Motor - Third-Party Liability

Third-party liability is the compulsory motor cover in Saudi Arabia: no vehicle may be registered or driven on the Kingdom's roads without it. It meets the insured's legal liability for bodily injury and for damage to other people's vehicles and property.

It is issued on the unified policy wording, so the cover itself is the same wherever it is bought and insurers compete on price and service instead. Claims are documented through Najm. It does not pay for damage to the insured's own vehicle, which requires comprehensive cover.