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Car Insurance In Saudi Arabia

Car is considered the highest level of vehicle protection you can get in Saudi Arabia. It goes beyond the basic legal requirement and covers your own car, as well as protection against a wide range of risks—from accidents and theft to fire and natural disasters.  Tree+1

What Is Comprehensive Insurance?

Comprehensive insurance is a full-coverage motor policy that combines:

✔ Third-party liability protection – Covers damage or injury to others caused by you.  Tree ✔ Own-vehicle protection – Covers your car for damage or loss resulting from vehicle accidents, fire, theft, hail, floods, and other insured events.  Tree

In Saudi Arabia, while third-party liability alone is the legal minimum, comprehensive insurance gives you peace of mind by protecting your vehicle and finances against almost all unexpected events on the road. tree.com.sa

Key Features of Tree’s Comprehensive Car Insurance

1. Extensive Coverage

Tree’s comprehensive plan includes:

Accident damage protection

Fire damage

Hail and flood protection

Wide service network across the Kingdom

Third-party liability with high limits (e.g., up to SAR 10 million) for peace of mind. Tree

This means if you’re involved in a collision—whether it’s your fault or not—or if your vehicle suffers damage from natural causes, you can file a claim and receive assistance based on your coverage.  Tree

2. Roadside Assistance

Included free of charge with comprehensive coverage, roadside support helps you in situations like breakdowns, flat tires, or emergency help on the road. Tree

3. Flexible Payment Options

Instead of paying the full annual premium upfront, Tree lets you split your payments into 12 monthly installments with “Tabby”—with no interest or additional fees. That’s designed to help make full coverage more affordable for many drivers. Tree

4. Simple Claims Experience

Filing a claim is meant to be straightforward:

Upload your details and documents online.

Submit them directly through Tree’s platform.

Their team follows up and guides you through the process.  Tree

This digital claims process helps you avoid long waits or complicated in-person submissions.

Who Should Choose Comprehensive Insurance?

Comprehensive insurance is ideal if you:

Own a new or high-value car Want protection against theft, fire, accidents, and natural events Drive frequently in urban areas or long distances Prefer peace of mind beyond the minimum legal requirement. tree.com.sa

Without this full level of coverage, you may end up paying out-of-pocket for vehicle repairs or losses—even if the accident was not your fault.

Why Tree Digital Insurance?

Tree positions itself as Saudi Arabia’s first fully digital insurance agency, offering:

100% online document setup and management Quick quotes and paperless policy issuance  Fast claims processing Control and adjust coverage directly through mobile or web tree.com.sa

This digital approach aims to make auto insurance easier, faster, and more transparent than traditional methods. tree.com.sa

How to Buy a Policy

To get a comprehensive car insurance quote from Tree:

Visit Tree’s car insurance portal.

Enter your vehicle details and driver information.

Choose the comprehensive coverage option.

Customize any add-ons or extras (like higher limits or additional protections).

Complete the purchase online. tree.com.sa

Table of Contents

Zero Depreciation Cover

Engine Protection Cover

No Claim Bonus (NCB) Protector

Roadside Assistance Cover

Return to Invoice Cover

Consumables Cover

Personal Belongings Cover

To Wrap Up

Buying a comprehensive car insurance policy is a great step toward safeguarding your vehicle from a range of risks, be it accidents, theft, or natural calamities. But here’s something not everyone tells you: even the best comprehensive policy may not cover everything. 

That’s where add-ons come in. These optional covers help bridge the gap between what your base policy includes and what you might actually need during a claim. 

Let’s explore the 7 best add-ons that can supercharge your coverage and give you extra peace of mind on the road.

1. Zero Depreciation Cover

Zero Depreciation Cover ensures that you receive the full cost of replacing car parts without factoring in depreciation. This means parts like bumpers, plastic components, and even tyres are reimbursed at their original cost during a claim.

It's especially beneficial for new car owners, where even small damages can lead to high replacement costs. This add-on helps maximise your claim amount and significantly reduces out-of-pocket expenses.

2. Engine Protection Cover

While comprehensive insurance may cover external damage, it usually excludes engine-related repairs due to water ingression or oil leaks. Engine Protection Cover steps in to save you from massive repair bills, especially during monsoons.

This add-on is a must-have if you live in areas prone to waterlogging or poor road conditions. It ensures that the most crucial and expensive part of your car its engine gets the protection it deserves.

3. No Claim Bonus (NCB) Protector

The No Claim Bonus is a reward for claim-free driving, but even one minor claim can reset your discount. With the NCB Protector, you can file a claim without losing this benefit.

It's ideal for responsible drivers who have built up a bonus over the years and want to retain it. This add-on keeps your premium low at renewal and adds real value to your long-term insurance plan.

4. Roadside Assistance Cover

Breakdowns can be unpredictable, and finding help, especially in remote areas or late at night, can be stressful. Roadside Assistance Cover gives you instant support for flat tyres, towing, battery issues, and even emergency fuel.

This add-on is perfect for people who travel frequently or commute long distances. It offers peace of mind knowing that professional help is just a phone call away.

5. Return to Invoice Cover

In case your car is stolen or suffers total damage, your insurer typically pays the current market value, which may be far less than what you paid. Return to Invoice Cover ensures you’re reimbursed for the original invoice value, including taxes and registration.

It’s especially useful in the first few years of owning a new or premium vehicle. This add-on helps you recover your financial investment more completely in worst-case scenarios.

6. Consumables Cover

Many drivers don’t realise that consumables—like engine oil, screws, brake fluid, and more, aren’t included in standard claim settlements. Consumables Cover makes sure those small but essential parts are taken care of during repairs.

Even though these items seem minor, their cumulative cost can be significant during major service jobs. With this add-on, your claim becomes far more comprehensive and financially relieving.

7. Personal Belongings Cover

If you regularly carry valuable gadgets, tools, or personal items in your car, this cover can be a lifesaver. It compensates for the loss or damage of personal belongings in case of theft or an accident.

Ideal for urban commuters and families, this add-on offers a security net beyond your vehicle itself. It ensures that your possessions are also part of your insurance safety plan.

To Wrap Up

Add-ons may feel like small extras, but they can make a big difference when it matters most. Choosing the right ones ensures that your comprehensive car insurance policy truly lives up to its name, offering you full-circle protection tailored to your life and driving habits. 

So the next time you're renewing your policy, take a moment to think beyond the basics and build a safety net that’s as complete as your journey deserves.

Apart from all these getting a right insurance provider is very crucial that’s why we suggest you Zuno.

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