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Watania Car Insurance Reviews

Watania Car Insurance Overview

Watania Insurance is one of the younger companies offering car insurance in the UAE, but what it lacks in age it makes up for in enthusiasm. One of the company’s key selling points is that all their insurance products are fully sharia-compliant Takaful (Islamic insurance). The company aims to put the customer first and maintain stability by spreading risk.

Watania offers takaful insurance for both individuals and businesses. In addition to car insurance, you can buy medical, travel, and home insurance, as well as insuring yourself for personal accident.

The National Takaful Company, abbreviated to Watania (as ‘watania’ translates from Arabic as ‘national’), was founded in 2011 with backing from Abu Dhabi National Islamic Finance, the Abu Dhabi National Insurance Company, the Abu Dhabi National Energy Company and Aldar Properties. In 2014 MB Holding, an Oman-based conglomerate acquired a 60.5% stake in the company. Since then the company has gone on to pick up Global Banking & Finance Review Awards.

Watania has a Sharia Supervisory Committee made up of the respected Islamic scholars Dr. Ahmad AbdulAziz Al Haddad, Dr. Mohamad Akram, and Dr. Ghassan Taher.

Watania Car Insurance Contact Details

Abu Dhabi (Head Office)

4th Floor, Al Jazira Sports Complex, Tower “A”

Al Muroor Rd. (4th St.) – Opposite to Dusit Thani Hotel

PO Box 6457

Abu Dhabi, UAE

+971 (2) 613 8888

Fax: +971 (2) 613 8800


4th Floor, Building No. 4, Office No. 414

Emaar Business Park

Sheikh Zayed Road

Dubai, UAE

+971 (4) 427 5900

Fax: +971 (4) 450 8366

Why buy Watania Car Insurance?

Watania offers both Third-Party and a comprehensive car insurance policy. They also offer fleet insurance for companies with a number of vehicles.

The third-party insurance is the legal minimum insurance required by law in the United Arab Emriates. It will protect you against the liability towards the death, injury or damage to property of any third party, in other words it protects anyone else you might be in an accident with.

In addition to third-party cover, the Watania Comprehensive Car Insurance Policy will protect you, your driver, your vehicle and accessories. This includes both cover for both driver and passenger, a battery jump-starting service, mechanical and accident towing service, excess waiver on windscreen damage, roadside assistance, car registration service, off-road cover, a discounted international driving license (IDP), emergency medical expenses, additional benefits from IMC, natural calamity.

Value added extras

Watania provides some benefits and extra coverage that other insurance companies do not, this includes a discount when you buy an international driver’s permit (IDP), which you need for countries such as Bahrain, if you want to hire a car or stay longer than 90 days. 

Watania also covers damage to your vehicle by natural calamity, which includes a) riots, strikes or civil commotion b) flood, storm, typhoon, cyclone, hurricane, earthquake or other convulsions of nature. This is often referred to as ‘acts of God’ in the insurance business and not always covered by insurance. Watania is unusual in this respect.

Also, under IMC benefits you can take advantage of a number of car and motor related products and services.

Watania Claims Process

Before you make you claim you need to have the four following documents to hand:

  1. Policy number and policy type
  2. Driver’s license
  3. Copy of your car registration card (or Mulkiya), (both sides)
  4. Police report

Watania allows you to submit a claim over the telephone, via email, or WhatsApp.

Firstly, report your claim by emailing [email protected], phoning 800WATANIA (9282642), or getting in touch via WhatsApp on 0566988915. You will have to give them your policy number, so make sure you have that to hand.

Secondly, upload your driver’s licence, Mulkiya, and police report on the Watania claims page. You can also mention your preferred garage location at this stage, although the company will let you know about the nearest to you.

Thirdly, wait for as little as 72 hours for your claim to be settled.

Watania FAQs

What is the deductible amount?

This is the amount ‘borne by the insured’, in other words it is the amount that you have to pay. For instance, if the deductible is AED 500 and the damage to your car amounts to AED 4,000, you will pay the first AED 500 and Watania will pay the remaining AED 3,500.

How to claim third-party insurance?

If you get in an accident with someone else (‘another party’), and they are responsible, you have to claim damages through their third-party insurance.

When should I renew my motor insurance?

The law in the UAE states that all vehicle owners much have at least third-party insurance at all times, however you the government does give you a month-long grace period to find a new deal once your yearlong policy expires.

Can I pay my Watania insurance premium online?

Yes, just visit the Watania online payment portal to pay your premium over the internet.