Third party car insurance in Saudi: the good & the bad

Third-party car insurance is the minmum you need for Saudi Moroor requirement and to avoid the trouble. It happens to be the cheapest car insurance in Saudi Arabia, but beyond the price tag it’s important to know exactly what you’re getting—and what you’re not.

✅ Why go for Third party Insurance in Saudi

💸 it’s the cheapest option

The first thing most people think about when they buy car insurance is price. If you compare car insurance prices online, third-party insurance is far cheaper than any other option.

👋 Saves you from expired insurance penalty

Did you know that in Saudi Arabia you can get a fine for expired car insurance every 15 days? Expired car insurance fine is between SAR 100-150. That adds up to a SAR 2400 in a year!

🤝 Protects your money when you’re at fault

As long as you have valid car insurance, you won’t have to pay anything to anyone after an accident. It doesn’t matter if you hit a small sedan or a luxury Maybach — third party insurance covers up to 10 million SAR, if you accidentally hit another car.

👤 Anyone can drive your Car

One of the best things about having third-party insurance is that it covers anyone driving your car, as long as they’re over 18 and have a valid Saudi driving license.

So no matter who was driving at the time of the accident, your insurance will cover the damages.

🥳 No deductible

With third-party insurance, you don’t have to pay anything out of pocket after an accident. Deductible only apply with comprehensive insurance (or sometimes third-party plus).

📑 Covers Moroor services requirments

If all you need is to renew your car registration (istimara) or transfer ownership, third party insurance does the job and its cheaper!

❌ What Third party insurance won’t cover

While third-party insurance is the best choice for many, its has one obvious problem: it doesn’t cover your own car!

This means…

• ❌ No coverage for your own car’s repairs. Unless the other driver has valid car insurance, you won’t get any insurance money after the accident
• ❌ No help with single-car accidents. Hit a pavement, a pole, or a pothole? Your car insurance is not resposible here!
• ❌ It doesn’t cover fire, theft, or weather damage. Even though these accident can happen out of your controll, you’d be on your own if something like this happened.
• ❌ No extra benefits. Don’t expect roadside assistance or a replacement car from a third-party policy.

Which insurance is best in Saudi Arabia?

The simplest answer is that third party insurance is always cheaper, but its coverage stays limited.

Having third party car insurance can become a problem, if for example, you were in a hit and run accident —or if the other dirver doesn’t have insurance: You’d be left to chase them down or pay for your own car repairs.

With comprehensive insurance, your insurance will pay to repair your car and then deal with the other party.

There’s also a middle option: third party PLUS. This kind of insurance include one-time car repair.

Bottom line: thinking about comprehensive is worth it!

Third-party insurance is a great choice if you’re looking for the cheapest car insurance in Saudi Arabia and comfortable paying for your car repair after an accident.

But if your car didn’t come cheap, don’t take any risks! Buy comprehensive car insurance to protect what you fully paid for.

There are many car insurance offers in Saudi Arabia. Use an online comparison platform to check car insurance prices and find the best deal for you.