On time of issuing
- Third-party insurance covers the costs of damages in the accident to the third party only, but not the policy holder.
- Comprehensive insurance provides you with full coverage and protection against damages to your car and the cars of others from the accident.
It is a number issued by the customs authority and located in the upper left corner of the custom card.
Vehicle type, driver’s age, region, gender, nationality, and purpose of using the vehicle, also the claims history or accidents caused by the vehicle owner or the drivers.
If the vehicle has a license (Istimara), then the type of registration is Registration Card (Istimara). And if the vehicle is new or bought from abroad, the type of registration in this case is customs card.
No one can know when he will get an accident. So, the insurance policy is a protection for you from risks and financial claims resulting from accidents.
Yes. The violation is automatically monitored once every 15 days, and the value of the violation ranges from 100 to 150 riyals.
- If the value of the vehicle increases, the insurance premium increases and vice versa.
- Also, in the case of a total loss, compensation is made based on the market value or the insurance value, whichever is less. An exception to this is that if there is the benefit of waiving depreciation (fixing the price), compensation is made on the insurance value.
- In third party insurance, it is not necessary to add an additional driver if the driver is 18 years or older and has a valid license.
- In comprehensive insurance, it covers all members of the insured’s family in the first degree (father, mother, husband, wife, son, daughter, brother, sister), and the sponsored persons who are on sponsorship, or who work for the insured under an employment contract, without any additions, except for that. The addition is mandatory in comprehensive insurance.
According to The Unified Compulsory Motor Insurance Policy, the policy does not cover any driver under the age of 18 (Hijri). In order for a driver under the age of 18 (Hijri) to be covered, the Insured must add this driver to the list of additional drivers in order to be covered
If the driver does not hold a driver's license at all, comprehensive insurance and third party insurance are not covered.
Yes, you can insure.
Any use of the vehicle such as personal use, for rental, or for transporting goods...etc.
If the data was incorrect the insurance policy is no longer valid.
No, that can not be done, you must renew your ID card first.
Yes, the offers submitted have a specific validity period, and at the end of the period, a new quotation must be requested again because prices are variable.
Policy benefits means the coverages included in the insurance policy provided by the insurance company. These covers usually differ from one insurance company to another.
It is a value decided by the insured when issuing the insurance policy and must be paid in the event of any accident or covered risk within the limits of the insurance policy.
Yes, the price of the policy increases with the addition of drivers under 21 years of age, and the deductible amount also doubles with some insurance companies.
After issuing
The insurance does not cover previous accidents before the policy was issued
- Valid driver's license.
- A valid vehicle registration form.
- Accident report from Najm or Traffic.
- Pictures of the vehicle after the accident from 4 sides.
- Estimate the value of repairing vehicle damage from the insurance company’s accredited estimating center, in addition to 3 prices for damaged parts.
- The bank IBAN number of the vehicle owner.
- *Note: You will be notified of any additional requirements after submitting the claim through one of the official channels.
- “The documents are submitted by the other party affected in the accident and not the policyholder for third party insurance. The required documents are:
- A valid vehicle registration form.
- Accident report from Najm or Traffic.
- Pictures of the vehicle after the accident from 4 sides.
- Estimate the value of repairing vehicle damage from the insurance company’s accredited estimating center, in addition to 3 prices for damaged parts.
- The bank IBAN number of the vehicle owner.
- *Note: You will be notified of any additional requirements after submitting the claim through one of the official channels.
- A valid vehicle registration form.
- Insurance document
- A police theft report detailing the vehicle theft
- A letter from the police explaining the status of the search for the vehicle after 90 days from the date of the report
- *Note: You will be notified of any additional requirements after submitting the claim through one of the official channels.
15 days from the date of completing the documents.
It is a value determined by the insured when issuing the insurance policy and must be paid in the event of any accident or risk covered within the limits of the insurance policy.
- “The customer will be provided with an entry letter to the vehicle agent or an approved repair center according to the terms and conditions of the insurance policy.
- The vehicle will be repaired or considered a total loss after receiving all reports from the repair center according to the entry letter
- In the event of a total loss, the vehicle is towed by the vehicle loss provider, who then provides the insured with a total loss offer and settles the claim after agreeing to the loss offer.”
Insurance is valid for those whose license has expired, and the insurance company may have recourse against the person who caused the accident if he does not renew his expired license within 50 working days from the date of the accident.
According to the Insurance Authority’s regulations, car insurance cannot be transferred from one person to another. Rather, new insurance must be obtained in the event of purchasing a new vehicle or transferring ownership of a vehicle.
The insurance company does not compensate the owner of an insurance policy against third parties. Rather, it compensates the other party while holding the policy owner responsible for the accident.
We advise and encourage our customers to print the insurance policy and keep it in the vehicle.
The insurance policy is considered valid only from the start date of the policy stated in the insurance policy.
- The insurance policy cannot be canceled except in the following cases:
- In the event of cancellation due to the sale of the vehicle.
- Pledge of Allegiance Contract - Form - Bank IBAN number of the vehicle owner.
- In the event of cancellation due to the presence of another document.
- Other insurance document - form - bank IBAN number of the vehicle owner.
- In the event of cancellation due to the vehicle being considered a total loss.
- Claim documents - form - bank IBAN number of the vehicle owner.”
"If there is any wrong information In the insurance policy, you must communicate directly with the relevant insurance company to update the insurance policy."