Saudi Arabia clarifies driver insurance coverage

The Saudi Arabian Insurance Authority issued a clarification regarding the scope of insurance coverage for drivers in vehicle insurance policies. It explained that the coverage varies depending on the type of policy. Comprehensive insurance is limited to covering drivers who are immediate relatives, such as the father, mother, spouse, children, and siblings, and additional drivers can be added according to the procedures. They pointed out that failing to specify a driver in the policy does not necessarily mean a loss of coverage, as liability toward third parties remains covered. However, damages to the vehicle may not be included unless specified in the additional coverage, with the possibility of seeking compensation from the insurer in certain cases. In the case of mandatory third-party liability insurance, civil liability toward third parties is covered without the need to mention the driver in the policy, while vehicle coverage requires appropriate coverage to be in place. The authority also emphasized the importance of reviewing the policy schedule and coverage details before driving to ensure comprehensive coverage when adding another driver.

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