FAQs

You’ll find the best offers from insurance companies for:

• Third Party car insurance, or TPL.
• Third Party Liability “Plus”
• Comprehensive car insurance

wakeel is operated by Ace Gallagher Insurance Brokerage, licensed by the Insurance Authority for electronic insurance brokerage (License No. 7001547657). Your payments are processed through secure and approved channels.

• Strong experience & technology: We rely on the expertise of Ace Gallagher Insurance Brokerage.
• Clear and accurate comparisons: We show all important details and let you adjust things like deductible, policy features, and vehicle value—so you can choose the best car insurance option for you.
• Support whenever you need it: Our insurance team is ready to help before, during, and after your purchase.

We’re a service that connects the best car insurance companies in Saudi with people who need insurance in one place.  So, while you can buy a policy through our website, we don’t set car insurance prices or manage the claims.

Prices mostly depend on the driver’s age and accident history. Other factors include location (National Address), insurance type, car value, and some personal/vehicle details.

Even for similar coverage, car insurance prices may not be the same because each insurance company weighs factors differently. This is why comparison can help you find cheaper car insurance in Saudi Arabia!

wakeel shows you the latest prices directly from insurance companies as they are. These prices can change when insurers decide to update their prices, or when the details you enter change.

You don’t need to do anything — the Najm discount is already included automatically in all prices shown to you.

If you’re eligible, the discount will show automatically when you compare prices. You can also confirm your percentage through Najm’s “Eligibility Service” on their website or app.

If someone gives incorrect information on purpose to lower the price, the insurance company has the right to take back any amounts paid for claims — as per Insurance Authority rules.

Right after payment, we ask the insurance company to issue your policy and activate it on Najm. Once ready, it’s emailed to you. You can also log in to your wakeel account anytime to view, download, or print it.

Your policy is automatically linked to Najm and Absher once it’s issued. You can check through the “Vehicle Insurance Validity Inquiry” service.

For claims, you need to contact your insurance company directly. But we’re always here to guide you on how to use Najm to claim after a car accident in Saudi Arabia.

To cancel your policy and get a refund for the remaining period, contact your insurance company directly. You can also read more about refund rules in our How to Cancel Car Insurance & Get a Refund in Saudi blog

Yes, you can renew your car insurance before its current expiration date. Before you search car insurance offers on wakeel, simply set the new policy’s start date to match your current policy’s expiration date.

Not renewing on time will lead to getting a traffic violation for expired vehicle insurance, and you’ll be fully responsible for paying others if your car causes any damage to them. Delaying renewal may also affect your Najm no-claims discount — and you could lose it if you pass the allowed grace period.