Question 1

Accepted Answer

The Unified Policy for Compulsory Motor Insurance is a policy containing the general rules and conditions for insurance issued by the Insurance Authority. To view the full document and find out the more about the rights please. Click here

Question 2

Accepted Answer

Third Party Liability (TPL)
insurance is the minimum required level of insurance coverage to drive legally on the Kingdom’s roads.
It only covers the cost of compensating others for injuries or damages caused by you in an accident, and protects you from legal claims and financial damages due to the third party. This coverage does not provide you with any assistance or financial compensation in case of an accident injury or repair of your vehicle.
For more details about Third Party Liability please. Click here
Concerning Comprehensive vehicles (COMP) insurance,
it provides full protection and coverage against damage to your vehicle as a result of an accident that you caused, 
and it includes by default insurance against third parties.
In addition, the comprehensive insurance policy provides coverage for your car against damage caused by fire, theft (without neglect), and natural disasters (floods, hail, storms, etc.). 
For more details aboutcomprehensive insuranceplease. Click here.There are also other car insurance coverages that we offer you through our partners in Eltizam, which have special benefits to suit your needs and budget.

Question 3

Accepted Answer

The insurance company does not compensate the TPL policyholder for the repair of his own vehicle, but rather compensates the third party in case there is liability for the accident by the policyholder, according to the conditions and exceptions described in the insurance policy

Question 4

Accepted Answer

Yes, Eltizam is licensed to sell insurance policies by the Insurance Authority.

Question 5

Accepted Answer

In Eltizam, we wish safety for our customers, but it is necessary to know that insurance is not an investment from which we expect a direct return, but it is a protection for you from risks and financial claims resulting from accidents which no individual can predict or may not be able to afford to pay.

Question 6

Accepted Answer

Yes, we at Eltizam make sure that the prices of the Policies offered on the site are competitive compared to the insurance market.

Question 7

Accepted Answer

Yes, Eltizam Platform is connected with the concerned authorities to ensure that our customers get the best prices, and benefit from all the available discounts, including the "No-Claims" discount approved by the Insurance Authority of Saudi Arabia on all insurance companies for compulsory insurance (TPL).

Question 8

Accepted Answer

Yes, our partners in insurance companies send and export the insurance policy to the National Information Center (Moroor) as soon as the purchase of the insurance policy is successfully completed.

Question 9

Accepted Answer

We always recommend not to leave the vehicle without insurance coverage, not even for one day, for the following reasons:
1- Avoiding the risks of falling into traffic accidents which may result in financial claims on the owner of the vehicle. 
2- In case the vehicle insurance is not renewed, it may lead you to lose the right of benefiting from the "No-claims" discount. 
3- Not renewing the vehicle insurance may expose you to a Moroor (traffic) violation.

Question 10

Accepted Answer

You may renew and issue a new insurance policy before the expiry date of the current one (and this is what we recommend) not exceeding(14) days. All you have to do issign in to your account on Eltizam Platform and request a new insurance and put the "Policy Start Date" being the next day from the expiry date of the current policy.

Question 11

Accepted Answer

Yes, Eltizam Platform provides secure and instant payment channels (SADAD – Credit Cards), and after the purchase of the policy is done, the policy will be issued to the owner immediately and its details will be sent via e-mail. The policy is available for download or printwithin your account.

Question 12

Accepted Answer

According to the laws and regulations of the Insurance Authorityof Saudi Arabia, it is not possible to carry or purchase more than two policies on the same vehicle and with the same name as the owner during the same period. Knowing that a new second policy can be purchased if there are 14 days left before the end of the first policy.

Question 13

Accepted Answer

According to the regulations of the Insurance Authority, car insurance cannot be transferred from person to person, but new insurance must be obtained in case of the purchase of a new vehicle or the transfer of ownership of a vehicle. The previous owner can recover part of the insurance subscription (if any) by contacting the insured company according to the cancellation mechanisms mentioned in the unified compulsory insurance policy.

Question 14

Accepted Answer

We recommend you to read the Unified Policy for Compulsory Motor Insurance for insurance coverage.

Question 15

Accepted Answer

At Eltizam Platform, we seek to provide the easiest and fastest methods to issue your insurance with minimal effort so there is no need to send or upload copies of official documents;Eltizam Platform verifies the authenticity of the information provided by linking it with the National Information Center and the relevant official authorities.

Question 16

Accepted Answer

The verification code will be sent to you within (4) minutes,but in case the message is not received, please confirm the number used at the top of the verification code field.If the number is correct, please click on the resend button.If you have not received the code during several attempts, please contact customer care or send a technical support request through the "Feedback" page and our team will contact you as soon as possible.

Question 17

Accepted Answer

It is the number written on the national identity card which consists of ten digits.

Question 18

Accepted Answer

It is the number on the Iqama Identity Card, which consists of ten digits.

Question 19

Accepted Answer

The company number is the electronic number in the National Information Center and can be found in the upper left corner of the company’s commercial register above the commercial registration number and starts with the number (7).

Question 20

Accepted Answer

The serial number of the vehicle is the number at the bottom of the vehicle’s "Driver License" card (Istemara).

Question 21

Accepted Answer

It is the card number issued by the Customs Authority and located in the upper left corner of the card (only numbers).

Question 22

Accepted Answer

It is the expiration date of the national identity card of the owner of the vehicle and is located in the national identity card below the ID number.

Question 23

Accepted Answer

It is the date of birth of the owner of the vehicle and is located on the card "Iqama ID”.

Question 24

Accepted Answer

The national address is the place and address of residence (policyholder/insured). You can find out your national address through the national address portal from here, and to facilitate the purchase process we added a Google map service where it only requires you to specify your address, and we will fill in the boxes of your national address automatically.

Question 25

Accepted Answer

It means the purpose for which the vehicle is daily used; whether for personal use, for leasing, for the carriage of goods or for the carriage of passengers… Etc.

Question 26

Accepted Answer

If there is any other use with personal use (even if it israrely used), then the other use should be chosen and you are not eligible to select "personal use”.

Question 27

Accepted Answer

In case any change occurs in the data, the information of the insured person, or the vehicle or any information that may affect the insurance policy after the purchase of the policy, the insured (the policy owner) must notify the relevant insurance company, and amend the insurance policy to preserve the rights of the insured, which include, but are not limited to, (national address, vehicle information, policy owner information, purpose of use of the vehicle, age of the driver, city of driving the vehicle, etc..).

Question 28

Accepted Answer

According to the laws and regulations of the Insurance Authority, and referring to the unified policy of compulsory insurance issued by IA, if it is proved that the insured made incorrect statements or concealed facts, the insurance company reserves the right of recourse to the insured. Thus, the insurance policy is not valid.

Question 29

Accepted Answer

This is not possible; the National ID must be renewed first.

Question 30

Accepted Answer

Several inputs affect the price of the insurance policy (each insurance company has its own way of calculating the price of the policy). For example, the type of vehicle, the age of the driver, the area in which the vehicle will be used and the purpose. There are also other factors that affect the price of the policy, such as the existence of previous claims or accidents caused by the owner of the vehicle or one of the drivers.

Question 31

Accepted Answer

Yes, it will affect the price of the policy.

Question 32

Accepted Answer

If the vehicle to be insured has(Istemara), the type of registration is "Registration Card (Istemara)". If the vehicle is a new vehicle from the dealership or imported from abroad – the type of registration in that case is the "customs card".

Question 33

Accepted Answer

It is the date whenthe insurance coverage starts. The beginning of the insurance coverage cannot be on the same day as the insurance application, but is at least one day after the date of the insurance application and up to maximum of (14) days.

Question 34

Accepted Answer

Please try again later and make sure that the information is correct, and in case the issue did not resolve, you can contact customer care either by calling during working hours via the number (8001111205) or sending a request for technical support through the "Feedback" page, and our team will contact you as soon as possible.

Question 35

Accepted Answer

Yes, offers submitted have a specific validity period called the purchase period and when the period expires, you must re-request a new quotation.

Question 36

Accepted Answer

Features of the policy means the coveragesincluded in the insurance policy provided by the insurance company. These covers usually vary from one insurance company to another.

Question 37

Accepted Answer

If there is any false or incorrect information in the insurance policy, you should contact the relevant insurance company directly to update the insurance policy. You can visit our homepage to see the addresses and contact numbers of the insurance companies.

Question 38

Accepted Answer

According to the Unified Policy for Compulsory Motor Insurance, the policy does not cover any driver under the age of 18 (Hijri). In order for a driver under the age of 18 (Hijri) to be covered, the insured must add this driver to the list of additional drivers in order to be covered.