Guides

Insurance prices for the same car and driver can differ by hundreds of riyals between companies. Licensed comparison platforms such as Tameeni, Wakeel and BCare show live quotes from 20+ insurers and let you issue the policy online in minutes.

Your price depends on driver age, claims history, city, car model and value, and the options you pick. The no-claim discount is significant — an accident-free record for several years cuts your premium meaningfully, and it follows you between insurers.

When comparing, match like for like: same deductible, agency vs non-agency repair, and the same add-ons. The cheapest quote with a high deductible and workshop repair is not the same product as a slightly dearer agency-repair policy.

Third-party insurance is mandatory for every vehicle in Saudi Arabia. It pays for damage and injuries you cause to others, up to SAR 10 million per incident under the unified compulsory policy, but pays nothing for your own car.

Comprehensive insurance adds cover for your own vehicle — accidents, fire and theft — with optional extras such as agency repair, natural hazards and young-driver cover. If your car is financed, the bank will require comprehensive cover for the whole loan period.

As a rule of thumb, comprehensive makes sense for newer or financed cars, while third-party may be enough for older, low-value cars. Insurance is now supervised by the Insurance Authority, and premiums carry 15% VAT.

Najm for Insurance Services is the company that attends and documents insured traffic accidents in Saudi Arabia. After an accident with no injuries, move the cars out of traffic if possible, then report through the Najm app or by calling 920000560.

A Najm surveyor is dispatched to the scene (you can track their arrival in the app), photographs the vehicles, records IDs, plates and insurance details, and assigns liability percentages. Minor accidents can often be reported fully inside the app without waiting.

The electronic report goes directly to the insurance companies, and you follow your claim with your insurer using the accident number. The service is free for insured drivers, and small third-party claims are expected to be settled within days.