All you need to know about Al Rajhi Takaful motor insurance

As a subsidiary of Al Rajhi Bank, Al Rajhi Takaful has grown into one of Saudi Arabia’s best car insurance companies since its launch in 2008. While they offer everything from health to property coverage, this guide focuses specifically on their motor insurance options.

Get to know the difference between their options & how to get the best price for your car insurance.

Al Rajhi Takaful motor insurance options

Al Rajhi Takaful offers three distinct tiers designed to balance protection with your budget:

1. Third Party Insurance
2. Smart Insurance
3. Comprehensive Insurance

What’s the difference between these 3 options?

Feature	Third-Party	Smart	Comprehensive
Covers damage to other vehicles	✅	✅	✅
Covers damage to your car	❌	✅ (One accident per year)	✅
Natural disasters (rain, floods)	Optional	Optional	✅
Theft & fire	Optional	Optional	✅
Roadside assistance	Optional	Optional	Optional
Coverage outside Saudi Arabia	❌	Optional	Optional
Driver & passenger personal accident	Optional	Optional	Optional

Which option is the best?

1️⃣ Al Rajhi Third party car insurance

This is the cheapest car insurance option in Saudi Arabia and the minimum required by law.

• Best for: Budget-conscious drivers or those with older vehicles.
• Covers: Only the damage you cause to others (vehicles, property, or medical expenses).
• Careful: It does not pay for repairs to your own car.

2️⃣Al Rajhi Smart Insurance

Smart insurance is the “in-between” choice for drivers who want more than basic Third Party insurance without the high price tag of Comprehensive.

• Best for: Drivers who want protection against major accidents but want to save on premiums.
• Covers: Everything in Third Party cover, plus repairing your car for one collision accident.
• Careful: You’re only covered for one collision accident (also there’s a limit for what they’ll pay you and it’s a SAR 25,000 limit).

3️⃣ Al Rajhi Comprehensive Insurance

Comprehensive offers the highest level of protection. and a must for any car on installments.

• Best for: New cars, financed vehicles, and drivers who want zero stress.
• Covers: Own damage, third-party liability, fire, theft, and natural disasters.
• Careful: Comprehensive insurance only covers you, your immediate family, and your sponsored workers (if they are 18+ with a valid license). Plus, if your car is bank-financed, any other driver must have official bank authorization to be covered.

Al Rajhi Takaful Claim Turnaround Time

Al Rajhi Takaful has one of the fastest digital claim paths in Saudi Arabia. Once you upload all required documents and get your claim approval:

• Third-Party claims under 2,000 SAR → within 5 working days
• Third-Party claims above 2,000 SAR → within 15 working days
• Smart insurance claims → within 2 working days
• Comprehensive claims → within 2 working days

How do I claim my Al Rajhi Takaful motor insurance?

After receiving your accident report (Najm or traffic police), you can file your claim directly through Al Rajhi Takaful’s website or mobile app.

📌 Check out our detailed guide on how to claim Al Rajhi Takaful insurance online

Al Rajhi Takaful car insurance price

The cost of Al Rajhi Takaful car insurance isn’t the same for everyone. It is calculated based on your age, driving history, and the type of car you drive.

To ensure you’re getting the best deal:

1. Go to a car insurance comparison platform (like wakeel) and enter your ID and car details.
2. Once the quotes appear, use the search filters to see Al Rajhi offers specifically.
3. Compare their quote side-by-side with other car insurance companies’ offers.

Al Rajhi Takaful has competitive prices, but it’s possible to find a different company giving a better offer for third-party or comprehensive insurance that day. Comparing is the only way to guarantee getting the cheapest car insurance!