You Have the Right to Object to Your Taqdeer Report — Here’s How
So, your Taqdeer report is in, and something’s off. Maybe some damage didn’t make the cut, or the price is way lower than what the dealership quoted you. Whatever the issue, here’s the thing: you have the right to object, and the system is actually on your side!
One important tip: don’t file a car insurance claim before you object. Your insurance company only has to pay for what’s written in the official report — so get the report right first. Here’s exactly how to object, step by step.
⚡ Quick answer:
Got an issue with your Taqdeer damage report? You have the right to object within 10 days of receiving it. Do it online: go to the Taqdeer website > E-Services > Objections, and attach your report plus any proof that backs up your claim.
👀 Good to know:
Objecting to your Taqdeer damage report is different from objecting to your Najm/Traffic accident report. Each one has its own process. Learn how to object to a Najm report here.
How do you object to a Taqdeer report?
- Go to the official Taqdeer website > E-Services > Objections
- Attach your report and any supporting proof (if you have any)
How long do you have to object?
You have 10 working days from the date your report is issued to file an objection.
When can you object to a Taqdeer report?
| Case | What to do |
| 1. Some damage wasn’t mentioned in the report | File an objection and ask for a re-inspection to add the missing damage. |
| 2. Taqdeer quotation is lower than the actual repair quote | Object and ask them to review the labor or parts pricing. You can attach an official quote from a dealership or approved workshop showing the real cost. |
| 3. Depreciation deducted from new parts | Object and ask for full compensation on the new part, no deduction — as long as the damaged part had no prior damage or poor-quality repairs before the accident. |
| 4. Car is declared a “total loss” even though it’s repairable | Object and provide a third-party quote proving the car can be repaired for less than the Taqdeer estimation. |
| 5. Your car is valued below its market price | Object and ask them to adjust it to the current market value. Attach proof of your car’s real value, like a certificate from Marjea. |
💡 While you’re at the Taqdeer center, stick with the assessor every step of the way. Walk them through every detail of the damage, and double-check each part they log yourself; car insurance will only cover what’s in the report.
When is a car declared a “total loss”?
In Saudi Arabia, a car is declared a total loss in two cases:
- It’s impossible to repair and return to its original condition.
- The repair cost goes over 50%-60%~ of the car’s insured value. For example: if your car’s insured for SAR 100,000, the repair limit is around SAR 50,000–60,000. Anything over that, car insurance companies will declare the car a total loss.
Want best car repairs? You’ll need comprehensive insurance 😉
Next time you’re buying car insurance in KSA, remember this: Not all comprehensive insurance policies cover dealership repairs—cheaper options send you to certified workshops instead.
Don’t overpay for the wrong insurance coverage; use wakeel to compare comprehensive car insurance options in Saudi Arabia
FAQ: Disputing Taqdeer Report
Yes. You can object if you think the assessment on the other driver’s car damage is too high.
You can file an objection to a Taqdeer report if you’re:
The owner of the damaged car (or someone they’ve officially authorized), or
The party responsible for paying compensation (or someone they’ve officially authorized).
No. It’s best to go back to the Taqdeer center that inspected your car before you get it repaired or file your insurance claim.
Submit the final tax invoices to the insurance company after your car is repaired to claim the VAT amount included in your Taqdeer report.
Yes. if you can provide a third-party quote that proves the repair cost won’t go over 50%-60%~ of your car’s insured value.
You must file within 10 working days of receiving the report. The countdown starts the day after you get it.
Back To Top