In Saudi Arabia, car insurance comes in two main types:
- Comprehensive Insurance: Covers your vehicle, third-party damages, theft, vandalism, fire, and natural disasters. This type is ideal for new, expensive, or frequently used cars.
- Third-Party Insurance: Covers only the damages caused to others in an accident. It is the minimum legal requirement and more affordable, but offers limited protection.
For example, if you’re involved in an accident and at fault, third-party insurance won’t cover your car’s repairs. Comprehensive insurance, on the other hand, will handle both your and the third party’s expenses. Consider your vehicle’s value, your driving habits, and your location (urban vs. rural) before choosing.
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