A program for the provision of comprehensive insurance cover to the insured moor vehicle comprising liability towards third parties, loss or damage at private motor vehicles of the risk of accidents, theft and fire according to the terms, conditions and exclusions set forth in the insurance policy.

Cost of Al-Shamel Cover

The maximum cover of Al-Shamel insurance is determined by the value of the insured vehicle at the time of accident, in addition to the public liability towards third party affected by the incident. The maximum limit of the company liability is up to SR 10,000,000 in accordance with the terms and conditions contained in the insurance policy during its validity period.

Al-Shamel Basic Covers

1- Loss or Damage to the Insured Car

The company will either reimburse you against any accidental losses or damages to your insured car resulting from road accident, theft, fire or any other perils not specifically excluded from the policy. The company will pay the market value of the car at the time of accident, repair or replace the affected car, if necessary.

2- Liability to Third Parties

The owner of the car or its authorized driver involved in an accident may be asked to indemnify the third parties as a result of an accident caused by the insured car. Under the policy you are guaranteed up to SR 10,000,000 in total liabilities during the policy validity period for the physical and material damage.

3- Natural Disasters

This cover indemnifies you against the loss of or damage to your insured motor vehicle due to hail or flood caused by rains.

4- Emergency Medical Expenses

The comprehensive insurance covers the emergency medical expenses for the car driver or passenger, as a result of an incident in which the insured car is involved.

Additional Extensions of the Program

1- Personal Accident

This extension includes the personal injuries to the driver and passengers as a result of an incident in which the insured car is involved. It also includes medical expenses directly resulting from the accident.

2- Age Restriction Extension

You can expand the age of drivers to include drivers who are less than 25 years old and holding valid Driving License for the car meant by this extension by an additional contribution by the category of age selected.

3- Agency Repairs

Al-Shamel program can be extended to cover the performance of car repairs at the authorized agency against an additional contribution on the value of the cost of basic insurance.

4- Waiver of Depreciation Clause

The depreciation clause will not be applied on the compensation for total loss of the vehicle less than 12 months old against the payment of an additional contribution.

5- Hire Car Facility

Under this extension, the Company will reimburse the insured against actual expenses incurred for the hire of a replacement car until the affected car is repaired or settlement of the claim. The Company pays an equivalent of SR 100 a day according to the maximum limit agreed upon in the policy.

6- Geographical Extension

Al-Shamel program can be extended to include the damage to the insured car in respect of the accidents occurring outside the Kingdom, as well as the personal accident to the driver and passengers if they are covered by the additional extensions in the following countries:

• Bahrain only.
• GCC countries including Bahrain.
• GCC, Egypt, Jordan and Lebanon.

Advantages of the program

• It covers any accidental loss or damage caused to the insured car and is not limited to named risks only.
• The insurance may cover losses arising out of the car’s exposure to theft, whether in whole or in part, in addition to the loss resulting from fire.
• It does cover hail, flood and other convulsions of nature with the exemption of sand storms.
• The company provided a country-wide network of approved workshops that will promptly and efficiently repair your insured card.

Exempting the insured from the deductible ratio if the responsibility of the third party for the accident reaches 100%.

A program that covers third party legal liability resulting from motor accidents shouldered by the car owner or authorized driver according to the terms, conditions and exclusions set forth in the insurance policy.

SANAD cover includes :

• Physical damage to third party
• Physical damage to third party’s property

Cover Cost

In accordance with the terms and conditions contained in SANAD policy, compensation is effected throughout the duration of insurance policy against any damage to third party’s property, physical injury and death or any legal costs. The estimated maximum cover value is SR 10,000,000.

SANAD Program Cover

Liability towards Third Party

In the event of an accident occurring during the policy effective period, involving indemnity for third party liability under the terms of this Policy, the maximum limits of the Company’s liability in respect of bodily injury (including blood money and the sums estimated for injuries and medical expenses) and in respect of property damage shall not exceed SR 10,000,000 (Saudi Riyal ten million) per any one occurrence.

Additional Covers

1. Natural perils caused by hail and floods

SANAD cover can be extended to include the damage or loss sustained by insured car as a result of natural perils such as hail and flooding due to rains or floods, whether such damage arises out of one loss or several losses up to SR 20,000 for the duration of the whole policy validity.

1. Personal Accident

The policy cover is extended against an additional contribution to include personal injury to the driver and passengers as a result of an incident in which the insured car is involved.

Advantages SANAD Program

• The insured is provided with an Insurance Card and Bail Bond approved by the Traffic Police together with SANAD Insurance Policy to prevent the arrest or detainment of the driver causing the accident.
• The insurance covers all types of cars without specifying their type or model.
• The expansion of insurance cover to include the accidents caused by the insured vehicle even if the driver is not present at the accident time.
• All authorized family members can use the insurance policy for one car.
• The age restriction can be extended to include the drivers less than 21 years old.

A program that covers the damages to the private motor vehicle and the legal liability towards the third parties shouldered by the owner of the insured vehicle in accordance with the terms, conditions and exclusions set forth in the insurance policy.

SANAD Plus cover includes the following:

• Loss or damage to the insured car
• Bodily injuries to third parties
• Physical damage to the property of third parties.

SANAD Plus Covers

1. Loss or Damage to the Insured Vehicle

The Program covers the Insured against loss or damage to the insured motor vehicle by accidental and sudden motor accidents. The Company will indemnify the Insured up to SR 10,000 per each accident or fall accidents in the aggregate per one policy year.

1. Liability to Third Parties

In the event of an accident occurring during the policy effective period, involving indemnity for third party liability under the terms of this Policy, the maximum limits of the Company’s liability in respect of bodily injury (including blood money and the sums estimated for injuries and medical expenses) and in respect of property damage shall not exceed SR 10,000,000 (Saudi Riyal ten million) per any one occurrence.

Additional Covers

1. Personal Accidents

This extension covers the personal injuries to the driver and passengers as a result of a motor accident in which the Insured car is involved. The cover provided also includes the medical expenses airing directly out of the accident and is up to SR 25,000 per person.

1. Age Restriction Extension

You can expand the age of drivers to include drivers whose ages range between 18 to 25 years by an additional contribution pursuant to the category of age selected.

Advantages SANAD Plus Program

• Provides limited insurance cover for the damage of the insured car as well as the liability to third parties as it combines between the advantages of Al-Shamel and SANAD Insurance at a lower cost.
• Provides the Insured with a Bail Bond duly approved by the Traffic Police to prevent the arrest or detainment of the driver causing the accident.
• The expansion of insurance cover to include the accidents caused by the insured vehicle even if the driver is not present therein at the accident time.
• The insurance cover includes all types of vehicles regardless of the type, make, model or manufacturing year of the car.

Exempting the insured from the deductible ratio if the responsibility of the third party for the accident reaches 100%.