motor insurance
How to Buy Motor Insurance Online in Saudi Arabia
Buying motor insurance in Saudi Arabia is now fully digital. You can compare quotes and purchase a policy online in minutes through insurance company websites or comparison platforms. This guide walks you through the process step by step.
Who Is This For?
Vehicle owners in Saudi Arabia who need to buy or renew their motor insurance policy online.
What You Need Before Starting
- ✓Your vehicle's sequence number and plate number (found on your Istimara)
- ✓Your Iqama number or National ID
- ✓Your driving license details
- ✓A payment method (mada, credit card, or SADAD)
Step-by-Step Process
- 1Choose whether to buy directly from an insurance company or use a comparison platform. Comparison platforms like tameeni.com allow you to get multiple quotes at once.
- 2Go to your chosen insurer's website or tameeni.com
- 3Enter your vehicle's sequence number — this allows the system to pull your vehicle details automatically from the Najm database
- 4Enter your Iqama number or National ID and driving license details
- 5Select your coverage type — Third-Party Liability (TPL) or Comprehensive
- 6If choosing comprehensive, select any add-ons you want: agency repair, roadside assistance, personal accident cover, etc.
- 7Review the policy details, coverage limits, and exclusions carefully
- 8Pay online using mada, credit card, or SADAD
- 9Your policy is issued instantly and registered on the Najm system — you can download your insurance certificate immediately
- 10Save a copy of the insurance certificate on your phone — you may need to show it at traffic checkpoints or in case of an accident
Common Mistakes to Avoid
- ✗Entering the wrong vehicle sequence number — this will generate a policy for the wrong vehicle
- ✗Not comparing quotes — premiums for identical coverage can differ by 30–50% between insurers
- ✗Not reading the exclusions — some policies exclude certain drivers, vehicle uses, or geographic areas
- ✗Buying insurance from a non-licensed provider — only buy from companies regulated by the Saudi Insurance Authority
- ✗Not checking if your new policy starts immediately after your current policy expires — gaps in cover are not allowed
Timing & Fees
Online purchase is instant. Policy is active immediately upon payment. Fees vary by insurer and coverage type — see our guide on TPL vs Comprehensive for typical price ranges.
Frequently Asked Questions
What is Tameeni?
Tameeni (tameeni.com) is an insurance comparison platform that allows you to compare motor insurance quotes from multiple licensed insurers in one place. It is one of the commonly used platforms for buying motor insurance in Saudi Arabia.
How do I find my vehicle sequence number?
Your vehicle sequence number (also called the vehicle ID number) is printed on your Istimara (vehicle registration card). It is a unique number assigned to each registered vehicle in Saudi Arabia.
Can I insure a car that is not registered in my name?
The insurance policy must match the registered owner of the vehicle. If the car is registered under another person's name, the policy should be in their name.
Can I pay for motor insurance in instalments?
Some insurers offer instalment payment plans, especially for comprehensive policies. Check with your chosen insurer — not all companies offer this option.