‫اﻟ ﻤ ﺠ ﻤ ﻮ ﻋ ﺔ اﻟ ﻤ ﺘ ﺤ ﺪ ة ﻟ ﻠ ﺘﺄ ﻣ ﯿ ﻦ اﻟ ﺘ ﻌﺎ وﻧ ﻲ‬

Allied Cooperative Insurance Group

P/219/5515/21/20909404/00 : ‫رﻗﻢ اﻟﻮﺛﯿﻘﺔ‬

04/03/2021 : ‫أﺻ ﺪر ت ﻳﻮم‬
Is Age Under 18: No ‫ ﺳﻨﺔ‬18 ‫ھ ﻞ اﻟ ﻌﻤﺮ ﺗﺤﺖ‬: ‫ل‬ 05/03/2021 : ‫اﻟ ﺴﺮﻳ ﺎن‬. ‫ت‬
05/03/2022 : ‫اﻻﻧﺘ ﮫ ﺎ ء‬. ‫ت‬

Motor Vehicle schedule for TPL Insurance (vehicle/s) ( ‫ﺟ ﺪ و ل وﺛ ﯿ ﻘ ﺔ ﺗﺄ ﻣ ﯿ ﻦ اﻟ ﻤ ﺴ ﺆ وﻟ ﯿ ﺔ اﻟ ﻤ ﺪﻧ ﯿ ﺔ ﺗ ﺠﺎ ه اﻟ ﻐ ﯿ ﺮ ) ﻣ ﺮ ﻛ ﺒﺎ ت‬

ID / Nam e of Insured ‫ﷴ ﻋ ﺒﺪاﻟ ﮫﺎ د ي ﺳﻔﺮ اﻟﺤﺮﺑﻲ‬ ‫ ھﻮﻳﺔ اﻟﻤﺆﻣ ﻦ ﻟﻪ‬/ ‫اﺳﻢ‬
Residence A ddress/ Establishment A ddress ‫ ﻋﻨ ﻮان ﻣﻘﺮ اﻟ ﻤﻨﺸﺄة اﻟﺮﺋﯿﺴﻲ‬/‫ﻋﻨ ﻮان اﻟﺴﻜﻦ‬
District Nam e ‫ﺣﻲ ا ﻟ ﺴ ﺒ ﻌ ﯿ ﻦ‬ ‫ا ﺳ ﻢ ا ﻟ ﺤﻲ‬ Building No 7485 ‫رﻗﻢ اﻟﻤ ﺒ ﻨﻰ‬
Unit No ‫رﻗﻢ اﻟﻮ ﺣﺪة‬ City ‫ا ﻟ ﺤ ﻨﺎ ﻛ ﯿ ﺔ‬ ‫اﻟﻤﺪﻳ ﻨﺔ‬
Street Nam e ‫ا ﺳ ﻢ ا ﻟ ﺸ ﺎ رع‬ Postal Code 42633 ‫اﻟﺮﻣﺰ اﻟ ﺒﺮﻳﺪ ي‬
Mobile No 0509385101 ‫رﻗﻢ اﻟﺠﻮال‬ Additional Code 5658 ‫اﻟﺮﻗﻢ اﻹ ﺿﺎﻓﻲ‬
Customer VA T Certificate Number ‫اﻟﺮﻗﻢ اﻟﺘﻌﺮﻳﻔﻲ ﻟﻀﺮﻳﺒ ﺔ اﻟﻘﯿ ﻤ ﺔ اﻟ ﻤﻀﺎﻓ ﺔ ﻟﻠﻌ ﻤﯿﻞ‬
Wasel A ddress ‫ﻋﻨ ﻮان ﺑﺮﻳﺪ واﺻﻞ‬
Additional Code ‫ اﻟﺮﻗﻢ اﻹ ﺿﺎﻓﻲ‬Building No ‫رﻗﻢ اﻟﻤ ﺒ ﻨﻰ‬
District Nam e ‫ اﺳﻢ اﻟﺤﻲ‬City ‫اﻟﻤﺪﻳ ﻨﺔ‬
‫ اﺳﻢ اﻟ ﺸﺎ رع‬Postal Code ‫اﻟﺮﻣﺰ اﻟ ﺒﺮﻳﺪ ي‬
Chassis No MR0EX12G7E2351941 ‫رﻗﻢ اﻟ ﮫ ﯿﻜﻞ‬ Vehicle Plate No 8313 ‫ا ى ك‬ ‫رﻗﻢ ﻟﻮ ﺣﺔ اﻟﻤﺮﻛ ﺒﺔ‬
Year of Manufacture 2014 ‫ﺳ ﻨ ﺔ اﻟ ﺼ ﻨﻊ‬ Body Type ‫ ﻛﺞ‬3500 ‫ﺷﺎ ﺣ ﻨﺔ أﻗﻞ ﻣ ﻦ‬ ‫ﻧﻮع ھ ﯿﻜﻞ اﻟﻤﺮﻛ ﺒﺔ‬
Sequence No 249990410 ‫اﻟﺮﻗﻢ اﻟ ﺘ ﺴ ﻠ ﺴ ﻠﻲ‬ Mak e & Model ‫ ﺑﻜﺐ ﻏﻤﺎ رﺗ ﯿ ﻦ‬/ ‫ﺗﻮﻳﻮﺗﺎ‬ ‫ﻣﺎ رﻛﺔ اﻟﻤﺮﻛ ﺒﺔ و اﻟﻤﻮ دﻳﻞ‬
Seating Capacity 6 ‫اﻟ ﺴﻌﺔ اﻹ رﻛﺎﺑ ﯿﺔ‬ Color ‫اﺑ ﯿ ﺾ‬ ‫ﻟﻮ ن اﻟﻤﺮﻛ ﺒﺔ‬
Custom ID / No ‫رﻗﻢ اﻟﺠﻤﺎ رك‬
‫ ( و ﻻ ﻳﻌ ﺘﺪ اﻻ ﺑﺄ ﺧﺮ ﻧ ﺴﺨﺔ ا ﺻ ﻠ ﯿﺔ ﻣﺨ ﺘﻮﻣﺔ و ﻣﻮﻗﻌﺔ و ﻻ ﺗﻘ ﺒﻞ اﻟ ﻨ ﺴﺦ اﻟﻤ ﺼﻮ رة أو اﻟ ﺘﻲ ﻻ ﺗﺤﻤﻞ ﺧ ﺘﻢ و ﺗﻮﻗ ﯿﻊ‬١) ‫ﺗﻌﺪ ھﺬه اﻟ ﻨ ﺴﺨﺔ اﻷ ﺻ ﻠ ﯿﺔ رﻗﻢ‬
Note that the original docum ent will be issued as num ber (1) & will only be accepted to be verified with Stam p and signed. No other copy
will be accepted unless with required Stam p & signature.
Name of the authorized drivers ‫أﺳ ﻤﺎء اﻟﺴﺎﺋﻘﯿﻦ‬
DO B / ‫ﺗﺎ رﻳﺦ اﻟﻤ ﯿﻼ د‬ ID / ‫رﻗﻢ اﻟ ﮫﻮﻳﺔ‬ Nam e / ‫اﻻﺳﻢ‬
01-07-1366 1026565463 ‫ﷴ ﻋ ﺒﺪاﻟ ﮫﺎ د ي ﺳﻔﺮ اﻟﺤﺮﺑﻲ‬
Geographical lim its : The k ingdom of Saudi Arabia ‫ اﻟﻤﻤ ﻠﻜﺔ اﻟﻌﺮﺑ ﯿﺔ اﻟ ﺴﻌﻮ دﻳﺔ‬: ‫اﻟﺤﺪو د اﻟﺠﻐﺮاﻓ ﯿﺔ‬
Lim its of liability ‫ﺗﺤﺪﻳﺪ اﻟﻤ ﺴﺆوﻟ ﯿﺔ‬
In the event of an accident resulting in com pensation in accordance ‫ﻓﻲ ﺣﺎل وﻗﻮع ﺣﺎ دث ﻳ ﺘﺮﺗﺐ ﻋ ﻠ ﯿﻪ دﻓﻊ ﺗﻌﻮﻳ ﺾ وﻓﻘﺎً ﻷ ﺣﻜﺎم ھﺬه اﻟﻮﺛ ﯿﻘﺔ ﻓﺈ ن اﻟﺤﺪ اﻷﻗ ﺼﻰ‬
with the provisions of this docum ent, the m ax im um liability of the ‫ﻟﻤ ﺴﺆوﻟ ﯿﺔ اﻟ ﺸﺮﻛﺔ ﻓﻲ اﻟﻮاﻗﻌﺔ اﻟﻮا ﺣﺪة و ﺧﻼل ﻓ ﺘﺮة ﺳﺮﻳﺎ ن وﺛ ﯿﻘﺔ اﻟ ﺘﺄﻣ ﯿ ﻦ ﺑﺎﻟ ﻨ ﺴ ﺒﺔ ﻟﻸ ﺿﺮا ر‬
com pany in a single accident and during the period of validity of the ‫ ﷼‬10,000,000 ‫اﻟﺠ ﺴﺪﻳﺔ واﻟﻤ ﺼﺎ رﻳﻒ واﻷ ﺿﺮا ر اﻟﻤﺎ دﻳﺔ ﻣﻌﺎً ﻟ ﻦ ﺗ ﺘﺠﺎو ز ﻣ ﺒ ﻠﻐﺎً إ ﺟﻤﺎﻟ ﯿﺎً ﻗﺪ ره‬
insurance docum ent for Bodily dam ages(including blood m oney and .‫) ﻋ ﺸﺮة ﻣﻼﻳ ﯿ ﻦ ﷼ ﺳﻌﻮ د ي ( ﻛﺤٍﺪ أﻗ ﺼﻰ ﻟﻤ ﺴ ﺌﻮﻟ ﯿﺔ اﻟ ﺸﺮﻛﺔ‬
the am ounts estim ated for bodily injuries and m edical ex penses) ‫ ﻳﺠﺐ ﻋ ﻠﻰ اﻟﻤﺆﻣ ﻦ ﻟﻪ أ ن ﻻ ﻳ ﺴ ﺘﻌﻤﻞ اﻟﻤﺮﻛ ﺒﺔ إﻻ ﻟ ﻠﻐﺮ ض اﻟﻤﺮ ﺧ ﺺ ﻣ ﻦ أ ﺟ ﻠﻪ‬: ‫ﻗ ﯿﻮ د اﻻﺳ ﺘﻌﻤﺎل‬
and property dam age together would not ex ceed a total of ‫ و ﺳ ﯿﺎ رات اﻟ ﻠ ﯿﻤﻮ زﻳ ﻦ‬، ‫ و ﺳ ﯿﺎ رات اﻷ ﺟﺮة‬، ‫ﻻ ﺗﻐﻄﻲ ھﺬه اﻟﻮﺛ ﯿﻘﺔ اﻟ ﺴ ﯿﺎ رات اﻟﻤ ﺴ ﺘﺄ ﺟﺮة‬
10,000,000 SR(Ten m illion riyals), the m ax im um liability of the
com pany.
Restrictions:The vehicle should be used for the perm itted usage
only
This policy is not covering rent a car & tax i / lim ousine
Annual Contribution 620.40 SAR ‫ﺳﻌﻮ د ي‬ ‫ ﷼‬620.40 ‫اﻹﺷ ﺘﺮاك اﻟ ﺴ ﻨﻮ ي‬
Adm in Fees 0.00 SAR ‫ﺳﻌﻮ د ي‬ ‫ ﷼‬0.00 ‫اﻟﻤ ﺼﺎ رﻳﻒ اﻹ دا رﻳﺔ‬
Additional Age Contribution SAR ‫ﺳﻌﻮ د ي‬ ‫﷼‬ ‫اﻟﻌﻤﺮ اﻹ ﺿﺎﻓﻲ‬
Personal Accident to Driver SAR ‫ﺳﻌﻮ د ي‬ ‫﷼‬ ‫ﻣ ﻨﻔﻌﺔ اﻟﺤﻮا دث اﻟ ﺸﺨ ﺼ ﯿﺔ ﻟ ﻠ ﺴﺎﺋﻖ‬
Personal Accident to Passengers SAR ‫ﺳﻌﻮ د ي‬ ‫﷼‬ ‫ﻣ ﻨﻔﻌﺔ اﻟﺤﻮا دث اﻟ ﺸﺨ ﺼ ﯿﺔ ﻟ ﻠﺮﻛﺎب‬
Additional loading (Due to SAR ‫ﺳﻌﻮ د ي‬ ‫﷼‬ ‫اﻟﻘ ﺴﻂ اﻹ ﺿﺎﻓﻲ ﻧ ﺘ ﯿﺠﺔ اﻟﺤﺎ دث‬
accidents) ‫ﺳﻌﻮ د ي‬ ‫﷼‬ () ‫ﺧ ﺼﻢ ﻋﺪم و ﺟﻮ د ﻣﻄﺎﻟ ﺒﺎت‬
No Claim Discount () SAR ‫ﺳﻌﻮ د ي‬ ‫﷼‬ () ‫ﺧ ﺼﻢ ﻟ ﻠﻮﻻء‬
Loyality Discount () SAR ‫ﺳﻌﻮ د ي‬ ‫﷼‬ ‫إ ﺟﻤﺎﻟﻲ اﻟ ﺘﺠﺪﻳﺪ‬
Renewal Total SAR ‫ﺳﻌﻮ د ي‬ ‫ر‬ ‫اﻟ ﺨ ﺼﻢ‬
Special Discount SAR ‫ﺳﻌﻮ د ي‬ ‫ ر‬589.38 ‫اﻹ ﺟﻤﺎﻟﻲ ﺑﺪو ن اﻟ ﻀﺮﻳ ﺒﺔ‬
Prem ium (Ex cl. VAT) 589.38 SAR ‫ﺳﻌﻮ د ي‬ ‫ ر‬88.41 (15.00) ‫ﺿﺮﻳ ﺒﺔ اﻟﻘ ﯿﻤﺔ اﻟﻤ ﻀﺎﻓﺔ‬
VAT (15.00) 88.41 SAR ‫ﺳﻌﻮ د ي‬ ‫ ر‬589.38 UPR VAT
UPR VAT 589.38 SAR ‫ﺳﻌﻮ د ي‬ ‫ ر‬677.79 ‫اﻹ ﺟ ﻤ ﺎ ﻟ ﻲ‬
Total 677.79 SAR
www.acig.com.sa ‫ﻳﻤﻜﻨﻚ ﺗﺤﺪ ﻳﺚ ﺑﯿﺎ ﻧﺎ ﺗﻚ ﻣﻦ ﺧﻠ ﻞ ز ﻳﺎرة ﻣﻮﻗﻊ أﺳﯿﺞ ا ﻟﻠﻜﺘﺮو ﻧﻲ‬
‫اﻟ ﻤ ﺠ ﻤ ﻮ ﻋ ﺔ اﻟ ﻤ ﺘ ﺤ ﺪ ة ﻟ ﻠ ﺘﺄ ﻣ ﯿ ﻦ اﻟ ﺘ ﻌﺎ وﻧ ﻲ‬
‫‪Allied Cooperative Insurance Group‬‬

‫‪Cash Receipt‬‬ ‫ﺳﻨ ﺪ ﻗﺒ ﺾ ﻧ ﻘ ﺪ ي‬

‫‪Am ount Received from Client‬‬
‫‪Com m ission Ex cluding VAT‬‬
‫‪VAT on Com m ission‬‬
‫‪Total Com m ission‬‬
‫‪Com m ission Percentage‬‬
‫‪Brok er Nam e‬‬
‫‪Brok er VAT Registration No‬‬
‫‪Recipient‬‬
‫‪Insured nam e & signature‬‬
‫‪: TAMEENI‬ﻧﻘﻄﺔ اﻟ ﺒ ﯿﻊ ‪PO S/‬‬
‫‪VA T Provisions:‬‬
‫‪ 677.79‬﷼ ﺳﻌﻮ د ي )ﺷﺎﻣﻞ اﻟﻌﻤﻮﻟﺔ ( ‪(Including Com m ission) 677.79‬‬ ‫اﺳ ﺘﻤ ﻠﺖ ﻣ ﻦ اﻟﻤﺬﻛﻮ ر أﻋﻼه ﻣ ﺒ ﻠﻎ‬
‫‪ 11.79‬ر ﺳﻌﻮ د ي ‪SAR‬‬ ‫اﻟﻌﻤﻮﻟﺔ ﺑﺪو ن اﻟ ﻀﺮﻳ ﻨﺔ‬
‫‪11.79 SAR‬‬ ‫ﺿﺮﻳ ﺒﺔ اﻟﻘ ﯿﻤﺔ اﻟﻤ ﻀﺎﻓﺔ‬
‫‪ 13.56‬ر ﺳﻌﻮ د ي‬ ‫إ ﺟﻤﺎﻟﻲ اﻟﻌﻤﻮﻟﺔ‬
‫‪13.56 SAR % 2‬‬ ‫اﻟ ﻨ ﺴ ﺒﺔ اﻟﻤ ﺌﻮﻳﺔ ﻟ ﻠﻌﻤﻮﻟﺔ‬
‫‪2%‬‬ ‫‪TAMEENI‬‬ ‫اﺳﻢ اﻟﻮﻛ ﯿﻞ ‪ /‬اﻟﻮﺳ ﯿﻂ‬
‫‪TAMEENI‬‬ ‫رﻗﻢ ﺗ ﺴﺠ ﯿﻞ اﻟ ﻀﺮﻳ ﺒﺔ‬
‫ا ﻟﻤ ﺴ ﺘ ﻠ ﻢ‬
‫‪Signature‬‬ ‫اﺳﻢ و ﺗﻮﻗ ﯿﻊ اﻟﻤﺆﻣ ﻦ ﻟﻪ‬
‫‪/:RIYADH‬ﻣﺪﻳ ﻨﺔ ‪City‬‬ ‫‪/: TAMEENI‬اﻟ ﺒﺎﺋﻊ ‪Salesm an‬‬
‫أ ﺣﻜﺎم ﺿﺮﻳﺒ ﺔ اﻟﻘﯿ ﻤ ﺔ اﻟ ﻤﻀﺎﻓ ﺔ‪:‬‬

‫‪1. If the policy is issued by ACIG on or after May 11, 2020 then the‬‬
‫‪applicable VAT will be 15% for the policy portion starting 1 July 2020.‬‬
‫‪2. Prices do not include the VAT difference for the coverage period‬‬
‫‪starting from July 1, 2020, as it will be collected from July 1, 2020.‬‬
‫‪7121 Al Am ir Turk i Ibn Abdula Aziz Al-Awal Road - Hiteen Dist.‬‬
‫‪RIYADH 13512 - 2305 Kingdom of Saudi Arabia P.O . Box 40523‬‬
‫‪Riyadh 11511‬‬
‫‪Tel : +966 11 485 2626‬‬ ‫‪Fax : +966 11 485 2727‬‬
‫‪A CIG VA T Registration Number 300007361200003‬‬
‫ﻳﻤﻜﻨﻚ ﺗﺤﺪ ﻳﺚ ﺑﯿﺎ ﻧﺎ ﺗﻚ ﻣﻦ ﺧﻠ ﻞ ز ﻳﺎرة ﻣﻮﻗﻊ أﺳﯿﺞ ا ﻟﻠﻜﺘﺮو ﻧﻲ ‪www.acig.com.sa‬‬
‫‪.1‬إ ذا ﺗﻢ إ ﺻﺪا ر اﻟﻮﺛ ﯿﻘﺔ ﻣ ﻦ ﻗ ﺒﻞ ﺷﺮﻛﺔ اﻟﻤﺠﻤﻮﻋﺔ اﻟﻤ ﺘﺤﺪة ﻟ ﻠ ﺘﺄﻣ ﯿ ﻦ اﻟ ﺘﻌﺎوﻧﻲ ) أﺳ ﯿﺞ ( ﺑ ﺘﺎ رﻳﺦ‬
‫‪ 11‬ﻣﺎﻳﻮ ‪2020‬م أو ﺑﻌﺪ ھﺬا اﻟ ﺘﺎ رﻳﺦ ‪ ،‬ﻓ ﺴ ﺘﻜﻮ ن ﺿﺮﻳ ﺒﺔ اﻟﻘ ﯿﻤﺔ اﻟﻤ ﻀﺎﻓﺔ اﻟﻤﻌﻤﻮل ﺑ ﮫﺎ ‪٪15‬‬
‫ﻟ ﻠﻔ ﺘﺮة اﻟﻤ ﺘ ﺒﻘ ﯿﺔ ﻣ ﻦ اﻟﻮﺛ ﯿﻘﺔ ﺑﺪاﻳﺔ ﻣ ﻦ ‪ 1‬ﻳﻮﻟ ﯿﻮ ‪.2020‬‬
‫‪.2‬اﻷﺳﻌﺎ ر ﻻ ﺗ ﺸﻤﻞ ﻓﺮ ق ﺿﺮﻳ ﺒﺔ اﻟﻘ ﯿﻤﺔ اﻟﻤ ﻀﺎﻓﺔ ﻟﻔ ﺘﺮة اﻟ ﺘﻐﻄ ﯿﺔ ﺑﺪءاً ﻣ ﻦ ‪1‬ﻳﻮﻟ ﯿﻮ ‪، 2020‬‬
‫ﺣ ﯿﺚ ﺳﻮ ف ﻳ ﺘﻢ ﺗﺤ ﺼ ﯿ ﻠ ﮫﺎ اﺑ ﺘﺪاءا ﻣ ﻦ ‪ 1‬ﻳﻮﻟ ﯿﻮ ‪ 2020‬م‬
‫‪ 7121‬طﺮﻳﻖ اﻟﻤ ﯿﺮ ﺗﺮﻛﻲ ﺑ ﻦ ﻋ ﺒﺪاﻟﻌﺰﻳﺰ اﻟﻮل ‪ -‬ﺣﻲ ﺣﻄ ﯿ ﻦ اﻟﺮﻳﺎ ض ‪ 13512 - 2305‬اﻟﻤﻤ ﻠﻜﺔ‬
‫اﻟﻌﺮﺑ ﯿﺔ اﻟ ﺴﻌﻮ دﻳﺔ ص ‪.‬ب ‪ 40523‬اﻟﺮﻳﺎ ض ‪11511‬‬
‫ھﺎﺗﻒ ‪+966 11 485 2727 :‬‬ ‫ﻓﺎﻛﺲ ‪+966 11 485 2626 :‬‬
‫‪300007361200003‬‬ ‫رﻗﻢ ﺗﺴ ﺠﯿﻞ ﺿﺮﻳﺒ ﺔ اﻟﻘﯿ ﻤ ﺔ اﻟ ﻤﻀﺎﻓ ﺔ ‪-‬‬
‫أﺳﯿﺞ‬
Unified Policy for Compulsory Motor Insurance ‫اﻟ ﻮﺛﯿﻘ ﺔ اﻟ ﻤ ﻮ ﺣﺪة ﻟﻠﺘﺄﻣﯿﻦ اﻹﻟﺰاﻣﻲ ﻋﻠﻰ اﻟ ﻤﺮ ﻛﺒﺎت‬

In the nam e of Allah the Entirely Merciful, the Specially Merciful,
peace and blessings be upon the one sent by Allah as a Mercy to
the worlds – The best of the creation and upon his household and
his com panions who followed him – our Prophet Moham m ed bin
Abdullah with the best till the day of judgm ent. Thereafter….
‫ﺑﺴﻢ ﷲ اﻟﺮ ﺣ ﻤﻦ اﻟﺮ ﺣﯿﻢ‬
‫واﻟ ﺼﻼة واﻟ ﺴﻼم ﻋ ﻠﻰ ﻣ ﻦ ﺑﻌ ﺜﻪ ﷲ ر ﺣﻤﺔ ﻟ ﻠﻌﺎﻟﻤ ﯿ ﻦ ﺳ ﯿﺪ اﻟﺨ ﻠﻖ ﻧ ﺒ ﯿ ﻨﺎ ﷴ ﺑ ﻦ ﻋ ﺒﺪ ﷲ‬
: ‫وﻋ ﻠﻰ آل ﺑ ﯿ ﺘﻪ و ﺻﺤ ﺒﻪ اﻟﻄ ﯿ ﺒ ﯿ ﻦ وآﻟ ﮫﻢ ﺑﺈ ﺣ ﺴﺎ ن إﻟﻰ ﻳﻮم اﻟﺪﻳ ﻦ أﻣﺎ ﺑﻌﺪ‬

INTRODUCTION ‫ﻣﻘﺪﻣ ـ ـ ـ ـ ـ ـﺔ‬

In accordance with its Articles of Association, as a com pany
operating under the term s of the Law on Supervision of Cooperative
Insurance Com panies prom ulgated by Royal Decree No. M/32 dated
02/06/1424H, the Allied Cooperative Insurance Group (the
Com pany), in its capacity as a m anager, will m anage two separate
accounts: the shareholders account, and the policyholder's; account.
The com pany records on policyholder's; account, all Policyholder's
contributions, insurance ex penses and revenues, policyholder's
share of investm ent returns, and all rights and obligations of
policyholders. In return of its m anagem ent of the policyholder
accounts, the com pany shares a portion of the net surplus of the
policyholder's account. The Com pany decides at the end of each
financial year the percentage of the net surplus to be shared from
Policyholder's surplus after deducting all operational, m ark eting, and
adm inistrative ex penses resulted from the m anagem ent of the
Com pany. As per the im plem enting regulations of the Law on
Supervision of Cooperative Insurance Com panies, the Com pany
distributes a m inim um of 10 % of the net annual surplus arising
from the insurance operations to the Policyholders and transfers the
balance to the incom e statem ent of the shareholders.
‫ اﻟ ﺼ ـﺎ د ر ﺑﻤﻮ ﺟﺐ‬، ‫ وﻓﻘ ـﺎً ﻟ ﻨﻈ ـﺎم ﻣﺮاﻗ ﺒ ـﺔ ﺷ ـﺮﻛﺎت اﻟ ﺘ ـﺄﻣ ﯿ ﻦ اﻟ ﺘﻌ ـﺎوﻧﻲ‬، ‫ﺑﻤﻮ ﺟﺐ ﻧﻈﺎﻣ ﮫ ـﺎ اﻷﺳﺎﺳ ـﻲ‬
‫ ﺗﻘﻮم ﺷ ـﺮﻛﺔ اﻟﻤﺠﻤﻮﻋ ـﺔ اﻟﻤ ﺘﺤ ـﺪة‬، ‫ھ ـ‬1424/06/02 ‫ وﺗﺎ رﻳﺦ‬32 / ‫اﻟﻤﺮﺳ ـ ـﻮم اﻟﻤ ﻠﻜﻲ رﻗ ـ ـﻢ م‬
‫ أ ﺣ ـﺪ ھﻤﺎ ﺣ ﺴ ـﺎب‬، ‫ ﺑ ـﺈ دا رة ﺣ ﺴ ـﺎﺑ ﯿ ﻦ ﻣ ﻨﻔ ﺼ ـ ﻠ ﯿ ﻦ‬، ‫ﻟ ﻠ ﺘ ـﺄﻣ ﯿ ﻦ اﻟ ﺘﻌ ـﺎوﻧﻲ )اﻟ ﺸ ـﺮﻛﺔ ( ﺑ ﺼ ـﻔ ﺘ ﮫﺎ ﻣ ـﺪﻳًﺮا‬
‫ وﺗﻘ ﯿﺪ‬. ( ‫ واﻵ ـ ﺧﺮ ﺣ ﺴ ـﺎب ﺣﻤ ﻠ ـﺔ وﺛﺎﺋﻖ اﻟ ﺘﺄﻣ ﯿ ﻦ اﻟﻤ ﺸ ﺘﺮﻛ ﯿ ﻦ )اﻟﻤﺆﻣ ﻦ ﻟ ﮫﻢ‬، ‫ﻣ ﺴ ـﺎ ھﻤﻲ اﻟ ﺸ ـﺮﻛﺔ‬
، ‫ اﻻﺷ ﺘﺮاﻛﺎت واﻹﻳﺮا دات اﻟﻤ ﺘ ﻨﻮﻋﺔ اﻟﺨﺎ ﺻﺔ ﺑﻌﻤ ﻠ ﯿﺎت اﻟ ﺘﺄﻣ ﯿ ﻦ‬، ‫اﻟ ﺸ ـﺮﻛﺔ ﻓﻲ ﺣ ﺴ ﻠﺐ ﺣﻤ ﻠﺔ اﻟﻮﺛﺎﺋﻖ‬
‫ و ﺟﻤ ﯿﻊ ﺣﻘﻮ ق ﺣﻤ ﻠﺔ اﻟﻮﺛﺎﺋﻖ‬، ‫وﻧ ﺼ ﯿﺐ ھﺬا اﻟﺤ ﺴﺎب ﻣ ﻦ ﻋﺎﺋﺪ اﺳ ﺘ ﺜﻤﺎ رات أﻣﻮال ﻋﻤ ﻠ ﯿﺎت اﻟ ﺘﺄﻣ ﯿ ﻦ‬
‫ وﺗﺤ ـﺪ د اﻟ ﺸ ـﺮﻛﺔ ﻓﻲ ﻧ ﮫﺎﻳﺔ‬.‫ و ذﻟ ـﻚ ﻧﻈ ﯿﺮ ﺣ ﺼ ـﺔ ﻓﻲ ﺻﺎﻓﻲ ﻓﺎﺋ ﺾ ﻋﻤ ﻠ ﯿﺎت اﻟ ﺘﺄﻣ ﯿ ﻦ‬، ‫واﻟ ﺘﺰاﻣ ـﺎﺗ ﮫﻢ‬
‫ اﻟﻔﺎﺋ ﺾ اﻟ ﺘﺄﻣ ﯿ ﻨﻲ اﻟ ﺼﺎﻓﻲ ﻟﻌﻤ ﻠ ﯿﺎت اﻟ ﺘﺄﻣ ﯿ ﻦ ﺑﻌ ـﺪ ﺧ ﺼﻢ اﻟﻤ ﺼﺎ رﻳﻒ اﻟ ﺘ ﺴﻮﻳﻘ ﯿﺔ‬، ‫ﻛﻞ ﺳ ـ ﻨﺔ ﻣﺎﻟ ﯿ ـﺔ‬
‫ وﺗﻘﻮم‬.‫واﻹ دا رﻳﺔ واﻟ ﺘ ﺸ ـﻐ ﯿ ﻠ ﯿﺔ اﻟﻤ ﺘﻜ ﺒﺪة ﺑ ﺴ ـ ﺒﺐ إ دا رة اﻟ ﺸ ـﺮﻛﺔ ﻟ ﻠﻌﻤ ﻠ ﯿﺎت اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ واﻻﺳ ﺘ ﺜﻤﺎ رﻳﺔ‬
‫ ﺑ ﺘﻮ زﻳ ـﻊ اﻟﻔ ـﺎﺋ ﺾ اﻟ ﺘ ـﺄﻣ ﯿ ﻨﻲ‬، ‫ وﻓًﻘـ ﺎ ﻟﻼﺋﺤ ـﺔ اﻟ ﺘ ﻨﻔ ﯿﺬﻳ ـﺔ ﻟ ﻨﻈ ـﺎم ﻣﺮاﻗ ﺒ ـﺔ ﺷ ـﺮﻛﺎت اﻟ ﺘ ـﺄﻣ ﯿ ﻦ‬، ‫اﻟ ﺸ ـﺮﻛﺔ‬
‫ وﺗﺮ ﺣ ﯿﻞ‬، ‫ ﻟﺤﻤ ﻠﺔ اﻟﻮﺛﺎﺋﻖ ﻣ ﺒﺎﺷ ـﺮة أو ﺑ ﺘﺨﻔ ﯿ ﺾ أﻗ ﺴﺎط ﮫﻢ ﻟ ﻠ ﺴ ﻨﺔ اﻟ ﺘﺎﻟ ﯿﺔ‬% 10 ‫اﻟ ﺼﺎﻓﻲ ﺑ ﻨ ﺴ ﺒﺔ‬
‫ ﻛﻤ ـﺎ ﺗﻘ ـﻮم‬، ‫ إﻟﻰ ﻗﺎﺋﻤ ـﺔ د ﺧ ـﻞ اﻟﻤ ﺴ ـﺎ ھﻤ ﯿ ﻦ ﻧﻈ ﯿﺮ إ دا رﺗ ﮫ ـﺎ ﻟﻌﻤ ﻠ ﯿ ـﺎت اﻟ ﺘ ـﺄﻣ ﯿ ﻦ‬% 90 ‫ﻣﺎ ﻧ ﺴ ـ ﺒ ﺘﻪ‬
.‫اﻟ ﺸﺮﻛﺔ ﺑ ﻀﻤﺎ ن أ ي ﻋﺠﺰ ﻓﻲ ﺣ ﺴﺎب ﺣﻤ ﻠﺔ اﻟﻮﺛﺎﺋﻖ ﺗﻌﺎوﻧًﺎ ﻣﻌ ﮫﻢ ﻋ ﻠﻰ د رء اﻷ ﺧﻄﺎ ر‬

The Insured nam ed in the Schedule by com pleting a corresponding ‫و ﺣ ﯿﺚ أ ن اﻟﻤ ـﺆﻣ ﻦ ﻟﻪ اﻟﻤﺬﻛﻮ ر ﺑﺠﺪول اﻟﻮﺛ ﯿﻘﺔ ﻗﺪ واﻓﻖ ﻋ ﻠﻰ اﻟﻌﺮ ض وﻗﺪم إﻗﺮا را ﻣﻜ ﺘﻮﺑﺎً ﻟ ﻠ ﺸﺮﻛﺔ‬
proposal and written declaration,and which shall be the basis of ‫واﻟ ـﺬ ي ﻳﻤ ﺜﻞ اﻷﺳﺎس ﻟ ﮫ ـﺬا اﻟﻌﻘﺪ وﻳﻌ ﺘ ﺒﺮ ﻣﻜﻤﻞ ﻟ ﮫﺬه اﻟﻮﺛ ﯿﻘﺔ وﻗﺪ ط ﻠﺐ اﻟ ﺘﺄﻣ ﯿ ﻦ ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒ ـﺔ‬
Contract and deem ed to be incorporated in this Policy, has applied .‫ﺣ ﺴﺐ اﻟ ﺸﺮوط واﻟ ﺒ ﻨﻮ د اﻟﻤﻮ ﺿﺤﺔ أ دﻧﺎه‬
to the Com pany for the insurance hereinafter contained.

Allied Cooperative Insurance Group (hereinafter called the
Com pany) after receiving paym ent of the prem ium required from
the Insured, hereby agrees to com pensate the Insured of such
accidents defined under this policy, occurring during the period of
Insurance, from the use of the insured m otor vehicle within the
geographical area stated in the schedule and subject to the term s,
ex ceptions and conditions contained herein or endorsed hereon
(hereinafter collectively referred to as the Term s of this Policy).
‫و ﺣ ﯿ ـﺚ أ ن اﻟﻤﺠﻤﻮﻋ ـ ـﺔ اﻟﻤ ﺘﺤ ـ ـﺪة ﻟ ﻠ ﺘ ـﺄﻣ ﯿ ﻦ اﻟ ﺘﻌ ـﺎوﻧﻲ )وﻳ ﺸ ـﺎ ر إﻟ ﯿ ﮫ ـﺎ ﻓ ﯿﻤ ـﺎ ﺑﻌ ـ ـﺪ ﺑﺎﻟ ﺸ ـ ـﺮﻛﺔ ( ﻗﺪ‬
‫اﺳ ﺘ ﻠﻤﺖ اﻻ ـﺷ ﺘﺮاك اﻟﻤﻘﺮ ر ﻣ ﻦ اﻟﻤﺆﻣ ﻦ ﻟﻪ ﺑ ـﺬﻟﻚ ﺗﻜﻮ ن ﻗ ـﺪ واﻓﻘﺖ أ ن ﺗﻌﻮ ض اﻟﻤﺆﻣ ﻦ ﻟﻪ ﻋ ﻦ ﺗ ﻠﻚ‬
‫ وإﺛ ﻨﺎء اﺳ ﺘﻌﻤﺎل اﻟﻤﺮﻛ ﺒﺔ‬، ‫ واﻟ ﺘﻲ ﺗﻘﻊ ﺧﻼل ﻓ ﺘﺮة ﺳﺮﻳﺎ ن اﻟﻮﺛ ﯿﻘﺔ‬، ‫اﻟﺤﻮا دث اﻟﻤﻮ ﺿﺤﺔ ﺑ ﮫﺬه اﻟﻮﺛ ﯿﻘﺔ‬
‫اﻟﻤﺆﻣ ﻨﺔ ﻓﻲ ﺣﺪو د اﻟﻤ ﻨﻄﻘﺔ اﻟﺠﻐﺮاﻓ ﯿﺔ اﻟﻤﻮ ﺿ ـﺤﺔ ﺑﺠﺪول اﻟﻮﺛ ﯿﻘﺔ ووﻓﻘﺎً ﻟ ﺸﺮوط وﺑ ﻨﻮ د واﺳ ﺘ ﺜ ﻨﺎءات‬
. ( ‫اﻟﻮﺛ ﯿﻘﺔ أو اﻟﻤﻼ ﺣﻖ اﻟﻤ ﻠﺤﻘﺔ ﺑ ﮫﺎ )وﻳ ﺸﺎ ر اﻟ ﯿ ﮫﺎ ﻓﻲ ﻣﺠﻤ ﻠ ﮫﺎ ﺷﺮوط اﻟﻮﺛ ﯿﻘﺔ‬

This policy was issued on the basis of Royal Decree No. 271 dated
20/12/1427 AH on Com pulsory m otor insurance and the Cooperative
Insurance Com panies Control Law issued by Royal Decree No. M /
32 dated 02/06/1424H, and am ended by Royal Decree No. M / 30
dated 27/05/1434 AH, and its im plem enting regulations issued
pursuant to the decision of the Minister of Finance No. 1/596 dated
01/03/1425 H.
‫ھـ‬1427/12/20 ‫ وﺗﺎ رﻳﺦ‬271 ‫ﺻ ـﺪ رت ھ ـﺬه اﻟﻮﺛ ﯿﻘ ـﺔ اﺳ ـ ﺘ ﻨﺎ داً إﻟﻰ اﻷﻣﺮ اﻟ ﺴﺎﻣﻲ اﻟﻜﺮﻳﻢ رﻗﻢ‬
‫ﺑ ﺸ ـﺄ ن اﻟ ﺘ ـﺄﻣ ﯿ ﻦ اﻹ ـﻟﺰاﻣﻲ ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒ ـﺎت وﻧﻈ ـﺎم ﻣﺮاﻗ ﺒ ـ ـﺔ ﺷ ـ ـﺮﻛﺎت اﻟ ﺘ ـﺄﻣ ﯿ ﻦ اﻟ ﺘﻌ ـﺎوﻧﻲ اﻟ ﺼ ـﺎ د ر‬
‫ واﻟُﻤﻌ ـﺪل ﺑﻤﻮ ﺟﺐ اﻟﻤﺮﺳﻮم اﻟﻤ ﻠﻜﻲ‬، ‫ھ ـ‬1424/06/02 ‫ وﺗﺎ رﻳﺦ‬32/‫ﺑ ـﺎﻟﻤﺮﺳﻮم اﻟﻤ ﻠﻜﻲ رﻗﻢ م‬
‫ وﻻﺋﺤ ﺘﻪ اﻟ ﺘ ﻨﻔ ﯿﺬﻳﺔ اﻟ ﺼﺎ د رة ﺑﻤﻮ ﺟﺐ ﻗﺮا ر و زﻳﺮ اﻟﻤﺎﻟ ﯿﺔ رﻗﻢ‬، ‫ھ ـ‬1434/05/27 ‫ وﺗﺎ رﻳﺦ‬30/‫رﻗﻢ م‬
. ‫ھ ـ‬1425/03/01 ‫ وﺗﺎ رﻳﺦ‬596/1

A rticle 1: Unified Policy for Compulsory Motor Insurance ‫ اﻟ ﻮﺛﯿﻘ ﺔ اﻟ ﻤ ﻮ ﺣﺪة ﻟﻠﺘﺄﻣﯿﻦ اﻹﻟﺰاﻣﻲ ﻋﻠﻰ اﻟ ﻤﺮ ﻛﺒﺎت‬: ‫اﻟ ﻤﺎدة اﻷوﻟﻰ‬

This policy specifies the m inim um m andatory insurance for vehicles ‫ﺗﺤ ـﺪ د ھ ـﺬه اﻟﻮﺛ ﯿﻘ ـﺔ اﻟﺤ ـﺪ اﻷ دﻧﻰ ﻟ ﻠ ﺘﺄﻣ ﯿ ﻦ اﻹﻟﺰاﻣﻲ ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒﺎت ﻟ ﺘﻐﻄ ﯿ ـﺔ اﻟﻤ ﺴﺆوﻟ ﯿﺔ اﻟﻤﺪﻧ ﯿﺔ‬
to cover civil liability to third parties in accordance with the term s, ‫ وُﻳﺤﻈﺮ ﻋ ﻠﻰ‬، ‫ﺗﺠ ـﺎه اﻟﻐ ﯿﺮ ط ﺒﻘ ـﺎً ﻟﻸ ﺣﻜ ـﺎم واﻟ ﺸ ـﺮوط واﻻﺳ ـ ﺘ ﺜ ﻨﺎءات اﻟﻮا ر دة ﻓ ﯿ ﮫ ـﺎ أو اﻟﻤ ﻠﺤﻘ ـﺔ ﺑ ﮫﺎ‬
conditions and ex ceptions, contained herein or attached hereto and .‫ﺷﺮﻛﺔ اﻟ ﺘﺄﻣ ﯿ ﻦ واﻟﻤﺆﻣ ﻦ ﻟﻪ اﻻﺗﻔﺎ ق ﻋ ﻠﻰ ﺗﺨﻔ ﯿ ﺾ ﺣﺪو د اﻟﻤ ﺴ ﺌﻮﻟ ﯿﺔ ﻋّﻤﺎ ﺟﺎء ﻓﻲ ھﺬه اﻟﻮﺛ ﯿﻘﺔ‬
prohibits the Insurance Com pany and the Insured to agree to
reduce the lim its of liability for what is stated in this policy.

A rticle 2: Definitions ‫اﻟﺘﻌﺮﻳﻔﺎت‬:‫اﻟ ﻤﺎدة اﻟﺜﺎﻧﯿ ﺔ‬

The following words, phrases and ex pressions, wherever stated in ‫ﻳﻘ ﺼﺪ ﺑﺎﻟﻜ ﻠﻤﺎت واﻟﻌ ﺒﺎ رات اﻵﺗ ﯿﺔ أﻳ ﻨﻤﺎ و ر دت ﻓﻲ ھﺬه اﻟﻮﺛ ﯿﻘﺔ اﻟﻤﻌﺎﻧﻲ اﻟﻤﻮ ﺿﺤﺔ إ زاء ھﺎ ﻣﺎ ﻟﻢ‬
this policy, shall have the m eanings as indicated below unless the ‫ﻳﻘ ﺘ ﺾ ﺳ ﯿﺎ ق اﻟ ﻨ ﺺ ﺧﻼ ف ذﻟﻚ‬
contex t requires otherwise.

1. A ccident: Any accident caused dam age to third parties as a
result of the use, ex plosion, burning, dispersal, m ovem ent,
self-propulsion or park ing of the vehicle.
2. Civil Liability: The liability of the Insured or the Driver to third
parties for the m aterial or physical dam ages caused by the
insured vehicle.
3. Claim: W ritten notice to the Com pany claim ing com pensation
for dam age resulting from a risk not ex cluded in the policy.
‫ ﻛﻞ واﻗﻌﺔ اﻟﺤﻘﺖ ﺿﺮ راً ﺑﺎﻟﻐ ﯿﺮ ﻧ ﺘ ﯿﺠﺔ اﺳ ﺘﻌﻤﺎل اﻟﻤﺮﻛ ﺒﺔ أو اﻧﻔﺠﺎ ر ھﺎ أو‬:‫ اﻟ ﺤﺎدث‬.1
.‫ا ﺣ ﺘﺮاﻗ ﮫﺎ أو ﺗ ﻨﺎﺛﺮ ھﺎ أو ﺣﺮﻛ ﺘ ﮫﺎ أو اﻧﺪﻓﺎﻋ ﮫﺎ اﻟﺬاﺗﻲ أو وﻗﻮﻓ ﮫﺎ‬
‫ ﻣ ﺴ ﺌﻮﻟ ﯿﺔ اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ أو اﻟ ﺴﺎﺋﻖ ﺗﺠﺎه اﻟﻐ ﯿﺮ ﻋﻤﺎ ﻳ ﺘ ﺴ ﺒﺐ ﻓ ﯿﻪ‬: ‫ اﻟ ﻤﺴﺌ ﻮﻟﯿ ﺔ اﻟ ﻤﺪﻧﯿ ﺔ‬.2
. ‫ﻣ ﻦ أ ﺿﺮا ر ﻣﺎ دﻳﺔ أو ﺟ ﺴﺪﻳﺔ أو ﻣ ﺼﺎ رﻳﻒ ﺑﻔﻌﻞ اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﱠﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ‬
‫ ط ﻠﺐ ﺗﻌﻮﻳ ﺾ ﻋ ﻦ ﺿﺮ ر ﻧﺎﺗﺞ ﻋ ﻦ ﺧﻄﺮ ﻏ ﯿﺮ ﻣ ﺴ ﺘ ﺜ ﻨﻰ ﻓﻲ اﻟﻮﺛ ﯿﻘﺔ‬:‫ اﻟ ﻤ ﻄﺎﻟﺒ ﺔ‬.3
 4. Claimant: The natural person or his legal representative or
the legal representative of the legal person who suffered
dam age resulting from a risk not ex cluded in the policy.
5. Company: Allied Cooperative Insurance Group (ACIG)
6. Compensation: Am ounts to be paid by the Com pany to third
parties within the m ax im um civil liability lim it specified in the
policy.
7. Compulsory Insurance Policy: The Third Party Liability
insurance policy for vehicles. It is a contract whereby the
Com pany undertak es to indem nify the Third Parties in the
event of dam age resulting from risk not ex cluded in the policy
due to an accident caused by the vehicle against the prem ium
paid by the Insured. This policy contains the term s,
conditions, ex ceptions, policy schedule and the endorsem ents
(if any), provided that they shall not inconsistent or contrary
to the provisions of this policy.
8. Driver: Anyone who drives the vehicle, 18 years of age and
above, and holds a driver's license.
9. Endorsement: An agreem ent between the Insured and the
Com pany following the issuance of the Policy, by adding,
m odifying or canceling coverage to the basic coverage, and
m ust be attached to the Policy and considered an integral part
thereof.
10. Expenses: All ex penses incurred by third parties due to
dam age resulting from a risk not ex cluded in the policy.
11. Insured: The natural or legal person who signed the insurance
policy with the Com pany and whose nam e is stated in the
policy schedule.
12. Insured Vehicle: Any m eans of transportation prepared to
m ove on wheels or track s that runs or is driven by m echanical
or anim al power, well described in the Policy (ex cluding
trains).
13. Material Change: Change that increases the possibility of risk
occurrence or increases its severity.
14. Material Damage: Dam age to property belonging to third
parties.
15. Material Fact: Any inform ation that m ay affect the Com pany's
decision to accept or reject insurance or affects the insurance
prem ium by 25% or m ore, or the term s and conditions of the
insurance contract.
16. Physical Injury: Death or bodily injury to Third parties,
including perm anent or partial total or partial disability.
17. Premium: The am ount paid by the Insured to the Com pany
against the Com pany's agreem ent to indem nify third parties
for dam age or loss, the direct cause of which is a risk not
ex cluded in the policy.
18. Right of recourse: The right of the Com pany to recover the
com pensation it paid to third parties from the Insured or
Driver who caused the accident for the dam age resulting from
any cases of right of recourse or policy ex ceptions.
19. Schedule: The Schedule attached with the Policy which
contains som e of the Insured and insured vehicle particulars
and is an integral part of the Policy.
20. Third Party: Any natural person or legal entity that sustains
covered injury/dam age under the provisions of this Policy,
ex cluding Insured and/or Driver.
A rticle 3: Insurance Coverage
W HEREAS the Insured has subm itted to the Com pany an insurance
proposal which shall be considered the basis of this Policy, and has
paid (or undertook to pay) the prem ium , and the Com pany
accepted the proposal, the Com pany hereby com m its, in the event
an accident occurred within the territory of Kingdom of Saudi Arabia
and caused dam age resulting from a risk not ex cluded in the Policy
and within the lim it, term s and conditions contained in this Policy,
against all am ounts which the Insured or Driver causing the
accident shall becom e legally liable to pay in respect of:
a. Physical Injury to Third parties inside or outside the vehicle.
b. Material dam age to Third parties outside the vehicle.
c. Ex penses.
A rticle 4: Limit of Liability
In the event of an accident resulting in the paym ent of ‫ﻓﻲ ﺣ ـﺎل وﻗﻮع ﺣ ـﺎ دث ﻳ ﺘﺮﺗﺐ ﻋ ﻠ ﯿﻪ دﻓﻊ ﺗﻌﻮﻳ ﺾ وﻓﻘ ـﺎً ﻷ ﺣﻜ ـﺎم ھ ـﺬه اﻟﻮﺛ ﯿﻘ ـﺔ ﻓﺈ ن اﻟﺤ ـﺪ اﻷﻗ ﺼ ـﻰ‬
com pensation in accordance with the provisions of this Policy, the ‫ﻟﻤ ﺴﺆوﻟ ﯿ ـﺔ اﻟ ﺸ ـﺮﻛﺔ ﻓﻲ اﻟﻮاﻗﻌ ـﺔ اﻟﻮا ﺣﺪة و ﺧﻼل ﻓ ﺘﺮة ﺳ ـﺮﻳﺎ ن وﺛ ﯿﻘﺔ اﻟ ﺘﺄﻣ ﯿ ﻦ ﺑﺎﻟ ﻨ ﺴ ـ ﺒﺔ ﻟﻸ ﺿ ـﺮا ر‬
m ax im um liability of the Com pany in a single accident and during ‫ ﷼‬10,000,000 ‫اﻟﺠ ﺴﺪﻳ ـﺔ واﻟﻤ ﺼﺎ رﻳﻒ واﻷ ﺿ ـﺮا ر اﻟﻤﺎ دﻳﺔ ﻣﻌﺎً ﻟ ﻦ ﺗ ﺘﺠﺎو ز ﻣ ﺒ ﻠﻐﺎً إ ﺟﻤﺎﻟ ﯿﺎً ﻗﺪ ره‬
the period of validity of this policy for physical dam age, ex penses
and m aterial dam ages shall not ex ceed a m ax im um am ount of SR
10,000,000 (ten m illion Saudi Riyals), the m ax im um liability of the
Com pany.
‫ اﻟ ﺸﺨ ﺺ اﻟﻄ ﺒ ﯿﻌﻲ أو ﻣ ﻦ ﻳﻤ ﺜ ﻠﻪ ﻧﻈﺎﻣ ﯿﺎً أو اﻟﻤﻤ ﺜﻞ اﻟ ﻨﻈﺎﻣﻲ‬:‫ ﻣﻘﺪم اﻟ ﻤ ﻄﺎﻟﺒ ﺔ‬.4
.‫ﻟ ﻠ ﺸﺨ ﺺ اﻻﻋ ﺘ ﺒﺎ ر ي اﻟﺬ ي ﻟﺤﻖ ﺑﻪ ﺿﺮ ر ﻧﺎﺗﺞ ﻋ ﻦ ﺧﻄﺮ ﻏ ﯿﺮ ﻣ ﺴ ﺘ ﺜ ﻨﻰ ﻓﻲ اﻟﻮﺛ ﯿﻘﺔ‬
. ( ‫اﻟﻤﺠﻤﻮﻋﺔ اﻟﻤ ﺘﺤﺪة ﻟ ﻠ ﺘﺄﻣ ﯿ ﻦ اﻟ ﺘﻌﺎوﻧﻲ ) أﺳ ﯿﺞ‬:‫ اﻟﺸﺮ ﻛ ﺔ‬.5
‫ اﻟﻤ ﺒﺎﻟﻎ اﻟ ﺘﻲ ﻳ ﺘﻌ ﯿ ﻦ ﻋ ﻠﻰ اﻟ ﺸﺮﻛﺔ دﻓﻌ ﮫﺎ ﻟ ﻠﻐ ﯿﺮ ﺿﻤ ﻦ اﻟﺤﺪ اﻷﻗ ﺼﻰ‬:‫ اﻟﺘﻌ ﻮﻳﺾ‬.6
. ‫ﻟ ﻠﻤ ﺴ ﺌﻮﻟ ﯿﺔ اﻟﻤﺪﻧ ﯿﺔ اﻟﻮا ر د ﻓﻲ ھﺬه اﻟﻮﺛ ﯿﻘﺔ‬
‫ ھﻲ وﺛ ﯿﻘﺔ ﺗﺄﻣ ﯿ ﻦ اﻟﻤ ﺴ ﺌﻮﻟ ﯿﺔ اﻟﻤﺪﻧ ﯿﺔ ﺗﺠﺎه اﻟﻐ ﯿﺮ‬:(‫ وﺛﯿ ﻘ ﺔ اﻟﺘﺄﻣﯿﻦ اﻹﻟﺰاﻣﻲ )اﻟ ﻮﺛﯿﻘ ﺔ‬.7
‫ﻟ ﻠﻤﺮﻛ ﺒﺎت وﺗﻌ ﺘ ﺒﺮ ﻋﻘﺪاً ﺗ ﺘﻌ ﮫﺪ ﺑﻤﻘ ﺘ ﻀﺎه اﻟ ﺸﺮﻛﺔ ﺑﺄ ن ﺗﻌﻮ ض اﻟﻐ ﯿﺮ ﻋ ﻨﺪ وﻗﻮع ﺿﺮ ر ﻧﺎﺗﺞ‬
‫ ﻣﻘﺎﺑﻞ‬، ‫ ﺑ ﺴ ﺒﺐ ﺣﺎ دث ﺗ ﺴ ﺒ ﺒﺖ ﻓ ﯿﻪ اﻟﻤﺮﻛ ﺒﺔ‬، ‫ﻋ ﻦ ﺧﻄﺮ ﻏ ﯿﺮ ﻣ ﺴ ﺘ ﺜ ﻨﻰ ﻓﻲ اﻟﻮﺛ ﯿﻘﺔ‬
‫ وﺗ ﺸﻤﻞ ھﺬه اﻟﻮﺛ ﯿﻘﺔ اﻷ ﺣﻜﺎم واﻟ ﺸﺮوط واﻻﺳ ﺘ ﺜ ﻨﺎءات‬، ‫اﻻﺷ ﺘﺮاك اﻟﺬ ي ﻳﺪﻓﻌﻪ اﻟﻤﺆﻣ ﻦ ﻟﻪ‬
‫و ﺟﺪول اﻟﻮﺛ ﯿﻘﺔ واﻟﻤﻼ ﺣﻖ )إ ن و ﺟﺪت ( ﻋ ﻠﻰ أﻻ ﻳ ﺘﻌﺎ ر ض أ ي ﻣ ﻨ ﮫﺎ أو ﻳﺨﺎﻟﻒ اﻷ ﺣﻜﺎم‬
.‫اﻟﻮا ر دة ﻓﻲ ھﺬه اﻟﻮﺛ ﯿﻘﺔ‬
‫ ﺳ ﻨﺔ ھﺠﺮﻳﺔ وﻣﺎ ﻓﻮ ق‬18 ‫ ﻛﻞ ﻣ ﻦ ﻳﻘﻮ د اﻟﻤﺮﻛ ﺒﺔ وﻋﻤﺮه‬:(‫ ﺳﺎﺋ ﻖ اﻟ ﻤﺮ ﻛﺒ ﺔ )اﻟﺴﺎﺋ ﻖ‬.8
.‫وﻳﺤﻤﻞ ر ﺧ ﺼﺔ ﻗ ﯿﺎ دة‬
‫ ﺑﺈ ﺿﺎﻓﺔ أو ﺗﻌﺪﻳﻞ‬، ‫ اﺗﻔﺎ ق ﺑ ﯿ ﻦ اﻟﻤﺆﻣ ﻦ واﻟﻤﺆﻣ ﻦ ﻟﻪ ﻻ ﺣﻖ ﻋ ﻠﻰ إ ﺻﺪا ر اﻟﻮﺛ ﯿﻘﺔ‬:‫ اﻟ ﻤﻠ ﺤ ﻖ‬.9
ً‫ وﻳﺠﺐ أ ن ﻳﻜﻮ ن ﻣﺮﻓﻘﺎً ﺑﺎﻟﻮﺛ ﯿﻘﺔ وﻳﻌ ﺘ ﺒﺮ ﺟﺰءا‬، ‫أو إﻟﻐﺎء ﺗﻐﻄ ﯿﺎت إﻟﻰ اﻟ ﺘﻐﻄ ﯿﺎت اﻷﺳﺎﺳ ﯿﺔ‬
.‫ﻻ ﻳ ﺘﺠﺰأ ﻣ ﻨ ﮫﺎ‬
‫ ﺟﻤ ﯿﻊ اﻟ ﺘﻜﺎﻟ ﯿﻒ اﻟ ﺘﻲ ﻳ ﺘﺤﻤ ﻠ ﮫﺎ اﻟﻐ ﯿﺮ ﺑ ﺴ ﺒﺐ اﻟ ﻀﺮ ر اﻟ ﻨﺎﺗﺞ ﻋ ﻦ ﺧﻄﺮ ﻏ ﯿﺮ‬:‫ اﻟ ﻤﺼﺎ رﻳ ﻒ‬.10
. ‫ﻣ ﺴ ﺘ ﺜ ﻨﻰ ﻓﻲ اﻟﻮﺛ ﯿﻘﺔ‬
‫ اﻟ ﺸﺨ ﺺ اﻟﻄ ﺒ ﯿﻌﻲ أو اﻻﻋ ﺘ ﺒﺎ ر ي اﻟﺬ ي أﺑَﺮم ﻣﻊ اﻟ ﺸﺮﻛﺔ وﺛ ﯿﻘﺔ اﻟ ﺘﺄﻣ ﯿ ﻦ‬:‫ اﻟ ﻤ ﺆﱠﻣﻦ ﻟ ﻪ‬.11
.‫واﻟﻤ ﺒ ﯿ ﻦ اﺳﻤﻪ ﻓﻲ ﺟﺪول اﻟﻮﺛ ﯿﻘﺔ‬
‫ﻛﻞ وﺳ ﯿ ﻠﺔ ﻣ ﻦ وﺳﺎﺋﻞ اﻟ ﻨﻘﻞ أﻋﺪت ﻟ ﻠ ﺴ ﯿﺮ ﻋ ﻠﻰ‬:(‫ اﻟ ﻤﺮ ﻛﺒ ﺔ اﻟ ﻤ ﺆﻣﻦ ﻋﻠﯿﮫﺎ )اﻟ ﻤﺮ ﻛﺒ ﺔ‬.12
‫ اﻟﻤﻮ ﺿﺤﺔ ﻣﻮا ﺻﻔﺎﺗ ﮫﺎ ﻓﻰ اﻟﻮﺛ ﯿﻘﺔ‬، ‫ ﺗ ﺴ ﯿﺮ أو ﺗﺠﺮ ﺑﻘﻮة آﻟ ﯿﺔ أو ﺣ ﯿﻮاﻧ ﯿﺔ‬، ‫ﻋﺠﻼت أو ﺟ ﻨﺰﻳﺮ‬
. ( ‫)ﻻ ﺗ ﺸﻤﻞ اﻟﻘﻄﺎ رات‬
‫ اﻟ ﺘﻐ ﯿ ﯿﺮ اﻟﺬ ي ﻳﺆ د ي إﻟﻰ زﻳﺎ دة ﻧ ﺴ ﺒﺔ ا ﺣ ﺘﻤﺎل وﻗﻮع اﻟﺨﻄﺮ أو ﻳﺆ د ي‬: ‫ اﻟﺘﻐﯿﯿﺮ اﻟ ﺠ ﻮھﺮ ي‬.13
.‫إﻟﻰ زﻳﺎ دة ﺟ ﺴﺎﻣ ﺘﻪ‬
. ‫ اﻟ ﺘ ﻠﻔ ﯿﺎت اﻟ ﺘﻲ ﻗﺪ ﺗ ﻠﺤﻖ ﺑﺎﻟﻤﻤ ﺘ ﻠﻜﺎت اﻟﻌﺎﺋﺪة ﻟ ﻠﻐ ﯿﺮ‬:‫ اﻷﺿﺮا ر اﻟ ﻤﺎدﻳ ﺔ‬.14
‫ أ ي ﻣﻌ ﻠﻮﻣﺔ ﻗﺪ ﺗﺆﺛﺮ ﻋ ﻠﻰ ﻗﺮا ر اﻟ ﺸﺮﻛﺔ ﻓﻲ ﺗﺤﺪﻳﺪ اﻻﺷ ﺘﺮاك‬:‫ اﻟ ﺤ ﻘﯿﻘ ﺔ اﻟ ﺠ ﻮھﺮﻳ ﺔ‬.15
.‫ وأﻛ ﺜﺮ أو ﻋ ﻠﻰ ﺷﺮوط اﻟﻮﺛ ﯿﻘﺔ أو ﻗ ﺒﻮل اﻟﻤﻄﺎﻟ ﺒﺔ‬% 25 ‫ﺑ ﻨ ﺴ ﺒﺔ‬
‫ اﻟﻮﻓﺎة أو اﻹ ﺻﺎﺑﺎت اﻟ ﺒﺪﻧ ﯿﺔ اﻟ ﺘﻲ ﻗﺪ ﺗ ﻠﺤﻖ ﺑﺎﻟﻐ ﯿﺮ ﺑﻤﺎ ﻓﻲ ذﻟﻚ اﻟﻌﺠﺰ‬:‫ اﻷﺿﺮا ر اﻟ ﺠﺴﺪﻳ ﺔ‬.16
. ‫اﻟﻜ ﻠﻲ أو اﻟﺠﺰﺋﻲ اﻟﺪاﺋﻢ أو اﻟﻤﺆﻗﺖ‬
‫ اﻟﻤ ﺒ ﻠﻎ اﻟﺬ ي ﻳﺪﻓﻌﻪ اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ ﻟ ﻠ ﺸﺮﻛﺔ ﻣﻘﺎﺑﻞ ﻣﻮاﻓﻘﺔ اﻟ ﺸﺮﻛﺔ ﻋ ﻠﻰ‬: ‫ اﻻﺷﺘﺮا ك‬.17
‫ﺗﻌﻮﻳ ﺾ اﻟﻐ ﯿﺮ ﻋ ﻦ اﻟ ﻀﺮ ر أو اﻟﺨ ﺴﺎ رة اﻟ ﺘﻲ ﻳﻜﻮ ن اﻟ ﺴ ﺒﺐ اﻟﻤ ﺒﺎﺷﺮ ﻓﻲ وﻗﻮﻋ ﮫﺎ ﺧﻄﺮاً ﻏ ﯿﺮ‬
.‫ﻣ ﺴ ﺘ ﺜ ﻨﻰ ﻓﻲ اﻟﻮﺛ ﯿﻘﺔ‬
‫ ھﻮ ﺣﻖ اﻟ ﺸﺮﻛﺔ ﻓﻲ اﺳ ﺘ ﯿﻔﺎء ﻣﺎ دﻓﻌ ﺘﻪ ﻣ ﻦ ﺗﻌﻮﻳ ﺾ ﻟ ﻠﻐ ﯿﺮ ﻣ ﻦ اﻟﻤﺆﻣ ﻦ‬:‫ ﺣ ﻖ اﻟﺮ ﺟ ﻮع‬.18
‫ﻟﻪ أو اﻟ ﺴﺎﺋﻖ أو اﻟﻤ ﺘ ﺴ ﺒﺐ ﻓﻲ اﻟﺤﺎ دث ﻋ ﻦ اﻟ ﻀﺮ ر اﻟ ﻨﺎﺗﺞ ﻣ ﻦ إ ﺣﺪ ى ﺣﺎﻻت اﻟﺮ ﺟﻮع أو‬
.‫اﻻﺳ ﺘ ﺜ ﻨﺎءات‬
‫ اﻟﺠﺪول اﻟﻤﺮﻓﻖ ﺑﺎﻟﻮﺛ ﯿﻘﺔ واﻟﻤ ﺘ ﻀﻤ ﻦ ﻟ ﺒﻌ ﺾ ﺑ ﯿﺎﻧﺎت اﻟﻤﺆﻣ ﻦ ﻟﻪ واﻟﻤﺮﻛ ﺒﺔ‬:‫ ﺟﺪو ل اﻟ ﻮﺛﯿﻘ ﺔ‬.19
.‫وﻳﻌ ﺘ ﺒﺮ ﺟﺰءاً ﻻ ﻳ ﺘﺠﺰأ ﻣ ﻨ ﮫﺎ‬
‫ ﻛﻞ ﺷﺨ ﺺ ط ﺒ ﯿﻌﻲ أو اﻋ ﺘ ﺒﺎ ر ي ﺗ ﻠﺤﻖ ﺑﻪ ﺧ ﺴﺎ رة أو ﺿﺮ ر ﻧﺎﺗﺞ ﻋ ﻦ ﺧﻄﺮ ﻏ ﯿﺮ‬:‫ اﻟﻐﯿﺮ‬.20
. ‫أو اﻟ ﺴﺎﺋﻖ أو اﻟﻤ ﺘ ﺴ ﺒﺐ ﻓﻲ اﻟﺤﺎ دث‬/‫ﻣ ﺴ ﺘ ﺜ ﻨﻰ ﻓﻲ اﻟﻮﺛ ﯿﻘﺔ ﺑﺎﺳ ﺘ ﺜ ﻨﺎء اﻟﻤﺆﻣ ﻦ ﻟﻪ و‬
‫اﻟﺘﻐ ﻄﯿ ﺔ اﻟﺘﺄﻣﯿﻨﯿ ﺔ‬: ‫اﻟ ﻤﺎدة اﻟﺜﺎﻟﺜ ﺔ‬
‫ﺣ ﯿﺚ إ ن اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ ﻗ ـﺪ ﺗﻘ ـﺪم إﻟﻰ اﻟ ﺸ ـﺮﻛﺔ ﺑﻄ ﻠﺐ ﺗ ـﺄﻣ ﯿ ﻦ ُﻳﻌ ـﺪ أﺳﺎﺳﺎً ﻟ ﮫ ـﺬه اﻟﻮﺛ ﯿﻘ ـﺔ و دﻓﻊ )أو‬
‫ ﻓﺈﻧ ﮫ ـﺎ ﺗ ﻠ ﺘﺰم إ ذا وﻗﻊ ﺣﺎ دث‬، ‫ وﻗ ﺒ ﻠﺖ اﻟ ﺸ ـﺮﻛﺔ ھ ـﺬا اﻟﻄ ﻠﺐ‬، ‫ﺗﻌ ﮫ ـﺪ ﺑ ـﺪﻓﻊ ( اﻻ ـﺷ ﺘﺮاك اﻟﻤﻄ ﻠﻮب ﻣ ﻨﻪ‬
‫دا ﺧ ـﻞ أ را ﺿ ـﻲ اﻟﻤﻤ ﻠﻜ ـﺔ اﻟﻌﺮﺑ ﯿ ـﺔ اﻟ ﺴ ـﻌﻮ دﻳﺔ وأﻟﺤ ـﻖ ﺿ ـﺮ راً ﻧﺎﺗﺠ ـﺎً ﻋ ـ ﻦ ﺧﻄﺮ ﻏ ﯿﺮ ﻣ ﺴ ـ ﺘ ﺜ ﻨﻰ ﻓﻲ‬
‫اﻟﻮﺛ ﯿﻘﺔ و ﺿﻤ ﻦ ﺣﺪو د اﻷ ﺣﻜﺎم واﻟ ﺸﺮوط اﻟﻮا ر دة ﺑ ﮫﺎ ﺑ ﺘﻌﻮﻳ ﺾ اﻟﻐ ﯿﺮ ﻋ ﻦ اﻟﻤ ﺒﺎﻟﻎ ﺟﻤ ﯿﻌ ﮫﺎ اﻟ ﺘﻲ ُﻳ ﻠﺰم‬
: ‫اﻟﻤﺆﻣ ﻦ ﻟﻪ أو اﻟ ﺴﺎﺋﻖ أو اﻟﻤ ﺘ ﺴ ﺒﺐ ﻓﻲ اﻟﺤﺎ دث ﺑﺪﻓﻌ ﮫﺎ ﻟﻘﺎء‬
‫أ ( اﻷ ﺿﺮا ر اﻟﺠ ﺴﺪﻳﺔ اﻟ ﺘﻲ ﺗ ﻠﺤﻖ ﺑﺎﻟﻐ ﯿﺮ دا ﺧﻞ اﻟﻤﺮﻛ ﺒﺔ أو ﺧﺎ ر ﺟ ﮫﺎ‬
.‫ب ( اﻷ ﺿﺮا ر اﻟﻤﺎ دﻳﺔ اﻟ ﺘﻲ ﺗ ﻠﺤﻖ ﺑﺎﻟﻐ ﯿﺮ ﺧﺎ رج اﻟﻤﺮﻛ ﺒﺔ‬
.‫ج ( ا ﻟﻤ ﺼ ﺎ ر ﻳ ﻒ‬
‫ ﺣﺪود اﻟﺘﻐ ﻄﯿ ﺔ‬: ‫اﻟ ﻤﺎدة اﻟﺮاﺑﻌ ﺔ‬
. ‫) ﻋ ﺸﺮة ﻣﻼﻳ ﯿ ﻦ ﷼ ﺳﻌﻮ د ي ( ﻛﺤٍﺪ أﻗ ﺼﻰ ﻟﻤ ﺴ ﺌﻮﻟ ﯿﺔ اﻟ ﺸﺮﻛﺔ‬
A rticle 5: What the Company shall not excluded from its liabilities ‫ ﻣﺎﻻ ﻳ ﺠ ﻮ ز ﻟﻠﺸﺮ ﻛ ﺔ اﻟﺘ ﻤﺴﻚ ﺑ ﻪ ﺗ ﺠﺎه اﻟﻐﯿﺮ‬:‫اﻟ ﻤﺎدة اﻟ ﺨﺎﻣﺴ ﺔ‬
towards Third parties

The Com pany reserves no right to deny liability for com pensation
towards Third parties under the provisions of this Policy as a result
of violation com m itted by the Insured or Driver, whether the
violation occurred prior or after the accident, or as a result of
noncom pliance with the provisions contained in this Policy, without
prejudice to the right of the Com pany to recourse against the
Insured or Driver by all legal m eans after com pensating the Third
parties if the recourse is justified.
‫ﻣﻊ ﻣﺮاﻋ ـﺎة اﻟﻤ ـﺎ دة اﻟ ﺘﺎﺳ ـﻌﺔ ﻣ ﻦ ھ ـﺬه اﻟﻮﺛ ﯿﻘ ـﺔ ﻻ ـ ﻳﺠﻮ ز ﻟ ﻠ ﺸ ـﺮﻛﺔ أ ن ﺗ ﺘﻤ ﺴﻚ ﺗﺠﺎه اﻟﻐ ﯿﺮ ﺑﻌ ـﺪم‬
‫ﻣ ﺴ ـ ـ ﺌﻮﻟ ﯿ ﺘ ﮫﺎ ﻋ ـ ﻦ اﻟ ﺘﻌ ـﻮﻳ ﺾ ﺑﻤ ـﻮ ﺟﺐ ھ ـﺬه اﻟﻮﺛ ﯿﻘ ـﺔ ﺑ ﺴ ـ ـ ﺒﺐ ا رﺗﻜ ـﺎب اﻟﻤ ـﺆﻣ ﻦ ﻟ ـﻪ أو اﻟ ﺴ ـﺎﺋﻖ أو‬
‫اﻟﻤ ﺘ ﺴ ـ ﺒﺐ ﻓﻲ اﻟﺤﺎ دث أ ي ﻣﺨﺎﻟﻔ ـﺔ ﺳﻮاء أﻛﺎﻧﺖ اﻟﻤﺨﺎﻟﻔﺔ ﻗ ﺒﻞ اﻟﺤﺎ دث أم ﺑﻌﺪه أم ﺑ ﺴ ـ ﺒﺐ ﻋﺪم‬
‫ ﻣﻊ ﻋ ـﺪم اﻹ ﺧﻼل ﺑﺤﻖ اﻟ ﺸ ـﺮﻛﺔ ﺑﺎﻟﺮ ﺟﻮع ﻋ ﻠﻰ اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ أو‬، ‫اﻟ ﺘﺰاﻣﻪ ﺑﻤﺎ و ر د ﻓﻲ ھ ـﺬه اﻟﻮﺛ ﯿﻘ ـﺔ‬
‫اﻟ ﺴ ـﺎﺋﻖ أو اﻟﻤ ﺘ ﺴ ـ ﺒﺐ ﻓﻲ اﻟﺤﺎ دث ﺑﻌ ـﺪ اﻟ ـﺪﻓﻊ ﻟ ﻠﻐ ﯿﺮ ﺑﻜﺎﻓ ـﺔ اﻟﻄﺮ ق اﻟ ﻨﻈﺎﻣ ﯿ ـﺔ إ ن ﻛﺎ ن ﻟ ﻠﺮ ﺟﻮع ﻣﺎ‬
.‫ﻳ ﺒﺮ ره‬

A rticle 6: Claims Settlement Procedures ‫ إ ﺟﺮاءات ﺗﺴ ﻮﻳ ﺔ اﻟ ﻤ ﻄﺎﻟﺒﺎت‬:‫اﻟ ﻤﺎدة اﻟﺴﺎدﺳ ﺔ‬

1. Upon receipt of any claim , the Com pany shall be com m itted
to provide the claim ant with an evidence of receiving the
claim , and to inform the claim ant of any deficiencies within
three work ing days (for individuals) and nine work ing days
(for com panies) from receipt of the claim . The Com pany is
also com m itted to appoint a surveyor or loss assessor, if
necessary, within a period of tim e not ex ceeding three
work ing days (for individuals) and nine work ing days (for
com panies) from the date of receipt of the claim .
2. The Com pany shall settle the claim s with all fairness and
integrity without any com prom ises within a m ax im um period
of fifteen Hijri days (for individuals) and forty-five Hijri days
(for com panies) from the date of receipt of the com pleted
claim from the claim ant. If the claim is based on an
enforceable judicial verdict and has subm itted by the Claim ant
or the Insured has notified the Com pany, the Com pany is
bound by the above.
3. The Com pany is com m itted to inform the claim ant in writing
of the acceptance or rejection of the claim , partially or totally,
the Com pany is com m itted to clarify the am ount of
com pensation and the way it was assessed.
4. The Com pany shall settle the insurance claim s by depositing
the am ount of com pensation in the beneficiary's bank account
directly through the International Bank Account Num ber
(IBAN).
5. Subject to the dates specified in paragraphs (1, 2) of this
Article, the Com pany shall settle the claim in case the claim is
subm itted after the repair of the vehicle. The claim ant shall
provide the Com pany with the actual repair invoices, handling
of the accident by the authorized agency and the claim ant
shall provide the Com pany with dam age estim ation report
issued by the authorized agency in respect of the accident
com m itted by the vehicle.
، ‫ ﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ ﻋ ﻨﺪ ﺗ ﻠﻘﻲ أ ي ﻣﻄﺎﻟ ﺒﺔ ﺑﺄ ن ﺗﺰِوّد ﻣﻘﺪﻣ ﮫﺎ ﺑﻤﺎ ُﻳﻔ ﯿﺪ اﺳ ﺘﻼﻣ ﮫﺎ ﻟ ﻠﻤﻄﺎﻟ ﺒﺔ‬.1
‫وإﻋﻼﻣﻪ ﺑﺄ ي ﻧﻮاﻗ ﺺ ﺧﻼل ﺛﻼﺛﺔ أﻳﺎم ﻋﻤﻞ )ﻟﻸﻓﺮا د ( وﺗ ﺴﻌﺔ أﻳﺎم ﻋﻤﻞ )ﻟ ﻠ ﺸﺮﻛﺎت ( ﻣ ﻦ‬
ً‫ وﻟ ﻠ ﺸﺮﻛﺔ ﺗﻌ ﯿ ﯿ ﻦ ﺧ ﺒ ﯿﺮ ﻣﻌﺎﻳ ﻨﺔ أو ﻣﻘﺪ ر ﺧ ﺴﺎﺋﺮ إ ذا ﻛﺎ ن ذﻟﻚ ﺿﺮو رﻳﺎ‬، ‫ﺗ ﻠﻘ ﯿ ﮫﺎ اﻟﻤﻄﺎﻟ ﺒﺔ‬
( ‫ﺧﻼل ﻣﺪة زﻣ ﻨ ﯿﺔ ﻻ ﺗ ﺘﺠﺎو ز ﺛﻼﺛﺔ أﻳﺎم ﻋﻤﻞ )ﻟﻸﻓﺮا د ( وﺗ ﺴﻌﺔ أﻳﺎم ﻋﻤﻞ )ﻟ ﻠ ﺸﺮﻛﺎت‬
.‫ﻣ ﻦ ﺗﺎ رﻳﺦ اﺳ ﺘﻼم اﻟﻤﻄﺎﻟ ﺒﺔ‬
‫ ﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ ﺑ ﺘ ﺴﻮﻳﺔ اﻟﻤﻄﺎﻟ ﺒﺎت ﺑﻜﻞ ﻧﺰا ھﺔ وﻋﺪاﻟﺔ دو ن أ ي ﻣ ﺴﺎوﻣﺔ ﺧﻼل ﻣﺪة‬.2
( ‫أﻗ ﺼﺎ ھﺎ ﺧﻤ ﺴﺔ ﻋ ﺸﺮ ﻳﻮﻣﺎ ھﺠﺮﻳﺎً )ﻟﻸﻓﺮا د ( و ﺧﻤ ﺴﺔ وأ رﺑﻌ ﯿ ﻦ ﻳﻮﻣﺎً ھﺠﺮﻳﺎً )ﻟ ﻠ ﺸﺮﻛﺎت‬
‫ وﻓﻲ ﺣﺎل ﻣﺎ إ ذا‬، ‫ﻣ ﻦ ﺗﺎ رﻳﺦ اﺳ ﺘﻼم اﻟﻤﻄﺎﻟ ﺒﺔ ﻣﻜ ﺘﻤ ﻠﺔ اﻟﻤ ﺴ ﺘ ﻨﺪات ﻣ ﻦ ﻣﻘﺪم اﻟﻤﻄﺎﻟ ﺒﺔ‬
‫ﻛﺎﻧﺖ اﻟﻤﻄﺎﻟ ﺒﺔ ﻣ ﺴ ﺘ ﻨﺪة ﻋ ﻠﻰ ﺣﻜﻢ ﻗ ﻀﺎﺋﻲ ﻗﺎﺑﻞ ﻟ ﻠ ﺘ ﻨﻔ ﯿﺬ وُﻗﺪﻣﺖ ﻣ ﻦ ﻣﻘﺪم اﻟﻤﻄﺎﻟ ﺒﺔ‬
.‫ ﻓﺈ ن اﻟ ﺸﺮﻛﺔ ﺗ ﻠ ﺘﺰم ﺑﻤﺎ و ر د أﻋﻼه‬، ‫أو ﻗﺎم اﻟﻤﺆﻣ ﻦ ﻟﻪ ﺑﺈﺑﻼغ اﻟ ﺸﺮﻛﺔ‬
‫ وﻓﻲ ﺣﺎل ﻗ ﺒﻮل‬، ‫ ﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ ﺑﺈﺑﻼغ ﻣﻘﺪم اﻟﻤﻄﺎﻟ ﺒﺔ ﺑﻘ ﺒﻮل أو رﻓ ﺾ اﻟﻤﻄﺎﻟ ﺒﺔ‬.3
.‫اﻟﻤﻄﺎﻟ ﺒﺔ ﻛ ﻠ ﯿﺎً أو ﺟﺰﺋ ﯿﺎً ﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ ﺑ ﺘﻮ ﺿ ﯿﺢ ﻣ ﺒ ﻠﻎ اﻟ ﺘﻌﻮﻳ ﺾ وﻛ ﯿﻔ ﯿﺔ اﻟ ﺘﻮ ﺻﻞ إﻟ ﯿﻪ‬
‫ ﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ ﺑ ﺘ ﺴﻮﻳﺔ وﺗ ﺴﺪﻳﺪ اﻟﻤﻄﺎﻟ ﺒﺎت اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﻣ ﻦ ﺧﻼل إﻳﺪاع ﻣ ﺒ ﻠﻎ اﻟ ﺘﻌﻮﻳ ﺾ‬.4
‫ﻓﻲ اﻟﺤ ﺴﺎب اﻟ ﺒ ﻨﻜﻲ ﻟ ﻠﻤ ﺴ ﺘﻔ ﯿﺪ ﻣ ﺒﺎﺷﺮة ﻋ ﻦ طﺮﻳﻖ رﻗﻢ اﻟﺤ ﺴﺎب اﻟﻤ ﺼﺮﻓﻲ اﻟﺪوﻟﻲ‬
.(IBAN)
‫ ( ﻣ ﻦ ھﺬه اﻟﻤﺎ دة ﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ‬2,1 ) ‫ ﻣﻊ ُﻣﺮاﻋﺎة اﻟﻤﺪ د اﻟﻤﺤﺪ دة ﻓﻲ اﻟﻔﻘﺮﺗ ﯿ ﻦ رﻗﻢ‬.5
‫ﺑ ﺘ ﺴﻮﻳﺔ اﻟﻤﻄﺎﻟ ﺒﺔ ﻓﻲ ﺣﺎل ﺗﻘﺪﻳﻢ اﻟﻤﻄﺎﻟ ﺒﺔ ﺑﻌﺪ إ ﺻﻼح اﻟﻤﺮﻛ ﺒﺔ ﻋ ﻠﻰ أ ن ﻳﻘﻮم ﻣﻘﺪم‬
‫اﻟﻤﻄﺎﻟ ﺒﺔ ﺑ ﺘﺰوﻳﺪ اﻟ ﺸﺮﻛﺔ ﺑﺎﻟﻔﻮاﺗ ﯿﺮ اﻟﻔﻌ ﻠ ﯿﺔ ﻟﻺ ﺻﻼح وﻳ ﺸ ﺘﺮط ﻣ ﺒﺎﺷﺮة اﻟﺤﺎ دث ﻣ ﻦ اﻟﺠ ﮫﺔ‬
‫اﻟﻤﺨﻮﻟﺔ ﺑﻤ ﺒﺎﺷﺮﺗﻪ وﺗﺰوﻳﺪ اﻟ ﺸﺮﻛﺔ ﺑ ﺘﻘﺮﻳﺮ ﺗﻘ ﯿ ﯿﻢ أ ﺿﺮا ر ﺣﺎ دث اﻟﻤﺮﻛ ﺒﺔ ﺑﻌﺪ اﻟﺤﺎ دث وﻗ ﺒﻞ‬
.‫اﻹ ﺻﻼح اﻟ ﺼﺎ د ر ﻋ ﻦ اﻟﺠ ﮫﺔ اﻟﻤﺮ ﺧ ﺼﺔ‬

6. In the event that the Com pany fails to com ply with its ‫ ﻓﻲ ﺣﺎل ﻋﺪم اﻟ ﺘﺰام اﻟ ﺸﺮﻛﺔ ﺑ ﺘ ﺴﻮﻳﺔ اﻟﻤﻄﺎﻟ ﺒﺎت ﺧﻼل اﻟﻔ ﺘﺮة اﻟ ﻨﻈﺎﻣ ﯿﺔ دو ن و ﺟﻮ د‬.6
com m itm ent to settle the claim s during the statutory period ‫ﺳ ﺒﺐ ﻧﻈﺎﻣﻲ ﻳﺤﻖ ﻟﻤﻘﺪم اﻟﻤﻄﺎﻟ ﺒﺔ ﺗﻘﺪﻳﻢ ﺷﻜﻮ ى ﻋ ﻦ طﺮﻳﻖ ﻣﻮﻗﻊ ﺳﺎﻣﺎ ﺗ ﮫ ﺘﻢ‬
for unjustified reasons, the Claim ant has the right to file a ‫ ( أو اﻟ ﺘﻘﺪم ﺑﻄ ﻠﺐ إﻟﻰ ﻟﺠﺎ ن اﻟﻔ ﺼﻞ ﻓﻲ اﻟﻤ ﻨﺎ زﻋﺎت‬W W W .Sam acares.sa)
com plaint through the SAMA Care website ( ‫واﻟﻤﺨﺎﻟﻔﺎت اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﻹﻟﺰام اﻟ ﺸﺮﻛﺔ ﺑ ﺘ ﺴﻮﻳﺔ اﻟﻤﻄﺎﻟ ﺒﺔ وﺗﻌﻮﻳ ﻀﻪ ﻋ ﻦ أ ي ﺗﻜﺎﻟ ﯿﻒ‬
www.Sam acares.sa )or to apply to the Dispute Settlem ent and .‫ﺗﺤﻤ ﻠ ﮫﺎ ﻧ ﺘ ﯿﺠﺔ ﻋﺪم اﺳ ﺘﺨﺪاﻣﻪ ﻟ ﻠﻤﺮﻛ ﺒﺔ ﺑ ﺴ ﺒﺐ ﺗﺄ ﺧﺮ اﻟ ﺸﺮﻛﺔ ﻓﻲ ﺗ ﺴﻮﻳﺔ اﻟﻤﻄﺎﻟ ﺒﺔ‬
Insurance O ffenses Com m ittees to com pel the Com pany to
settle the claim and com pensate for any costs incurred as a
result of non-use of the vehicle due to delays in settlem ent of
the claim .
7. W hen the claim is rejected partially or totally, the Com pany is
com m itted to the following: : ‫ أﻣﺎ ﻋ ﻨﺪ رﻓ ﺾ اﻟﻤﻄﺎﻟ ﺒﺔ ﺟﺰﺋ ﯿﺎً أو ﻛ ﻠ ﯿﺎً ﻓﺈ ن اﻟ ﺸﺮﻛﺔ ﺗ ﻠ ﺘﺰم ﺑﺎﻵﺗﻲ‬. 7
a. Provide the claim ant with the reasons for the total or partial
‫ ﺗﺰوﻳﺪ ﻣﻘﺪم اﻟﻤﻄﺎﻟ ﺒﺔ ﺑﺄﺳ ﺒﺎب اﻟﺮﻓ ﺾ اﻟﻜ ﻠﻲ أو اﻟﺠﺰﺋﻲ‬.‫أ‬
rejection. ‫ إﺑﻼغ ﻣﻘﺪم اﻟﻤﻄﺎﻟ ﺒﺔ ﺑﺈﻣﻜﺎﻧ ﯿﺔ ﺗﻘﺪﻳﻢ ﺷﻜﻮ ى ﻋ ﻦ طﺮﻳﻖ ﻣﻮﻗﻊ ﺳﺎﻣﺎ‬.‫ب‬
b. Inform the claim ant of the possibility of filing a com plaint
‫ ( أو ﺗﻘﺪﻳﻢ دﻋﻮاه إﻟﻰ ﻟﺠﺎ ن اﻟﻔ ﺼﻞ ﻓﻲ اﻟﻤ ﻨﺎ زﻋﺎت‬www.Sam acares.sa) ‫ﺗ ﮫ ﺘﻢ‬
through the SAMA Care website ( www.Sam acares.sa )or
‫واﻟﻤﺨﺎﻟﻔﺎت اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ اﻟﻤ ﻨ ﺼﻮ ص ﻋ ﻠ ﯿ ﮫﺎ ﻓﻲ اﻟﻤﺎ دة اﻟﻌ ﺸﺮﻳ ﻦ ﻣ ﻦ ﻧﻈﺎم ﻣﺮاﻗ ﺒﺔ ﺷﺮﻛﺎت‬
subm itting his case to the com m ittees for the settlem ent of .‫اﻟ ﺘﺄﻣ ﯿ ﻦ اﻟ ﺘﻌﺎوﻧﻲ ﻟ ﻠ ﻨّﻈﺮ ﻓ ﯿ ﮫﺎ ﻣ ﻦ ﻗِ ﺒﻞ ﺗ ﻠﻚ اﻟ ﻠﺠﺎ ن‬
disputes and insurance violations stipulated in Article 20 of the
‫ ﺗﺰوﻳﺪ ﻣﻘﺪم اﻟﻤﻄﺎﻟ ﺒﺔ ﺑ ﻨ ﺴﺨﺔ ﻣ ﻦ اﻟﻮﺛﺎﺋﻖ واﻟﻤ ﺴ ﺘ ﻨﺪات اﻟﻤﺆﻳﺪة ﻟﻘﺮا ر اﻟ ﺸﺮﻛﺔ ﻓﻲ‬.‫ج‬
Cooperative Insurance Com panies Control Law for .‫ﺣﺎل طَﻠﺐ ﻣﻘﺪم اﻟﻤﻄﺎﻟ ﺒﺔ ذﻟﻚ ﻣ ﻦ اﻟ ﺸﺮﻛﺔ‬
consideration by these com m ittees.
c. Provide the claim ant with a copy of the docum ents in support
of the Com pany's decision in the event that the claim ant
requested from the com pany.

A rticle 7: General Conditions ‫ اﻟﺸﺮوط اﻟﻌﺎﻣ ﺔ‬:‫اﻟ ﻤﺎدة اﻟﺴﺎﺑﻌ ﺔ‬

1. A lteration:
: ‫ اﻟﺘﻐﯿﯿﺮ‬. 1
The Insured shall notify the Com pany within twenty work ing days of ‫ﻋ ﻠﻰ اﻟﻤﺆﻣ ﻦ ﻟﻪ إﺷ ـﻌﺎ ر اﻟ ﺸ ـﺮﻛﺔ ﺧﻼ ـل ﻋ ﺸ ـﺮﻳ ﻦ ﻳﻮم ﻋﻤ ـﻞ ﻋ ﻦ أ ي ﺗﻐ ﯿ ﯿﺮ ﺟﻮ ھﺮ ي ﻓﻲ ﺷ ـﻲء‬
any m aterial change in the representation stated in the insurance ‫ وﻋ ﻠﻰ اﻟ ﺸﺮﻛﺔ إ ﺧﻄﺎ ر اﻟﻤﺆﻣ ﻦ ﻟﻪ ﻓﻲ ﺣﺎل رﻏ ﺒ ﺘ ﮫﺎ ﻓﻲ زﻳﺎ دة‬، ‫ﺻﺮح ﺑﻪ ﻓﻲ ﻧﻤﻮ ذج ط ﻠﺐ اﻟ ﺘﺄﻣ ﯿ ﻦ‬
application form . The Com pany shall notify the Insured in case of its ‫ وﻋ ـ ـﺪم إ ﺧﻄ ـﺎ ر‬، ‫ أو إﻋ ـﺎ دة ﺟﺰء ﻣ ﻨ ـﻪ ﻓﻲ ﺣ ـﺎل ﺧﻔ ﺾ اﻻ ـﺷ ﺘﺮاك‬، ‫ﻣ ﺒ ﻠ ـﻎ إ ﺿ ـ ـﺎﻓﻲ ﻋ ﻠﻰ اﻻ ـﺷ ﺘﺮاك‬
desire to charge additional am ount to the prem ium or to refund a .‫اﻟ ﺸﺮﻛﺔ ﻟ ﻠﻤﺆﻣ ﻦ ﻟﻪ ﻳﻌ ﻨﻲ ﻣﻮاﻓﻘ ﺘ ﮫﺎ اﺳ ﺘﻤﺮا ر اﻟ ﺘﻐﻄ ﯿﺔ ﺑﺬات اﻻﺷ ﺘﺮاك اﻟﻤ ﺘﻔﻖ ﻋ ﻠ ﯿﻪ ﻋ ﻨﺪ اﻟ ﺘﻌﺎﻗﺪ‬
portion thereof in the event of a reduction in the prem ium . If the
Insured is not notified, it m eans the Com pany is in agreem ent to
continue the insurance coverage with the sam e prem ium agreed
upon at the inception of the insurance contract.
2. Company's right to handle legal proceedings and settlement:
: ‫ ﺣ ﻖ اﻟﺸﺮ ﻛ ﺔ ﻓﻲ ﺗ ﻮﻟﻲ اﻹ ﺟﺮاءات اﻟﻘﻀﺎﺋﯿ ﺔ واﻟﺘﺴ ﻮﻳ ﺔ‬. 2
The Com pany has the right to:
: ‫ﻟ ﻠ ﺸﺮﻛﺔ اﻟﺤﻖ ﻓﻲ أ ن‬
a. Represent the Insured or Driver in any investigation or
interrogation relating to any claim that is subject of
indem nification under this Policy. ‫ ﺗﻤ ﺜﻞ اﻟﻤﺆﻣ ﻦ ﻟﻪ أو اﻟ ﺴﺎﺋﻖ ﻓﻲ أ ي ﺗﺤﻘ ﯿﻖ أو اﺳ ﺘﺠﻮاب ﻳ ﺘﻌ ﻠﻖ ﺑﻤﻄﺎﻟ ﺒﺔ ﺗﻜﻮ ن ﻣﺤﻞ‬.‫أ‬
b. Handle any defense procedures to defend the Insured or Driver .‫ﺗﻌﻮﻳ ﺾ ﺑﻤﻮ ﺟﺐ ھﺬه اﻟﻮﺛ ﯿﻘﺔ‬
before any judicial body relating to any claim or accusation ‫ ﺗ ﺘﻮﻟﻰ إ ﺟﺮاءات اﻟﺪﻓﺎع ﻋ ﻦ اﻟﻤﺆﻣ ﻦ ﻟﻪ أو اﻟ ﺴﺎﺋﻖ أﻣﺎم أ ي ﺟ ﮫﺔ ﻗ ﻀﺎﺋ ﯿﺔ ﺑ ﺸﺄ ن أ ي‬.‫ب‬
concerning any event that m ay be the subject of indem nification .‫ا دﻋﺎء أو اﺗ ﮫﺎم ﻟﻪ ﻋﻼﻗﺔ ﺑﺤﺪث ﻗﺪ ﻳﻜﻮ ن ﻣﺤﻞ ﺗﻌﻮﻳ ﺾ ﺑﻤﻮ ﺟﺐ ھﺬه اﻟﻮﺛ ﯿﻘﺔ‬
under this Policy. ‫ ﻳﺠﺐ ﻋ ﻠﻰ اﻟﻤﺆﻣ ﻦ ﻟﻪ إ ﺧﻄﺎ ر اﻟ ﺸﺮﻛﺔ ﺑﺄﺳﺮع وﻗﺖ ﺑﻤﺠﺮ د ﻋ ﻠﻤﻪ ﺑﻘ ﯿﺎم دﻋﻮ ى أو‬.‫ج‬
c. The Insured shall notify the Com pany as soon as possible as .‫ ﻣﺎﻟﻢ ﻳﻜ ﻦ اﻟ ﺘﺄ ﺧ ﯿﺮ ﻟﻌﺬ ر ﻣﻘ ﺒﻮل‬، ‫ﺗﺤﻘ ﯿﻖ أو ﺗﺤﺮﻳﺎت ﺧﺎ ﺻﺔ ﺑﺎﻟﺤﺎ دث اﻟﻤﺬﻛﻮ ر‬
he learns of any lawsuit, investigation or inquiry related to the
said accident, unless the delay is attributed to an acceptable
reason.
3. Company's right to include the name of the Insured in the
system of the Saudi Credit Bureau (SIMA H): ‫ ﺣ ﻖ اﻟﺸﺮ ﻛ ﺔ ﻓﻲ إد راج اﺳﻢ اﻟ ﻤ ﺆﱠﻣﻦ ﻟ ﻪ ﻓﻲ ﻧ ﻈﺎم اﻟﺸﺮ ﻛ ﺔ اﻟ ﻤﺮ ﺧﺺ ﻟﮫﺎ ﺑ ﺠ ﻤﻊ‬. 3
:‫اﻟ ﻤﻌﻠ ﻮﻣﺎت اﻻﺋﺘ ﻤﺎﻧﯿ ﺔ ﻋﻦ اﻟ ﻤﺴﺘﮫﻠﻜﯿﻦ‬
The Com pany has the right in case the Insured failed to pay the
contributions of the policyto include the nam e of the Insured in the ‫ﻳﺤﻖ ﻟ ﻠ ﺸﺮﻛﺔ ﻓﻲ ﺣﺎل ﺗﻌ ﺜﺮ اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ ﻋ ﻦ ﺳﺪا د اﺷ ﺘﺮاﻛﺎت اﻟﻮﺛ ﯿﻘﺔ إ د راج اﺳﻢ اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ ﻓﻲ‬
system of the Saudi Credit Bureau (SIMAH). .‫ﻧﻈﺎم اﻟ ﺸﺮﻛﺔ اﻟﻤﺮ ﺧ ﺺ ﻟ ﮫﺎ ﺑﺠﻤﻊ اﻟﻤﻌ ﻠﻮﻣﺎت اﻻﺋ ﺘﻤﺎﻧ ﯿﺔ ﻋ ﻦ اﻟﻤ ﺴ ﺘ ﮫ ﻠﻜ ﯿ ﻦ‬

4. Obligations of the Insured or Driver in case of occurrence of

an accident covered under this Policy: :‫ اﻟﺘﺰاﻣﺎت اﻟ ﻤ ﺆﱠﻣﻦ ﻟ ﻪ أو اﻟﺴﺎﺋ ﻖ ﻋﻨﺪ وﻗ ﻮع ﺧ ﻄﺮ ﻏﯿﺮ ﻣﺴﺘﺜﻨﻰ ﻓﻲ اﻟ ﻮﺛﯿﻘ ﺔ‬. 4
a. Inform the authorities im m ediately as soon as an accident
‫ وﻋﺪم ﻣﻐﺎ د رة ﻣﻮﻗﻊ اﻟﺤﺎ دث إﻟﻰ ﺣ ﯿ ﻦ‬، ‫ إﺑﻼغ اﻟﺠ ﮫﺎت اﻟﻤﺨ ﺘ ﺼﺔ ﻓﻮ ر وﻗﻮع ﺣﺎ دث‬.‫أ‬
occurs, and not to leave the scene of the accident until the ‫ وﻳ ﺴ ﺘ ﺜ ﻨﻰ ﻣ ﻦ ذﻟﻚ اﻟﺤﺎﻻت اﻟ ﺘﻲ ﺗ ﺴ ﺘ ﻠﺰم ﻣﻐﺎ د رة ﻣﻮﻗﻊ اﻟﺤﺎ دث ﻣ ﺜﻞ‬، ‫إﻧ ﮫﺎءاﻹ ﺟﺮاءات‬
com pletion of the procedures, ex cept in cases where leaving the
.‫و ﺟﻮ د إ ﺻﺎﺑﺎت ﺟ ﺴﺪﻳﺔ‬
scene of the accident is necessary, such as bodily injuries.
‫ أو اﻟﺪﻓﻊ أو اﻟ ﺘﻌ ﮫﺪ ﺑﺪﻓﻊ أ ي ﻣ ﺒ ﻠﻎ‬، ‫ ﻋﺪم اﻹﻗﺮا ر ﺑﺎﻟﻤ ﺴ ﺌﻮﻟ ﯿﺔ ﺑﻘ ﺼﺪ اﻹ ﺿﺮا ر ﺑﺎﻟ ﺸﺮﻛﺔ‬.‫ب‬
b. Not to ack nowledge responsibility in order to cause dam age to
‫ﻷ ي طﺮ ف ﻓﻲ اﻟﺤﺎ دث إﻻ ﺑﻌﺪ اﻟﺤ ﺼﻮل ﻋ ﻠﻰ اﻟﻤﻮاﻓﻘﺔ اﻟﻜ ﺘﺎﺑ ﯿﺔ اﻟﻤ ﺴ ﺒﻘﺔ ﻣ ﻦ اﻟ ﺸﺮﻛﺔ‬
the Com pany, or to pay or prom ise to pay any am ount to any
‫ وﺗﺤﺮﻳﺮ اﻟﻮﻛﺎﻻت اﻟ ﺸﺮﻋ ﯿﺔ اﻟ ﺘﻲ ﺗﻤﻜ ﻨ ﮫﺎ ﻣ ﻦ اﺗﺨﺎ ذ إ ﺟﺮاءات‬، ‫ اﻟ ﺘﻌﺎو ن ﻣﻊ اﻟ ﺸﺮﻛﺔ‬.‫ج‬
party in the accident ex cept after obtaining prior written
.‫ أو اﻟ ﺴﺎﺋﻖ‬، ‫اﻟﻤﺮاﻓﻌﺔ واﻟﻤﺪاﻓﻌﺔ واﻟ ﺘ ﺴﻮﻳﺔ ﻧ ﯿﺎﺑﺔ ﻋ ﻦ اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ‬
approval from the Com pany. ‫ أ ن ﻳﻘﻮم ﻋ ﻠﻰ ﻧﻔﻘﺔ اﻟ ﺸﺮﻛﺔ ﺑﺠﻤ ﯿﻊ اﻷﻋﻤﺎل اﻟﻼ زﻣﺔ ﻟ ﻀﻤﺎ ن ﺣﻖ اﻟ ﺸﺮﻛﺔ ﻓﻲ‬.‫د‬
c. Cooperate with the Com pany, and to provide power of attorney
‫ﺗﺤ ﺼ ﯿﻞ أ ي ﻣ ﺒﺎﻟﻎ ﺗ ﺴ ﺘﺤﻘ ﮫﺎ ﻣ ﻦ أ ي طﺮ ف آ ﺧﺮ ﻧ ﺘ ﯿﺠﺔ ﺗﻌﻮﻳ ﺾ ﺗﻘﻮم ﺑﺪﻓﻌﺔ ﺑﻤﻘ ﺘ ﻀﻰ‬
to enable the Com pany to handle the legal proceedings and
.‫ھﺬه اﻟﻮﺛ ﯿﻘﺔ‬
settlem ents on behalf of the Insured or Driver.
d. Tak e all necessary actions at Com pany’s ex pense to ensure the
Com pany's right to collect any am ounts due to it from any other
party as a result of com pensation paid under this Policy.
5. Fraud:
:‫ اﻻ ﺣﺘﯿﺎ ل‬. 5
The rights resulting from this Policy shall be forfeited, if subm itted
claim involves any type of fraud, or if the Insured or Driver or their ‫ أو‬، ‫ﺗ ﺴﻘﻂ اﻟﺤﻘﻮ ق اﻟ ﻨﺎﺷ ﺌﺔ ﻋ ﻦ ھﺬه اﻟﻮﺛ ﯿﻘﺔ إ ذا اﻧﻄﻮت اﻟﻤﻄﺎﻟ ﺒﺔ اﻟﻤﻘﺪﻣﺔ ﻋ ﻠﻰ ا ﺣ ﺘ ﯿﺎل‬
representatives or the third parties have used any fraudulent ‫اﺳ ﺘﺨﺪم اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ أو اﻟ ﺴﺎﺋﻖ أو ﻣ ﻦ ﻳ ﻨﻮب ﻋ ﻨ ﮫﻤﺎ أو اﻟﻐ ﯿﺮ أﺳﺎﻟ ﯿﺐ أو وﺳﺎﺋﻞ ا ﺣ ﺘ ﯿﺎل ﺑﻐ ﯿﺔ‬
m ethods or m eans in order to obtain any benefit under this Policy, ‫ أو ﻧ ﺘﺠﺖ اﻟﻤ ﺴ ﺌﻮﻟ ﯿﺔ أو اﻟ ﻀﺮ ر ﻣ ﻦ ﺟﺮاء ﻓﻌﻞ ﻣ ﺘﻌﻤﺪ ﻣ ﻦ‬، ‫اﻟﺤ ﺼﻮل ﻋ ﻠﻰ ﻣ ﻨﻔﻌﺔ ﻣ ﻦ ھﺬه اﻟﻮﺛ ﯿﻘﺔ‬
or if liability or dam age is a result of deliberate act com m itted by ‫ وﻟ ﻠ ﺸﺮﻛﺔ اﻟﺮ ﺟﻮع ﻋ ﻠﻰ أ ي طﺮ ف ﺗ ﺘ ﺒ ﯿ ﻦ‬.‫اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ أو اﻟ ﺴﺎﺋﻖ أو اﻟﻐ ﯿﺮ أو اﻟ ﺘﻮاطﺆ ﻣﻊ أ ي ﻣ ﻨ ﮫﻢ‬
the Insured or Driver or a third party or in collusion with any of them . ‫ ﻋ ﻠﻰ أ ن ﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ ﺑ ﺘﻌﻮﻳ ﺾ‬،ً‫ﻣ ﺴﺆوﻟ ﯿ ﺘﻪ ﻋ ﻦ ھﺬا اﻻ ﺣ ﺘ ﯿﺎل ﺳﻮاء أﻛﺎ ن ﻣ ﺸﺎ رﻛﺎً أم ﻣ ﺘﻮاط ﺌﺎ‬
The Com pany has the right to recourse against any party, who is .‫اﻟﻐ ﯿﺮ إ ذا ﻛﺎ ن ﺣ ﺴ ﻦ اﻟ ﻨ ﯿﺔ‬
responsible of such fraud either by participation or collusion. The
Com pany is com m itted to com pensate the third party if that third
party acted in good faith.

6. Cancellation:
:‫ اﻹﻟﻐﺎء‬. 6
Neither the Com pany nor the Insured is entitled to cancel this Policy
after its issuance, ex cept in the following cases: : ‫ﻻ ﻳﺤﻖ ﻟ ﻠ ﺸﺮﻛﺔ وﻻ ﻟ ﻠﻤﺆﻣ ﻦ ﻟﻪ إﻟﻐﺎء ھﺬه اﻟﻮﺛ ﯿﻘﺔ ﺑﻌﺪ إ ﺻﺪا ر ھﺎ إﻻ ﻓﻲ أ ي ﻣ ﻦ اﻟﺤﺎﻻت اﻵﺗ ﯿﺔ‬

1. Cancellation of vehicle registration; .‫ إﺳﻘﺎط ﺳﺠﻞ اﻟﻤﺮﻛ ﺒﺔ‬.1

2. Transfer of ownership of the vehicle to another owner;
3. The ex istence of an alternative insurance policy covering the
rem aining period of the policy to be cancelled.
The Com pany shall return the proportional am ount to the Insured,
by depositing this in the bank account through International Bank
Account Num ber (IBAN) within three business days from the date of
the Com pany's k nowledge of any of the above cases. The am ount
due to be returned to the Insured is calculated by subtracting the
ex pired days from the total num ber of days of the insurance
coverage then dividing the result by the total num ber of days of
insurance coverage and m ultiplying the resultant against the
prem ium less the adm inistrative fees (m ax im um 25 Saudi Riyals).
The form ula for the rem aining prem ium to be as follows:
(365 days – ex pired days) / 365 X prem ium after deduction of
adm inistrative fees (m ax im um 25 Saudi Riyals) = rem aining
prem ium .
The Com pany is not obligated to pay the rem aining prem ium with
the ex istence of outstanding claim on the policy to be cancelled at
the sam e vehicle the am ount of which ex ceeds the am ount
supposed to be returned as per the above form ula.
.‫ اﻧ ﺘﻘﺎل ﻣ ﻠﻜ ﯿﺔ اﻟﻤﺮﻛ ﺒﺔ إﻟﻰ ﻣﺎﻟﻚ آ ﺧﺮ‬.2
.‫ و ﺟﻮ د وﺛ ﯿﻘﺔ ﺗﺄﻣ ﯿ ﻦ ﺑﺪﻳ ﻠﺔ ُﺗﻐﻄﻲ اﻟﻔ ﺘﺮة اﻟﻤ ﺘ ﺒﻘ ﯿﺔ ﻣ ﻦ اﻟﻮﺛ ﯿﻘﺔ اﻟﻤﺰﻣﻊ إﻟﻐﺎؤ ھﺎ‬.3
‫ﻋ ﻠﻰ أ ن ﺗﻘﻮم اﻟ ﺸﺮﻛﺔ ﺑﺈﻋﺎ دة اﻟﻤ ﺒ ﻠﻎ اﻟﻤ ﺴ ﺘﺤﻖ ﻋ ﻦ اﻟﻤﺪة اﻟﻤ ﻨﻘ ﻀ ﯿﺔ ﻣ ﻦ اﻟﻮﺛ ﯿﻘﺔ إﻟﻰ اﻟﻤﺆﻣ ﻦ‬
‫ﻟﻪ ﻣ ﻦ ﺧﻼل إﻳﺪاع اﻟﻤ ﺒ ﻠﻎ اﻟُﻤ ﺘ ﺒﻘﻲ ﻣ ﻦ اﻻﺷ ﺘﺮاك ﻓﻲ اﻟﺤ ﺴﺎب اﻟ ﺒ ﻨﻜﻲ اﻟﺨﺎ ص ﺑﻪ ﻋ ﻦ طﺮﻳﻖ‬
‫ و ذﻟﻚ ﺧﻼل ﺛﻼﺛﺔ أﻳﺎم ﻋﻤﻞ ﻣ ﻦ ﺗﺎ رﻳﺦ ﻋ ﻠﻢ اﻟ ﺸﺮﻛﺔ‬، ( IBAN) ‫رﻗﻢ اﻟﺤﺎﺳﺐ اﻟﻤ ﺼﺮﻓﻲ اﻟﺪوﻟﻲ‬
‫ وﻳﺤ ﺘ ﺴﺐ اﻟﻤ ﺒ ﻠﻎ اﻟﻤ ﺴ ﺘﺤﻖ إﻋﺎ دﺗﻪ‬، ‫ﺑﺤﺪوث أ ي ﻣ ﻦ اﻟﺤﺎﻻت اﻟﻤﺬﻛﻮ رة ﻓﻲ ﻣﻘﺪﻣﺔ اﻟﻔﻘﺮة‬
‫ﻟ ﻠﻤﺆﻣ ﻦ ﻟﻪ ﻋ ﻦ اﻟﻤﺪة ﻏ ﯿﺮ اﻟﻤ ﻨﻘ ﻀ ﯿﺔ ﻣ ﻦ ﻓ ﺘﺮة اﻟ ﺘﻐﻄ ﯿﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﻣ ﻦ ﺧﻼل طﺮح اﻷﻳﺎم‬
‫اﻟﻤ ﻨﻘ ﻀ ﯿﺔ ﻣ ﻦ أﻳﺎم اﻟ ﺘﻐﻄ ﯿﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﻛﺎﻣ ﻠﺔ ﺛﻢ ﻗ ﺴﻤﺔ اﻟ ﻨﺎﺗﺞ ﻋ ﻠﻰ ﻋﺪ د أﻳﺎم اﻟ ﺘﻐﻄ ﯿﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ‬
( ‫ رﻳﺎﻻ ً ﻛﺤﺪ أﻗ ﺼﻰ‬25 ‫ﻛﺎﻣ ﻠﺔ و ﺿﺮب اﻟ ﻨﺎﺗﺞ ﺑﺎﻻﺷ ﺘﺮاك ﻣﺨ ﺼﻮﻣﺎً ﻣ ﻨﻪ اﻟﺮﺳﻮم اﻹ دا رﻳﺔ )ﻣ ﺒ ﻠﻎ‬
: ‫وﻳﻜﻮ ن اﻟ ﻨﺎﺗﺞ ھﻮ اﻻﺷ ﺘﺮاك اﻟﻤ ﺘ ﺒﻘﻲ ﻟ ﺘﻜﻮ ن ﻛﺎﻵﺗﻲ‬
ً ‫ رﻳﺎﻻ‬25 ‫ × اﻻﺷ ﺘﺮاك ﺑﻌﺪ ﺧ ﺼﻢ اﻟﺮﺳﻮم اﻹ دا رﻳﺔ )ﻣ ﺒ ﻠﻎ‬365 / ( ‫اﻷﻳﺎم اﻟﻤ ﺴ ﺘ ﮫ ﻠﻜﺔ‬-365)
.‫ﻛﺤﺪ أﻗ ﺼﻰ ( = اﻻﺷ ﺘﺮاك اﻟﻤ ﺘ ﺒﻘﻲ‬
‫وﻳ ﺴ ﺘ ﺜ ﻨﻰ ﻣ ﻦ إﻟﺰام اﻟ ﺸﺮﻛﺔ ﺑﺪﻓﻊ اﻻﺷ ﺘﺮاك اﻟﻤ ﺘ ﺒﻘﻲ ﻓﻲ ﺣﺎل و ﺟﻮ د ﻣﻄﺎﻟ ﺒﺔ ﻣ ﺘﻌ ﻠﻘﺔ ﺑﺎﻟﻮﺛ ﯿﻘﺔ‬
‫اﻟُﻤﺰﻣﻊ إﻟﻐﺎؤ ھﺎ وﻋ ﻠﻰ ذات اﻟﻤﺮﻛ ﺒﺔ ﺗﺰﻳﺪ ﻗ ﯿﻤ ﺘ ﮫﺎ ﻋ ﻦ ﻗ ﯿﻤﺔ اﻟﻤ ﺒ ﻠﻎ اﻟﻤﻔ ﺘﺮ ض إﻋﺎ دﺗﻪ وﻓﻖ طﺮﻳﻘﺔ‬
.‫اﻟﺤﺎﺳﺐ أﻋﻼه‬
‫وﺑﺎﻟﺮﻏﻢ ﻣﻤﺎ ﺗﻘﺪم ﺗﻈﻞ اﻟ ﺸﺮﻛﺔ واﻟﻤﺆﻣ ﻦ ﻟﻪ واﻟ ﺴﺎﺋﻖ ﻣ ﻠ ﺘﺰﻣ ﯿ ﻦ ﺑﺄ ﺣﻜﺎم ھﺬه اﻟﻮﺛ ﯿﻘﺔ ﺑ ﺸﺄ ن‬
.‫اﻻﻟ ﺘﺰاﻣﺎت اﻟ ﻨﺎﺷ ﺌﺔ ﻗ ﺒﻞ إﻟﻐﺎﺋ ﮫﺎ‬

Notwithstanding the above, the Com pany, the Insured and the
Driver shall rem ain com m itted with the provisions of this policy
regarding the obligation arising prior to its cancellation.

7. Issuance of policy and notice of renewal:

The Com pany has no right to issue this policy unless it is
electronically link with the application of Najm Com pany for
Insurance Services. The Com pany shall be autom atically connected
to the Com pany's system approved by SAMA to provide the service
of collection, storage and ex change of insurance inform ation. The
Com pany m ust notify the Insured twenty work ing days prior to the
ex piry date of the policy to enable the Insured to renew or obtain a
:‫ إﺻﺪا ر اﻟ ﻮﺛﯿﻘ ﺔ واﻹﺷﻌﺎ ر ﺑﺎﻟﺘ ﺠﺪﻳﺪ‬.7
‫ﻻ ﻳﺤﻖ ﻟ ﻠ ﺸﺮﻛﺔ إ ﺻﺪا ر ھﺬه اﻟﻮﺛ ﯿﻘﺔ ﻣﺎ ﻟﻢ ﺗﻜ ﻦ ﻣﺮﺗ ﺒﻄﺔ آﻟ ﯿﺎً ﺑ ﻨﻈﺎم اﻟ ﺸﺮﻛﺔ اﻟﺤﺎ ﺻ ﻠﺔ ﻋ ﻠﻰ‬
‫ وﻳﺠﺐ‬، ‫ﻣﻮاﻓﻘﺔ اﻟ ﺒ ﻨﻚ اﻟﻤﺮﻛﺰ ي اﻟ ﺴﻌﻮ د ي ﺑ ﺘﻘﺪﻳﻢ ﺧﺪﻣﺔ ﺟﻤﻊ و ﺣﻔﻆ وﺗ ﺒﺎ دل اﻟﻤﻌ ﻠﻮﻣﺎت اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ‬
‫ﻋ ﻠﻰ اﻟ ﺸﺮﻛﺔ إﺷﻌﺎ ر اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ ﻗ ﺒﻞ ﻣﻮﻋﺪ ﺗﺎ رﻳﺦ اﻧ ﺘ ﮫﺎء اﻟﻮﺛ ﯿﻘﺔ ﺑﻌ ﺸﺮﻳ ﻦ ﻳﻮم ﻋﻤﻞ ﻟ ﯿ ﺘﻤﻜ ﻦ ﻣ ﻦ‬
.‫ﺗﺠﺪﻳﺪ ھﺎ أو اﻟﺤ ﺼﻮل ﻋ ﻠﻰ وﺛ ﯿﻘﺔ ﻣ ﻦ ﺷﺮﻛﺔ أ ﺧﺮ ى‬
policy from another Com pany.

8. Jurisdiction and applicable laws:

a. Any dispute arising out of this Policy shall be subject and :‫ اﻻ ﺧﺘﺼﺎص اﻟﻘﻀﺎﺋﻲ واﻟﻨ ﻈﺎم اﻟ ﻮا ﺟﺐ اﻟﺘ ﻄﺒﯿ ﻖ‬. 8
governed by the applicable laws and regulations of the Kingdom
‫ ﻳﺨ ﻀﻊ أ ي ﻧﺰاع ﻳ ﻨ ﺸﺄ ﻋ ﻦ ھﺬه اﻟﻮﺛ ﯿﻘﺔ ﻟﻸﻧﻈﻤﺔ واﻟ ﻠﻮاﺋﺢ اﻟﻤﻌﻤﻮل ﺑ ﮫﺎ ﻓﻲ اﻟﻤﻤ ﻠﻜﺔ‬.‫أ‬
of Saudi Arabia. The Com m ittees for the Resolution of Insurance
‫ وﺗﺨ ﺘ ﺺ ﺑﺎﻟﻔ ﺼﻞ ﻓ ﯿﻪ ﻟﺠﺎ ن اﻟﻔ ﺼﻞ ﻓﻲ اﻟﻤ ﻨﺎ زﻋﺎت واﻟﻤﺨﺎﻟﻔﺎت اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ‬، ‫اﻟﻌﺮﺑ ﯿﺔ اﻟ ﺴﻌﻮ دﻳﺔ‬
Disputes and Violations shall be determ ined in Article 20 of the ‫ ( ﻣ ﻦ ﻧﻈﺎم ﻣﺮاﻗ ﺒﺔ ﺷﺮﻛﺎت اﻟ ﺘﺄﻣ ﯿ ﻦ اﻟ ﺘﻌﺎوﻧﻲ اﻟ ﺼﺎ د ر‬20 ) ‫واﻟﻤ ﻨ ﺼﻮ ص ﻋ ﻠ ﯿ ﮫﺎ ﻓﻲ اﻟﻤﺎ دة رﻗﻢ‬
Cooperative Insurance Com panies Control Law issued by Royal . ‫ھ ـ‬1424/06/02 ‫ ( وﺗﺎ رﻳﺦ‬32/‫ﺑﺎﻟﻤﺮﺳﻮم اﻟﻤ ﻠﻜﻲ رﻗﻢ )م‬
Decree No. M / 32 dated 02/06/1424H.
‫ ﻻ ُﺗ ﺴﻤﻊ أ ي دﻋﻮ ى ﻧﺎﺷ ﺌﺔ ﻋ ﻦ ھﺬه اﻟﻮﺛ ﯿﻘﺔ ﺑﻌﺪ اﻧﻘ ﻀﺎء ﺧﻤﺲ ﺳ ﻨﻮات ﻋ ﻠﻰ ﺣﺪوث‬.‫ب‬
b. Any case arising out of this Policy shall not be heard after the
‫اﻟﻮاﻗﻌﺔ اﻟ ﺘﻲ ﻧ ﺸﺄت ﻋ ﻨ ﮫﺎ اﻟﺪﻋﻮ ى وﻋ ﻠﻢ ذو ي اﻟﻤ ﺼ ﻠﺤﺔ ﺑﺤﺪوﺛ ﮫﺎ ﻣﺎ ﻟﻢ ﻳﻜ ﻦ ھ ﻨﺎك ﻋﺬ ر‬
ex piration of five years from the occurrence of the incident giving
.‫ﺗﻘ ﺘ ﻨﻊ ﺑﻪ ﻟﺠﺎ ن اﻟﻔ ﺼﻞ ﻓﻲ اﻟﻤ ﻨﺎ زﻋﺎت واﻟﻤﺨﺎﻟﻔﺎت اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ‬
rise to the proceedings and with the k nowledge of the parties
concerned, unless there is a valid ex cuse accepted by the
Com m ittees for the Resolution of Disputes and Insurance
Violations.
9. A rabic to Prevail:
:‫ﺳﯿﺎده اﻟﻨﺺ اﻟﻌﺮﺑﻲ‬.9
In the event of any difference in m eaning between the Arabic and
English tex ts in this Policy, the Arabic tex t shall prevail. ‫ﻓﻲ ﺣﺎﻟﺔ وﻗﻮع ﺧﻼ ف ﻓﻲ اﻟﻤﻌ ﻨﻰ ﺑ ﯿ ﻦ اﻟ ﻨ ﺺ اﻟﻌﺮﺑﻲ واﻟ ﻨ ﺺ اﻹﻧﺠ ﻠ ﯿﺰ ي ﻟ ﮫﺬه اﻟﻮﺛ ﯿﻘﺔ ﻓﺈ ن‬
.‫اﻟ ﻨ ﺺ اﻟﻌﺮﺑﻲ ھﻮ اﻟﺬ ي ﻳﻌ ﺘﺪ ﺑﻪ‬

A rticle 8: Cases where the Company is obligated to compensate ‫ اﻟ ﺤﺎﻻــت اﻟـﺘﻲ ﺗﻠـﺘﺰم اﻟﺸــﺮ ﻛ ﺔ ﺑﺘﻌـ ﻮﻳﺾ اﻟﻐﯿﺮ ﻋﻨﮫـﺎ ﻣـﻊ ا ﺣﺘﻔﺎظﮫـﺎ ﺑ ﺤ ﻖ‬:‫اﻟ ﻤـﺎدة اﻟﺜﺎﻣﻨ ﺔ‬
Third parties without prejudice to the right of the Company to ‫اﻟﺮ ﺟ ﻮع اﻟ ﻤ ﺆﱠﻣﻦ ﻟ ﻪ أو اﻟﺴﺎﺋ ﻖ أو اﻟ ﻤﺘﺴﺒﺐ ﻓﻲ اﻟ ﺤﺎدث‬
recourse against the Insured or Driver or whomever responsible for
the accident.

First: The Company reserves the right of recourse against the
Insured or Driver or whomever responsible for the accident to
recover amounts paid to third parties in any of the following cases:
1. A ny liability or expenses arising whilst the insured vehicle is:
a. Used in contravention of restrictions of use stated in the
Schedule.
b. Carried a number of passengers exceeding the authorized
capacity of the vehicle, which was proven to be the cause of
the accident.
c. Being driven in the opposite direction of traffic line.
d. Driven by a person under the influence of drugs, alcohol or
medical drugs that are not medically allowed to drive after
intake.
e. Driven by any person under 18 years of age, unless insured,
or his or her name is among the names of authorized Drivers
less than 18 years of age stated in the policy schedule.
f. Driven by any person who does not hold a driving license for
such type of vehicle in accordance with the relevant laws and
regulations, or if the driving license is temporarily or
permanently suspended unless the license expired within 50
working days from the date of the accident.
g. Escape of the Driver of the vehicle from the scene of the
accident without an acceptable reason.
h. Crossing the traffic red light.
2. Making false representation or concealed material facts in
the insurance proposal form that affects the Company’s
acceptance of the risk, or the premium or the insurance
terms and conditions.
3. If the accident is proven deliberately or intentionally
committed.
4. If the Insured does not inform the Company in writing within
twenty working days of any material change declared in the
insurance proposal form, subject to paragraph (1) of A rticle
7.
Second: If the vehicle is stolen or taken by force, the Company has
the right of recourse against the person causing the accident, or
the Insured in case he or she did not notify the concerned
authorities of the theft, to recover the amount paid to Third party.
Third: The Company shall notify the Insured within twenty working
days from the date of submitting the claim to which one of the
cases of recourse applies. The Company shall also exercise the right
of recourse within a maximum period of one year from the date of
settlement of the claim.
‫ ﻟﻠﺸﺮ ﻛ ﺔ ﺣ ﻖ اﻟﺮ ﺟ ﻮع ﻋﻠﻰ اﻟ ﻤ ﺆﱠﻣﻦ ﻟ ﻪ أو اﻟﺴﺎﺋ ﻖ ﻻﺳﺘﺮداد ﻣﺎ دﻓﻌﺘ ﻪ ﻟﻠﻐﯿﺮ ﻋﻦ أ ي‬:ً ‫أوﻻ‬
:‫ﻣﻦ اﻟ ﺤﺎﻻت اﻵﺗﯿ ﺔ‬
:‫ أ ي ﻣﺴ ﺆوﻟﯿ ﺔ أو ﻣﺼﺎ رﻳ ﻒ ﺗﻨﺸﺄ أو ﺗﺘﺮﺗﺐ ﻋﻨﺪﻣﺎ ﺗﻜ ﻮن اﻟ ﻤﺮ ﻛﺒ ﺔ‬. 1
.‫ ﻣﺴﺘﻌ ﻤﻠ ﺔ ﻋﻠﻰ و ﺟ ﻪ ﻳ ﺨﺎﻟ ﻒ ﻗﯿﺪ اﻻﺳﺘﻌ ﻤﺎ ل اﻟ ﻤﺒﯿﻦ ﻓﻲ ﺟﺪو ل اﻟ ﻮﺛﯿﻘ ﺔ‬.‫أ‬
‫ وﺛﺒﺖ أن ﺣﺼ ﻮ ل‬، ‫ ﺗ ﺤ ﻤﻞ ﻋﺪداً ﻣﻦ اﻟﺮ ﻛﺎب ﻳﺘ ﺠﺎو ز اﻟﺴﻌ ﺔ اﻟ ﻤﺼﺮح ﺑﮫﺎ ﻟﻠ ﻤﺮ ﻛﺒ ﺔ‬.‫ب‬
.‫اﻟ ﺤﺎدث ﻛﺎن ﺑﺴﺒﺐ ھﺬا اﻟﺘ ﺠﺎو ز‬
.‫ اﻟﺴﯿﺮ ﺑﺎﻟ ﻤﺮ ﻛﺒ ﺔ ﻋﻜ ﺲ اﺗ ﺠﺎه اﻟﺴﯿﺮ‬.‫ج‬
‫ اﻟ ﻘﯿﺎدة ﺗ ﺤﺖ ﺗﺄﺛﯿﺮ اﻟ ﻤ ﺨﺪ رات أو اﻟ ﻤﺸﺮوﺑﺎت اﻟﻜ ﺤ ﻮﻟﯿ ﺔ أو اﻟﻌﻘﺎﻗﯿﺮ اﻟ ﻄﺒﯿ ﺔ اﻟﺘﻲ ﻻ‬.‫د‬
.‫ﻳﺴ ﻤﺢ طﺒﯿﺎً ﺑﺎﻟﻘﯿﺎدة ﺑﻌﺪ ﺗﻨﺎوﻟﮫﺎ‬
‫( ﻋﺎﻣﺎً ھ ﺠﺮﻳﺎً ﻣﺎ ﻟﻢ ﻳﻜﻦ ھ ﻮ اﻟ ﻤ ﺆﱠﻣﻦ ﻟ ﻪ‬18) ‫ ﻗﯿﺎدة أ ي ﺷ ﺨﺺ ﻳﻘﻞ ﻋ ﻤﺮه ﻋﻦ‬.‫ه‬
18 ‫وﻣﺎ ﻟﻢ ﻳﺮد اﺳ ﻤ ﻪ ﺿ ﻤﻦ أﺳ ﻤﺎء اﻟﺴﺎﺋﻘﯿﻦ اﻟ ُﻤﺴ ﻤﯿﻦ اﻟﺬﻳﻦ ﺗﻘﻞ أﻋ ﻤﺎ رھﻢ ﻋﻦ‬
.‫ﺳﻨ ﺔ ﻓﻲ ﺟﺪو ل اﻟ ﻮﺛﯿﻘ ﺔ‬
‫ إذا ﺛﺒﺖ أن ﻗﯿﺎدة اﻟ ﻤﺮ ﻛﺒ ﺔ ﺗ ﻤﺖ دون اﻟ ﺤﺼ ﻮ ل ﻋﻠﻰ ر ﺧﺼ ﺔ ﻗﯿﺎدة ﻟﻨ ﻮع اﻟ ﻤﺮ ﻛﺒ ﺔ‬.‫و‬
‫ أو أن ﺗﻜ ﻮن اﻟﺮ ﺧﺼ ﺔ ﻗﺪ ﺻﺪ ر أﻣﺮ ﺑﺴ ﺤﺒﮫﺎ ﻣﻦ‬، ‫طﺒ ﻘﺎً ﻟﻸﻧ ﻈ ﻤ ﺔ واﻟﻠ ﻮاﺋﺢ ذات اﻟﻌﻼﻗ ﺔ‬
‫ أو ﻛﺎﻧﺖ ﻣﻨﺘﮫﯿ ﺔ وﻗﺖ اﻟ ﺤﺎدث ﻣﺎﻟﻢ ﻳ ﺠﺪد اﻟﺮ ﺧﺼ ﺔ اﻟ ﻤﻨﺘﮫﯿ ﺔ ﺧﻼ ل‬، ‫اﻟ ﺠﮫﺎت اﻟ ﻤ ﺨﺘﺼ ﺔ‬
.‫ ﻳ ﻮم ﻋ ﻤﻞ ﻣﻦ ﺗﺎ رﻳﺦ اﻟ ﺤﺎدث‬50
.‫ ھﺮوب اﻟﺴﺎﺋ ﻖ ﻣﻦ ﻣ ﻮﻗﻊ اﻟ ﺤﺎدث دون ﻋﺬ ر ﻣﻘﺒ ﻮ ل‬.‫ز‬
.‫ ﺗ ﺠﺎو ز اﻹﺷﺎ رات اﻟ ﺤ ﻤﺮاء‬.‫ح‬
.‫ اﻹدﻻء ﺑﺒﯿﺎﻧﺎت ﻏﯿﺮ ﺻ ﺤﯿ ﺤ ﺔ أو إ ﺧﻔﺎء ﺣﻘﯿﻘ ﺔ ﺟ ﻮھﺮﻳ ﺔ ﻓﻲ ﻧ ﻤ ﻮذج طﻠﺐ اﻟﺘﺄﻣﯿﻦ‬.2
.ً‫ إذا ﺛﺒﺖ وﻗ ﻮع اﻟ ﺤﺎدث ﻋ ﻤﺪا‬.3
‫ ﻋﺪم إﺑﻼغ اﻟ ﻤ ﺆﱠﻣﻦ ﻟ ﻪ ﻟﻠﺸﺮ ﻛ ﺔ ﺧﻼ ل ﻋﺸﺮﻳﻦ ﻳ ﻮم ﻋ ﻤﻞ ﻋﻦ أ ي ﺗﻐﯿﯿﺮ ﺟ ﻮھﺮ ي‬.4
.‫( ﻣﻦ اﻟ ﻤﺎدة اﻟﺴﺎﺑﻌ ﺔ‬1) ‫ ﻣﻊ ُﻣﺮاﻋﺎة اﻟﻔﻘﺮة رﻗﻢ‬، ‫ﺻﺮح ﺑ ﻪ ﻓﻲ ﻧ ﻤ ﻮذج طﻠﺐ اﻟﺘﺄﻣﯿﻦ‬
‫ إذا ﻛـﺎﻧﺖ اﻟ ﻤﺮ ﻛﺒـ ﺔ ﻣﺴــﺮوﻗ ﺔ أو ﻣـﺄ ﺧ ﻮذة ﻏﺼــﺒﺎً ﻓـﺈن ﻟﻠﺸـﺮ ﻛ ﺔ ﺣـ ﻖ اﻟﺮ ﺟـ ﻮع ﻋﻠﻰ‬:ً‫ﺛﺎﻧﯿـﺎ‬
، ‫ أو اﻟ ﻤ ﺆﱠﻣﻦ ﻟ ﻪ ﻓﻲ ﺣﺎ ل ﻟﻢ ﻳ ﺨ ﻄﺮ اﻟ ﺠﮫﺎت اﻟ ﻤ ﺨﺘﺼـ ﺔ ﻋﻦ اﻟﺴـﺮﻗ ﺔ‬، ‫اﻟ ﻤﺘﺴـﺒﺐ ﻓﻲ اﻟ ﺤـﺎدث‬
.‫ﻻﺳﺘﺮداد ﻣﺎ دﻓﻌﺘ ﻪ ﻟﻠﻐﯿﺮ‬
‫ ﻋﻠﻰ اﻟﺸﺮ ﻛ ﺔ إ ﺧ ﻄﺎ ر اﻟ ﻤ ﺆﻣﻦ ﻟ ﻪ ﺧﻼ ل ﻋﺸﺮﻳﻦ ﻳ ﻮم ﻋ ﻤﻞ ﻣﻦ ﺗﺎ رﻳﺦ ﺗﻘﺪﻳﻢ اﻟ ﻤ ﻄﺎﻟﺒ ﺔ‬:ً‫ﺛﺎﻟﺚا‬
‫ ﻛ ﻤﺎ ﻋﻠﻰ اﻟﺸﺮ ﻛ ﺔ ﻣ ﻤﺎ رﺳ ﺔ ﺣ ﻖ اﻟﺮ ﺟ ﻮع ﺧﻼ ل‬. ‫اﻟﺘﻲ ﺗﻨ ﻄﺒ ﻖ ﻋﻠﯿﮫﺎ إ ﺣﺪ ى ﺣﺎﻻت اﻟﺮ ﺟ ﻮع‬
‫ﻣﺪة أﻗﺼﺎھﺎ ﺳﻨ ﺔ ﻣﻦ ﺗﺎ رﻳﺦ ﺗﺴ ﻮﻳ ﺔ اﻟ ﻤ ﻄﺎﻟﺒ ﺔ‬

A rticle 9: Exceptions (Cases not covered by insurance under this (‫ اﻻﺳﺘﺜﻨﺎءات )اﻟ ﺤﺎﻻت ﻏﯿﺮ اﻟ ﻤﻐ ﻄﺎة ﺗﺄﻣﯿﻨﯿﺎً ﺑ ﻤ ﻮ ﺟﺐ ھﺬه اﻟ ﻮﺛﯿﻘ ﺔ‬:‫اﻟ ﻤﺎدة اﻟﺘﺎﺳﻌ ﺔ‬
policy)

The Company shall not be liable for payment of compensation in :‫ﻟﻦ ﺗﻜ ﻮن اﻟﺸﺮ ﻛ ﺔ ﻣﺴﺌ ﻮﻟ ﺔ ﻋﻦ ﺳﺪاد اﻟﺘﻌ ﻮﻳﻀﺎت ﻓﻲ أ ي ﻣﻦ اﻟ ﺤﺎﻻت اﻵﺗﯿ ﺔ‬
any of the following cases:

1. Loss or damage to the insured vehicle, or to the property
belonging to any insured person or Driver inside or outside
the vehicle, or to goods carried by the vehicle or those under
the custody or control or trust of the Insured or Driver.
2. Death or Bodily Injury to the Insured or Driver.
3. If the vehicle is used in any type of racing or pace making or
reliability trials.
4. If the vehicle is used in areas where the general public are
not allowed to drive such as airports or seaports, unless the
vehicle is used for commercial purposes within the permitted
range.
‫ أو ﻟﻠ ﻤ ﻤﺘﻠﻜﺎت اﻟﻌﺎﺋﺪة إﻟﻰ أ ي ﻣﻦ‬، ‫ اﻟ ﺨﺴﺎ رة أو اﻟﻀﺮ ر ﻟﻠ ﻤﺮ ﻛﺒ ﺔ اﻟ ﻤ ﺆﱠﻣﻦ ﻋﻠﯿﮫﺎ‬.1
‫ أو اﻟﺘﻲ ﺗﻠ ﺤ ﻖ ﺑﺎﻟﺒﻀﺎﺋﻊ اﻟ ﻤﻨﻘ ﻮﻟ ﺔ‬، ‫اﻟ ﻤ ﺆﱠﻣﻦ ﻟ ﻪ أو اﻟﺴﺎﺋ ﻖ دا ﺧﻞ اﻟ ﻤﺮ ﻛﺒ ﺔ أو ﺧﺎ ر ﺟﮫﺎ‬
.‫ﺑ ﻮاﺳ ﻄ ﺔ اﻟ ﻤﺮ ﻛﺒ ﺔ أو ﺗﻠﻚ اﻟﺘﻲ ﻓﻲ ﻋﮫﺪﺗ ﻪ أو ﺗ ﺤﺖ إﺷﺮاﻓ ﻪ أو أﻣﺎﻧ ﻪ ﻟﺪﻳ ﻪ‬
.‫ أو اﻟﺴﺎﺋ ﻖ‬، ‫ اﻟ ﻮﻓﺎة أو اﻹﺻﺎﺑ ﺔ اﻟ ﺠﺴﺪﻳ ﺔ ﻟﻠ ﻤ ﺆﻣﻦ ﻟ ﻪ‬.2
‫ إذا ﻛﺎﻧﺖ اﻟ ﻤﺮ ﻛﺒ ﺔ ﻣﺴﺘﻌ ﻤﻠ ﺔ ﻓﻲ أ ي ﻧ ﻮع ﻣﻦ أﻧ ﻮاع اﻟﺴﺒﺎﻗﺎت أو ﻓﻲ ﺗ ﺤﺪﻳﺪ ﺳﺮﻋ ﺔ‬.3
.‫اﻻﻧ ﻄﻼق أو ﻓﻲ ﺗ ﺠﺮﺑ ﺔ ا ﺧﺘﺒﺎ ر اﻟﻘﺪ رة‬
‫ إذا ﻛﺎﻧﺖ اﻟ ﻤﺮ ﻛﺒ ﺔ ﻣﺴﺘﻌ ﻤﻠ ﻪ ﺿ ﻤﻦ اﻟ ﻤﻨﺎط ﻖ اﻟﺘﻲ ﻻ ﻳﺴ ﻤﺢ ﻋﺎدة ﻟﻠﻌﺎﻣ ﺔ ﺑﺎﻟﻘﯿﺎدة‬.4
‫ﻓﯿﮫﺎ دا ﺧﻞ اﻟ ﻤ ﻄﺎ رات أو اﻟ ﻤ ﻮاﻧﺊ اﻟﺒ ﺤﺮﻳ ﺔ ﻣﺎ ﻟﻢ ﺗﻜﻦ اﻟ ﻤﺮ ﻛﺒ ﺔ ﻣﺴﺘ ﺨﺪﻣ ﺔ ﻷﻏﺮاض‬
.‫ﺗ ﺠﺎ رﻳ ﺔ ﻓﻲ اﻟﻨ ﻄﺎق اﻟ ﻤﺴ ﻤ ﻮح ﺑ ﻪ‬
 5. If the Insured or Driver declares to bear responsibility for
the accident without any right in order to cause damage to
the Company.
6. Collusion of the Insured or Driver with Third parties on an
accident that is proven and confirmed in the accident report
issued by the authorized body to handle the accident at the
site of the accident.
7. Car drifting.
8. If the vehicle is used or operated as a tool of trade.
9. Fines, financial penalties, warranties or guarantees that may
be imposed to the Insured or Driver due to the accident.
10. A ny liability or expenses arising directly or indirectly from
the following:
a. War, invasion, foreign enemy acts, hostilities or warlike
operations (whether war be declared or not), civil war.
b. Rebellion, military or civil insurrection, insurgence, revolution,
military or usurped power, martial laws or state of siege, or
any incident or cause that leads to declaration or continuation
of martial laws, state of siege, acts of vandalism and terrorist
acts committed by a person(s) acting on their own behalf or
on behalf of or in connection with any terrorist organization.
For the purpose of this exclusion, terrorism shall mean the use
of violence for political, intellectual, philosophical, racist,
ethnic, social or religious purposes. A nd using violence
includes terrifying all or part of the public, or influencing,
and/or resulting in strike, and/or interfering in any operation
and/or government related activity or policy, or resulting in a
strike that negatively affects the national economy or any of
its sectors.
c. Strikes, riots or civil or labor disturbances.
d. Resulting from or arising from or in which nuclear weapons,
ionizing radiation or radiation contamination have contributed
to any fuel or nuclear waste resulting from the combustion of
nuclear fuel. For the purposes of this exception, combustion
involves any nuclear fission process.
e. A ny natural disaster such as hurricanes, earthquakes, floods
and volcanoes.
N.B. This Policy should be read carefully and if there is any doubt as
to the cover or meaning of its contents, please consult the
Company.
A llied Cooperative Insurance Group
‫ إﻗﺮا ر اﻟ ﻤ ﺆﻣﻦ ﻟ ﻪ أو اﻟﺴﺎﺋ ﻖ ﺑﺘ ﺤ ﻤﻞ ﻣﺴﺌ ﻮﻟﯿ ﺔ اﻟ ﺤﺎدث دون و ﺟ ﻪ ﺣ ﻖ ﺑﻘﺼﺪ‬.5
.‫اﻹﺿﺮا ر ﺑﺎﻟﺸﺮ ﻛ ﺔ‬
‫ ﺗ ﻮاط ﺆ اﻟ ﻤ ﺆﻣﻦ ﻟ ﻪ ﻣﻊ اﻟﻐﯿﺮ ﻋﻠﻰ ﺣﺎدث ﻣﻔﺘﻌﻞ واﻟ ﻤﺜﺒﺖ ﻓﻲ ﺗﻘﺮﻳﺮ اﻟ ﺤﺎدث اﻟﺼﺎد ر‬.6
.‫ﻋﻦ اﻟ ﺠﮫ ﺔ اﻟ ﻤ ﺨ ﻮﻟ ﺔ ﺑ ﻤﺒﺎﺷﺮة ﻣ ﻮﻗﻊ اﻟ ﺤﺎدث‬
.‫ اﻟﺘ ﻔ ﺤﯿ ﻂ‬.7
.‫ إذا ﻛﺎﻧﺖ اﻟ ﻤﺮ ﻛﺒ ﺔ ﻣﺴﺘﻌ ﻤﻠ ﺔ أو ﻣﺸﻐﻠ ﺔ ﻛﺂﻟﯿﺎت ﻋ ﻤﻞ‬.8
‫ أو اﻟﻜﻔﺎﻻت اﻟﺘﻲ ﻗﺪ ﺗﻔﺮض ﺑﺴﺒﺐ اﻟ ﺤﺎدث ﻋﻠﻰ‬، ‫ اﻟﻐﺮاﻣﺎت أو اﻟﻌﻘ ﻮﺑﺎت اﻟ ﻤﺎﻟﯿ ﺔ‬.9
.‫اﻟ ﻤ ﺆﻣﻦ ﻟ ﻪ أو اﻟﺴﺎﺋ ﻖ‬
:‫ أ ي ﻣﺴ ﺆوﻟﯿ ﺔ أو ﻣﺼﺎ رﻳ ﻒ ﺗﻨﺸﺄ ﻧﺘﯿ ﺠ ﺔ ﻣﺒﺎﺷﺮة أو ﻏﯿﺮ ﻣﺒﺎﺷﺮة ﻣﻦ اﻵﺗﻲ‬.10
‫)أ( اﻟ ﺤﺮب أو اﻟﻐﺰو أو أﻋ ﻤﺎ ل اﻟﻌﺪوان اﻷ ﺟﻨﺒﻲ أو اﻷﻋ ﻤﺎ ل اﻟﻌﺪواﻧﯿ ﺔ أو اﻷﻋ ﻤﺎ ل ﺷﺒ ﻪ‬
.‫اﻟ ﺤﺮﺑﯿ ﺔ )ﺳ ﻮاء أﻋﻠﻨﺖ اﻟ ﺤﺮب أم ﻟﻢ ﺗﻌﻠﻦ( أو اﻟ ﺤﺮب اﻷھﻠﯿ ﺔ‬
‫)ب(اﻟﺘ ﻤﺮد أو اﻻﻧﺘﻔﺎﺿ ﺔ اﻟﻌﺴﻜﺮﻳ ﺔ أو اﻟﺸﻌﺒﯿ ﺔ أو اﻟﻌﺼﯿﺎن أو اﻟﺜ ﻮ رة أو اﻟﺴﻠ ﻄ ﺔ‬
‫اﻟﻐﺎﺻﺒ ﺔ أو اﻷ ﺣﻜﺎم اﻟﻌﺮﻓﯿ ﺔ أو ﺣﺎﻟ ﺔ اﻟ ﺤﺼﺎ ر أو أ ي ﻣﻦ اﻷ ﺣﺪاث أو اﻷﺳﺒﺎب اﻟﺘﻲ‬
‫ﺗ ﺆد ي إﻟﻰ إﻋﻼن أو اﺳﺘ ﻤﺮا ر اﻷ ﺣﻜﺎم اﻟﻌﺮﻓﯿ ﺔ أو ﺣﺎﻟ ﺔ اﻟ ﺤﺼﺎ ر أو أﻋ ﻤﺎ ل اﻟﺘ ﺨﺮﻳﺐ‬
‫واﻹ رھﺎب اﻟﺘﻲ ﻳﺮﺗﻜﺒﮫﺎ ﺷ ﺨﺺ أو أﺷ ﺨﺎص ﻳﻌ ﻤﻠ ﻮن ﺑﺼﻔ ﺔ ﻣﻨﻔﺮدة أو ﻧﯿﺎﺑ ﺔ ﻋﻦ أو‬
‫ وﻳﻘﺼﺪ ﺑﺎﻹ رھﺎب اﺳﺘ ﺨﺪام اﻟﻌﻨ ﻒ ﻷﻏﺮاض‬.‫ﻋﻠﻰ ﺻﻠ ﺔ ﺑﺄ ي ﻣﻨ ﻈ ﻤ ﺔ إ رھﺎﺑﯿ ﺔ‬
‫ وﻳﺸ ﻤﻞ‬.‫ﺳﯿﺎﺳﯿ ﺔ أو ﻓﻜﺮﻳ ﺔ أو ﻓﻠﺴﻔﯿ ﺔ أو ﻋﻨﺼﺮﻳ ﺔ أو ﻋﺮﻗﯿ ﺔ أو ا ﺟﺘ ﻤﺎﻋﯿ ﺔ أو دﻳﻨﯿ ﺔ‬
، ‫ أو اﻟﺘﺄﺛﯿﺮ ﻋﻠﻰ‬، ‫أو ﺷﺮﻳ ﺤ ﺔ ﻣﻨﮫﻢ ﻓﻲ ﺣﺎﻟ ﺔ ﺧ ﻮف‬/‫اﺳﺘ ﺨﺪام اﻟﻌﻨ ﻒ وﺿﻊ اﻟﻌﺎﻣ ﺔ و‬
‫أو أﻧﺸ ﻄ ﺔ أو ﺳﯿﺎﺳﺎت ﺧﺎﺻ ﺔ‬/‫أو ﻓﻲ أ ي ﻋ ﻤﻠﯿﺎت و‬/‫ و‬، ‫أو اﻟﺘﺴﺒﺐ ﻓﻲ اﺿ ﻄﺮاب‬/‫و‬
‫ﺑﺎﻟ ﺤﻜ ﻮﻣ ﺔ أو اﻟﺘﺴﺒﺐ ﻓﻲ اﺿ ﻄﺮاب ﻳ ﺆﺛﺮ ﺳﻠﺒﺎً ﻋﻠﻰ اﻻﻗﺘﺼﺎد اﻟ ﻮطﻨﻲ أو أ ي ﻣﻦ‬
.‫ﻗ ﻄﺎﻋﺎﺗ ﻪ‬
.‫)ج( اﻹﺿﺮاب أو اﻟﺸﻐﺐ أو اﻻﺿ ﻄﺮاﺑﺎت اﻟ ﻤﺪﻧﯿ ﺔ أو اﻟﻌ ﻤﺎﻟﯿ ﺔ‬
‫)د( ﻣﺎ ﻳﻨﺘﺞ ﺑﺴﺒﺐ أو ﻳﻨﺸﺄ ﻋﻦ أو ﺗﻜ ﻮن ﺳﺎھ ﻤﺖ ﻓﯿ ﻪ اﻷﺳﻠ ﺤ ﺔ اﻟﻨ ﻮوﻳ ﺔ أو‬
‫اﻹﺷﻌﺎﻋﺎت اﻷﻳ ﻮﻧﯿ ﺔ أو اﻟﺘﻠ ﻮث ﺑﺎﻹﺷﻌﺎع ﻣﻦ أ ي وﻗ ﻮد أو أﻳ ﺔ ﻧﻔﺎﻳﺎت ﻧ ﻮوﻳ ﺔ ﻧﺎﺗ ﺠ ﺔ ﻋﻦ‬
‫ وﻷﻏﺮاض ھﺬا اﻻﺳﺘﺜﻨﺎء ﻓﺈن اﻻ ﺣﺘﺮاق ﻳﺸ ﻤﻞ أ ي ﻋ ﻤﻠﯿ ﺔ‬، ‫ا ﺣﺘﺮاق وﻗ ﻮد ﻧ ﻮو ي‬
.‫اﻧﺸ ﻄﺎ ر ﻧ ﻮو ي‬
.‫ أو اﻟﺒﺮا ﻛﯿﻦ‬، ‫ أو اﻟﻔﯿﻀﺎﻧﺎت‬، ‫ أو اﻟﺰﻻ ز ل‬، ‫)ھ( اﻟﻜ ﻮا رث اﻟ ﻄﺒﯿﻌﯿ ﺔ ﻣﺜﻞ اﻷﻋﺎﺻﯿﺮ‬
‫ ﻳ ﺠﺐ أن ﺗﻘﺮأ ھﺬه اﻟ ﻮﺛﯿﻘ ﺔ ﺑﺘ ﻤﻌﻦ وإذا ذا ﻛﺎن ھﻨﺎ ك أ ي ﻏ ﻤ ﻮض أو ﻟﺒ ﺲ ﻓﯿ ﻤﺎ‬:‫ﻣﻼ ﺣ ﻈ ﺔ‬
. ‫ﻳﺘﻌﻠ ﻖ ﺑ ﻤ ﺠﺎ ل اﻟﺘﻐ ﻄﯿ ﺔ أو ﺗﻔﺴﯿﺮ أ ي ﻣﻌﻨﻰ ﺑﮫﺬه اﻟ ﻮﺛﯿﻘ ﺔ ﻳﺮ ﺟﻰ اﻟﺮ ﺟ ﻮع إﻟﻰ اﻟﺸﺮ ﻛ ﺔ‬
‫اﻟ ﻤ ﺠ ﻤ ﻮﻋ ﺔ اﻟ ﻤﺘ ﺤﺪة ﻟﻠﺘﺄﻣﯿﻦ اﻟﺘﻌﺎوﻧﻲ‬