The sum insured is the maximum amount, excluding any excess amount, which the Insurance Company will pay in the event that your vehicle is declared a Total Loss.

In the unfortunate event of a claim, you will need to submit the following documents along with your claim form:

• Copy of Driving License
• Copy of Registration Card (or Istamarah)
• Najm/Police report

Claim requests can also be made online, with just a few clicks, on our website. Alternatively , you can contact our call centre and speak to one of our dedicated claims advisors.

Please contact our call centre and we will assist you with the process. You also have to provide us with the copy of driving license of such new driver.

If your car is new and out of the showroom, the purchase price of the vehicle will be considered as the Sum Insured. However, it is important to note, the value of the vehicle depreciates over time. So always calculate the Sum Insured based on the current market value of the vehicle.

The excess (deductible) is your contribution made at the time of claim due to an accident.

Chassis Number (also known as Vehicle Identification Number - VIN) is a 17 character code of letters and numbers that identifies your vehicle. You can find it on your vehicle registration card (Istamarah) or by accessing Absher account on Ministry of Interior (MOI) website.

If you have selected Agency Repairs coverage then your vehicle will be repaired at the vehicle’s authorised dealership. If you selected Non-Agency, we will select one of Al Alamiya Approved Garages, all of which adhere to our strict quality controls. 

Excess is applicable for each own damage claim separately, except for windscreen and glass damage.

A No Claims Discount (NCD) is the reduction in your premium based on the experience (i.e. number of years without claims) of the driver.

Subject to your vehicle value, you may get agency repairs for up to seven years from its Model Year.

We offer 2 types of insurance for your vehicle:

• Motor Third Party Liability (minimum regulatory requirement)
• Motor Comprehensive - cover for Loss or Damage to the Insured Vehicle and Third Party Liability

Both Policies have extensive optional covers available to choose from.

As part of the Claim notification process, we will take vehicle owner Bank & IBAN details. Once claim has been settled, amount will be automatically transferred to that Bank account.

Yes, you may not be eligible for NCD if there is a gap of more than 30 days between your insurance coverage or you have another vehicle which is un-insured.

If you’re stuck in the middle of nowhere and that’s within the limits of the Kingdom of Saudi Arabia, we have you covered. Our 24-Hour Accident and Breakdown Roadside Assistance services (an optional extra unless specifically mentioned otherwise) include Towing, Flat Tyre replacement, Battery Boosting, and Fuel delivery. Please refer to the Policy Wording for the full list of services.

For any immediate Roadside Assistance, please call 8002444481.

This is the most basic cover and is compulsory as per the Saudi law. Third-party liability covers you against the physical damage to any third party/person and/or damages to third party property arising out of the use of your motor vehicle.

More importantly, this policy does not cover any damage or loss to your own vehicle.

We will process the claim in 15 days, provided that all the mandatory documents have been submitted.

You can verify your NCD status in 'Insurance Discount Eligibility' section on Najm for Insurance Services website (www.najm.sa).

If you need help and have Roadside Assistance Service, please call 8002444481.

We can provide you with valuable additional covers like Temporary Rent-A-Car Facility, Personal Accident Benefit, Geographical Extension to GCC countries and Roadside Assistance service.

Unfortunately we are unable to provide cover in a different name to the registration due to this being a KSA Traffic law requirement.

You can verify your vehicle insurance status in 'Insurance Policy Inquiry' section on Najm for Insurance Services website (www.najm.sa).

At Al Alamiya, we understand that each individual has it's own vehicle preferences and we leave it to you to pick up vehicle of your choice from any registered rental agency. We will simply reimburse the rental cost subject to the Policy terms & conditions.

Comprehensive cover is available for vehicles up to the age of 10 years. Though vehicles over 10 years are usually insured for Third Party, please contact our call centre and we will review your case.

Yes, it is possible to cancel your insurance, provided a valid reason (no more own the vehicle or have an alternative insurance) as well as all the required documents are presented. The refund amount would be subject to Al Alamiya policy terms & conditions.

All comprehensive policyholders whose registered national address is of Eastern region have an automatic own damage coverage for Bahrain.

Cash reimbursement facility is only available against invoice from registered rental agency or Uber/Careem bills during the period your vehicle was under repair. 

We specialize in high-value cars (> SAR 300,000) insurance but as such case has to be reviewed individually, please contact our call centre to get a competitive offer.

In case of Third Party Policy, we will refund premium for unexpired period subject to deduction of an administration fee (SAR 25). However, you will not be eligible for a refund in case of a claim under your policy where the value of such claim exceeds refund amount.

For Comprehensive Policy, we will refund premium for unexpired period if you have transferred the ownership of your vehicle subject to being no claim under your policy. For any other reason of cancellation, refund premium will be based on short period rate schedule as per the Policy.

Roadside Assistance service is only within Kingdom of Saudi Arabia.

You can renew your policy from our website. Alternatively, you may speak with our call centre agent and renew your policy over the phone.

If you are wishing to upgrade your car insurance from Third Party, please contact our call centre.

No, you have to cancel your existing policy and get a new insurance for the other vehicle. Subject to other terms & conditions, we will refund you the premium for unexpired period of the existing policy.

Sorry, Trailer Insurance is not offered as a standard within Motor Insurance policy. However, please contact our call centre and we will review your case.

You can check your policy renewal date by logging into self service section on our website or from Policy Schedule of your Car Insurance. Also, nearer the time we will send you a reminder via email & SMS.

In case of Third Party Policy, any person above 18 years with a valid driving license can drive vehicle with your consent.

For Comprehensive Policy, you have to declare and add All additional driver(s) to your Policy and is subject to payment of applicable premium. Alternatively you may choose Un-Named Driver Cover which allows any person above 18 years with a valid driving license to drive your vehicle.

No two drivers are the same, and as the insurance premium and terms are affected by the profile and driving experience of the driver, it is not possible to transfer the policy from one driver to another.

You will need the following documents to apply for a car insurance under a company name:

• Commercial Registration Copy
• Main Driver’s License
• Vehicle Registration Copy
• Tax Registration Number

We allow you up to 1 Month to renew your existing car insurance policy. After 1 Month, renewal will be unavailable and you'll have to purchase a new policy if you wish to continue being insured with Al Alamiya. Please note: we will not cover any claims during the period you did not hold the Car Insurance.

As a rule, no. However, we may ask at the time of claim for any proof of purchase like receipts or any operating manuals. For items that are specified in the policy under cover outside of the home, these need to be supported by proof of purchase or a recent valuation certificate.

The excess (deductible) is your contribution made at the time of a claim.

This cover is for items that are literally "taken outside of the home". These items could include cameras, watches, sunglasses, jewellery and so forth.
Cover for such items can be arranged on both a specified and an unspecified basis. Items over SAR 5,000 need to be specified, while items below this amount can be insured by a general sum.

Your policy excess, as per your agreed Terms & Conditions, will be applicable for all non-recoverable claims.

Only items in the home that are worth more than SAR 20,000 need to be specified. Please note that there is no increased charge for these - the figures are mainly for our reference.

As part of the Claim notification process, we will take your Bank & IBAN details. Once claim has been settled, amount will be automatically transferred to that Bank account.

Our home insurance policy is designed for items of personal use only. However, if your home-office is used for anything other than paperwork and telephone calls, such as receiving clients/customers, employing staff or keeping business related cash or stock at the property, please contact our call centre to speak with one of our dedicated insurance advisors to discuss your requirements.

Yes. If you’ve lost something or it has been stolen, you will need to inform the police and file a report when submitting a claim for any lost or stolen items.

You should start by valuing your home room by room. Think about the contents in each room and work out how much it would cost to replace it all.

Damaged items will either be repaired or replaced if repairing the item is not possible or economically viable.

We offer 3 policy options that cover your home and peace of mind: 

• Building: Covers the structure of your home, fixtures and fittings of your home against loss or damages caused due to specified perils.
• Contents: Covers loss or damage caused to your household goods and other articles at home.
• Personal Possessions: Covers loss or damage caused to articles (including Portable Electronic device) normally worn, used or carried about by you in everyday life.

Yes, you can cancel policy at any time.

Buildings insurance is only needed if you are legally liable for the building, i.e. if you own the building as a landlord.

As long as no claims are made during the Period of Insurance, we will give you a refund based on the short period rate schedule as per the Policy.

Yes, all domestic outbuildings, garages, sheds, swimming pool, walls and gates fall under the definition of buildings and are covered under that section. You should make sure that the sum insured for your buildings cover includes the rebuilding cost of these structures.

Home insurance covers while you are away on a holiday, with the condition that you do not leave your home unoccupied for more than 60 days.
 
 In case you plan to be away for more than 60 days, please contact our call centre and speak to one of our dedicated insurance advisors to arrange for your cover to be extended.

Building should be insured for the amount of their rebuilding cost (not current market value), which can usually be found on the buyers' report or survey, obtained upon purchase of the property. However, please note that this figure will need to be revised in keeping with market inflation.
 
On the other hand, contents must be insured for the total current replacement cost of all items you would take with you if you were moving out. These items could include, but not limited to, carpets, curtains, furniture, electrical appliances, valuables, clothing and personal effects.

You can contact our call centre and speak with our insurance advisors and renew your policy over the phone. Alternatively, you can also visit Al Alamiya branch near you.

You have to specifically declare and add any valuable item over SAR 20,000. For items that require cover outside of  your home and are valued over SAR 5,000 have also to be specified in your policy.

In most cases, it shouldn't make a big difference to your policy. However, for the small number of cases where the number of claims is well above the average, we may alter the terms of cover and/or increase the premium when it's time to renew the policy.

Yes, your home insurance does cover you for portable items within our home if you have taken the Contents cover and outside the home if you take Personal Possessions Cover.

Yes, it is possible to cancel your insurance, provided Schengen visa rejection evidence is presented. The refund amount will be subject to deduction of an administration fee.

A single-trip policy covers you only for a specified holiday/ trip, whereas an annual policy will cover you for multiple trips made during the year. While the policy coverage offered for our annual and single trip policies are identical the limits on the annual policy are applicable for every trip you make.

Unfortunately, cancellation on the grounds of war or terrorism isn't covered by your policy.

A single trip policy provides cover for the duration of a round-trip for up to a maximum of 180 days, depending on the period chosen.  An annual policy, on the other side, provides cover for multi-trips for up to a maximum of 62 days per single trip and 180 days during the policy period.

Reporting or registering a claim is easy. Just contact our call centre. Alternatively, you can also visit Al Alamiya branch near you.

We offer optional Winter Sports and Golf covers so that you don't lose on your ski-pack or green fees in case of trip cancellation, delay or curtailment. You will also be covered for accidental damage to the respective sports equipment.

The excess (deductible) is your contribution made at the time of a claim.

Individuals are protected against accidents and mishaps provided you are with an instructor and you are diving no deeper than 30m.

As part of the Claim notification process, we will take your Bank & IBAN details. Once claim has been settled, amount will be automatically transferred to that Bank account.

Individuals are protected against accidents and mishaps provided the activities are not hazardous. For a complete list of hazardous activities, refer Travel Policy document.

The maximum age to obtain one of our travel policies is 75.

Pre-existing condition is any medical condition which existed prior to a journey affecting you and/or any close relative and/or travelling companion including, but not limited to, a condition for which the person is on a waiting list for hospital in-patient treatment, a condition referred to a medical specialist or the cause of in-patient treatment within the 12 months prior to the journey, a condition for which a terminal prognosis has been provided by a medical practitioner.

No, unfortunately travel insurance with a pre-existing medical condition cannot be offered. Please refer to the pre-existing condition definition for further clarity.

Al Alamiya provides you with a dedicated 24X7 Assistance Centre that you can contact from anywhere in the world. Simply call +971 4 601 8777 and they can provide you with the help that you need including repatriation back to the KSA, if deemed medically necessary.

Under the terms of our policy, we can offer travel insurance for any travel up until 10 weeks prior to the estimated due date of delivery. After this, there is exclusion for claims arising from the pregnancy concerning the medical, cancellation, curtailment, or personal accident sections of the policy.

Individuals are protected against accidents and mishaps provided the activities are not hazardous. For a complete list of hazardous activities, refer Travel Policy document.

Individuals are protected against accidents and mishaps provided the activities are not hazardous. For a complete list of hazardous activities, refer Personal Accident Policy document.

Any accident resulting from or contributed to by the person suffering from pre-existing medical condition is not covered.

Our personal accident cover excludes any claims arising from pregnancy including childbirth, miscarriage or abortion.

It is important to know as an insurance company, Alalamiya is very sorry for your loss. We also base our evaluations on utmost good faith. Meaning, we believe that what happened to you is an accident and will study the claim objectively.
After receiving your claim, we will:
1.    Make sure we have the required documents to make an informed decision.
2.    Inform you if we need any additional information.
3.    We will hire an ‘independent” and “Certified” surveyor. This is an independent entity will evaluate the claim and value of damage.
4.    Based on the findings, the insurance company will make a decision on eligibility of the claim and value of replacement.
5.    The insurance company will then Pay the property owner (the bank) the value of replacement.
 

We believe that the customer should always be properly informed. That is why you must be well aware of what is not covered through this policy.

Subsidence
Subsidence is commonly noticed in floors of the property “Sinking” lower then level it is was originally built. While there are many reasons for this happening, the usual cause is poor contractor workmanship and the use of improper building material.

Ground Heave
Ground heave is when the floors “swell” or “Bulge” out causing the floors to rise or crack. Again this most commonly caused due to poor workmanship and the use of improper building material.
Erosion
Erosion is the act of wear and tear due to environmental factors such as wind and water throughout time. All buildings erode with time but vary in rate of erosion based on the level of exposure to the forces of nature.
Settling or cracking
With time, property foundations could settle and sink causing “stress” on the building. The “stress” could be so high that walls and ceilings start to crack. Such settling is a result of bad engineering or poor contracting at the foundation stage.
Cracks could also be a result of the use of improper material and poor craftsmanship

Electrical or mechanical breakdown
The heart of any property is its electrical, mechanical, and even electronic systems. Electricity wiring, plumbing, and Air conditioning are an integral part of the property’s design and build.
Any malfunction to these systems is not covered under “Property Insurance”
 

Through the bank, your financing is covered with a “Life Insurance” policy against death, Total Permanent Disability, and Partial Permanent Disability. The purpose of this is that if any of these happen to you (God Forbid) you or your heirs would be freed from the liability of paying back the outstanding financing amount on the property.

Declare your true state of health..
Our sincere request to you is when you fill your property financing application please declare your true state of health. As an insurance company, we know It is common these days to have a chronic disease such as diabetes or High blood pressure. The bank will not reject your application. We will just make sure that we are aware of your situation.
If you don’t declare your true state of health, you are putting yourself and your family at risk and denying them the feature of “waiving the outstanding amount in Case of death or permanent disability”
 

1.    Obtain a Civil Devense Report where it is required such as a fire or explosion
2.    Make sure you fill a claim form within 15 days from the event (bank will have a claim form)
3.    Get an estimate of repairs from 3 official contractos.
4.    Check with the insurance company if your case needs any special requirements