This cover ensures a round-the-clock emergency support on the road including but not limited to towing service, battery boosting service, tire change etc.
Agency Repairs
All brand new cars are repaired at the authorised agency or dealership in case of accident, provided the vehicle is no more than two years old. Terms and conditions apply.
Ambulance Service
Emergency medical transport can be arranged following an accident when needed.
Car Hire Allowance
Helps with reimbursement of car rental between 7 to 10 days while the vehicle is under repair due to an accident. This is an optional cover.
Fire & Theft Cover
This cover protects a vehicle against any financial loss caused by fire or theft.
Loss of Personal Belongings
Personal items inside the vehicle are covered during insured incidents.
Loss or Damage Cover
Protects vehicles against accidental loss or damage.
Oman Cover Extension
This cover offers extended protection while driving within the Sultanate of Oman. This is an optional cover. T & Cs apply.
Personal Accident (PA) Cover
Personal Accident cover provides compensation for accidental death or bodily injury, including medical expenses, for the driver and passengers.
Third Party Bodily Injury
Financial protection if injuries are caused to others and the insured is legally responsible.
Third Party Property Damage
Protects against any unintentional damage caused to someone else's property.
Windscreen Damage
Repair or replacement is arranged if the windscreen is damaged.
Click here, or login to our Mobile App or Web Portal
STEP 2
Provide the required information
STEP 3
The policy is issued instantly
Value Added Services
Our policies are loaded with tons of value added services to support you when you need the most. Why? Because we ‘Care Beyond Coverage’!
ADCB TouchPoints
Earn ADCB TouchPoints with your Al Wathba Insurance purchase or pay for a policy redeeming your TouchPoints.
Airport Meet & Greet
Receive dedicated assistance at the airport to help you move smoothly through arrival or departure procedures.
Airport Pick-Up or Drop-Off
Enjoy convenient transport to or from the airport within the same city, helping make your travel experience easier.
Automobile Towing
Safe transport to the nearest repair garage is arranged when required.
Battery Boost Service
We provide jump-starting services for your battery as part of our 24/7 Roadside Assistance benefit.
Breakdown Recovery Service
Recovery support is arranged if the vehicle cannot be driven.
Car Registration Service
Enjoy car registration support included with your policy, making the registration process faster and easier.
Digital Claims Management
Easy digital claim submission and tracking are available through the online platform or mobile app.
Emergency Fuel Service
If you run out of fuel, fuel will be delivered so you can continue your journey.
Etihad Guest Miles
Earn Etihad Guest Miles with your Al Wathba Insurance purchase.
Flat Tire Service
Roadside assistance is available to repair or replace damaged tires.
Free International Driving License
Receive a free International Driving License with your Motor Insurance policy, helping you drive legally when travelling abroad.
Instalment Payment Options
Premium payments can be split into flexible installments through Tabby to make budgeting easier.
Lock Out Service
Assistance is available when keys are locked inside the vehicle.
On-road / Off-road Incident Response Services
When your car gets stuck, breaks down, or has an accident, help is arranged wherever you are.
Special Discounts from Our Partners
We offer a Loyalty Program that provides exclusive discounts across a range of lifestyle, dining, wellness, entertainment, and essential service partners.
How to file a claim?
STEP 1
Initiate a claim on the Al Wathba Insurance App or Web Portal
STEP 2
Submit proof and other documents
STEP 3
Track your claim on our Web Portal and App
Everything you need to know, available to download.
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I only have Third Party Liability insurance. What does it cover?
Third Party Liability covers damage or injury caused to other people, their vehicles, or property. It does not cover damage to your own vehicle.
Do you provide cover for high-value or sports cars?
Yes. Coverage is subject to underwriting approval based on vehicle type, value, and risk profile.
Do you insure older vehicles?
Yes. Coverage depends on vehicle age, condition, and underwriting assessment.
Does my policy include trailer cover?
Yes. Trailer cover is available depending on policy type and selected add-ons.
Does my Motor Insurance cover me in Oman?
Oman cover is available as an optional extension depending on your policy.
Does my policy include Roadside Assistance outside the UAE?
Roadside Assistance is typically available within the UAE. GCC coverage depends on policy terms and extensions selected.
Who is considered a Young Driver?
A Young Driver is typically defined as a driver below 25 years old or with limited driving experience. Additional excess or premium may apply.
Can other drivers drive my car under my insurance?
Yes, provided they hold a valid driving licence. Policy excess may apply at the time of claim as per policy conditions.
Does my driving history affect my premium?
Yes. The claims history and driving record may impact pricing.
What is the minimum policy period?
Motor Insurance policies are typically issued for 13 months.
Can I cancel my policy if I sell my car?
Yes. You will need to provide proof of sale or ownership transfer.
Can I cancel my policy at any time?
Yes. Policy refund is subject to unified motor policy wordings as per CBUAE and applicable cancellation fees.
Will I get a refund if I cancel my policy early?
Refunds are calculated based on short-rate basis subject to unified motor policy wordings as per CBUAE and applicable cancellation fees.
Can I transfer my policy to a new vehicle owner?
Motor Insurance policies cannot be transferred to another owner. A new policy must be issued.
What is excess (deductible)?
Excess is the amount you pay towards a claim when you are at fault, or when the cost cannot be recovered from another party. We pay the rest of the approved claim amount.
Why might I be charged multiple excesses?
Multiple excesses may apply if multiple conditions are triggered, such as Young Driver excess plus standard excess.
How long does a claim take to process?
Claim timelines depend on documentation, police report, and repair approvals. You will receive updates throughout the process.
How do I receive claim payments?
Payments are processed via bank transfer or directly to the repair workshop depending on claim type.
What is the difference between Agency and Non-Agency repair?
Agency Repair: Repairs completed at manufacturer-authorized workshops.
Non-Agency Repair: Repairs completed at approved network garages.
Can I get lifetime Agency Repair cover?
Lifetime Agency Repair may be available for eligible vehicles based on policy selection.
Which garages will repair my vehicle?
Repairs are completed at authorized agency workshops or approved network garages based on your policy.
What Roadside Assistance services are available?
Services may include:
Mechanical breakdown assistance
Accident towing
Battery boost
Flat tire replacement
Fuel delivery
Lock-out assistance
What is the Roadside Assistance contact number?
Phone & WhatsApp: 600 544 040
If I have rent-a-car cover, will I receive a similar vehicle?
Vehicle category depends on policy terms and availability.
Can I receive cash instead of a rental car?
Cash reimbursement may be available depending on policy terms and eligibility.
Will I get an alternative car during repairs?
Yes, if Car Hire Allowance is included in your policy and subject to claim eligibility.
What is Sum Insured?
The Sum Insured is the maximum amount payable for total loss or theft of your vehicle.
How is Sum Insured calculated?
It is based on market value, vehicle age, condition, and depreciation.
What is No Claims Discount (NCD)?
NCD is a discount on your premium for each claim-free year.
What is NCD Certificate and why do I need to provide?
An NCD (No Claims Discount) certificate is a letter issued by your previous insurer confirming your claim-free driving history. You are requested to share this certificate with us so that we can verify your claims record and apply the No Claims Discount you are eligible for on your premium and/or offer you enhanced coverage.
How do I renew my Motor Insurance policy?
You can renew via our website, mobile app, or our branches. You may also reach out to us via email, WhatsApp or call to renew your policy.
How will I know my renewal date?
You will receive 1-click renewal notifications via SMS & email. Our team will also reach out to you before your renewal is due.
What happens if I don't renew on time?
Driving without valid insurance is illegal and may result in fines and penalties.
What do I need to submit a Motor Insurance claim?
Typically required:
Police report
Vehicle registration (Mulkiya)
Driving license
Photos of vehicle damage
Contact details
Is Motor Insurance mandatory in the UAE?
Yes. All vehicles must have valid Motor Insurance to be legally driven on UAE roads.
Does Motor Insurance cover hit-and-run accidents?
Coverage depends on policy type and police report classification.
If my car cannot move after an accident, can I request towing?
Yes. Towing is available through Roadside Assistance services.
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