Watania Takaful
Watania Takaful General is a UAE takaful (Islamic insurance) company that sells car, home, travel and business cover. It was called Noor Takaful General until February 2023. It is wholly owned by Watania International Holding, which is listed on the Dubai Financial Market.
Out of 5 from 2,641 Google reviews across 5 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Watania Takaful
Watania Takaful averages 3.6 out of 5 across 2,641 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only car insurance.
Counts come from the 95 reviews we read that are about car insurance, most from 2023 to 2026.
What customers praise
Helpful, patient claims staff21 of 95
She made sure to stay on the line until I was fully satisfied and understood the accident claim process.
Quick, smooth claim process7 of 95
I received quick approval from watania takaful insurance company for my car repair and, I have received every single update through whatsapp and sms
Easy to buy or renew6 of 95
I got my insurance within an hour of processing.
Total loss settled without trouble5 of 95
My car was affected in flood Watania was clear about the procedures and did pay up for the total loss
What customers complain about
Slow repair approval13 of 95
My car has been in an accident for 41 days, and until now, the repair has not been approved by Watani Takaful.
Long wait for settlement or rental money12 of 95
My car was total loss on 16 April. Now it is 5 june and i did not get my compansation.
Hard to reach, few updates7 of 95
Customer service line for motor claims takes more than half an hour to connect
Poor garage or repair quality6 of 95
the agent sent me to a low quality and dirty Al Quoz garage, while I paid agency premium
Read the Google reviews for each office
Watania Takaful car insurance
Watania Takaful sells Comprehensive, Third Party and Loss and Damage car cover. Many extras, such as agency repair, Oman cover and flood cover, depend on what your certificate lists.
| Plan | Type | What it is |
|---|---|---|
| Comprehensive | Comprehensive | Covers your own car, you and third parties. Covers collision, fire, theft and third party claims.3 |
| Third Party | Third party | Covers injury to others and damage to their property, including their cars. Does not cover your car or injury to you.3 |
| Loss and Damage | Other | Covers your own car only.3 |
| Watania Takaful PB Auto Care Advantage (Pitstop P360) | Comprehensive | Comprehensive plan sold through Policybazaar, with repairs at Pitstop360 sites in Dubai, Sharjah, Abu Dhabi and Al Ain.15 |
| Cover | With this insurer | Details |
|---|---|---|
| Agency repair | Optional extra | Extra contribution on some certificates. Repair at the maker's authorised dealer in the UAE with no depreciation on parts. After a car's first three years on the road, Watania may agree to agency repair and set the contribution.7 |
| Garage repair | Included | Without agency repair, Watania picks an authorised repairer based on car type, damage and parts availability.7 |
| Own repairer | Depends on plan | Allowed. Watania does not guarantee the work, and it seeks an estimate as low as its recommended repairers. It may offer cash equal to the lowest estimate instead.3 |
| Repair guarantee | Depends on plan | Repairs by recommended repairers, including paintwork, are guaranteed for one year.3 |
| Agency repair for a third party's car | Depends on plan | A third party's car goes to its agency in its first year of use, then to a suitable repair shop.3 |
| Roadside assistance | Depends on plan | The motor page lists it with Comprehensive, and also calls it an optional service. The FAQ says it applies if shown in your policy.3 |
| Roadside service limits | Depends on plan | 24 hours in the UAE. Covers towing, battery boost, flat tyre, fuel delivery and lock-out. Stated maximum response is 45 minutes in cities and, where no problems exist, 2 hours on highways. In Oman the first 100 km are free, then AED 3 per km.7 |
| Courtesy car if not at fault | Depends on plan | The motor page says a courtesy car, or up to AED 300 a day, for up to 15 days with a recommended repairer. The certificate's loss of use section says up to 10 days, its hire car benefit 7 days, and its cash courtesy car benefit up to AED 100 a day for 7 days. None if the car is a write-off or stolen, or you take cash. Check your certificate.3 |
More cover details (19)
| Cover | With this insurer | Details |
|---|---|---|
| Courtesy car if at fault | Depends on plan | Only if your certificate has the replacement car benefit and you use a recommended repairer.3 |
| Hire car benefit | Optional extra | Up to 7 days, in the UAE only. You must give a credit card imprint and start within 48 hours. Only you or your spouse may drive.7 |
| Personal accident cover | Optional extra | Extra contribution. Pays up to AED 200,000 in total during one period of cover, for you, a licensed driver and family members.7 |
| Oman cover | Optional extra | Own damage only. Third party cover must be bought separately before you enter Oman.7 |
| GCC cover | Optional extra | Own damage only, in Oman, Bahrain, Saudi Arabia, Kuwait and Qatar. Third party cover must be bought separately, at the border except for Oman.7 |
| Off-road cover | Optional extra | Private all-wheel-drive SUVs only, within the UAE and within 500 metres of a regular road. Double excess applies and a police report is needed. No dune bashing, desert safaris or racing.7 |
| Natural disaster and flood cover | Optional extra | Applies if listed on your certificate. Covers flood if the car was not being driven, plus storm, cyclone and earthquake.7 |
| Windscreen | Optional extra | Replacement up to AED 3,000 with no excess, if the glass is the only damage, unless your schedule states otherwise.7 |
| No-claims discount | Depends on plan | Goes down at renewal after a claim and up if you do not claim. It cannot be transferred to anyone else.7 |
| New car replacement | Optional extra | First owner, bought from an authorised dealer, under 6 months old. On a total loss, pays for a new model or the purchase price, whichever is lower.7 |
| Excess | Depends on plan | Set by your certificate schedule. The certificate caps the basic deductible for private cars with up to 9 passengers at 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 and AED 1,200 above that. Extra excess may apply if you caused the accident.7 |
| Young drivers | Depends on plan | If you caused the accident, Watania may add an excess of up to 10% of the compensation when the driver is under 25. The standard deductible also goes up for young drivers, high value or high performance cars, and drivers with a poor claims history.7 |
| Total loss | Included | The motor page says a car is a total loss if the chassis or pillars have structural damage, or repairs cost over 50% of its depreciated value, and that market value is paid up to AED 2 million. The certificate bases the payment on the covered value less 20% depreciation, adjusted for time on cover. Check your certificate.3 |
| Ambulance costs | Included | Up to AED 6,770 per person.3 |
| Death and disability, third parties | Included | The motor page says up to AED 200,000. The certificate says the limit is the amount a court awards, with AED 200,000 per person for your spouse, parent or child. Check your certificate.3 |
| Personal belongings | Optional extra | Pays for loss from fire, theft or accident, less wear and tear, up to the limit on your certificate. The items must be in the police report, and you must give proof of purchase.7 |
| Replacement locks | Optional extra | Pays for locks after damage or stolen keys. No excess, and no effect on your no-claims discount.7 |
| Family members | Depends on plan | You can apply to include family members. If your certificate has a named driver clause, only listed drivers are covered.3 |
| Who can apply | Depends on plan | The motor page says UAE nationals and UAE residents can apply. Its FAQ says anyone with a UAE residence visa.3 |
Check before you buy
- Damage while driving without a licence, or under the influence of alcohol or narcotics.3
- Damage from overloading or carrying too many passengers.3
- Using the car for a purpose not stated in your policy.3
- Indirect losses and loss of value from use, breakdown, or mechanical or electrical faults.3
- War, civil war, strikes and civil unrest.3
- Floods and other natural disasters, unless your certificate lists the natural disaster extension.7
- Accidents outside the UAE, unless an endorsement extends cover.7
Policy documents
- Motor Takaful CertificatePolicy wording
How to claim with Watania Takaful
- Claims phone800 928 2642
- Claims WhatsApp+971 800 928 2642
- Claims emailinfo@watania.ae
- Claim onlineOpen claim page
24 hours a day in the UAE on policies that include it. The motor page gives no IMC number. Watania's call centre, 800 928 2642, runs 8am to 7pm.3
Steps
- Check for injuries and do not move the cars unless they block traffic.3
- Call the police and get a police report.3
- Note the VIN and plates, swap details with the other driver and take photos.3
- Report the claim on 800 928 2642, WhatsApp +971 800 928 2642, info@watania.ae or online. The claims page also shows 800 825 2385 and info@noortakaful.com, and the undated certificate gives 800 825 2385 and motorclaims@noortakaful.com.5
- Upload your documents.5
- Take the car to the assigned garage and quote your claim reference.7
- Wait for the garage estimate and Watania's repair approval.7
- Own repairer: after the estimate and surveyor review, repairs are authorised within 2 working days.3
- Write-off: Watania calls within 2 working days of assessing the damage and pays within 5 working days of agreeing a settlement.3
- Stolen car not recovered: contact within 5 working days of the final police report, payment within 5 working days of receiving the required items.3
- Hit and run, or an uninsured other driver: settlement and payment within 7 working days.3
- Complaints: an update on the resolution within three working days.6
Not happy with a claim? Complain to Watania Takaful at feedback@watania.ae first. How to take a complaint to Sanadak.
About Watania Takaful
- Legal name
- Watania Takaful General PJSC
- Founded
- 2009, as Noor Takaful8
- Type
- Takaful. Members pay contributions into a shared fund, and the company runs that fund as their agent in return for a fee.7
- Owner
- Wholly owned by Watania International Holding PJSC. The parent's largest declared shareholder is Magna Investment LLC, with 25.19% as of 4 November 2026.14
- Listed on
- The company itself is a subsidiary. Its parent, Watania International Holding PJSC, is listed on the Dubai Financial Market under the ticker WATANIA.14
- Headquarters
- Dubai. The contact page lists The Galleries, Building 2, Level 13, Downtown Jebel Ali first. The undated motor certificate gives Level 4, The Offices 1, One Central, DWTC as head office.4
- UAE branches
- The contact page lists 4 offices: Jebel Ali (Dubai), Port Saeed (Deira), Al Gurg Tower (Deira) and Abu Dhabi. The 2025 Integrated Report also names an office in Sharjah.4
- Also sells
- Home, Personal accident, Travel, Marine, Property, Engineering, Casualty and liability, Fleet, Office4
- Previous name
- Noor Takaful General PJSC, until 2023-02-2112
- Central Bank
- Listed in the CBUAE register, September 2026, number 851
Financial strength
The parent paid no dividend for 2025, saying one could add pressure on the solvency margins of its takaful companies, and this company's shares are pledged against the parent's AED 100 million bank facility.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| AM Best | Withdrawn. Last rating B (Fair), under the name Noor Takaful General, withdrawn at the company's request.13 | UAE company | 31 Mar 2022 |
Recent news
- Parent reports AED 11.0 million net profit for the first half of 2026
Net profit was up from AED 5.4 million a year earlier, and the group combined ratio was 98.5%.11
- Anuj Agarwal becomes chief executive of the parent company
Watania International Holding appointed him with effect from 20 April 2026.17
- Company returns to profit for 2025
Watania Takaful General made AED 14.5 million after tax, against a loss the year before, driven mainly by a recovery in motor underwriting.8
- Policybazaar launches a motor plan with Watania Takaful and Pitstop
The comprehensive plan offers priority claims handling and repairs at Pitstop360 sites.15
- Watania says it rejected no motor claims after the April 2024 rains
The company said this covered the five weeks after 15 April, and that settlement offers had gone to nearly 70% of claimants.16
Contact Watania Takaful
- Phone800 928 2642
- Toll free800 928 2642
- WhatsApp+971 800 928 2642
- Emailinfo@watania.ae
- Hours7 days a week, 8am to 7pm
- Head officeThe Galleries, Building 2, Level 13, Downtown Jebel Ali, Dubai (first office on the contact page). The undated motor certificate gives One Central, DWTC.
Branches (4)
| Branch | Address | Phone |
|---|---|---|
| Jebel Ali | The Galleries, Building 2, Level 13, Downtown Jebel Ali, Dubai | |
| Abu Dhabi | 4th Floor, Al Jazeera Club Tower A, Abu Dhabi | |
| Deira, Port Saeed | Business Point Building, Showroom No. 3, Port Saeed, Deira | |
| Deira, Al Gurg | 101, 1st floor, Al Gurg Tower, Baniyas, Deira |
Common questions
Is Watania Takaful the same as Noor Takaful?
Yes. Noor Takaful General PJSC took the Watania Takaful General name on 21 February 2023.12
Who owns Watania Takaful?
Watania Takaful General is wholly owned by Watania International Holding PJSC, which is listed on the Dubai Financial Market.8
Does Watania Takaful car insurance include agency repair?
Agency repair is an optional extra for an additional contribution. Without it, Watania chooses one of its authorised repairers.7
Does Watania Takaful cover flood damage to my car?
Only if your certificate lists the natural disaster extension. It covers flood if the car was not being driven.7
Can I drive to Oman with Watania Takaful?
Oman cover is an optional extra for damage to your own car. Third party cover must be bought separately.7
How do I make a Watania Takaful car claim?
Get a police report, then report the claim on 800 928 2642, by WhatsApp, by email or online. You need the police report, your mulkiya and your driving licence.5
How long does Watania Takaful take to pay a total loss?
It says it calls within 2 working days of assessing the car. It pays within 5 working days of agreeing a settlement.3
Sources
19
1Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
2Central Bank of the UAE, CB Register September of 2026. Last checked 5 Nov 2026. Source document: CB Register September of 2026
3Watania Takaful, Motor Takaful page (Wayback Machine capture, 11 July 2026; page last changed 19 June 2026). Last checked 5 Nov 2026. Source document: Motor Takaful page (Wayback Machine capture, 11 July 2026; page last changed 19 June 2026)
4Watania Takaful, Contact us (Wayback Machine capture, 11 July 2026). Last checked 5 Nov 2026. Source document: Contact us (Wayback Machine capture, 11 July 2026)
5Watania Takaful, Claims (Wayback Machine capture, 6 June 2026). Last checked 5 Nov 2026. Source document: Claims (Wayback Machine capture, 6 June 2026)
6Watania Takaful, Complaints (Wayback Machine capture, 10 May 2026). Last checked 5 Nov 2026. Source document: Complaints (Wayback Machine capture, 10 May 2026)
7Watania Takaful, hosted by Dubai Islamic Bank, Motor Takaful Certificate (undated). Last checked 5 Nov 2026. Source document: Motor Takaful Certificate (undated)
8Watania International Holding PJSC, filed on DFM, Integrated Report 2025. Last checked 5 Nov 2026. Source document: Integrated Report 2025
9Watania International Holding PJSC, filed on DFM, Consolidated financial statements for 2025. Last checked 5 Nov 2026. Source document: Consolidated financial statements for 2025
10Watania International Holding PJSC, filed on DFM, Management discussion and analysis 2025. Last checked 5 Nov 2026. Source document: Management discussion and analysis 2025
11Watania International Holding PJSC, filed on DFM, H1 2026 results press release, 12 August 2026. Last checked 5 Nov 2026. Source document: H1 2026 results press release, 12 August 2026
12Watania Takaful, Dar Al Takaful changes trade names of two business lines, 21 February 2023 (Wayback Machine capture). Last checked 5 Nov 2026. Source document: Dar Al Takaful changes trade names of two business lines, 21 February 2023 (Wayback Machine capture)
13AM Best, AM Best Withdraws Credit Ratings of Noor Takaful General PJSC, 31 March 2022. Last checked 5 Nov 2026. Source document: AM Best Withdraws Credit Ratings of Noor Takaful General PJSC, 31 March 2022
14Taqrir, Watania International Holding company page, shareholders as of 4 November 2026. Last checked 5 Nov 2026. Source document: Watania International Holding company page, shareholders as of 4 November 2026
15Beinsure, Insurtech Policybazaar launches garage-backed motor plan with Watania Takaful, 23 February 2026. Last checked 5 Nov 2026. Source document: Insurtech Policybazaar launches garage-backed motor plan with Watania Takaful, 23 February 2026
16Watania Takaful, Zero motor claims rejected by Watania Takaful to date, 30 May 2024 (Wayback Machine capture). Last checked 5 Nov 2026. Source document: Zero motor claims rejected by Watania Takaful to date, 30 May 2024 (Wayback Machine capture)
17Watania International Holding, Appointment of Anuj Agarwal as Chief Executive Officer (Wayback Machine capture, 10 May 2026). Last checked 5 Nov 2026. Source document: Appointment of Anuj Agarwal as Chief Executive Officer (Wayback Machine capture, 10 May 2026)
18Apple App Store, DriveEX, UAE store listing. Last checked 5 Nov 2026. Source document: DriveEX, UAE store listing
19Trustpilot, Watania profile for watania.ae. Last checked 5 Nov 2026. Source document: Watania profile for watania.ae
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 4 May 2027
- Status
- Published