Motor Insurance
General
What is Car Insurance?
tree Car Insurance is designed for vehicles registered in Saudi Arabia. We offer three plans: Smart Third-Party Insurance, Third-Party Plus, and Comprehensive Insurance, so you can choose the level of protection that best suits your vehicle and your needs.
What's the difference between the plans?
Smart Third-Party Insurance
Our mandatory third-party liability plan. It covers your legal liability if you cause injury to others or damage their property. It also includes Personal Accident cover for the driver at no additional cost.
Third-Party Plus
Includes everything in Smart Third-Party Insurance, with the flexibility to add optional cover such as Collision Damage, GCC Cover, or a Replacement Vehicle.
Comprehensive Insurance
Our highest level of protection. It includes Third-Party Liability cover, as well as protection for your own vehicle against collision, fire, theft, and natural disasters.
When does my policy coverage start?
Your policy starts once your payment has been completed and your policy has been successfully linked with Najm. You can find your coverage start date in the policy schedule sent to your email.
How long is my policy valid?
Your policy provides cover for one year, starting from its effective date.
Does my policy cover me in GCC countries?
Your policy covers you while driving within Saudi Arabia.
If you'd like cover for damage to your vehicle while travelling to other GCC countries, you can add GCC Cover to your Third-Party Plus plan.
Does my insurance cover someone else driving my car?
Yes. Your policy covers you, your immediate family members, and any domestic worker driving your vehicle with your permission, provided they hold a valid Saudi driving licence appropriate for the vehicle type.
With Smart Third-Party Insurance and Third-Party Plus, you can also add named drivers to your policy.
Coverage Basics
What does Third-Party Liability cover?
Third-Party Liability covers your legal responsibility if you cause injury to another person or damage someone else's property. This includes repairing the other vehicle or compensating for injuries.
It doesn't cover damage to your own vehicle.
Does Smart Third-Party Insurance include Personal Accident cover?
Yes. Smart Third-Party Insurance includes Personal Accident cover for the driver at no additional cost.
If the driver suffers a serious injury, permanent disability, or death as a result of a covered road accident, compensation will be paid in accordance with your policy terms. The cover also contributes towards eligible medical treatment costs.
What does Comprehensive Insurance cover?
Comprehensive Insurance protects your vehicle against a wide range of covered incidents, including collision, fire, theft, lightning, hail, floods, and other covered events.
It also covers vehicle recovery and storage after an accident, in addition to the same Third-Party Liability cover included in all plans.
Does my policy cover floods, hail, and other natural disasters?
Yes, but only with Comprehensive Insurance. Your policy covers damage to your vehicle caused by natural disasters, including floods, hail, lightning, and fire, in accordance with your policy terms.
Where can I get my vehicle repaired after an accident?
If you have Comprehensive Insurance, you can choose how your vehicle is repaired when you purchase your policy. You can select repairs at the manufacturer's authorized dealership or at one of tree's approved repair workshops. Your selected repair option will be shown in your policy schedule.
Repairs at the authorized dealership usually cost more because genuine parts are used. If you choose workshop repairs, you can view the full list of tree's approved repair workshops.
Do I have to pay an excess?
Yes. An excess applies to claims for damage to your vehicle. The amount is agreed when you purchase your policy and is shown in your policy schedule.
You won't pay an excess if the other party is fully responsible for the accident. If liability is shared, your excess may be reduced accordingly.
Add-Ons
What optional covers can I add to Third-Party Plus?
With Third-Party Plus, you can customize your cover by choosing one to five optional add-ons, including:
Roadside Assistance: Vehicle towing from the accident scene, including a damage assessment.
Collision Damage Cover: Covers accidental damage to your vehicle, including hit-and-run incidents.
Malicious Damage and Theft: Covers theft of your vehicle and damage caused by deliberate acts of vandalism.
GCC Cover: Covers damage to your vehicle while travelling in GCC countries.
Replacement Vehicle: Provides a daily allowance to rent a replacement vehicle while your car is being repaired.
Glass and Engine Protection: Covers damage to your vehicle's glass and engine caused by water ingress, lubricant leaks, gearbox oil leaks, or engine failure resulting from restarting a water-damaged engine. This cover isn't available for vehicles with more than 200,000 km on the odometer or vehicles that are over 10 years old.
Can I change my optional covers later?
Yes, if your policy allows it, you can add or remove optional covers through the tree app or our website.
Simply:
Sign in to your account.
Go to My Policies.
Select the policy you'd like to update.
Add or remove your optional covers as needed.
Does Third-Party Plus cover damage to my vehicle?
Your vehicle is covered only if you've added Collision Damage Cover to your policy.
Can I add a driver under the age of 25 to my policy?
Yes. You can add drivers aged 18 to 25 with Smart Third-Party Insurance and Third-Party Plus.
When purchasing your policy, select Add Driver, then enter the driver's ID number and date of birth. The driver must hold a valid Saudi driving licence.
Does my policy cover damage to the windscreen?
With Comprehensive Insurance, damage to the windscreen and all other vehicle glass is covered under your vehicle damage cover.
With Smart Third-Party Insurance and Third-Party Plus, glass damage isn't included as standard. However, you can add Glass and Engine Protection with the Third-Party Plus plan. Please refer to the Plans page for more details.
What is the Car Wash service and how do I use it?
The Car Wash service is an optional add-on available with Smart Third-Party Insurance and Third-Party Plus.
After purchasing your policy, you'll receive an activation voucher that you can redeem through the Sweater website to book your car wash service.
What is the Dash Cam service and how do I use it?
Dash Cam is an optional add-on that lets you get a dashboard camera for your vehicle.
After purchasing the service with Smart Third-Party Insurance or Third-Party Plus, you'll receive an SMS with a voucher. You can redeem it through the Dash Cam Saudi Arabia website to arrange delivery and installation.
Claims,Cancellation, Transfer & Renewal
How do I submit a claim?
You can submit your claim quickly and easily through the tree app or our website.
Simply:
- Go to Need Help.
- Select Submit a Claim.
You'll be taken directly to the claims page. From there, you can:
Submit a claim under your own policy.
Submit a third-party claim if you've been affected by a tree policyholder.
How long do I have to submit a claim?
We recommend reporting your accident as soon as possible.
Supporting documents for vehicle damage claims and optional covers must be submitted within 90 days of the accident. Otherwise, your claim may be closed.
Some optional covers, such as Personal Belongings and Child Seat Cover, require claims to be submitted within 30 days. For a Replacement Vehicle, you must submit your request within 24 hours if your vehicle is no longer drivable.
What documents do I need to submit a claim?
You'll usually need:
- An accident report issued by Najm or the Traffic Police.
- A copy of your vehicle registration (Istimara).
- A valid Saudi driving licence.
- Your National ID or Iqama.
- A completed claim form.
If your claim involves bodily injuries, you'll also need medical reports and invoices. Some optional covers may require additional documents, such as a police report or proof of purchase.
How long does it take to settle my claim?
We'll confirm receipt of your claim within 3 business days and let you know if we need any additional documents.
Once we've received all the required documents, we aim to settle straightforward claims within 15 business days. More complex claims may take longer, but we'll keep you updated throughout the process.
How and when will I receive my claim payment?
Once your claim has been approved, we'll transfer your compensation directly to the bank account (IBAN) you provided when submitting your claim.
How can I track my claim?
You can track your claim anytime through the My Claims section in your account on the tree app or our website.
We'll also keep you updated throughout the claims process.
What if the accident was a hit-and-run?
Hit-and-run accidents are covered if:
You have Comprehensive Insurance, or
You have Third-Party Plus with Collision Damage Cover added to your policy.
All you'll need is an accident report from Najm or the Traffic Police confirming the incident.
Please note that hit-and-run accidents aren't covered under Smart Third-Party Insurance.
Can I cancel my policy?
Yes. You can cancel your policy in certain situations, including:
Purchasing a new policy from another insurance company.
Selling your vehicle or transferring ownership.
Total loss of your vehicle (scrapped) or exporting it outside Saudi Arabia.
If you're eligible for a refund, we'll calculate it based on the remaining coverage period, after deducting any applicable administrative fees and any claims that have already been paid.
What happens to my policy if I sell my vehicle?
Your policy is linked to your vehicle and doesn't transfer automatically to the new owner.
Once the ownership transfer has been completed, you can cancel your policy through tree by selecting "Vehicle Sold or Ownership Transferred" as the cancellation reason.
If you're eligible for a refund, we'll transfer the remaining amount to your bank account within a few business days.
Can I transfer my policy to a new vehicle?
No. Your policy can't be transferred to another vehicle.
If you replace your vehicle, you'll need to cancel your current policy and purchase a new policy for your new vehicle.
How do I renew my policy?
Before your policy expires, we'll send you a renewal reminder with a renewal link.
From your account, you can:
- Renew your policy.
- Review your plan.
- Update your optional covers or drivers.
- Complete your payment online.
How can I contact tree?
You can contact us anytime through our website or by calling our Customer Care team on 8001240505.
You can also find all our contact options on the Contact Us page.