When to Update Your Car Insurance Details

If you have car insurance in Saudi Arabia, there’s one rule you absolutely must know: your details have to be 100% true and up-to-date, all the time.

This isn’t just a friendly suggestion; it’s a legal requirement in all car insurance policies in Saudi Arabia. It requires drivers to update their details immediately if they find a mistake or if their situation changes—especially if the change involves something called a “Material Fact.”

Here’s a clear explanation of what a “Material Fact” is, and how to update your policy details online.

🛑 All car insurance policies in Saudi Arabia have this rule

This rule comes straight from the Saudi Insurance Authority, the Unified Mandatory Motor Insurance Policy mentions:

“Insurers shall not be liable for paying any indemnities in any of the following cases, Submitting in accurate information in the insurance proposal form or concealing material facts.” “Material fact is Any information requested by the Company from the insurance applicant during the conclusion of the Policy that may materially affect the Company’s decision in accepting the insurance or rejecting it or accepting the insurance with different conditions.”

Translation?

A Material Fact is any piece of information that directly affects how likely you’re going to make to the insurance company pay for a claim. such as your age, city of residence (National Address), or the number of previous accidents. These kind of information give insurance companies and idea of how likely they’ll have to pay claims and how to set car insurance prices for each driver.

So, in short, if anything about your situation changes, your insurance company has to know — because it affects your risk level and your insurance price.

📌 So, what counts as a Material Fact?

1. 📍 Your Real Home Address

Car insurance prices in Saudi Arabia vary by location. A driver in Riyadh faces higher accident risks than one in a smaller city.

2. 🚨 Your Full Accident History

Your driving history helps insurance companies predict future risk. A driver with a clean record is less likely to have a future accident than one with several claims.

While insurers can verify your record through Najm, giving false answers when getting a quote (hoping for a cheaper price) is a serious breach of trust

Insurance companies can verify your record through Najm, so it’s not really possible to hide something like this. But, people might give wrong answers when they compare car insurance prices in hopes to get cheaper offers.

3. 🚕 How You Use Your Car

Are you using your car for running your own personal needs, or you trying to make profit from your car (like joining delivery or ride-hailing apps)?

Commercial use is riskier, so it’s more expensive. If your driving purpose changes, you’ll need to update your car insurance details.

4. 🔧 Any car modifications

Added any car accessories like rims, a roof rack, or a cargo basket? Any mod can increase the risk of an accident (like a car fire) and also your car’s value.

So, make sure to let your insurance company know about any changes done to your car

5. 👤 The Other Drivers

If you have a bank leased car or financed car, you absolutely must add all actual drivers to the policy. If an unregistered driver has an accident in a leased car, the insurance won’t cover it.

⚠️ Why can’t you ignore this rule

If you ignore updating your car insurance details or, worse, intentionally hide information, you risk everything. Your insurance company has the power to:

• Refuse to pay for your claim after an accident.
• Even demand you pay back the money if they already covered the costs (Right of Recourse).

📝 How to update your car insurance details

Any change or cancellation of the policy after its issuance is made through the concerned insurance company. Most car insurance companies in Saudi Arabia provide an online service to amend insurance data via their app or official website.

Follow these steps to request an amendment to your insurance policy data:

1. Identify the change (e.g., correcting your plate number or National Address).
2. Attach proof (like your Istamara).
3. Pay or receive any price difference (if applicable).

If a “Material Fact” changes, you must tell your insurance company within 20 working days. If they don’t respond, your coverage continues as normal. If they do, they might adjust your price (up or down).

These situations also require updating your car insurance details

Getting new car number plates

If you insured your car using the customs card number, remember to request an amendment to the policy data after obtaining the license plates and vehicle registration. Similarly, it is important to request an amendment to the insurance policy data if the car plate is changed after a change in vehicle ownership, or after purchasing a new plate, or even if you discover an error related to the vehicle data.

Changing your bank details (IBAN)

Keep your bank info up to date to avoid long delays when waiting for claim payouts or car insurance refunds.

Changing your name

If you legally change your name, you’ll need to update your license and your car insurance policy. Mismatched names in your ID & Saudi driving license can confuse insurance companies, stop a claim dead in its tracks.

Be honest, be safe

All information mentioned in the insurance policy must match reality 100%! If any change occurs—no matter how minor—do not overlook or ignore it!

Finally, if your goal in changing information is a cheaper insurance price—you are risking major problems! We get it—nobody wants to pay more than they have to. But trying to get a cheaper rate by bending the truth on your policy is risky and could cost you thousands if a claim is rejected.

You don’t need to lie about your address or accident history to find a great deal. You just need to see all optionsavailable to you.

👉 Use wakeel to compare trusted car insurance quotes in Saudi Arabia. We make quotes accurate and tailored to your real information, ensuring you stay fully protected while getting the lowest price possible.