Insurance Types and Coverage - KSA

1. Standard Insurance

Coverage

• If the customer is 0% at fault, they pay nothing.
• If the customer is partially or fully at fault (1%–100%), liability fees apply.
• Covers damages caused by accidents based on fault assessment.

Payment

• 0% fault: No payment required.
• Partial or full fault: Customer must pay the deductible or excess charge as per the supplier’s agreement.

Single-Car Accidents

• Not covered.
• Customer is responsible for all repair and related costs.

2. Full Coverage Insurance

Coverage

• If the customer is 0% at fault, they pay nothing.
• If the customer is partially or fully at fault (1%–100%), liability fees apply.
• Covers all accident-related costs if coverage conditions are met.

Payment

• 0% fault: No payment required.
• Partial or full fault: Deductible or excess charges apply according to the supplier’s policy.
• Reduces or removes most out-of-pocket expenses.

Single-Car Accidents

• Not covered.
• Customer must bear all associated costs.