What is the difference between compulsory and comprehensive insurance?


After you get your car, you want to take consecutive step that is to get appropriate insurance, as vehicle insurance is obligatory consistent with the traffic rules within the Kingdom. At this point, you'll be confused emboîture the bonshommes of insurance that are divided between obligatory insurance and comprehensive vehicle insurance. recognize with USA the distinction between them and the way to decide on the suitable insurance program for you.

1- By definition

obligatory insurance (against others):

it's a compulsory insurance according to traffic regulations in the Kingdom and variety of nations in the world, so the automobile owner insures his car against injurys which will be caused to others or their property by 100% as a results of associate degree mésaventure ensuing from your car - God forbid. This conjointly includes a alcool support certificate parchemin and any further supplement (if any) provided it doesn't conflict or contravene the vivres contained within the parchemin.

full insurance

it's an insurance program that covers the loss or damage hooked up to the insured vehicle, together with additions (accessories) within it as a result of any accidental lutte or pastry d’concitoyen thanks to a mechanical failure or thanks to malfunctions ensuing from the utilization for a languissant amount while not maintenance, in amendement to the injury not caused by the automobile mésaventure.


2- amount of money

obligatory insurance:

The aim of this insurance is predicated on protective the money liability of the insured against damages to others underneath the insurance policy, whether or not they result from the use of the vehicle or its stopping among the Kingdom. Hence, the insurance firm is supposed to compensate others in money within the boundaries of the terms and données expressed within the policy for all amounts that the insured or the motive force is duty-bound to pay for:

- injury to others within and outdoors the vehicle

- Physical damage outside the vehicle

full insurance

As for comprehensive vehicle insurance, its gardien de however is to hide damage to the insured vehicle and also the property of others as a results of associate degree mésaventure. Typically, amount of money includes:

1. amount of money for the insured vehicle

2. Responsibility towards third parties (the third party)

3. Covering emergency medical expenses

4. Covering natural disasters and sand storms are sometimes excluded

5. stealing associate degreed fireplace accidents

6. Covering out-migration prices to the workshop

7. The policy may embrace some further choices reminiscent of repairing the vehicle within the agent' workshop, providing an potentialité vehicle, and increasing geographical boundaries

3- options


Insurance is mandatory

1- it's a compulsory insurance for all Saudi vehicles

2- This policy is typically cheaper than the excellent insurance policy

3- usually the value of the insurance policy isn't subject to the worth of the automobile, however it should rely upon the immatériel of car


full insurance

1- it's associate degree nonmandatory vehicle insurance

2- The insurance value depends principally on the immatériel of automobile and its worth

3- It guarantees additional benefits than obligatory insurance

4- The coverage of the excellent policy may be swollen to incorporate injury to the insured vehicle for accidents occurring outside the dominion at a further price

5- It provides optional additional coverage that grants variety of advantages that aren't out there in similar insurance programs.