Sun to Thu from 08:00 - 16:00
In the event of an accident involving an insured vehicle used for personal or commercial purposes, the company will compensate for the damage to the vehicle by repairing it at approved workshops or the agency in accordance with the terms of the policy, if the loss is deemed partial. If the loss is total, as in theft, fire, or accident, the company compensates the insured at the insurance or market value, according to the terms and conditions of the insurance policy, until the maximum compensation included in the policy, or the individual policy is reached.
The insured vehicle is comprehensive insurance or compulsory vehicle insurance (third parties) under the company's insurance policy, whether the vehicle is private or commercial, and if the vehicle causes an accident that causes damage to a third party or any of their property, the company will pay the third party in cash compensation at the third party's expense, and the compensation also includes The monetary value of injuries and deaths as determined by the court in accordance with the terms, conditions, and exceptions of mandatory vehicle insurance.
Fill out the attached cancellation form.
Along with all documents, provide a copy of the pledge of allegiance or a copy of the alternative insurance or a certificate of dropping a plate
The maximum limit of the company's liability as specified in the policy schedule for any insured person before applying the deductible.
Please provide us with the following documents so that we can complete your transaction as soon as possible:
Unfortunately, we cannot provide coverage to the Saudi employee's parents; however, if the employee is a non-Saudi and his parents are under his sponsorship, we can include them in coverage by opening a new policy in which the son (the sponsor) is the holder of the policy, and the mother and father are added to the policy provided that the policy holder is the son (sponsor) has effective insurance.
Domestic workers cannot be insured because they are not required to carry insurance. The insurance does not cover the costs of medical treatment received outside of the Kingdom.
Medical insurance costs vary depending on gender, age, medical history, and geographic scope. Al Etihad Insurance offers a wide range of insurance programs to meet the needs of all segments of society. To learn more about these programs, please call our toll-free number or visit one of our sales offices or authorized agents.
The insurance industry is founded on a set of fundamental principles, the most important of which is the requirement that all parties involved in the insurance process act in good faith. However, abuses by either party to the detriment of the other parties do occur from time to time. The most visible of these abuses is fraud or abuse. Fraud is defined as any act committed by any party to obtain illegal benefits. Fraud may be committed by the agent of the insurance company, the service provider, or the customer himself.
To combat this negative phenomenon, which harms the insurance process in general, the Saudi Central Bank issued an anti-fraud regulation that defined the types of fraud, anti-fraud standards, typical indicators for detecting fraud, and the measures that insurance companies must take to prevent fraud and protect customers' rights.
Inform the competent authority in charge of the accident (Traffic-Najm) of any manipulation in the description of the accident, or the replacement of the driver, or any other fraudulent means.
Not collaborating with the driver who caused the accident to shift responsibility to the person who has an insurance policy.
Any intentional act by a medical insurance card holder, an insured facility, hospitals, or medical service providers to obtain undue compensation or benefits for themselves or others through deception, concealment of required documents, or/and intentionally providing false information is considered fraud.
The amount paid on financial claims based on the terms and conditions of the insurance policy.
If you buy a new car from a dealership or an agent, the price of the car will be considered the insurance amount. However, because the value of the car decreases over time, you must calculate the insured amount based on the current market value and its estimation by the sheikh of exhibitions or the car appraisers committee.
No Claim Discount (NCD) is the percentage of reduction to your sum insured based on term (i.e., the number of years that have gone without claims)
If you are stranded within the borders of the Kingdom of Saudi Arabia, we offer 24-hour roadside assistance in the event of an accident (optional additional coverage concluded in the insurance policy), which includes car towing, tire replacement, battery charging, and fuel delivery. A complete list of services is available in the insurance policy.
The first party is the insurance company, the second party is insured, the third party is affected
You can check your eligibility for the no-claims discount in the special section “Eligibility for Insurance Discount” available on Najm Insurance Services website (www.najm.sa).
We provide additional insurance coverage such as temporary car rental, personal accident benefits, GCC driving, and roadside assistance.
If I choose to include it in my insurance policy (another vehicle, how will I benefit from it, and does it cover the same category as my vehicle)?
We leave it up to you to select a car from any of our registered car rental agencies. We will reimburse the rental cost in accordance with the insurance policy's terms and conditions.
Yes, you can cancel the insurance if you provide a reason for the cancellation (such as not owning the car or obtaining alternative insurance) and submit all required documents. The amount refunded is subject to the terms of Al Etihad Cooperative Insurance Company policy.
The roadside assistance service is only available within the Kingdom of Saudi Arabia
Whether it is a third-party or comprehensive insurance policy with non-registered driver coverage, you must specify the name of a person who is at least 18 years old and has a valid driver's license and add it to the insurance policy.
The insured amount is the maximum amount that your insurance company will pay, minus any additional amounts, if your car was assessed for a total loss in an accident. It is assessed and then compensated in accordance with the terms and conditions of the insurance policy.
Filling out the form should be done with caution, and all information should be disclosed in full transparency.