FAQs - Frequently Asked Questions

Al Wathba Insurance combines responsive claims support, transparent service, and value-added benefits designed to help customers navigate digital risks with confidence.

You can submit your claim by emailing customercare@awnic.com.Your request will be reviewed and forwarded to the relevant team, who will contact you and guide you through the next steps.

Al Wathba Insurance offers Motor, Health, Home, Travel, Marine, and Cyber insurance for individuals, plus business lines including Fire & General Accident, Engineering, Health, Oil & Energy, Parametric, Marine, Aviation, and Fleet.

Third Party Liability covers damage or injury caused to other people, their vehicles, or property. It does not cover damage to your own vehicle.

Al Wathba Insurance combines financial strength, responsive claims support, and convenient digital services so you can travel with confidence.

The right plan depends on your needs, lifestyle, and level of protection you're looking for. Our solutions are designed to be flexible, so you can choose coverage that fits you best

Claims can be submitted by calling 800 0320402 or emailing claims@cyberman365.com.

Yes. Furniture, appliances, electronics, and personal items are covered under Contents Cover, subject to policy terms.

Anyone who owns or operates a yacht or boat should consider having marine insurance.

Yes. Coverage is subject to underwriting approval based on vehicle type, value, and risk profile.

Travel Insurance includes emergency medical expenses, emergency assistance and evacuation, COVID-19 coverage, baggage delay support, delayed departure support, and repatriation of mortal remains.

You can get a quote online in just a few minutes by entering basic details. Alternatively, you can reach out to our team or one of our trusted partners for assistance.

Anyone who uses online banking, social media, online shopping, or smart connected devices can benefit from cyber protection.

Yes. Alternative Accommodation cover helps pay for temporary housing if your home cannot be lived in due to a covered loss.

Yes, it helps manage costs if others are injured or their property is damaged.

Yes. Coverage depends on vehicle age, condition, and underwriting assessment.

Anyone traveling internationally for leisure, business, or study can benefit from Travel Insurance coverage.

Yes, many of our plans offer flexible options and add-ons, allowing you to tailor your coverage based on what matters most to you.

Yes. Identity restoration support and financial loss reimbursement are available within policy limits.

Yes. Coverage options are available for tenant liability and tenant improvements made to the property.

Yes, emergency assistance is available if something happens while you are at sea.

Yes. Trailer cover is available depending on policy type and selected add-ons.

Yes. Medical treatment and hospitalization costs during travel are included within policy limits.

Typically, you will need identification documents and relevant details depending on the type of insurance. The exact requirements will be shared during the quote or purchase process.

Yes. Costs related to counselling, legal support, and recovery services may be included.

Yes. Coverage can continue during temporary periods of unoccupancy, depending on policy conditions.

Coverage may apply during storage or transport, depending on policy terms and declared usage.

Oman cover is available as an optional extension depending on your policy.

Yes. Emergency medical evacuation and assistance are arranged when urgent medical treatment is required.

Claim processing time depends on the type and complexity of the claim. We aim to handle all claims as efficiently and transparently as possible.

Yes. Specialist response support and related recovery costs may be included.

Yes. Damage can still be handled while the yacht is docked or stored, depending on the cause of the incident and policy terms.

Roadside Assistance is typically available within the UAE. GCC coverage depends on policy terms and extensions selected.

Yes. Support is available to help manage essential expenses if baggage is delayed during travel.

Yes, most policies can be renewed online quickly and easily. You will receive reminders before your policy expires to ensure continuous coverage.

External network monitoring can be activated to help identify potential security vulnerabilities.

Yes. Yachts can usually be insured based on agreed value or market value, depending on policy structure.

A Young Driver is typically defined as a driver below 25 years old or with limited driving experience. Additional excess or premium may apply.

You can submit your claim by emailing customercare@awnic.com.
Your request will be reviewed and forwarded to the relevant team, who will contact you and guide you through the next steps.

You can request changes to your policy at any time. Our team will guide you on what can be updated and any applicable terms.

Requirements may vary depending on marina rules, water authorities, or rental requirements.

Yes, provided they hold a valid driving licence. Policy excess may apply at the time of claim as per policy conditions.

Yes, we take data privacy and security seriously. Your information is handled with strict confidentiality and in line with regulatory requirements.

Yes, third-party liability is included in most coverage options.

Yes. The claims history and driving record may impact pricing.

Our customer support team is always here to help. You can reach us via phone, email, or digital channels for any assistance.

Yes, comprehensive coverage includes damage to your own jet ski as well as liability to others.

Motor Insurance policies are typically issued for 13 months.

Yes. You will need to provide proof of sale or ownership transfer.

Yes. Policy refund is subject to unified motor policy wordings as per CBUAE and applicable cancellation fees.

Refunds are calculated based on short-rate basis subject to unified motor policy wordings as per CBUAE and applicable cancellation fees.

Motor Insurance policies cannot be transferred to another owner. A new policy must be issued.

Excess is the amount you must pay towards a claim before the insurer pays the remaining amount.

Multiple excesses may apply if multiple conditions are triggered, such as Young Driver excess plus standard excess.

Claim timelines depend on documentation, police report, and repair approvals. You will receive updates throughout the process.

Payments are processed via bank transfer or directly to the repair workshop depending on claim type.

• Agency Repair: Repairs completed at manufacturer-authorized workshops.
• Non-Agency Repair: Repairs completed at approved network garages.

Lifetime Agency Repair may be available for eligible vehicles based on policy selection.

Repairs are completed at authorized agency workshops or approved network garages based on your policy.

Services may include:

• Mechanical breakdown assistance
• Accident towing
• Battery boost
• Flat tire replacement
• Fuel delivery
• Lock-out assistance

Phone & WhatsApp: 600 544 040

Vehicle category depends on policy terms and availability.

Cash reimbursement may be available depending on policy terms and eligibility.

Yes, if Car Hire Allowance is included in your policy and subject to claim eligibility.

The Sum Insured is the maximum amount payable for total loss or theft of your vehicle.

It is based on market value, vehicle age, condition, and depreciation.

NCD is a discount on your premium for each claim-free year.

Usually when transferring insurance from another insurer or renewing with proof of claim-free history.

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.

You will receive 1-click renewal notifications via SMS & email. Our team will also reach out to you before your renewal is due.

Driving without valid insurance is illegal and may result in fines and penalties.

Typically required:

• Police report
• Vehicle registration (Mulkiya)
• Driving license
• Photos of vehicle damage
• Contact details

Yes. All vehicles must have valid Motor Insurance to be legally driven on UAE roads.

Coverage depends on policy type and police report classification.

Yes. Towing is available through Roadside Assistance services.