Comprehensive insurance and when it falls?

Insurance is the payment of a sum of money to an insurance company for life or property insurance, so that the company is obligated to pay this insurance when the insurance owner is exposed to any problem or any losses to which the insured person is exposed, but there are some cases that are not covered by comprehensive insurance and we will review them for you .

Comprehensive insurance covers damages that the insured car may be exposed to, whether through an accident or otherwise. The policyholder is compensated for any loss resulting from an accident or unexpected natural disasters, with the exception of sand storms.

The insurance company compensates the insured for the losses that result from the vehicle being stolen, whether this theft is in whole or in part, or a fire.

Insurance provides comprehensive coverage for all products that are insured.

The insured is exempted from paying the excess amount in the event that a third party is involved in the accident and that the third party is 100% responsible for the accident.

There are some cases that are not covered by the comprehensive insurance policy,

such as :

In the event that the insurance owner is at fault when causing traffic accidents due to driving under the influence of alcohol or driving a vehicle.

The insurance is exempted in the event of driving a car without a license or in the event of making false statements when issuing the policy.

If the accident was agreed upon with the other party involved in the accident, then the accident does not include compensation for the insurance company. Rather, according to the provisions stipulated in the penalties in Saudi Arabia, tampering with traffic accidents is punishable by imprisonment for a period of five years and a financial penalty of one million riyals.

Negligence resulting from leaving the vehicle in running mode is not covered by insurance, but is punishable by law in Saudi Arabia, according to the traffic system, with a fine of up to 5k Saudi riyals, if the vehicle is left in running mode.

The insurance company undertakes to compensate the insured against the loss or damage of the insured vehicle, its accessories and spare parts, which is due to an accident, collision or overturn due to a malfunction or as a result of damage.

shall also be compensated by the company in the event of fire, external explosion, self-ignition, as a result of lightning or thunderstorm.

The insurance is against floods, storms, hurricanes, burglary, house breaking or theft due to an intentional act by another party.

The car insurance amount is paid if any problem occurs for the car during its transportation (including loading and unloading due to transportation) by land, train or sea.

In the event that your insurance policy has expired and you are looking for the best vehicle insurance company in Saudi Arabia and insurance company offers, please visit gonsure.

Learn more about gonsure:

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