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Motor Insurance

 

The essence of Insurance focuses on the Islamic principle of cooperation between members of the community who participate in bearing the financial repercussions resulting from the risks and dangers that may arise at any time in life. And this is done according to a solidarity program that is compliant with Shariah laws and approved by Al Rajhi Shariah Committee.

Motor Insurance Third Party Liability

Motor Insurance Plans offer you a full range of services, products and solutions, addressing your needs and providing you with efficient support from our dedicated team of experts and insurers. These Plans will fulfill your requirements according to Takaful principles in case of any unexpected and unforeseen accidents (God forbid).

Every claim is an opportunity to truly deliver and the team is committed to make it happen beyond customer expectations.Using our technical expertise we develop deep risk insights and deliver profitable Shariah compliant solutions that our customers need and value.

Using our technical expertise we develop deep risk insights and deliver profitable Shariah compliant solutions that our customers need and value.

What is The Motor Insurance TPL Plan?

The Motor Insurance Third Party Plan will cover you against damages you have to pay to a third party. Accidents can happen at any time to anyone. No matter how careful you are, such unfortunate events cannot always be avoided.

The Plan provides you with a range of benefits and coverage.

  1. Physical damages caused to a third party inside or outside the vehicle.
  2. Material damages outside the vehicle.

  • All our products are Shariah Compliant

  • Every one pays a premium according to the risk that he brings to the pool

  • Suitable products that meet Customer needs

  • Faster Claims Settlement

  • Optimal Turn Around Times through Claims Portal

  • Retail Branches throughout the Kingdom

  • Well experienced in Fleet Insurance

  • Right balance between service and cost

  • Very good Customer Care Unit to deal with customer opinions and handle complaints with highest quality of standards.

How Can I Subscribe

  1. Electronically: your Policy is a few clicks away , just Log In to our website - make a purchase and complete the transaction.

    2. OR

  2. Visit our selected insurance sales branches. Our trained staff will welcome you at our branches
  3. Pay a visit to our nearest branch selling Insurance products.
  4. Go to the Client Service Section
  5. Ask for the Motor Insurance Third Party Plan
  6. Fill in the application form
  7. Pay the premium as calculated by our staff.
  8. Walk out with your Motor Insurance policy

  • In the event of the occurrence of an accident resulting in the payment of indemnity in accordance with the provisions of this policy, the maximum limit of the company's liability for one event for both physical damage (including blood money, bodily injuries damages and medical expenses) and material damages, shall not exceed together a total sum of SR 10,000,000 (ten million Saudi riyals) as a coverage liability limit.

How Can I Make A Claim?

In case of a claim, Al Rajhi Takaful will make sure that the third party gets compensated quickly and conveniently. For prompt service, submit the following required documents:

  • Photographs of third party’s damaged vehicle
  • Police report stating liability
  • Repair and spare parts estimates from three Muroor approved works shops or Sheikh Al Maaredh Report
  • Copy of Istimara, ID/Iqama and driving license (original should be submitted for verification)
  • Original court verdict, medical report or death certificate where needed

For more information, please contact our call center on 920004414

The following are the standard exclusions of the Motor Insurance Third Party Liability Plan (Non-exhaustive):

The company has the right of recovery from the insured, the driver or the person causing the accident to recover the amount it had paid to the third party in any of the following cases:

Any liability or expenses arising or occurring where the insured vehicle is

  • Used in contravention of restrictions set forth in the schedule

  • Carrying passengers beyond the capacity authorized for the vehicle, and it has been proved that the accident occurred because of this violation.

  • Used in any type of racing, in determining the speed of starting off, or in testing the ability to drive.

  • Driven by a person under the influence of drugs, alcohol or medicines that are not allowed to be taken when going to drive.

  • Used by a person less than the age stated in the policy schedule unless his name is added in the policy schedule.

  • Stolen or taken by compulsion.

  • Driven by any person not carrying a driving license or a permit qualifying him to drive this type of vehicles or whose driving license is temporarily or permanently suspended.

  • Used in areas that are normally not allowed for the public to drive in such as airports or seaports, unless the vehicle is used for commercial purposes to be driven within the allowed area.

    • Note: For detailed exclusions and benefits, please read policy documents including the policy wording.

Wafi Smart Motor Insurance

Wafi Smart motor insurance is a third-party coverage plan with extra benefits, Wafi Smart comes with one-time free coverage to your car up to a certain limit (the limit varies from 5 000 SAR to 25 000 SAR) defined as a Sum Insured value and calculated based on your vehicle market value without applying any deductible amounts, if the claim occurred after 20 days from issuing the policy. If the accident date is within 20 days from the policy issue date, a deductible of SR 2,000 SR will be applicable

  • Third Party Liability coverage

  • We cover one own damage claim up to the 25,000 SAR limit

  • No deductible payments will be made if accident date is after 20 days from issuing the policy

  • Third Party Liability - Yes, Up to SR 1,000,000 One Occurrence

  • Emergency Medical expenses - Yes, Up to SR 250

  • No Claim Discount Benefit - Yes, Up to 50% if No claims

  • Customer Loyalty Discount - Yes, Discount of 5% if before expiry date

  • Multi Vehicle Discount - Yes, Discount up to 10% in your other private use vehicles

  • Zero depreciation spare parts - Yes, Up to 5 years old vehicle

    • The one own damage benefit will be terminated after 1st claim is paid

    Only applicable if the claim is the result of a collision with another identified vehicle

    If the accident date is within 20 days from the policy issue date, a deductible of SR 2,000 SR will be applicable

How Can I Make A Claim?

In case of a claim, Al Rajhi Takaful will make sure that the third party gets compensated quickly and conveniently. For prompt service, submit the following required documents:

  • Police report stating liability
  • Copy of police repair permission
  • Repair and spare parts estimates from three Muroor approved works shops (only for remote area cases) or Sheikh Al Maaredh Report
  • Copy of Istimara, ID/Iqama and driving license (original to be submitted for verification)
  • Original court verdict, medical report or death certificate in case of the third party
  • Original court verdict, medical report or death certificate in case of the third party
  • Claim form duly signed by the insured for own damage and by the third party for third party claims
  • Photographs of third party’s damaged vehicle

For more information, please contact our call center on 920004414

  • Any liability or expenses arising or occurring where the insured vehicle is used in contravention of restrictions set forth in the schedule

  • Carrying passengers beyond the capacity authorized for the vehicle, and it has been proved that the accident occurred because of this violation.

  • Used in any type of racing, in determining the speed of starting off, or in testing the ability to drive.

  • Driven by a person under the influence of drugs, alcohol or medicines that are not allowed to be taken when going to drive.

  • Used by a person less than the age stated in the policy schedule unless his name is added in the policy schedule.

  • Stolen or taken by compulsion.

  • Driven by any person not carrying a driving license or a permit qualifying him to drive this type of vehicles or whose driving license is temporarily or permanently suspended.

  • Used in areas that are normally not allowed for the public to drive in such as airports or seaports, unless the vehicle is used for commercial purposes to be driven within the allowed area.

    • Note: For detailed exclusions and benefits, please read policy documents including the policy wording.

Motor Insurance Comprehensive

Motor Insurance Plans offer you a full range of services, products and solutions, addressing your needs and providing you with efficient support from our dedicated team of experts and insurers. These Plans will fulfill your requirements according to Takaful principles in case of any unexpected and unforeseen accidents (God forbid).

Every claim is an opportunity to truly deliver and the team is committed to make it happen beyond customer expectations.

Using our technical expertise we develop deep risk insights and deliver profitable Shariah compliant solutions that our customers need and value.

What is The Motor Insurance Comprehensive Plan?

The Motor Insurance Comprehensive Plan will cover you against damages to your own vehicle and indemnities to a third party. Accidents can happen at any time to anyone. No matter how careful you are, such unfortunate events cannot always be avoided.

  • All our products are Shariah Compliant

  • Every one pays a premium according to the risk that he brings to the pool

  • Suitable products that meet Customer needs

  • Faster Claims Settlement

  • Optimal Turn Around Times through Claims Portal

  • Retail Branches throughout the Kingdom

  • Well experienced in Fleet Insurance

  • Right balance between service and cost

  • Very good Customer Care Unit to deal with customer opinions and handle complaints with highest quality of standards.

How Can I Subscribe

  1. Electronically: your Policy is a few clicks away , just Log In to our website - make a purchase and complete the transaction.

    2. OR

  2. Visit our selected insurance sales branches. Our trained staff will welcome you at our branches
  3. Pay a visit to our nearest branch selling Insurance products.
  4. Go to the Client Service Section
  5. Ask for the Motor Insurance Comprehensive Plan
  6. Fill in the application form
  7. Pay the premium as calculated by our staff.
  8. Walk out with your Motor Insurance policy

The following are the standard exclusions of the Motor Insurance Comprehensive Plan (Non-exhaustive):

  • Death or bodily injury to participants, drivers.

  • Death, bodily injury or damages that are due to the loading or unloading of the vehicle and/or cargo.

  • Any legal liability or expenses arising or relating to increase of carriage and/or excess of stress and/or if the carriage is not fixed well on the vehicle in a way breaching the law and/or its passengers at the time of exceeding the legal number permitted by law

  • Geographical areas outside the scope of this policy

  • Violations of traffic law, i.e. crossing the traffic signal’s red light or speeding

  • Undeclared and unaccepted accessories

  • Wear and tear (aging and consumption)

    • Other Exclusions of covering participant vehicle:

    Any damage, loss or harm that may happen to the vehicle covered according to this policy or to be as a result of being:

  • The vehicle driven or being in its way to be driven or being possessed by another person except for its participant or the permitted driver added in the policy schedule. Terms and conditions apply. This exception is not applied in the case of loss or damage of the vehicle resulting from robbery

  • Used by a person less than the age stated in the policy schedule unless his name is added in the policy schedule. Different deductibles apply.

    • Note: For detailed exclusions and benefits please read policy documents including policy wording.

How Can I Make A Claim?

In case of a claim, Al Rajhi Takaful will make sure that the third party gets compensated quickly and conveniently. For prompt service, submit the following required documents:

  • Police report stating liability
  • Copy of police repair permission
  • Repair and spare parts estimates from three Muroor approved works shops (only for remote area cases) or Sheikh Al Maaredh Report
  • Copy of Istimara, ID/Iqama and driving license (original to be submitted for verification)
  • Original court verdict, medical report or death certificate in case of the third party
  • Original court verdict, medical report or death certificate in case of the third party
  • Claim form duly signed by the insured for own damage and by the third party for third party claims
  • Photographs of third party’s damaged vehicle

For more information, please contact our call center on 920004414

  • Any liability or expenses arising or occurring where the insured vehicle is used in contravention of restrictions set forth in the schedule

  • Carrying passengers beyond the capacity authorized for the vehicle, and it has been proved that the accident occurred because of this violation.

  • Used in any type of racing, in determining the speed of starting off, or in testing the ability to drive.

  • Driven by a person under the influence of drugs, alcohol or medicines that are not allowed to be taken when going to drive.

  • Used by a person less than the age stated in the policy schedule unless his name is added in the policy schedule.

  • Stolen or taken by compulsion.

  • Driven by any person not carrying a driving license or a permit qualifying him to drive this type of vehicles or whose driving license is temporarily or permanently suspended.

  • Used in areas that are normally not allowed for the public to drive in such as airports or seaports, unless the vehicle is used for commercial purposes to be driven within the allowed area.

    • Note: For detailed exclusions and benefits, please read policy documents including the policy wording.
Al Rajhi Takaful promise to deliver affordable solutions that best fulfill the insurance needs of our customers. We offer Sharia compliant insurance solutions keeping in mind the Islamic laws & traditions. The company provides innovative products and offers exceptional services that cater to the diverse needs of its customers across Saudi Arabia. This includes health insurance, travel insurance, motor insurance & more. Through our customer-centric approach, we look after your concerns to the best of our abilities.
We constantly strive to uphold the principles of ethics and fairness to achieve the best for our customers. We are a team of dedicated professionals, committed to the service of our clients. We offer you a range of plans that are tailored as per your needs. We not only provide value for money options but also ensure that customers’ needs are best met.
Whether it’s about securing your family’s financial expenses or safeguarding the things you care the most about, the answer is on your fingertip. Just browse through the array of policies we offer and choose the one that suits your needs well. In addition, you can also avail visitor visa insurance and medical malpractice insurance.
Compared to its peer insurance companies, Al Rajhi Takaful is descried as the most trustworthy insurance in Saudi Arabia and has a very convenient, simple, and effortless process for buying or renewing insurance policies. We aim to provide protection to our customers through simpler, reliable, and affordable insurance solutions.
To know more, you can reach out to us on our customer care number – +966 9200 04414 or pay a visit to your nearest Al Rajhi Takaful branch.
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Al Rajhi Takaful promise to deliver affordable solutions that best fulfill the insurance needs of our customers. We offer Sharia compliant insurance solutions keeping in mind the Islamic laws & traditions. The company provides innovative products and offers exceptional services that cater to the diverse needs of its customers across Saudi Arabia. This includes health insurance , travel insurance , motor insurance & more. Through our customer-centric approach, we look after your concerns to the best of our abilities.
We constantly strive to uphold the principles of ethics and fairness to achieve the best for our customers. We are a team of dedicated professionals, committed to the service of our clients. We offer you a range of plans that are tailored as per your needs. We not only provide value for money options but also ensure that customers’ needs are best met.
Whether it’s about securing your family’s financial expenses or safeguarding the things you care the most about, the answer is on your fingertip. Just browse through the array of policies we offer and choose the one that suits your needs well. In addition, you can also avail visitor visa insurance and medical malpractice insurance .
Compared to its peer insurance companies, Al Rajhi Takaful is descried as the most trustworthy insurance in Saudi Arabia and has a very convenient, simple, and effortless process for buying or renewing insurance policies . We aim to provide protection to our customers through simpler, reliable, and affordable insurance solutions.
To know more, you can reach out to us on our customer care number – +966 9200 4414 or pay a visit to your nearest Al Rajhi Takaful branch.