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Comprehensive Private Motor Insurance (AL-SHAMEL) Program

Cost of Al-Shamel Cover

The maximum cover of Al-Shamel insurance is determined by the value of the insured vehicle at the time of accident, in addition to the public liability towards third party affected by the incident. The maximum limit of the company liability is up to SR 10,000,000 in accordance with the terms and conditions contained in the insurance policy during its validity period.


Al-Shamel Basic Covers

Loss or Damage to the Insured Car

The company will either reimburse you against any accidental losses or damages to your insured car resulting from road accident, theft, fire or any other perils not specifically excluded from the policy. The company will pay the market value of the car at the time of accident, repair or replace the affected car, if necessary.

Natural Disasters

This cover indemnifies you against the loss of or damage to your insured motor vehicle due to hail or flood caused by rains.

Liability to Third Parties

This cover indemnifies you against the loss of or damage to your insured motor vehicle due to hail or flood caused by rains.

Emergency Medical Expenses

The comprehensive insurance covers the emergency medical expenses for the car driver or passenger, as a result of an incident in which the insured car is involved.

Additional Extensions of the Program

Personal Accident

This extension includes the personal injuries to the driver and passengers as a result of an incident in which the insured car is involved. It also includes medical expenses directly resulting from the accident.

Waiver of Depreciation Clause

The depreciation clause will not be applied on the compensation for total loss of the vehicle less than 12 months old against the payment of an additional contribution.

Hire Car Facility

Under this extension, the Company will reimburse the insured against actual expenses incurred for the hire of a replacement car until the affected car is repaired or settlement of the claim. The Company pays an equivalent of SR 100 a day according to the maximum limit agreed upon in the policy.

Agency Repairs

Al-Shamel program can be extended to cover the performance of car repairs at the authorized agency against an additional contribution on the value of the cost of basic insurance.

Geographical Extension

Al-Shamel program can be extended to include the damage to the insured car in respect of the accidents occurring outside the Kingdom, as well as the personal accident to the driver and passengers if they are covered by the additional extensions in the following countries:

- Bahrain only. - GCC countries including Bahrain. - GCC, Egypt, Jordan and Lebanon.
01

It covers any accidental loss or damage caused to the insured car and is not limited to named risks only.

02

The insurance may cover losses arising out of the car's exposure to theft, whether in whole or in part, in addition to the loss resulting from fire.

03

It does cover hail, flood and other convulsions of nature with the exemption of sand storms.

04

The company provided a country-wide network of approved workshops that will promptly and efficiently repair your insured card.

05

Exempting the insured from the deductible ratio if the responsibility of the third party for the accident reaches 100%.

 

Al Shamel

Sanad

Sanad Plus

Third Party Liability

Up To 10,000,000 SAR

Up To 10,000,000 SAR

Up To 10,000,000 SAR

EXTENSIONS

Hire CarOptional
Waived DepreciationOptional
Car TowingOptional
Personal Accident ( Driver , Passenger )OptionalOptionalOptional
Geographical Coverage (Bahrain , GCC , Syria, Lebanon, Jordan & Egypt) Optional

BENEFITS

Indemnify against Accident, Loss or Damage to the vehicle Up to SR 10,000
Third Party Liability
Theft
Fire
Hail & Flood Optional
Country Wide Workshop Network
Full Value for "brand new" replacement following vehicle total loss in first year Optional
 

SANAD Private Motor Vehicle Third Party Liability Insurance Program

SANAD cover includes

Physical damage to third party
Physical damage to third party's property

In the event of an accident occurring during the policy effective period, involving indemnity for third party liability under the terms of this Policy, the maximum limits of the Company’s liability in respect of bodily injury (including blood money and the sums estimated for injuries and medical expenses) and in respect of property damage shall not exceed SR 10,000,000 (Saudi Riyal ten million) per any one occurrence.

Additional covers

Natural perils caused by hail and floods

SANAD cover can be extended to include the damage or loss sustained by insured car as a result of natural perils such as hail and flooding due to rains or floods, whether such damage arises out of one loss or several losses up to SR 20,000 for the duration of the whole policy validity.

Personal Accident

The policy cover is extended against an additional contribution to include personal injury to the driver and passengers as a result of an incident in which the insured car is involved.

01

The insured is provided with an Insurance Card and Bail Bond approved by the Traffic Police together with SANAD Insurance Policy to prevent the arrest or detainment of the driver causing the accident.

02

The insurance covers all types of cars without specifying their type or model.

03

The expansion of insurance cover to include the accidents caused by the insured vehicle even if the driver is not present at the accident time.

04

All authorized family members can use the insurance policy for one car.

05

The age restriction can be extended to include the drivers less than 21 years old.

 

Al Shamel

Sanad

Sanad Plus

Third Party Liability

Up To 10,000,000 SAR

Up To 10,000,000 SAR

Up To 10,000,000 SAR

EXTENSIONS

Hire CarOptional
Waived DepreciationOptional
Car TowingOptional
Personal Accident ( Driver , Passenger ) OptionalOptionalOptional
Geographical Coverage (Bahrain , GCC , Syria, Lebanon, Jordan & Egypt) Optional

BENEFITS

Indemnify against Accident, Loss or Damage to the vehicle Up to SR 10,000
Third Party Liability
Theft
Fire
Hail & Flood Optional
Country Wide Workshop Network
Full Value for "brand new" replacement following vehicle total loss in first year Optional
 

SANAD Plus Insurance Program

Loss or damage to the insured car
Bodily injuries to third parties
Physical damage to the property of third parties.

SANAD Plus Covers

Loss or Damage to the Insured Vehicle

The Program covers the Insured against loss or damage to the insured motor vehicle by accidental and sudden motor accidents. The Company will indemnify the Insured up to SR 10,000 per each accident or fall accidents in the aggregate per one policy year.

Liability to Third Parties

In the event of an accident occurring during the policy effective period, involving indemnity for third party liability under the terms of this Policy, the maximum limits of the Company’s liability in respect of bodily injury (including blood money and the sums estimated for injuries and medical expenses) and in respect of property damage shall not exceed SR 10,000,000 (Saudi Riyal ten million) per any one occurrence.

Additional covers

Personal Accidents

This extension covers the personal injuries to the driver and passengers as a result of a motor accident in which the Insured car is involved. The cover provided also includes the medical expenses airing directly out of the accident and is up to SR 25,000 per person.

Age Restriction Extension

You can expand the age of drivers to include drivers whose ages range between 18 to 25 years by an additional contribution pursuant to the category of age selected.

01

Provides limited insurance cover for the damage of the insured car as well as the liability to third parties as it combines between the advantages of Al-Shamel and SANAD Insurance at a lower cost.

02

Provides the Insured with a Bail Bond duly approved by the Traffic Police to prevent the arrest or detainment of the driver causing the accident.

03

The expansion of insurance cover to include the accidents caused by the insured vehicle even if the driver is not present therein at the accident time.

04

The insurance cover includes all types of vehicles regardless of the type, make, model or manufacturing year of the car.

05

Exempting the insured from the deductible ratio if the responsibility of the third party for the accident reaches 100%.

 

Al Shamel

Sanad

Sanad Plus

Third Party Liability

Up To 10,000,000 SAR

Up To 10,000,000 SAR

Up To 10,000,000 SAR

EXTENSIONS

Hire CarOptional
Waived DepreciationOptional
Car TowingOptional
Personal Accident ( Driver , Passenger )OptionalOptionalOptional
Geographical Coverage (Bahrain , GCC , Syria, Lebanon, Jordan & Egypt) Optional

BENEFITS

Indemnify against Accident, Loss or Damage to the vehicle Up to SR 10,000
Third Party Liability
Theft
Fire
Hail & Flood Optional
Country Wide Workshop Network
Full Value for "brand new" replacement following vehicle total loss in first year Optional
 

Alhilal Bundle

for limited time!

300 SAR

Fire

Floods and Hail

Glass break

Intentional harm from others

Theft

Towing the vehicle

Roadside assistance service

Got a question? Our consultant is at your service

What is the New Motor Flex Program?

How Can I Create My Own Coverage?

01
There is mandatory basic coverage, which is the third-party coverage.

Basic coverage of the third party liability

 BenefitDescription The maximum compensation Price
1
Fire
This benefit compensates you for damages to the insured vehicle that result from fire or lightning.
20,000 SAR
100 SAR
2
Floods and Hail
This benefit compensates you against loss of or damage to the insured vehicle due to floods and hail caused by rain.
30,000 SAR
100 SAR
3
Glass break
This benefit covers the costs of replacing the damaged front windshield for the vehicle not caused by accidents.
5,000 SAR
100 SAR
4
Intentional harm from others
This benefit enables you to obtain compensation for damage to your vehicle resulting from intentional harm from others. The police traffic report should be provided.
20,000 SAR
100 SAR
5
Roadside assistance service
We provide you with the required assistance in case you have a problem while driving on the road throughout the GCC (it includes towing the car, operating the battery, repairing tires and refuelling).
No Limit
50 SAR
6
Theft
This benefit compensates you in the event your car is stolen provided that the vehicle is not left in the operating position, the keys are not left in it, or the windows and doors are not closed. The vehicle accessories and personal items are excluded.
30,000 SAR
100 SAR
7
Towing the vehicle
This benefit compensates you for the expenses of towing the insured vehicle from the accident site to a safe place or the nearest repair shop.
Via approved Towing agencies
25 SAR
8
New
Personal Accident – Driver Only
It includes personal injuries to the driver only as a result of an accident in which the insured car is involved, as well as medical expenses resulting directly from the accident.
100,000 SAR
60 SAR
9
New
Personal Accident – Driver and Passengers
It includes personal injuries to the driver and passengers as a result of an accident in which the insured car is involved, as well as medical expenses resulting directly from the accident.
100,000 SAR
60 Sar/person
10
New
Hit and run
This benefit compensates you for the losses due to hitting and escaping the accident scene. The police traffic report must be provided.
20,000 SAR
250 SAR

Got a question? Our consultant is at your service

01

It is a new insurance program designed by Tawuniya for the first time in the kingdom.

02

It gives you the flexibility to combine your motor insurance policy.

03

It provides you with basic coverage and seven optional covers to choose all or any of them.

04

It combines the compulsory third-party cover with the cover of the insured car.

05

It provides a maximum compensation limit that exceeds SR 10 million.

06

The cost of optional coverages is limited to only 100 riyals for each.

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