Agency repairs
In case of any accidental damage, we cover the vehicle's repair at the manufacturer's authorized agency.
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Add additional drivers
More protection, add additional drivers with valid driving licenses.
Choose the right cover for you
- Available Covers
- Third Party
- Comprehensive
- Authorized Driver(s)
- Anyone with a valid driving license can drive the vehicle.
- Insured and Drivers related to the Insured (parents, spouse, children, brothers, sisters, domestic worker) with a valid driving license are covered.
- Agency RepairIn case of any accidental damage, we cover the vehicle's repair at the manufacturer's authorized agency.
- Un-named driver above 21 yearAnyone above 21 years with a valid driving license can drive the vehicle.
- Third party liability, Bodily Injury and Material DamageTaking into consideration a range of incidents, we provide a cover of up to 10,000,000 for Third Party bodily injury and material damage.
- up to 10,000,000
- up to 10,000,000
- Third party liability to family members and passengersAccidents are unfortunate. More so, when you have your family or friends in the car. We provide a third-party liability cover for your passengers as well.
- Loss or damage to Your VehicleYour vehicle is insured against loss or damage caused by accidents, fire, external explosion, burglary, theft and other malicious acts or whilst in transit.
- Repairs at Liva Insurance approved garagesRepair your vehicle at one of Liva Insurance’s approved, state-of-the-art garages and avail our door-to-door service; picking up your vehicle from a location convenient for you and return once it’s repaired.
- No Fault AccidentsExcess will not be collected in case you are not at fault.
- Perils of NatureSometimes, no one is at fault. It’s just the way of the world. Protect your car against rain, flood, and hail.
- Windscreen ProtectionYour coverage includes accidental damage to your windscreen, windows, glass sunroof and any damage to the bodywork, which is caused by the broken glass. No excess fee to be collected on such claims.
- 0% DepreciationWe will not collect the depreciation on any claim.
- No Claims DiscountWe apply No Claims Discount earned by you while arriving at the premium payable for your policy.
- Up to 50%
- Up to 60%
- Loyalty DiscountWe value your relationship with us and will apply Loyalty Discount when it's time to renew your policy.
- Personal Accident Benefit - DriverThe driver gets personal accident benefits of up to 100,000.
- Personal Accident Benefit - PassengersThe passengers get personal accident benefits of up to 100,000.
- Using Your Car in BahrainYour coverage is extended to drive in Bahrain for ‘Own Damage’ cover.
- Using Your Car in GCCWe are right behind you. Get yourself covered for ‘Own Damage’, fire and theft. Be it any country in the GCC.
- Temporary Rent-A-CarSo that you are on the move, even when your car is in the workshop.
- Breakdown RecoveryFrom changing a flat tyre to delivering fuel when your car runs dry, you can count on us.
Frequently asked questions
You can verify your NCD status in 'Insurance Discount Eligibility' section on Najm for Insurance Services website (www.najm.sa).
Chassis Number (also known as Vehicle Identification Number - VIN) is a 17 character code of letters and numbers that identifies your vehicle. You can find it on your vehicle registration card (Istamarah) or by accessing Absher account on Ministry of Interior (MOI) website.
In case of Third Party Policy, any person above 18 years with a valid driving license can drive vehicle with your consent.
For Comprehensive Policy, you have to declare and add All additional driver(s) to your Policy and is subject to payment of applicable premium. Alternatively you may choose Un-Named Driver Cover which allows any person above 18 years with a valid driving license to drive your vehicle.
We can provide you with valuable additional covers like Temporary Rent-A-Car Facility, Personal Accident Benefit, Geographical Extension to GCC countries and Roadside Assistance service.
This is the most basic cover and is compulsory as per the Saudi law. Third-party liability covers you against the physical damage to any third party/person and/or damages to third party property arising out of the use of your motor vehicle.
More importantly, this policy does not cover any damage or loss to your own vehicle.