Terms of Use


You agree to these conditions of use by using this website. Please read the following very carefully.

Registered in KSA under the name of Liva Insurance Company by Insurance Authority with a number ت م ن - 24 -200912   

Liva Insurance (Public Listed Company) Paid Capital (SAR) 400,000,000 C.R. No. 1010287831 Unified No.7001609481 P.O. Box 6393 Riyadh 11442 National Address: 8428 King Fahad Rd AL Muhammadiyah District Unit No 8433 Riyadh 12363 – 4250 Kingdom of Saudi Arabia Web: www.livainsurance.sa Licensed with a number (ت م ن - 24 -200912) subjected to the control and supervision of Insurance Authority. VAT: 300148657600003.    

In these conditions of use, 'our', 'we', 'us' means Liva Insurance Company.


These conditions of use will be governed by and construed in accordance with the KSA law. Any disputes arising in relation to these conditions of use will be subject to the exclusive jurisdiction of the KSA courts. If any of the following provisions become unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions or conditions of use.

Unless otherwise specified, the information on this website is directed solely at those who access the site from the KSA.


The descriptions of all the products and services contained in this website are for information purposes only. The information and descriptions provided are not intended to be complete descriptions of all the terms, conditions and exclusions applicable. The precise coverage afforded by any insurance policy or other product issued by us is subject to the terms, conditions and exclusions of the policies as issued. Any other products and services provided are subject to their specific terms and conditions as set out throughout the site.


We take care to ensure that the information contained in this web site is accurate and up-to-date. However, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this site, which may contain technical inaccuracies and typographical errors.   

We do not provide any legal, accounting, or other professional advice or opinion on specific facts or matters. Also, neither we nor any of our directors, employees, or agents will be liable for damages arising out of or in connection with the use of this site or the information in it.   

This is a comprehensive limitation of liability that applies to all kinds of damages including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property, and third party claims. However, nothing shall exclude or restrict liability for death or personal injury resulting from our negligence or that of our directors, employees or agents.


We reserve the right, at any time and without notice, to revise the contents of this site including these conditions of use. Any changes to these conditions will be posted on this site. If you choose to continue using this site following any such change, it will signify that you agree to be bound by the revised conditions.


By using this site, you agree to the use of any personal data that we may hold on you in accordance with the terms of the privacy policy. A copy of the privacy policy is accessible at any time by clicking on the Legal Information button on the bottom menu.


All design, text, graphics and their selection or arrangements are the copyright of third parties or us. Permission is granted to copy electronically and to print in hard copy, portions of this site, solely for the purpose of using the site to seek a quotation or buy products and services. Any other use of materials on this site (including reproduction for purposes other than those noted above, and alteration, modification, distribution or re-publishing) without prior written permission is strictly prohibited.


Liva Insurance is an independent company registed in KSA, and Royal & Sun Alliance Insurance (Middle East) BSC(c) is a major shareholder with 50% ownership.


We shall not be liable to you for any breach of these conditions of use, or for any failure or delay in providing our services through our site, that result from any event or circumstance beyond our reasonable control. This includes without limitation, strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.   

In this site, certain links including hypertext links will lead you to websites or pages that are not under our control. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the site to which a particular link leads.



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