Extend KSA car insurance cover for GCC & road trips
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Planning to drive across borders? If you’re traveling by car from Saudi Arabia to Bahrain, Qatar, the UAE, or any other GCC country, don’t rely only on border insurance. It only protects others from any damage you cause — not your own car. Add cross-border cover to your motor insurance and stay protected!
Here’s how you can make your Saudi car insurance cover driving in GCC and other countries like Jordan and Egypt👇
Does car insurance cover driving in the GCC?
Not by default. Comprehensive insurance covers the GCC only if you have cross-border coverage (also known as GCC coverage or Geographical Extension).
Without it, your insurance only works within Saudi Arabia’s borders.
what’s GCC coverage exactly?
Whether your car insurance company calls it GCC coverage, cross-border coverage, or Geographical Extension, it’s the same thing: an add-on that protects your car from accident damage when you’re driving outside of Saudi Arabia. Some insurance companies include this benefit for free with a comprehensive policy, but others charge an extra fee.
Car insurance companies in Saudi that offer GCC coverage are Takaful Al Rajhi, SAICO, Tawuniya, Malath, Medgulf, and Al Watania 🌏.
What do you get with GCC coverage?
Having cross-border cover with your Saudi car insurance, means you get:
- 🚘 Accident coverage. If your car gets damaged while abroad, this coverage will pay for the repairs to your own car.
- 🛻 Help with transpaorting the car back to Saudi. if your car is too damaged to drive, this coverage will cover what you had to pay to bring the car back to Saudi.
- 🏥 Optional personal accident cover. Some companies even include coverage for you and your passengers’ medical bills if you get injured.
⚠️ Just a heads-up: Some insurance companies might increase the deductible—the amount you have to pay out of your own pocket—for accidents that happen outside Saudi Arabia. Others only increase it if your trip exceeds 14 days.
💡So, always take a good look at those details when you compare car insurance prices online
Also, know accident rules outside Saudi!
Having that cross-border coverage is great, but for it to actually work, you need to know what to do after an accident. To make sure you can file a successful claim, you must follow the local procedures of the country you’re in.
The most important thing to do is get an official accident report. Without one, you won’t be able to file a claim with your Saudi car insurance company.
Learn more about what to do afer a car accident in:
Do You Still Need to Buy Insurance at the Border?
Yes. Even with cross-border coverage, border insurance is mandatory at every land entry point. Here’s how they work together:
- Your Saudi comprehensive policy → protects your car.
- Border insurance → protects others from damage you cause (its basically third party car insurance!)
Not Just GCC!
Geographical extensions aren’t just for the GCC. Depending on where you’re headed, you can customize your coverage. For example, you can get an extension for:
- Bahrain only
- All GCC: Bahrain, Qatar, Kuwait, UAE, and Oman
- Other countries like Jordan or Egypt
Compare car insurance prices in Saudi online to find the best company offer that gives you peace of mind on the road.
