Saudi Insurance Authority: Coverage Depends on Policy
The Saudi Insurance Authority clarifies that the scope of insurance coverage for drivers varies depending on the type and conditions of the insurance policy. In comprehensive coverage for private vehicle owners, drivers—including relatives such as parents, spouses, and children—are covered. This also includes drivers under the policyholder's sponsorship or employed under a work contract. Drivers not falling into these categories can be added as an authorized driver in the policy after specific procedures followed by the insurance company. If a vehicle is driven by a driver not officially named in the policy, the liability towards third parties remains covered under the mandatory insurance, but damages to the vehicle itself may only be covered if the driver is included in the additional coverage. The Authority also emphasizes that third-party liability pertains to damages resulting from the accident; however, this does not include damages to the vehicle unless additional coverage is specified in the policy. The pricing mechanism is reviewed to ensure technical consistency, and it is necessary to check the policy schedule to confirm covered items before driving.
تنويه: هذا ملخص تم إنشاؤه بواسطة الذكاء الاصطناعي
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