FAQ

Anyone with a UAE residence visa is eligible to apply.

Yes, you can apply to include family members.

Immediately after an accident:

• Check to see if any parties need urgent first aid attention.
• Do not move any vehicle unless it is endangering traffic.
• Contact the police; also medical services if necessary.

Once help is on the way:

• Record the vehicle identification number (VIN) and license plate numbers of all vehicles involved.
• Exchange the following information with other driver(s):
  • Names
  • Addresses, phone numbers, and insurance information
  • Avoid discussing the accident until the authorities arrive
  • Take photos of damage
  • Once you have the necessary information, contact us to report the details of the incident

To submit a claim with your insurance provider, you need to first file a police report.

If more than one driver is involved, it is essential to get proof of the exact damage to the vehicles or personal injuries resulting from the accident.

Yes, it is possible for your Contribution rate to increase after submitting a claim depending on your policy.

Our Comprehensive policies cover your own vehicle and its occupants including yourself, as well as third parties such as a vehicle or person with which you are in collision.

A collision including with an animal, fire, theft, and vandalism can all be included under comprehensive coverage according to the terms of your policy.

Anyone with a UAE residence visa is eligible to apply.

Yes, you can apply to include family members.

Immediately after an accident:

• Check to see if any parties need urgent first aid attention.
• Do not move the vehicles unless they are endangering oncoming traffic.
• Contact the authorities for medical and police services.

Once help is on the way:

• Gather the vehicle identification number (VIN) and license plate numbers of all vehicles involved.
• Exchange the following information with the other driver(s):
  • Names
  • Addresses, phone numbers, and Takaful (Islamic Insurance) information
  • Avoid discussing the accident until the authorities arrive
  • Take photos of damages
  • Once you have the necessary information, contact us to report the details of the incident

• To submit a claim with your Takaful (Islamic Insurance) provider, you need to first file a police report.
• If more than one driver is involved, it’s essential to get proof of the exact damage to the vehicles or personal injuries resulting from the accident.

An agency repair means your vehicle is repaired at the same dealership that sold it originally. A non-agency repair means it is repaired at a different garage, which is often less expensive. Our policies can allow both options.

If you choose to use one of our recommended repairers:

• We will arrange for the collection and repair of the vehicle.
• If your car is not driveable, it will be collected as soon as possible.
• If it is driveable, it will be booked in for assessment.
• Once we have an estimate of the cost of the repairs, we will authorise the repairs and then the repairer will let you know when your car will be fixed.
• When the repairs are completed, the repairer will contact you to arrange the delivery or collection of the car.

If you choose to use your own repairer:

• They will need to send us first a repair estimate including cost of paint, materials, labour, and any required parts. It’s also important they share with us images of the damaged areas to assess.
• Our surveyors will then liaise with them to get an estimate as low as the one received from our recommended repairers.
• Then the repairs will be authorised within 2 working days.

You or the covered driver can benefit from roadside assistance if outlined in their policy by asking the International Motoring Club (IMC) to pick up the vehicle from the location of the accident or breakdown to deliver to the repair garage recommended by Watania Takaful. Upon completion of repairs, the participant must liaise with repairer directly to arrange in person collection or organize own method for delivery of the car.

• Yes, you can use your own repairer however please note the following:

• They will need to send us first a repair estimate including cost of paint, materials, labour and any required parts. It’s also important they share with us images of the damaged areas to assess.
• Our surveyors will then liaise with them to get an estimate as low as the one received from our recommended repairers.
• Then the repairs will be authorised within 2 working days.
• The repairer is not contractually obliged to provide a specific level of service to you.
• We will not be able to assist you with any aftercare issues.
• We will not guarantee the repairs carried out by a repairer outside our recommended network.

• Alternatively, we may offer an amount as cash settlement which is equivalent to the lowest estimate received from our recommended repairers. This will be subject to our inspection to confirm completion of repairs to your car.

• The repairer will contact you once the repairs are completed. If you have any questions about the progress of the repairs, you may call them directly in the first instance. If you need any further support, please call our Call Centre on 800 – WATANIA (9282642).

• If you use one of our recommended repairers, all the repairs (including paintwork) are guaranteed for one year. This does not affect your statutory rights.
• If you use your own repairer, you will need to check with them.

• If you use one of our recommended repairers, initially please contact the repairer who carried out the repairs to your car.
• If you are still not satisfied, please contact our Call Centre on 800 – WATANIA (9282642).
• If you use your own repairer, you will need to check with them.

• Please refer to your Takaful certificate for the details of your Schedule for Replacement Car Benefit and applicable deductibles.

• If you are covered for a replacement car and you are involved in an accident for which you were at fault, and you use one of our recommended repairers, you will be provided with a courtesy car while your car is being repaired.

• If you are covered for replacement car or not, and you are involved in an accident for which you were not at fault, and you used one of our recommended repairers, you will be provided with a courtesy car to a maximum of 15 days or to a maximum of AED 300/- per day to a maximum of 15 days, while your car is being repaired by them.

• Alternatively, you may be able to arrange for renting a car and we will reimburse an agreed amount if your car is repaired by our recommended repairers. To confirm your options or apply for the replacement car benefit, please call our Call Centre on 800 – WATANIA (9282642).
• You are not entitled to a courtesy car or compensation for courtesy car if your car is a write off, stolen or you prefer a cash settlement instead of repair by our recommended repairers.

• Please refer to the Schedule enclosed in your car Takaful certificate (Islamic Insurance coverage) for the specifics.
• You may contact our Call Centre on 800 – WATANIA (9282642) for any clarifications or support.

• As a priority, please ensure you are physically safe and seek help if needed.
• Gather as much information as you can to help police and us to identify the other vehicle.
• Try to find and get contact information from any witnesses.
• Contact us to report the accident details and we will:

• Deal with the damage to your car immediately
• Agree on a settlement and process any related payments due to you under your motor Takaful within 7 working days

• We will then seek to recover the cost of the claim from the person responsible for the accident, should you be able to provide their contact details.

• If the cost of the claim can be recovered from them, there will be no deductibles or change to your claim discount.
• If the cost of the claim cannot be recovered from them, deductibles payment applies and there may be a change to your claim discount.

• If your Takaful certificate (insurance policy) has a Named Driver Clause, then the only drivers covered in case of an accident are those specifically listed in the certificate. Any other drivers not listed will not be covered.
• Please see your Schedule for details of how it affects your no-claim discount and applicable deductibles.

• In the UAE, all vehicles are required by law to have at least a Third-Party Liability insurance that pays for the damages caused to other parties in case of an accident.
• Please refer your car Takaful certificate to ensure you have the right coverages to support the type of claim you are submitting.
• If you are covered, we will:
• Deal with the damage to your car immediately
• Agree on a settlement and process any related payments due to you under your motor Takaful within 7 working days

• We will then seek to recover the cost of the claim from the person responsible for the accident, should you be able to provide their contact details.

• If the cost of the claim can be recovered from them, there will be no deductibles or change to your claim discount.
• If the cost of the claim cannot be recovered from them, deductibles payment applies and there may be a change to your claim discount.

If your car is not recovered:

• We will contact you within 5 working days of submitting the final police report to discuss and agree valuation for your car.
• During this period, you will not have access to a courtesy car.

If your car is recovered with repairable damages:

• We will assess it and recommend it for repair by one of our recommended repairers.
• When the repairs are completed, the repairer will inform you to collect your car.
• A courtesy car will be provided during this period.

If your car is recovered with damages beyond economic repair:

• We will contact you within 5 working days of confirming that your car is a write-off to discuss and agree its valuation.
• We will issue a payment within 5 working days of agreeing settlement.
• You will need to arrange for all personal belongings to be removed from the car and send the items for your car to us.
• During this period, you will not have access to a courtesy car.

If your car is recovered undamaged:

• We will contact you to discuss the return of your car to you.
• The claim will be closed and will not affect your claim discount or deductibles unless we incur costs in recovering and securing your car. You may safeguard your no-claim discount and applicable deductibles by reimbursing us for the costs we incur.
• During this period, you will not have access to a courtesy car.

If the car sustained structural damages to chassis or pillars, or if the value of the repairs is higher than 50% of the depreciated value of the car, we consider it a total loss or beyond repair.

After assessing the damage to your car, if we consider that it is uneconomical to repair it, we will call you within 2 working days to agree a settlement then a payment will be issued within 5 working days for the amount agreed.

• If your car is a write-off and we have agreed a settlement, we will issue a payment within 5 working days.
• If your car has been stolen and not found or written-off, we will call you to discuss and agree a settlement. Then we request you to please send us the following by Recorded Delivery:
  • Vehicle Ownership Certificate in Watania name.
  • Subrogation & Discharge Receipt
  • Service documents
  • All keys
• Once we have received all these items, we will issue your settlement payment within 5 working days.

Our Loss and Damage policies cover your own vehicle only.

Anyone with a UAE residence visa is eligible to apply.

Yes, you can apply to include family members.

Immediately after an accident:

• Check to see if any parties need urgent first aid attention.
• Do not move the vehicles unless they are endangering oncoming traffic.
• Contact the authorities for medical and police services.

Once help is on the way:

• Gather the vehicle identification number (VIN) and license plate numbers of all vehicles involved.
• Exchange the following information with the other driver(s):
  • Names
  • Addresses, phone numbers, and Takaful (Islamic Insurance) information
  • Avoid discussing the accident until the authorities arrive
  • Take photos of damages
  • Once you have the necessary information, contact us to report the details of the incident

• To submit a claim with your Takaful (Islamic Insurance) provider, you need to first file a police report.
• If more than one driver is involved, it’s essential to get proof of the exact damage to the vehicles or personal injuries resulting from the accident.

An agency repair means your vehicle is repaired at the same dealership that sold it originally. A non-agency repair means it is repaired at a different garage, which is often less expensive. Our policies can allow both options.

•  If you choose to use one of our recommended repairers:
  • If the car is not driveable you would be eligible for support from our towing service provider.
  • If it is driveable, it will be booked in for assessment.
  • Once we have an estimate of the cost of the repairs, we will authorise the repairs and then the repairer will let you know when your car will be fixed depending on the damage.
  • When the repairs are completed, the repairer will contact you to collect your car.

• If you choose to use your own repairer:
  • The repairer will need to send us first a repair estimate including cost of paint, materials, labour, and any required parts. It’s also important they share with us images of the damaged areas to assess.
  • Our surveyors will then liaise with them to get an estimate as low as the one received from our recommended repairers.
  • Then the repairs will be authorised within 2 working days.

You or the covered driver can benefit from roadside assistance if outlined in their policy by asking the International Motoring Club (IMC) to pick up the vehicle from the location of the accident or breakdown to deliver to the repair garage recommended by Watania Takaful. Upon completion of repairs, the participant must liaise with repairer directly to arrange in person collection or organize own method for delivery of the car.

• Yes, you can use your own repairer however please note the following:
  • They will need to send us first a repair estimate including cost of paint, materials, labour and any required parts. It’s also important they share with us images of the damaged areas to assess.
  • Our surveyors will then liaise with them to get an estimate as low as the one received from our recommended repairers.
  • Then the repairs will be authorised within 2 working days.
  • The repairer is not contractually obliged to provide a specific level of service to you.
  • We will not be able to assist you with any aftercare issues.
  • We will not guarantee the repairs carried out by a repairer outside our recommended network.
• Alternatively, we may offer an amount as cash settlement which is equivalent to the lowest estimate received from our recommended repairers. This will be subject to our inspection to confirm completion of repairs to your car.

The repairer will contact you once the repairs are completed. If you have any questions about the progress of the repairs, you may call them directly in the first instance. If you need any further support, please call our Call Centre on 800 – WATANIA (9282642).

• If you use one of our recommended repairers, all the repairs (including paintwork) are guaranteed for one year. This does not affect your statutory rights.
• If you use your own repairer, you will need to check with them.

• If you use one of our recommended repairers, initially please contact the repairer who carried out the repairs to your car.
• If you are still not satisfied, please contact our Call Centre on 800 – WATANIA (9282642).
• If you use your own repairer, you will need to check with them.

• Please refer to your Takaful certificate for the details of your Schedule for Replacement Car Benefit and applicable deductibles.

• If you are covered for a replacement car and you are involved in an accident for which you were at fault, and you use one of our recommended repairers, you will be provided with a courtesy car while your car is being repaired.

• If you are covered for replacement car or not, and you are involved in an accident for which you were not at fault, and you used one of our recommended repairers, you will be provided with a courtesy car to a maximum of 15 days or to a maximum of AED 300/- per day to a maximum of 15 days, while your car is being repaired by them.

• Alternatively, you may be able to arrange for renting a car and we will reimburse an agreed amount if your car is repaired by our recommended repairers. To confirm your options or apply for the replacement car benefit, please call our Call Centre on 800 – WATANIA (9282642).

• You are not entitled to a courtesy car or compensation for courtesy car if your car is a write off, stolen or you prefer a cash settlement instead of repair by our recommended repairers.

• Please refer to the Schedule enclosed in your car Takaful certificate (Islamic insurance coverage) for the specifics.
• You may contact our Call Centre on 800 – WATANIA (9282642) for any clarifications or support.

•  As a priority, please ensure you are physically safe and seek help if needed.
• Gather as much information as you can to help police and us to identify the other vehicle.
• Try to find and get contact information from any witnesses.
• Contact us to report the accident details and we will:
  • Deal with the damage to your car immediately
  • Agree on a settlement and process any related payments due to you under your motor Takaful within 7 working days
• We will then seek to recover the cost of the claim from the person responsible for the accident, should you be able to provide their contact details.
  • If the cost of the claim can be recovered from them, there will be no deductibles or change to your claim discount.
  • If the cost of the claim cannot be recovered from them, deductibles payment applies and there may be a change to your claim discount.

• If your Takaful certificate (insurance policy) has a Named Driver Clause, then the only drivers covered in case of an accident are those specifically listed in the certificate. Any other drivers not listed will not be covered.
• Please see your Schedule for details of how it affects your no-claim discount and applicable deductibles.

• In the UAE, all vehicles are required by law to have at least a Third-Party Liability insurance that pays for the damages caused to other parties in case of an accident.
• Please refer your car Takaful certificate to ensure you have the right coverages to support the type of claim you are submitting.
• If you are covered, we will:

• Deal with the damage to your car immediately
• Agree on a settlement and process any related payments due to you under your motor Takaful within 7 working days

• We will then seek to recover the cost of the claim from the person responsible for the accident, should you be able to provide their contact details.

• If the cost of the claim can be recovered from them, there will be no deductibles or change to your claim discount.
• If the cost of the claim cannot be recovered from them, deductibles payment applies and there may be a change to your claim discount.

If your car is not recovered:

• We will contact you within 5 working days of submitting the final police report to discuss and agree valuation for your car.
• During this period, you will not have access to a courtesy car.

If your car is recovered with repairable damages:

• We will assess it and recommend it for repair by one of our recommended repairers.
• When the repairs are completed, the repairer will inform you to collect your car.
• A courtesy car will be provided during this period.

If your car is recovered with damages beyond economic repair:

• We will contact you within 5 working days of confirming that your car is a write-off to discuss and agree its valuation.
• We will issue a payment within 5 working days of agreeing settlement.
• You will need to arrange for all personal belongings to be removed from the car and send the items for your car to us.
• During this period, you will not have access to a courtesy car.

If your car is recovered undamaged:

• We will contact you to discuss the return of your car to you.
• The claim will be closed and will not affect your claim discount or deductibles unless we incur costs in recovering and securing your car. You may safeguard your no-claim discount and applicable deductibles by reimbursing us for the costs we incur.
• During this period, you will not have access to a courtesy car.

If the car sustained structural damages to chassis or pillars, or if the value of the repairs is higher than 50% of the depreciated value of the car, we consider it a total loss or beyond repair.

After assessing the damage to your car, if we consider that it is uneconomical to repair it, we will call you within 2 working days to agree a settlement then a payment will be issued within 5 working days for the amount agreed.

• If your car is a write-off and we have agreed a settlement, we will issue a payment within 5 working days.
• If your car has been stolen and not found or written-off, we will call you to discuss and agree a settlement. Then we request you to please send us the following by Recorded Delivery:
• Vehicle Ownership Certificate in Watania name.
• Subrogation & Discharge Receipt
• Service documents
• All keys
• Once we have received all these items, we will issue your settlement payment within 5 working days.

Most of our policies include a savings plan to help you grow your wealth, combined with Family Takaful (Life) during the term of the policy. These policies include payments to a beneficiary on death of a Participant, and lump sum payments at the end of a term to a surviving Participant. Contribution amounts and term lengths can vary according to need.

Some other policies are purely Family Takaful (Life). We provide a wide variety of coverage that can be flexible to suit your needs.

Anyone who is a UAE national or has a UAE residence visa is eligible to apply.

Yes, you can maintain your policy even if you become a non-resident unless you reside in a UN sanctioned or high-risk country. Please check with Watania Takaful if there is a change in your residency status.

Yes, Watania Takaful’s life and family plans offer you global coverage except when you are travelling in a UN sanctioned or high-risk country.

You can opt for the benefits to be distributed as per Shari’ah or you can select your first-degree relatives as your beneficiaries. In case of business protection plans, the surviving partner or the company itself can be the beneficiary.

No, the beneficiary does not need to be a resident of the UAE.

Yes, you can pay for your policy from overseas.

No, the beneficiary does not need to travel to UAE to raise a claim.

Yes, the beneficiary can receive payment overseas except in UN sanctioned countries.

Yes, you can buy multiple plans

You may be required to undergo medical check-ups to sign up for a life or family policy. Any such check-up will be paid for by Watania Takaful.

They are invested into a fund or funds independently managed by respected institutions and approved by Watania Takaful in line with Shari’ah principles. The funds are designed to achieve a positive financial performance while safeguarding the best interests of policyholders and beneficiaries. Investment strategies range from Moderately Cautious to Aggressive.

Contributions can be made in AED or USD.

Yes, depending on the terms of the plan. For example, Contributions can sometimes be made monthly or annually.

No, everyone is welcome to purchase a plan regardless of their belief. They are highly competitive with conventional insurance plans and deliver an excellent range of benefits.

Yes. Please contact a Watania Takaful service agent who will explain the straightforward and streamlined process.

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We are flexible where possible depending on which plan is involved.

The plan may lapse in some circumstances. Please check your policy or contact a customer service agent.

Our certificates provide financial protection in the event of accidental death or permanent injury due to an accident. Events covered include road accidents, slips and falls, burns, drowning and other unforeseen occurrences.

Anyone who is a UAE national or has a UAE residence visa is eligible to apply for a personal accident certificate.

Personal accident Takaful is especially recommended for those with physically demanding jobs, frequent travelers, or anyone looking for extra protection beyond health and life Takaful.

While health Takaful covers medical expenses for illnesses and injuries, personal accident Takaful specifically provides financial benefits for particular injuries or death caused by accidents. It does not cover hospital expenses as such.

Yes, certificate holders must be between the ages of 18 and 65.

Our Takaful certificates are very varied to suit your needs. We can cover you almost anywhere in the world when you travel from the UAE, with different benefit levels. We can also cover you if you are visiting UAE from elsewhere. We also provide Hajj and Umrah policies.

Coverage includes a range of costs and losses associated with unexpected events while traveling. It can include medical emergencies, trip cancellations, lost luggage, flight delays and other unforeseen circumstances.

Anyone who is a UAE national or has a UAE residence visa is eligible to apply for an outbound policy to cover them outside the country. Anyone can apply for an inbound policy to cover them while they are in the UAE.

Yes, our Takaful certificates have varying contributions if you will visit the USA and Canada, or the Schengen area in the EU.

Yes, in some cases, as detailed in the Takaful certificate. Older travelers pay more in some cases. The length and location of the trip and pre-existing medical conditions can also affect the contributions paid.

No, though you should accurately declare medical conditions as requested otherwise your policy may be invalidated.

Usually, it is best to buy travel Takaful certificate as soon as you book your trip. This ensures you are covered for events between booking and the start of your trip.

Our Takaful Certificates covering travel outside the UAE should be bought before your trip begins. However, we do offer some cover inside the UAE for visitors who are already in the country.

Yes in some circumstances.

In general, it is not mandatory but may be required by certain countries as a condition of entry. Some tour operators and cruise lines also require travelers to have insurance.

Travel insurance excess, also known as a deductible, is the amount you must pay out-of-pocket before the remaining costs of a claim can be covered. The excess amount is specified in your Takaful certificates and can vary depending on the type of claim and coverage selected.

Our certificates provide comprehensive cover for loss or damage for privately owned vessels used for recreational and other purposes as well as death and personal injury.

Third party liability is also covered for injuries and damage to property.

Anyone who is a UAE national or has a UAE residence visa is eligible to apply.

Yes, personal belongings such as fishing gear, electronics and other equipment are covered.

Yes, coverage protects against legal claims and expenses if your boat causes injury or property damage to others. It covers legal fees, settlements, and medical expenses, up to the certificate limits.

Yes in some circumstances.