Watania Takaful is a leading provider of Shari’ah-compliant Takaful insurance solutions in the UAE. It offers a wide variety of coverage options for individuals and businesses.
Watania Takaful operates through two licensed entities: Watania Takaful General PJSC and Watania Takaful Family PJSC. Both are fully regulated in the UAE. The company was formed after the merger of the National Takaful Company (Watania) and Dar Al Takaful, creating one of the largest Takaful groups in the country.
An Internal Shari’ah Supervision Committee oversees the Takaful operations. This committee ensures that products and activities follow Islamic Shari’ah principles and UAE Takaful regulations. Watania Takaful has a strong local presence with full-service offices in Abu Dhabi, Deira, and Jebel Ali.
| Type of Insurance | Description |
|---|---|
| Motor Takaful | Provides coverage for private vehicles, including third-party and comprehensive protection against insured risks. |
| Health Takaful | Individual medical Takaful solutions, including comprehensive coverage and disease management plans. |
| Family-Life Takaful | Plans focused on family protection, long-term financial security, savings, and investment options. |
| Personal Accident Takaful | Protecting in case of accidental death or permanent total or partial disability resulting from unforeseen events. |
| Travel Takaful | Worldwide travel coverage including trip delays, baggage loss, emergency medical expenses, Legal assistance, and passport loss. |
| Marine Takaful (Personal) | Coverage for boat owners, including protection for vessels, crew, passengers, and personal effects. |
| Type of Insurance | Description |
|---|---|
| Fleet Takaful | A single Takaful plan designed to cover an entire fleet of vehicles under one policy. |
| Engineering Takaful | Coverage for construction and industrial risks such as contractors’ all risks, plant & machinery, machinery breakdown, boilers and pressure vessels, deterioration of stock, and loss of profits due to machinery breakdown. |
| Marine Takaful (Commercial) | Coverage for marine and logistics operations including cargo, hull, inland transit, stock throughout, ship repairers’ and stevedores’ liability, and single-shipment cargo risks. |
| Property Takaful | Protection for commercial assets and buildings, including property all risks, fire and allied perils, business interruption, strata Takaful, and sabotage and terrorism coverage. |
| General Accident Insurance | Covers operational risks such as business travel, fidelity guarantee, loss of money, jeweller’s block, commercial crime, bankers’ blanket bond, electronic and computer crime, and plate glass. |
| Casualty & Liability Insurance | Liability coverage including public and product liability, workmen’s compensation, employers’ liability, medical malpractice, professional indemnity, directors’ and officers’ liability, and cyber liability. |
| Employee Benefits Takaful | Group-based solutions including medical, personal accident, credit protection, mortgage and home finance shields, and depositor protections plans. |
| Group Health Takaful | Comprehensive group medical Takaful solutions for organizations of different sizes. |
| Office Takaful | Flexible office insurance packages combining covers such as property all risks, business interruption, public liability, workmen’s compensation, fidelity guarantee, loss of money, plate glass, electronic equipment, and machinery breakdown. |
Some customers choose Watania Takaful for its wide range of Shari’ah-compliant Takaful solutions for both personal and business needs.
The company is recognized for offering products such as fleet, engineering, marine, and strata Takaful, in addition to health and employee benefit solutions.
Its operations follow UAE Takaful regulations and are supervised by an internal Sharia’ah Supervision Committee, which provides customers with structured and compliant options throughout the UAE.
BuyAnyInsurance acts as an independent insurance broker. It helps customers understand the Takaful options available from Watania.
We explain key coverage features, outline available plan types, and assist customers in comparing suitable options based on their needs. We also guide clients through the application and claims support process when necessary.
All insurance policies are issued, managed, and governed by Watania Takaful in accordance with its terms and conditions, as well as relevant regulations.
