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Keeping you and your Car on the move & protecting you from the unexpected! Watania Motor Insurance is designed to keep you on the move and prepare you for the unexpected. Car damage causes a lot of inconveniences and we understand you are busy with family and work commitments so we keep our process simple and convenient. Check out the types of motor insurance policy offered by Watania in Dubai, UAE.
1) Watania Comprehensive Car Insurance Policy
Comprehensive insurance provides coverage to your Vehicle and its accessories accidentally or unintentionally by you or the driver of your car. Watania Motor Insurance policy also covers any liability towards the Third Party Property Damage or Bodily Injury / Death arising due to you or your driver’s negligence.
2) Watania Third Party Liability Car insurance
Third-Party Car Insurance protects you against the liability towards the third party be it damage to their vehicle, property, or bodily injury/death
Get Answers to Common Queries Related to your Car Insurance
Here’s what you should look for to pick the right car insurance for your vehicle: Insurance Buying Process, Right IDV, Service benefits, Customer Support, Claim process, and Claim Settlements.
Watania Motor insurance covers the cost of repair/ damage to your vehicle, in case of an accident, injury and/or loss of life of any occupant in the insured vehicle and/or a third party involved in the incident.
IDV is the ‘sum insured’ in the car policy. It is the amount your car is insured for.
To file a Motor Insurance Claim in Dubai, UAE, simply follow 4 steps process - call the police, inform your insurance company, take pictures of the incident and car damage, and study your motor insurance policy for cover.
It is the portion of a loss borne by the Insured when the risk occurs
It is the process whereby an insurance company bears all or part of the risk that has already borne by another company, in exchange for a premium paid by the company that originally borne the risk; This is called the reinsurance premium.
Third-party insurance covers only damages to the third party and not own damage. So in case of third party damage, in the event of a collision, both the parties need to call the police. Once the police give the report, the party not at fault must inform the insurance company.
The insurance company will then contact the falter's insurance company for damage amount recoveries. Only if the person at fault has an active third party insurance policy, can the other party's car be repaired?
Third-Party Motor insurance or third-party liability cover, which is sometimes also referred to as the 'act only' cover, is a legal necessity under the Motor Vehicle Act.
Benefits of Third Party Motor Insurance Policy.
Third-Party Motor Insurance protects you against the liability towards a Third Party/ Injured Party in case of an accident subject to vehicle insurance, whether it emerges from the use or parking of the Motor Vehicle in UAE during the insurance period.
UAE traffic department provides you with a one-month grace period to renew your vehicle registration? So once your 12-month registration expires, you have an extra penalty-free month to renew it.So it is advisable that you get proactive and take this time to do the research and compare your options to find a good deal.
Your car insurance policy premium is calculated depending on factors- Your age and driving experience, your traffic/ accident history, the age of your vehicle, the type of vehicle you own and the benefits you opt for.