehicles.27 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Depends on plan | Brand new cars are repaired at the authorised agency or dealer after an accident if the car is no more than two years old. Terms apply. The FAQ says lifetime agency repair may be available for eligible vehicles.2 |
| Garage repair | Included | Non-agency repairs are done at approved network garages. The comprehensive plan is listed with approved premium workshops.2 |
| Roadside assistance | Depends on plan | Motor page lists 24/7 roadside help under what is covered: towing, battery boost, flat tyre, fuel delivery and lock-out. The brochure marks it optional. Typically UAE only.2 |
| Replacement or hire car | Optional extra | Motor page: car hire allowance reimburses rental for 7 to 10 days during accident repairs. 2022 policy wording: AED 100 a day for up to 7 days for an insured at fault, for an extra premium. Cash instead of a car may be available.2 |
| Personal accident cover | Included | Listed under what is covered, for driver and passengers: compensation for accidental death or injury, including medical expenses.2 |
| Ambulance service | Included | Emergency medical transport can be arranged after an accident.2 |
| Oman cover | Optional extra | Optional extension, terms apply. The policy wording excludes damage outside the stated territory unless a rider is issued.2 |
| GCC cover | Depends on plan | The FAQ says roadside help is typically within the UAE, and GCC cover depends on policy terms and extensions chosen.2 |
More cover details (13)
| Cover | With this insurer | Details |
|---|---|---|
| Off-road cover | Optional extra | The 2022 policy wording excludes damage off the road unless a rider is issued, for an extra premium.28 |
| Natural disaster and flood cover | Depends on plan | The 2022 policy wording excludes natural disasters such as floods, meaning events with extensive, widespread damage on which the concerned authority has issued a decision. A company blog lists natural calamities among what cover can include, if the loss is admissible. A company news release on UAE weather events says repairs or full settlements were completed for over 55% of affected vehicles. Check your policy schedule.28 |
| Windscreen | Included | Repair or replacement is arranged if the windscreen is damaged.2 |
| Personal belongings | Depends on plan | The motor page says personal items in the car are covered during insured incidents. The 2022 policy wording says damage to the property of the insured or driver at the time of an accident can be added by rider or separate policy, for an extra premium. Check your policy schedule.2 |
| No-claims discount | Depends on plan | A premium discount for each claim-free year. New customers are asked for a certificate from their previous insurer.2 |
| Excess or deductible | Depends on plan | 2022 policy wording maximums for private cars with up to 9 passengers: AED 350 for a car worth up to AED 50,000, AED 700 up to AED 100,000, AED 1,000 up to AED 250,000, AED 1,200 above AED 250,000, AED 1,400 above AED 500,000. Charged when you caused the accident or the other party is unknown. Extra percentage deductibles do not apply on a total loss.28 |
| Young driver terms | Depends on plan | The FAQ defines a young driver as typically under 25 or with limited experience. The 2022 policy wording allows an extra deductible of up to 10% of compensation when the accident was caused by the insured and the driver is under 25.2 |
| Sports and modified cars | Depends on plan | The 2022 policy wording allows an extra deductible when the insured caused the accident: up to 15% of compensation for sports cars and modified vehicles, and up to 20% for vehicles modified outside the factory. The highest percentage applies if several do.28 |
| Depreciation on new parts | Depends on plan | Where an injured party asks for new parts instead of used parts in a partial loss, the 2022 policy wording applies 5% in the second year from first registration, rising to 30% from the sixth year. None in the first year. Taxis, public transport and rental vehicles have a higher scale.28 |
| Trailer cover | Optional extra | Available depending on policy type and add-ons chosen.2 |
| International driving licence | Depends on plan | Motor page lists a free international driving licence with a policy. The brochure marks it optional.2 |
| Airport pick-up or drop-off | Optional extra | Transport to or from the airport within the same city. The brochure marks it optional.2 |
| Instalments | Optional extra | Premiums can be split into instalments through Tabby.2 |
Published prices
- Comprehensive starts at AED 1,500 plus VAT.2
- Third-party liability starts at AED 525 plus VAT.2
- Brochure says car insurance starts at AED 1.7 a day, with terms applying.16
Check before you buy
- The 2022 policy wording excludes accidents caused by or related to natural disasters such as floods, tornadoes, hurricanes and earthquakes. It defines a natural disaster as an event with extensive, widespread damage on which the concerned authority has issued a decision.28
- Damage outside the stated territory is excluded unless a rider is issued.28
- Damage while the driver has no valid licence for the vehicle is excluded. An expired licence is treated as valid only if renewed within 30 days of the accident.28
- Accidents while driving under the influence of drink or drugs are excluded, if proven or admitted.28
- Use in a speed race or test is excluded, if proven to be the main cause of the accident.28
- Mechanical or electrical breakdown and loss of value are excluded. Tyre damage is excluded unless the car is damaged at the same time.28
Policy documents
- Motor insurance brochureBrochure
- Motor Insurance Policy WordingPolicy wording, 2022
How to claim with Al Wathba Insurance
- Claims phone600544040
- Roadside help600544040
- Claims emailmotorclaims@awnic.com
- Claim onlineOpen claim page
Same number for phone and WhatsApp. Services may include breakdown help, accident towing, battery boost, flat tyre, fuel delivery and lock-out.2
Steps
- Call 999 and ask for police help, or an ambulance if anyone is hurt11
- Take photos of the damage and the accident scene11
- Register the claim in the app or web portal. For urgent support call 600 54 40 40. A claims guide on its blog prints 600 50 40 40. Its claims, contact and FAQ pages give 600 54 40 40.4
- Submit your proof and documents4
- Have the car assessed and repaired once the claim is approved11
- Track the claim on the web portal or app4
- Its FAQ says claim timelines depend on documents, the police report and repair approvals.2
- Payment is by bank transfer or direct to the workshop, depending on the claim.2
Not happy with a claim? Complain to Al Wathba Insurance at complaints@awnic.com first. How to take a complaint to Sanadak.
About Al Wathba Insurance
- Legal name
- Al Wathba National Insurance Company
- Founded
- 1978 by Emiri decree, per its governance report. ADX lists incorporation in 1996.22
- Type
- Conventional insurer writing general insurance of all classes15
- Owner
- Listed company. Largest holders at 31 December 2025: Darwish Bin Ahmed & Sons Co 30.94%, United Al Saqer Group LLC 13.22%, Ali Rashed Naser Al Omaira 9.78%, Rashed Darwish Al-Ketbi 8.20%, Al Dhabi Investments PJSC 7.41%, Mohammed Ahmed Saeed Al Qasimi 6.52%, ABK Investments LLC 5.25%.22
- Listed on
- Abu Dhabi Securities Exchange (ADX), ticker AWNIC, listed 14 November 200014
- Headquarters
- Abu Dhabi15
- UAE branches
- Contact page lists a head office, a Dubai office, motor claims offices in Abu Dhabi and Al Ain, and eight offices at traffic and vehicle testing centres. The 2025 accounts also name a branch office in Sharjah, which the contact page does not list.6
- Also sells
- Health, Home, Travel, Marine, Cyber, Fire and general accident, Engineering, Oil and energy, Aviation, Fleet9
- Central Bank
- Listed in the CBUAE register, September 2026, number 101
Financial strength
S&P raised the rating from BBB- in July 2026 and says about 93% of invested assets at end 2025 were in equities and real estate. In H1 2026 the insurance service result was AED 5.2 million, down from AED 12.5 million a year earlier, and net investment income was AED 70.1 million.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| S&P Global Ratings | BBB, Positive13 | UAE company | 23 Jul 2026 |
Awards
- Sheikh Khalifa Excellence Award, Cycle 20, Silver, 202325
- Best CX in Financial Services, Best Use of AI in CX and Best Use of AI in Marketing, Customer Centricity World, 202520
- Most Valuable Insurance Companies, 6th place, Forbes Middle East, 202010
- Digital Insurance Initiative of the Year, Insurance Asia Awards, 202010
- Mid-Size Direct Insurer of the Year, Insurance Asia Awards, 201910
- Excellence in Digital Transformation and Smart Services, Central Bank of the UAE, 20195
- Excellence in Digital Transformation and Smart Services, Central Bank of the UAE, 20185
Recent news
- Dubai branch moves to Al Barsha South
The company opened larger premises in Al Barsha South to serve Dubai and the Northern Emirates.29
- H1 2026 profit of AED 50.7 million
Insurance revenue rose to AED 517.7 million from AED 348.7 million, and profit rose from AED 25.1 million.18
- S&P raises rating to BBB
S&P raised its financial strength rating from BBB- to BBB and kept a positive outlook.13
- Shareholders approve dividend of AED 0.25 a share
The AGM approved a cash dividend of AED 51.75 million for 2025, paid in May 2026.19
- 2025 profit of AED 94.3 million
Insurance revenue rose to AED 781 million from AED 376 million in 2024.20
Contact Al Wathba Insurance
- Phone600544040
- Emailcustomercare@awnic.com
- HoursCall centre: Monday to Thursday 8am to 7pm, Friday 8am to 12pm and 3pm to 7pm, Sunday 8am to 5pm, closed Saturday
- Head officeAl Wathba Tower, Mohammed Bin Butti Al Hamed St, P.O. Box 45154, Abu Dhabi
Branches (12)
| Branch | Address | Phone |
|---|---|---|
| Head Office | Al Wathba Tower, Mohammed Bin Butti Al Hamed St, P.O. Box 45154 | 600544040 |
| Dubai Office | Retail 05, Ground Floor, Tower 3, Marriott Residences, Al Barsha South, P.O. Box 6807 | 600544040 |
| Abu Dhabi Motor Claims | RDK Building, Block B, Office no. 5, Al Rawdha Area, Old Airport Road, opposite Al Noor Hospital | |
| Al Ain Motor Claims | Helal Al Kuwaiti Building No. 55, Office no. 4, beside Al Fardan Exchange, near Clock Tower, Al Ain | 600544040 |
| Abu Dhabi Traffic Office | Abu Dhabi Traffic Vehicle Inspection & Registration Centre | 600544040 |
| Musaffah Traffic Office | Mussafah Light Vehicle Inspection Centre | 600544040 |
| Shamkha Traffic Office | Shamkha Traffic Vehicle Inspection & Registration Centre, Motor World | 600544040 |
| Mahawi Traffic Office | Mahawi Traffic Vehicle Inspection & Registration Centre | 600544040 |
| Al Ain - Bateen Traffic Office | Al Bateen Traffic Vehicle Inspection & Registration Centre | 600544040 |
| Al Ain - Falaj Hazza Traffic Office | Al Ain, Falaj Hazza ADNOC Vehicle Inspection Centre | 600544040 |
| Shamil Nad Al Hamar Traffic Office | Shamil Nad Al Hamar Vehicle Inspection Centre | 600544040 |
| Shamil Adhed Traffic Office | Shamil Adhed Vehicle Testing & Registration | 600544040 |
Common questions
How much is Al Wathba car insurance?
Its motor page says comprehensive starts at AED 1,500 plus VAT and third-party starts at AED 525 plus VAT.2
Does Al Wathba offer agency repair?
Brand new cars are repaired at the agency if no more than two years old, with terms applying. Its FAQ says lifetime agency repair may be available for eligible vehicles.2
Does Al Wathba car insurance cover Oman?
Oman cover is an optional extension, depending on your policy.2
Does Al Wathba car insurance cover floods?
The 2022 policy wording excludes natural disasters such as floods where the concerned authority has issued a decision on the event. A company blog lists natural calamities among what cover can include, so check your policy schedule.28
What is the Al Wathba roadside assistance number?
600 54 40 40, by phone or WhatsApp.2
How do I make a car claim with Al Wathba?
Register the claim in the app or web portal, submit your documents, then track it there. For urgent support call 600 54 40 40.4
How do I complain to Al Wathba Insurance?
Use the complaint form, the app, complaints@awnic.com or 600 54 40 40. If you are not satisfied, or there is no final resolution within 30 calendar days, you can go to Sanadak.8
Sources
31
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Al Wathba Insurance, Motor Insurance. Last checked 5 Nov 2026. Source document: Motor Insurance
3Al Wathba Insurance, Home page. Last checked 5 Nov 2026. Source document: Home page
4Al Wathba Insurance, Motor Insurance Claim. Last checked 5 Nov 2026. Source document: Motor Insurance Claim
5Al Wathba Insurance, About us. Last checked 5 Nov 2026. Source document: About us
6Al Wathba Insurance, Contact us. Last checked 5 Nov 2026. Source document: Contact us
7Al Wathba Insurance, Investor Relations. Last checked 5 Nov 2026. Source document: Investor Relations
8Al Wathba Insurance, Register a Complaint. Last checked 5 Nov 2026. Source document: Register a Complaint
9Al Wathba Insurance, Frequently Asked Questions. Last checked 5 Nov 2026. Source document: Frequently Asked Questions
10Al Wathba Insurance, Our Story. Last checked 5 Nov 2026. Source document: Our Story
11Al Wathba Insurance, The Essential Guide to Filing Your Insurance Claim. Last checked 5 Nov 2026. Source document: The Essential Guide to Filing Your Insurance Claim
12Al Wathba Insurance, Al Wathba Insurance Opens New Dubai Branch. Last checked 5 Nov 2026. Source document: Al Wathba Insurance Opens New Dubai Branch
13S&P Global Ratings, Research Update: Al Wathba National Insurance Co. PJSC Upgraded To BBB On Profitable Growth; Outlook Positive. Last checked 5 Nov 2026. Source document: Research Update: Al Wathba National Insurance Co. PJSC Upgraded To BBB On Profitable Growth; Outlook Positive
14Abu Dhabi Securities Exchange, AWNIC company profile overview. Last checked 5 Nov 2026. Source document: AWNIC company profile overview
15Al Wathba Insurance, Consolidated financial statements for the year ended 31 December 2025. Last checked 5 Nov 2026. Source document: Consolidated financial statements for the year ended 31 December 2025
16Al Wathba Insurance, Motor insurance brochure. Last checked 5 Nov 2026. Source document: Motor insurance brochure
17Al Wathba Insurance, Board of Directors Report for the period ended 30 June 2026. Last checked 5 Nov 2026. Source document: Board of Directors Report for the period ended 30 June 2026
18Al Wathba Insurance, Management Discussion and Analysis Report, H1 2026. Last checked 5 Nov 2026. Source document: Management Discussion and Analysis Report, H1 2026
19Al Wathba Insurance, Condensed consolidated interim financial statements, 30 June 2026. Last checked 5 Nov 2026. Source document: Condensed consolidated interim financial statements, 30 June 2026
20Al Wathba Insurance, Management Discussion and Analysis Report, FY2025. Last checked 5 Nov 2026. Source document: Management Discussion and Analysis Report, FY2025
21Al Wathba Insurance, Weathering the storm: Al Wathba Insurance stands firm with its customers. Last checked 5 Nov 2026. Source document: Weathering the storm: Al Wathba Insurance stands firm with its customers
22Al Wathba Insurance, Corporate Governance Report for the year 2025. Last checked 5 Nov 2026. Source document: Corporate Governance Report for the year 2025
23Al Wathba Insurance, Integrated Report 2025. Last checked 5 Nov 2026. Source document: Integrated Report 2025
24Reinsurance News, Al Wathba Insurance secures access to Lloyd's of London. Last checked 5 Nov 2026. Source document: Al Wathba Insurance secures access to Lloyd's of London
25Al Wathba Insurance, AWNIC Celebrates SKEA Award, 20th Cycle. Last checked 5 Nov 2026. Source document: AWNIC Celebrates SKEA Award, 20th Cycle
26Al Wathba Insurance, Car Insurance: What You Need to Know Before You Buy. Last checked 5 Nov 2026. Source document: Car Insurance: What You Need to Know Before You Buy
27Al Wathba Insurance, Fleet Insurance. Last checked 5 Nov 2026. Source document: Fleet Insurance
28Al Wathba Insurance, Motor Insurance Policy Wording. Last checked 5 Nov 2026. Source document: Motor Insurance Policy Wording
29AETOSWire, Al Wathba Insurance opens new Dubai branch. Last checked 5 Nov 2026. Source document: Al Wathba Insurance opens new Dubai branch
30Apple App Store, AWNIC App. Last checked 5 Nov 2026. Source document: AWNIC App
31Google Play, AWNIC. Last checked 5 Nov 2026. Source document: AWNIC
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published