Found cheap third party car insurance for under SAR 500? Just be careful, sometimes a price that looks “too good to be true” really is! Fake online pages look real, rank high, and trick unsuspecting buyers looking for cheap car insurance prices in Saudi.
But here’s the other side of the story: you might actually be seeing a great offer from a real website. Since it’s new, you haven’t heard of it before, you might mistakenly think it’s FAKE and miss out on a real deal.
In this guide, we’ll walk you through how to spot the red flags, know who to trust, and protect your money and data.
How to tell if a site is real or fake before you buy car insurance online in Saudi
1. don’t let the link fool you!
Scammers are always looking for ways to steal your money, and they often do it by creating fake websites or copying real ones. They might post ads on social media, websites, or even pay to have their fake links show up first in a Google search for something like “cheap car insurance in Saudi.”
These fake websites seem convincing, but once you pay, you get nothing in return—no car insurance, just your money gone.
What to watch for:
No padlock icon 🔓 in the browser bar
The URL starts with http instead of secure https
A warning icon or red text in the address bar
Slight misspellings in the web address (e.g. missing or extra letters)
2. payment not secure? walk away.
A real site will never ask for sensitive banking info like your account number or PIN.
Real platforms offer secure, regulated payment methods—like Mada, Visa, Mastercard, or SADAD invoice.
Before paying:
Double-check the amount in the OTP message matches what you saw on the site.
Never share the OTP with anyone. Not even if they claim to be from the bank or a Saudi insurance company.
3. do they pull up the right info?
One quick way to test a site’s credibility: enter your ID and car serial number (VIN).
Real and licensed insurance website are connected to official systems like Elm and Najm, so they can instantly pull up:
Your full name
Car plate number
Vehicle model
If a site can’t show accurate info—it’s likely a website trying to steal your money.
4. Can you actually reach them?
Any online business handling payments must offer real customer support.
Look for:
Live chat with a real rep
A working WhatsApp number
An email that gets a response
If all you get are broken contact links or no answer, that’s a big red flag. Trustworthy companies invest in support—they don’t disappear after you pay.
5. do they respect your privacy?
Anyone providing insurance services online in Saudi Arabia are legally required to follow Personal Data Protection Law strictly.
Before you buy car insurance online, find their privacy policy. It should tell you:
What data do they collect
How they store it
If they share it with any third parties
🎯 Scammers target what people want most
SDAIA warns that online scams are constantly evolving, and scammers go where the demand is high. But, they’re alway targeting people searching for:
Jobs
Event or match ticket buyers
Haramain train bookings (especially during Ramadan or Hajj)
Recruiting domestic workers
Saudi driving license or traffic violation payment
…and of course, people searching for cheapest car insurance in Saudi Arabia!
Go to “My Services” → “Public Security” → “Financial Fraud Reports”
File a new report with details
Attach supporting screenshots
Submit ✅
Remember, one slip is all it takes!
Scammers are always looking for new ways to trick people out of their money. They know that many people compare car insurance prices online in one place and then go directly to an insurance company’s website to try and get a better deal.
They create fake websites that look exactly like the real ones, hoping you’ll search for the company name and click without double-checking.
So, here’s a simple tip: if you find a great deal on a trusted, licensed website, just buy it there! It’s much safer, as these sites are supervised by the Insurance Authority, and it saves you the stress of second-guessing every step.
