Watania Comprehensive Car Insurance
When it comes to safeguarding our vehicles, finding reliable and comprehensive car insurance is of paramount importance. In this pursuit, ...read more
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With Watania Takaful comprehensive car insurance, you can avail of a wide range of benefits and protection. From coverage for accidents, theft, and vandalism to protection against third-party liabilities, the company’s insurance plans are designed to ensure the best financial security for your vehicle.
Moreover, with a dedicated team of professionals and a seamless claims process, Watania Takaful car insurance prioritises customer satisfaction and aims to provide swift assistance during any unforeseen circumstances.
Difference between Watania Comprehensive Car Insurance and Third-Party Insurance Plan
Watania Takaful is known for offering both comprehensive and third-party liability car insurance in UAE. Comprehensive car insurance and third-party car insurance differ in their coverage and benefits.
Comprehensive car insurance provides extensive coverage for both the policyholder’s vehicle and third-party damages. It covers damages caused by accidents, theft, vandalism, and natural disasters, and offers personal injury protection.
Third-party insurance, in contrast, only covers damages caused to the other party involved in an accident including property damage and bodily injury. It does not provide coverage for the insured person's vehicle.
While comprehensive car insurance offers broader protection, it is usually more expensive than third-party insurance, which is a more basic and cost-effective option for those seeking minimal coverage.
The table drawn below depicts the difference between Watania comprehensive car insurance and third-party car insurance in the UAE -
| Benefits | Comprehensive Car Insurance | Third-Party Car Insurance |
|---|---|---|
| Damages incurred by own vehicle | Covered | Not Covered |
| Damages incurred by third-party vehicles | Covered | Covered |
| Oman extension | Covered | Not Covered |
| Third-party physical injuries | Covered | Covered |
| Garage/agency repairs | Covered | Not Covered |
| Loss of personal belongings | Covered | Not Covered |
| Emergency medical expenses | Covered | Not Covered |
| Off Road Cover | Covered | Not Covered |
| Coverage for Riots/Strikes/MD | Covered | Not Covered |
| Roadside assistance | Covered | Not Covered |
| Protection against natural disasters/perils | Covered | Not Covered |
Car Insurance Addons
Inclusions for Watania Comprehensive Car Insurance Plan
Here are the primary inclusions for Watania comprehensive car insurance plans -
- Round-the-clock roadside assistance
- No claims discount
- Cover for windscreen damage
- Agency/garage repairs
- Car replacement in case of theft
- Coverage for damages incurred by own vehicle in Oman and the UAE
- Emergency medical expenses coverage
- Taxi fares
- Personal injury coverage
- Cover for valet parking
- Fire and theft cover
- Child car seat replacement coverage
- Emergency repair expenses
- Car hire cash benefit
- Cover for damages incurred due to MD/strikes/riots
- Ambulance service cover
- Lock replacement cover
- Off road cover
- Roadside assistance - accident and breakdown recovery, battery service flat tyre service, fuel delivery service, mechanical assistance, towing service, car registration service, and lockout service
Exclusions for Watania Comprehensive Car Insurance Plan
Given below are the major exclusions of Watania comprehensive car insurance -
- Airport pick and drop service
- Accidental loss of employment insurance
FAQ's
Ans: Comprehensive coverage encompasses incidents such as collisions, animal impacts, fires, thefts, and acts of vandalism.
Ans: In case your car experiences structural damage to its chassis or pillars, or if the cost of repairs exceeds 50% of the car's depreciated value, it’d be classified as a case of total loss or irreparable damage.
Ans: After evaluating the extent of the damage to your vehicle, if the insurance company determines that repairing it would not be cost-effective, it will contact you within two business days to discuss reaching a settlement. Once an agreement has been reached, a payment will be issued within 5 business days for the agreed-upon amount.
Ans: The riders include personal accident cover, natural calamity cover, replacement of vehicle, Oman extension, DynaTrade repair, and more.
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