• To expedite the processing of your claim, we kindly request that you send the following documents to our dedicated email address, motorclaims@watania.ae:
  1. A copy of the Police Report pertaining to the incident
  2. Your Takaful (insurance) policy number
  3. Copies of both sides of your vehicle registration card
  4. A copy of your driver's license
  5. Spot Photographs of your vehicle from all four sides
  6. A video of the vehicle, if available
• Providing these documents promptly will enable our expert team to swiftly assess the damage to your vehicle
• Once our team has completed the assessment, we will provide you with an update on the status of your claim and proceed with the appropriate financial settlement in accordance with the terms of your Takaful certificate.

• Once the claim is registered, our Motor Claims team will diligently work on assessing the damage to your vehicle based on the spot photos, videos, and observations made by our surveyor.
• If the assessment determines that your car requires repair, we will promptly issue a repair approval (LPO) to the appropriate garage to commence the necessary work. However, we kindly request your patience and understanding during this process, as the recent heavy rain event has resulted in a higher-than-usual demand for repairs, which may temporarily impact the garages' capacity to handle the increased workload.
• Rest assured that we are dedicated to providing you with the best possible service and will keep you regularly updated on the status of your vehicle's repair.

• Please contact our dedicated roadside assistance partner, IMC, by calling 600575751. Our team will log your request and arrange for your car to be transferred to the required location.
• However, we kindly ask for your patience and understanding during this time, as the heavy rain has resulted in a higher-than-usual demand for this service.
• Rest assured that we are working diligently to support all our customers during this challenging period, and we will do our best to attend to your request as promptly as possible.

• We sincerely apologize for the inconvenience, however, we kindly ask for your patience and understanding during this time, as the heavy rain has resulted in a higher-than-usual demand for this service. Consequently, there may be some delays beyond our standard timeframe in providing the assistance you need.
• We kindly ask you to reach out to our dedicated customer service team by calling or sending a WhatsApp message to 800WATANIA. Our representatives will promptly assist you.

• We sincerely apologize for the inconvenience you have experienced while trying to repair your car at one of our approved garages. We ask for your patience as the current situation has led to a high demand for repair services, resulting in limited availability at our partner workshops.
• However, please be assured that we have an alternative solution to ensure that your vehicle receives the necessary repairs in a timely manner. To accommodate your needs, we are offering you the option to take your car to a workshop of your choice, provided that it offers repair services similar to those outlined in your policy.
• To proceed with this alternative, we kindly request that you register your claim by providing us with the necessary documents, along with spot photos and videos of your car prior to the repair.
• You will need to email us your policy number, Police Report, copies of both sides of your car registration card and your driver’s license. Additionally, we will require from the workshop the following:
  1. Four side photos
  2. Chassis number photos
  3. Engine bay photo
  4. Interior photos
• Please also submit an estimate from your chosen garage, which will allow us to confirm our liability and proceed with the repair process.
• Once the repair work is completed, we will require you to submit the repair invoice and spot photos of the car. Alternatively, to ensure the quality of the repair, our surveyor may visit the workshop to verify the completion of the work before processing the reimbursement.
• We appreciate your patience and understanding during this challenging time. Our team is committed to providing you with the best possible support and ensuring that your car is repaired to your satisfaction.

• In the unfortunate event that your car is declared unrepairable and deemed a total loss, please rest assured that you will receive compensation in accordance with the terms of your Takaful certificate.
• Our dedicated team will conduct a thorough assessment of your vehicle, taking into account factors such as depreciation and any applicable deductibles, as outlined in your Takaful agreement. Based on this assessment, we will determine the appropriate compensation amount to which you are entitled.
• We will then guide you through the process of transferring the car ownership to Watania. Upon completion of the ownership transfer, we will promptly process the payment, ensuring that you receive your compensation in a timely manner.

• Yes you can. To initiate the claim process, we kindly request that you send the necessary documents to our dedicated email address, motorclaims@watania.ae The required documents include your policy number, a copy of the Police Report, copies of both sides of your vehicle registration card, and a copy of your driver's license.
• Additionally, we need the below from the garage/ workshop:
  1. Four side photos
  2. Chassis number photos
  3. Engine bay photo
  4. Interior photos
• Once we have received the required documents, the next step is to obtain a repair estimation from your preferred garage/ workshop. Please submit this estimate to our Motor Claims department for review and approval. This step is crucial to ensure that the repair work is carried out in accordance with your policy and our standards.
• Upon completion of the repair work, kindly submit the repair invoice along with spot photos of the repaired vehicle to our team. In some cases, our surveyor may need to visit the workshop to verify the quality and completion of the repair before processing the reimbursement. This is to ensure that your vehicle has been restored to its pre-damage condition and that the repair work meets our quality standards.
• Rest assured that we are committed to providing you with the support you need to ensure a smooth and satisfactory resolution to your claim.

To file a claim for your flooded house, kindly send an email with your claim details and policy number to nonmotorclaims@watania.ae  Please rest assured that this initial claim submission will suffice to register your claim, even without supporting documents at this stage. Our team will proactively reach out to you to guide you through the next steps in the claims process.

To initiate your property claim, we request you to send us an email along with your policy number. We have simplified the process for your convenience, and this initial communication will be adequate to register your claim. Kindly note that we will not require any additional documents at this point, and you will receive an acknowledgement email from our side confirming the registration of your claim.

Generally, property damage due to rains/floods is covered for buildings, but the coverage for contents may vary depending on the policy. We recommend that you review your Takaful certificate terms and conditions for specific coverage details. Alternatively, please feel free to contact our call centre on 800WATANIA (9282642), operational 7 days a week from 8am to 7pm, for personalized guidance on your policy coverage.

We kindly ask you to refer to your specific Takaful certificate terms and conditions for details on your coverage. Alternatively, please feel free to contact our dedicated call centre on 800WATANIA (9282642), operational 7 days a week from 8am to 7pm for more details.

We kindly ask you to refer to your specific Takaful certificate terms and conditions for details on your coverage. Alternatively, please feel free to contact our dedicated call centre on 800WATANIA (9282642), operational 7 days a week from 8am to 7pm for more details.

We kindly ask you to refer to your specific Takaful certificate terms and conditions for details on your coverage. Alternatively, please feel free to contact our dedicated call centre on 800WATANIA (9282642), operational 7 days a week from 8am to 7pm for more details.

Please be informed that we do not stipulate any specific exclusions for expediting property damage claims that are valid under Takaful Certificate terms and conditions Rest assured that we are committed to providing exceptional service to all our clients and will manage every claim with utmost diligence and efficiency to ensure faster settlement.

Our Claims Command Centre is fully equipped with dedicated resources who are diligently assessing and processing claims as efficiently as possible. Upon receipt of your initial claim submission, we may assign a Loss Adjuster, Contractor, or our internal Surveyor to visit your property and assess the damages. However, given the unprecedented volume of claims, there might be some unavoidable delays. Rest assured; we are committed to expediting your claim assessment to the best of our abilities.

We have set up a dedicated Command Centre with cross-functional resources to manage customer inquiries and claims processing. Our team is working relentlessly to process all claims as swiftly as possible.

Once the settlement terms are agreed by insured, we will strive to settle the claim within 48 hours up to AED 100,000/- while above AED 100,000 as per our standard Turn Around Time of seven working days.

Typically, premiums are reviewed based on the policyholder's claims history at the time of policy renewal. For personalized advice on your specific case, we encourage you to contact our call centre on 800WATANIA (9282642), available 7 days a week from 8am to 7pm, where our representatives will be happy to assist you.