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الاقتصادية
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Saudi Insurance Authority explains driver coverage varies
The Saudi Insurance Authority clarifies that the scope of the driver's insurance coverage varies depending on the type of vehicle insurance policy. In comprehensive insurance, coverage includes drivers who are family members, such as father, mother, spouses, and children, as well as drivers under the sponsor’s care or employees working for the insured. Additional drivers can be added as specified in the policy through specific procedures. The report emphasizes that failing to name a driver does not cancel third-party liability coverage if the vehicle is driven by an unnamed driver, provided that the driver is legally qualified. However, damage to the vehicle itself is usually only covered if additional coverage is in place, as traditional basic coverage does not cover damages caused by accidents involving an unnamed driver. This may limit compensation for the vehicle’s own damages. The report also highlights the importance of reviewing the coverage table and exclusions before driving and distinguishes between third-party liability and the vehicle’s own coverage.
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