Does Comprehensive car insurance cover all claims

Updated: December 25, 2025

Post date 3 minutes read

Comprehensive car insurance policy is usually the preferred choice for car insurance in Saudi Arabia when compared to third-party insurance. The reason why comprehensive car insurance is preferred is because the insurance company usually fully covers all damages of the policy holder’s car and the damages of the third-party vehicle.

Does comprehensive car insurance protect and provide cover you from all car damages in all conditions?

There are some occasions in Saudi when comprehensive car insurance does not provide full coverage even when it is a part of the cover list of add-on in the insurance policy.

Compare Car insurance quotes

Get A Quote

When comparing comprehensive car insurance policies in Saudi Arabia, it is essential to familiarize yourself with the standard insurance terms, and understand how and when to expect and not to expect cover on damages by insurance companies’ even when the outcome of the car accident is your fault.

What are the circumstances in which an insurance company may reject claims?

Comprehensive car insurance will not cover claims for the following conditions:

• Driver’s age: Age factor has a huge impact on the amount of claims a driver can receive from an insurance company. When selecting an insurance policy, the age of the driver’s is asked, and based on the age the insurance company’s cover policy determines whether to cover all damages resulting from a car accident.
• Car accidents caused by driving on an unpaved road (Off-road): individuals are only insured and meant to be driving on road surface pavements. Any accidents or damages that happen while driving on unpaved roads will not be compensated by any insurance company in Saudi Arabia.
• Racing / Drifting accidents: Comprehensive car insurance policy does not cover damages or losses caused by a driver while taking part in illegal road racing or car drifting.
• Purpose of the car: The insurance company does not provide coverage for damages resulting from the individuals abusing the real purpose and capabilities of the vehicle, such as overloading the vehicle or any term that contravenes the insurance policy clauses.
• Traffic Violations: Insurance companies do not cover losses or damages resulted from violating traffic laws for e.g. exceeding the speed limit or passing a red light…
• Exceptional areas: regardless of the covered areas in your insurance policy, there are also some exceptional areas that insurance companies do not cover in Saudi Arabia for damages and losses, such as ports and airports.

These are just some examples of rejections of cover claims from comprehensive car insurance policy by any insurance company in Saudi Arabia. You have to remember some insurance company’s rules and policies differ. Comparing comprehensive car insurance is a vital tool for a car owner in Saudi Arabia.