‫ﺟﺪو ل وﺛﯿﻘ ﺔ اﻟﺘﺄﻣﯿﻦ اﻟﺸﺎﻣﻞ ﻋﻠﻰ اﻟ ﻤﺮ ﻛﺒﺎت اﻟ ﻤ ﺆ ﺟﺮة ﺗ ﻤ ﻮﻳﻠﯿًﺎ ﻟﻸﻓﺮاد‬

Policy Schedule for the Comprehensive Insurance for Motor Vehicles Financially Leased to Individuals
P-01-2023-4-411-058572 Policy No.
‫ﺑﯿﺎﻧﺎت اﻟﻤﺆﻣﻦ ﻟﮫﻢ‬
Insureds Information
‫ )اﻟ ﻤﺴﺘﺄ ﺟﺮ )اﻟ ﻤ ﺆﻣﻦ ﻟ ﻪ‬Insured (Lessee) ‫ )اﻟ ﻤ ﺆﻣﻦ ﻟ ﻪ )اﻟ ﻤ ﺆ ﺟﺮ‬Insured (Lessor)
‫ رﻗﻢ إﻗﺎﻣ ﺔ ﻟﻐﯿﺮ اﻟﺴﻌ ﻮدﻳﯿﻦ‬/ ‫رﻗﻢ اﻟﺴ ﺠﻞ اﻟ ﻤﺪﻧﻲ ﻟﻠﺴﻌ ﻮدﻳﯿﻦ‬
2375757040 (‫)ﻟﻠ ﻤﺴﺘﺄ ﺟﺮ‬
National ID number for Saudi nationals
‫ ) رﻗﻢ اﻟﺴ ﺠﻞ اﻟﺘ ﺠﺎ ر ي )ﻟﻠ ﻤ ﺆ ﺟﺮ‬Commercial Registration
4030001588
No.
‫ﷴ ﺣﺴﻦ اﻟ ﻤﻚ ﻋﻠﻲ‬ Saudi National Bank
‫ اﺳﻢ اﻟ ﻤ ﺆﻣﻦ ﻟﮫﻢ‬Name of Insureds
MOHA MMED HA SSA N A LI ‫اﻟﺒﻨﻚ اﻷھﻠﻲ اﻟﺴﻌ ﻮد ي‬
550300657 920001000 ‫ رﻗﻢ اﻟﮫﺎﺗ ﻒ‬Phone number
3652 - 324266151 - ‫ اﻟﺪﻣﺎم‬- ‫ ﺣﻲ اﻟﻌﻨ ﻮد‬- ‫اﻟ ﻤﻠﻚ ﺳﻌ ﻮد‬ 7029-2670-21543-‫ ﺟﺪة‬-(‫)اﻟﺒﻠﺪ‬-‫ﺑﺎﻋﺸﻦ‬ ‫ اﻟﻌﻨ ﻮان اﻟ ﻮطﻨﻲ‬National A ddress
‫ﺑﯿﺎﻧﺎت اﻟﻤﺮﻛﺒﺔ‬
Vehicle Details
LS5A 3DKR1PA 000542 ‫ رﻗﻢ اﻟﮫﯿﻜﻞ‬Chassis No. ‫ رﻗﻢ ﻟ ﻮ ﺣ ﺔ اﻟ ﻤﺮ ﻛﺒ ﺔ‬Registration Plate No.
‫ﺗﺎ رﻳﺦ اﻧﺘﮫﺎء ر ﺧﺼ ﺔ اﻟﺴﯿﺮ‬Vehicle ‫رﻣﺎد ي‬ ‫ ﻟ ﻮن اﻟ ﻤﺮ ﻛﺒ ﺔ‬Vehicle Color
Registration Expiry Date
3023060868 ‫ رﻗﻢ اﻟﺒ ﻄﺎﻗ ﺔ اﻟ ﺠ ﻤﺮ ﻛﯿ ﺔ‬: Custom Card ID : ‫ ﻧ ﻮع ھﯿﻜﻞ اﻟ ﻤﺮ ﻛﺒ ﺔ‬Type of Chassis
2023 ‫ ﺳﻨ ﺔ اﻟﺘﺼﻨﯿﻊ‬Year of Manufacture ‫ﺷﺎﻧ ﺠﺎن‬ ‫ ﻣﺎ ر ﻛ ﺔ اﻟ ﻤﺮ ﻛﺒ ﺔ‬Vehicle Make
72220 ‫ اﻟ ﻘﯿ ﻤ ﺔ اﻟﺘﺄﻣﯿﻨﯿ ﺔ‬Sum Insured 35 ‫ﺳﻲ اس‬ ‫ طﺮا ز اﻟ ﻤﺮ ﻛﺒ ﺔ‬Vehicle Model

3227.89 ‫ ﻣﺒﻠﻎ اﻟ ﻘﺴ ﻂ اﻟﺘﺄﻣﯿﻨﻲ‬Premium

1000 ‫ ﻣﺒﻠﻎ اﻟﺘ ﺤ ﻤﻞ‬Deductible
‫ﻧﺴﺒ ﺔ ا ﺣﺘﺴﺎب اﻟ ﻤﺮ ﻛﺒ ﺔ ھﻼ ك ﻛﻠﻲ اﻗﺘﺼﺎد ي‬
15.00 Percentage of Considering the Motor
Vehicle as Economic Total Lost
‫و رﺷ ﺔ‬/‫ )طﺮﻳ ﻘ ﺔ اﻹﺻﻼح (و ﻛﺎﻟ ﺔ‬Repair
Dealerships ‫و ﻛﺎﻟ ﺔ‬ Method (dealerships or certified auto
repair shops)
Kingdom of Saudi A rabia ‫اﻟ ﻤ ﻤﻠﻜ ﺔ اﻟﻌﺮﺑﯿ ﺔ اﻟﺴﻌ ﻮدﻳ ﺔ‬ ‫ اﻟ ﺤﺪود اﻟ ﺠﻐﺮاﻓﯿ ﺔ‬Geographic Border
‫ﺗﻐ ﻄﯿ ﺔ‬, ‫اﻟﻜ ﻮا رث اﻟ ﻄﺒﯿﻌﯿ ﺔ‬, ‫ﺗﻐ ﻄﯿ ﺔ اﻟ ﺨﺴﺎ رة اﻟﻜﻠﯿ ﺔ أو اﻟ ﺠﺰﺋﯿ ﺔ ﻟﻠ ﻤﺮ ﻛﺒ ﺔ‬
Coverage for total or partial loss of Vehicle,Natural
‫اﻟ ﺤﺪ اﻷﻗﺼﻰ‬:(‫اﻟ ﻤﺴ ﺆوﻟﯿ ﺔ ﺗ ﺠﺎه اﻟﻐﯿﺮ )اﻟ ﻄﺮف اﻟﺜﺎﻟﺚ‬, ‫اﻟﺴﺮﻗﺎت واﻟ ﺤﺮاﺋ ﻖ‬
Disasters,Theft & Fire,Liabilities to Third
Parties:maximum liability of the Company and damages ‫ﻟ ﻤﺴ ﺆوﻟﯿ ﺔ اﻟﺸﺮ ﻛ ﺔ ﻓﻲ اﻟ ﻮاﻗﻌ ﺔ اﻟ ﻮا ﺣﺪة و ﺧﻼ ل ﻓﺘﺮة ﺳﺮﻳﺎن وﺛﯿﻘ ﺔ اﻟﺘﺄﻣﯿﻦ‬ ‫ اﻟ ﻤﻨﺎﻓﻊ اﻹﺿﺎﻓﯿ ﺔ‬A dditional Benefits
‫ﺑﺎﻟﻨﺴﺒ ﺔ ﻟﻸﺿﺮا ر اﻟ ﺠﺴﺪﻳ ﺔ )ﺑ ﻤﺎ ﻓﻲ ذﻟﻚ اﻟﺪﻳﺎت واﻟ ﻤﺒﺎﻟﻎ اﻟ ﻤﻘﺪ رة ﻋﻦ‬
shall not exceed a combined single limit of SA R (ten ً‫اﻹﺻﺎﺑﺎت واﻟ ﻤﺼﺎ رﻳ ﻒ اﻟ ﻄﺒﯿ ﺔ( واﻷﺿﺮا ر اﻟ ﻤﺎدﻳ ﺔ ﻣﻌﺎً ﻟﻦ ﺗﺘ ﺠﺎو ز ﻣﺒﻠﻐﺎً إ ﺟ ﻤﺎﻟﯿﺎ‬
million Saudi Riyals)
‫ﻗﺪ ره ﷼ )ﻋﺸﺮة ﻣﻼﻳﯿﻦ ﷼ ﺳﻌ ﻮد ي( ﺣﺪاً أﻗﺼﻰ ﻟ ﻤﺴﺌ ﻮﻟﯿ ﺔ اﻟﺸﺮ ﻛ ﺔ‬
‫أﺳ ﻤﺎء اﻟﺴﺎﺋﻘﯿﻦ اﻹﺿﺎﻓﯿﯿﻦ‬
2375757040-‫ﷴ ﺣﺴﻦ اﻟ ﻤﻚ ﻋﻠﻲ‬
Names of A uthorized Drivers
16/04/2023 - 14/04/2024 ‫ ﻓﺘﺮة اﻟﺘﻐ ﻄﯿ ﺔ‬Converge period
‫ﻳﻌﺪ طﻠﺐ اﻟﺘﺄﻣﯿﻦ اﻟﺬ ي ﺗﻢ ﺗﻌﺒﺌﺘ ﻪ وﺗ ﻮﻗﯿﻌ ﻪ ﻣﻦ ﻗﺒﻞ طﺎﻟﺐ اﻟﺘﺄﻣﯿﻦ أو ﻣﻦ ﻳ ﻤﺜﻠ ﻪ ﻧ ﻈﺎًﻣﺎ ﺟﺰًءا ﻻ ﻳﺘ ﺠﺰأ ﻣﻦ اﻟ ﻮﺛﯿﻘ ﺔ واﻟﺘﻲ ﺑﺪو رھﺎ ﺗﺸ ﻤﻞ أ ﺣﻜﺎم وﺷﺮوط واﺳﺘﺜﻨﺎءات و ﺣﺪود اﻟﺘﻐ ﻄﯿ ﺔ إﺿﺎﻓ ﺔ اﻟﻰ ﺟﺪوﻟﮫﺎ وأ ي ﻣﻼ ﺣ ﻖ‬
. ً‫ وﺗﺸﻜﻞ ﺟ ﻤﯿﻌﮫﺎ ﻋﻘﺪاً وا ﺣﺪا‬، ‫ُﻳﺘﻔ ﻖ ﻋﻠﯿﮫﺎ ﺳ ﻮاًء ﻓﻲ ﺑﺪاﻳ ﺔ اﻟﺘﻐ ﻄﯿ ﺔ اﻟﺘﺄﻣﯿﻨﯿ ﺔ أو أﺛﻨﺎء ﺳﺮﻳﺎﻧﮫﺎ‬
The insurance coverage request that was completed and signed by the insurance applicant or their legal representative shall form an integral part of the
Policy; which contains the rovisions, conditions, exclusions, coverage limits and schedule; and any Endorsement agreed upon, whether at the start of the
insurance coverage or following its effectiveness.
 AUT O LEASE MOT OR COMPREHENSIVE POLICY SCHEDULE
Policy No : P-01-2023-4-411-058572 :
Branch : Jeddah :

W e, W ataniya Insurance Company hereby agree, in consideration of the payment to us by or on behalf of the Assured of the agreed premium
to insure against loss or damage to the Motor Vehicle including any installed accessories, occurring due to any incident, including fire, theft or
damage resulting from lightening or natural disasters such as floods or hailstones, according to the policy terms & conditions provided below .

Renewal Due : 14/04/2024 + 1 day :

Inception Date : 16/04/2023 Expiry Date : 14/04/2024
Insured Name (Lessor) : ‫اﻟ ﺒ ﻨﻚ اﻷ ھ ﻠﻲ اﻟ ﺴﻌﻮ د ي‬
Lessee Name : ‫ﷴ ﺣ ﺴ ﻦ ا ﻟﻤ ﻚ ﻋ ﻠ ﻲ‬
Insured A ddress : 3652 - 324266151 - ‫ اﻟﺪﻣﺎم‬- ‫ ﺣﻲ اﻟﻌ ﻨﻮ د‬- ‫ اﻟﻤ ﻠﻚ ﺳﻌﻮ د‬- 3652 / 324266151 - ‫ اﻟﺪﻣﺎم‬- ‫ ﺣﻲ اﻟﻌ ﻨﻮ د‬- ‫اﻟﻤ ﻠﻚ ﺳﻌﻮ د‬
Beneficiary Name : Lessor in case of total loss, Lessee in case of partial loss.
Sum Insured Currency : SAR Premium Currency : SAR
Total Sum Insured : 72220 Total Premium : 3227.89
Cover : Com prehensive
Natural Hazards

INSURED VEHICLE(S):AS PER LIST AT T ACHED

Conditions : Third Party Liability Limit of Indemnity
In the event of the occurrence of an accident resulting in the paym ent of indem nity in accordance with the provisions of this
policy, the m ax im um lim it of the com pany's liability for one event for both physical dam age (including blood m oney, bodily
injuries, dam ages and m edical ex penses) and m aterial dam ages, shall not ex ceed together a total sum of SR 10,000,000
(ten m illion Saudi riyals) as a coverage liability lim it.
Territorial Limit
Kingdom of Saudi Arabia.
Law and Jurisdiction
Kingdom of Saudi Arabia.
Limitation of Use
Use only for social, dom estic, and pleasure purposes and for the insured business or profession.
Policy can be ex tended upon request to cover drivers whose using delivery com m ercial application (Uber –Kareem - Marsool,
etc...) subject to additional prem ium of 50% of the basic prem ium and subject to double policy deductible.
Towing Expenses
Actual Charges, subject to m ax im um of SAR 1,000/- per incident; provided that the transportation receipt is subm itted when
filing the claim .
Emergency Medical Expenses
Actual Charges, subject to m ax im um of SR.20,000/- per anyone occurrence/accident.
Basis of Claim Settlement
A.Partial Loss Depreciation: Nil including claim s pertaining to Tires, W heel Caps, and such other accessories including partial
theft claim s from the vehicles.
B.Total Loss Depreciation: 1.5% of sum insured per m onth, subject to m ax im um of 15% per annum on Insured / Declared
value.
C.The insured vehicle will be deem ed as Total Loss if the dam age assessm ent shows that the needed repairs are
econom ically (repair cost including spare parts is ex ceeding 60%) or technically infeasible, provided that such assessm ent is
conducted by entities licensed to conduct vehicle dam age assessm ents and or at the m utual discretion of both the W ataniya
Insurance Com pany and NCB.
D.Total Loss settlem ent will be based on the sum Insured declared by the insured at policy inception.
E.Total Loss Beneficiary: Insured Nam e (Lessor/ The National Com m ercial Bank )
F.Transfer of ownership following total loss within Max 60 days from final docum ents subm ission date.
Personal A ccident Benefits
O ptional cover for Driver and Passengers subject to full seating capacity and subject to additional prem ium to be agreed at
quotation stage or later during policy period – Lim it as per Scale of Com pensation up to a m ax im um of SR 100,000 per
person. Less than 18 years old and over 70 years old will have 50% com pensation in case of death but up to the full benefit
in case of perm anent total disablem ent.
Personal A ccident Benefits Premium
Additional Prem ium for Personal Accident Driver: SR 40 for each driver.
Additional Prem ium for Personal Accident Passenger: SR 30 for each passenger.
A uthorized Driver
Any nam ed &/or unnam ed person of age 18 years and above, holding Saudi Driving License or a perm it to drive a m otor
vehicle issued by Saudi Traffic Authorities &/or holding GCC driving License &/or holding International driving license, is fully
covered in any issued policy to drive any and all m otor vehicles irrespective of the type of license he/she is holding without
requiring authorization perm it.
Additional driver to be added upon client request with no additional prem ium .
Replacement Car Extension
An Insured person will autom atically be entitled to rent a car of his choice when his own car enters the work shop/agency for
repairs following an accident covered under the policy subject to the following additional prem ium and deductible.

O ption Cover Additional

Prem ium
O ption Actual rent fees up to m ax im um lim it of SR.2,000/- per vehicle anyone occurrence at the rate of
SR. 250
 1 SR.100/- per day subject to deductible of the first 72 hours
O ption Actual rent fees up to m ax im um lim it of SR.4,000/- per vehicle anyone occurrence at the rate of
SR. 400
2 SR.150/- per day subject to deductible of the first 72 hours
O ption Actual rent fees up to m ax im um lim it of SR.5,000/- per vehicle anyone occurrence at the rate of SR. 500
3 SR.200/- per day subject to deductible of the first 72 hours
Ex clusion for Replacem ent Car Ex tension:
Replacem ent car benefit will not be applicable to stolen, total loss vehicles and windshield dam age.
Geographical Extension Cover
Geographical ex tension allowed subject to double policy deductible and subject to additional prem ium (O wn Dam age O nly)
as below:

Region Additional Prem ium

GCC (Including Bahrain) Free
Bahrain O nly Free
Egypt SR. 200/-
Jordan SR. 200/-

Natural Perils Extension

Natural Perils Ex tension: Loss or dam age due to natural disaster such as Storm , Tem pest, Hail and Flood are payable.
Police/Najm Report
Every claim should be substantiated with police report and/or Najm report and/or report from a com petent authority.
Theft Claims Condition
Theft claim s are payable as total loss if the vehicle is not found within 60 days subject to subm ission of final police report. If
the vehicle is found after com pensation is m ade to the Insured, it becom es the property of W ataniya Insurance Com pany.
It’s understood and agreed that theft cover will not be allowed if the vehicle is not properly lock ed or the k ey is left inside the
vehicle or the vehicle is left with engine running.
Partial theft / dam ages: W ataniya Insurance Com pany shall accept the claim s of dam age, loss or theft of tires, rim s, and/or
hubcaps (wheel covers).
Deductible Condition
A.Insured/driver shall not be charged a Deductible if the Lessee or the Driver were not held liable for the Accident, according
to the report prepared by the entity attending the Accident scene.
B.In case Insured/driver is held partially liable for the Accident, the percentage of Deductible am ount shall be calculated as
per the percentage of liability accounted for by the Lessee or the Driver regarding the Accident only.
Cancellation Clause
Neither the Insurer nor the Insureds has the right to cancel the Policy after its issuance, ex cept in the following cases:
A.The write-off of the Motor Vehicle’s registrar.
B.Transfer of ownership of a Motor Vehicle to another owner.
C.The ex istence of alternative Policy that provides the sam e coverage indicated in the Rules and covers the rem aining term
of the Policy to be cancelled.
D.Term ination or cancelation of the finance leasing contract between the Lessor and the Lessee.
The Insurer shall refund the Lessor the due am ount payable for the uncovered period by depositing the am ount to their
bank account via IBAN within three business days from the date on which the Insurer becom es aware of the occurrence of any
of the cases m entioned above. The due am ount payable to the Insureds for the uncovered period is calculated by
subtracting the elapsed days from the total Policy term (in days) and then dividing the result by the total Policy term . The
result is then m ultiplied by the insurance Prem ium as follows:
(365 − elapsed days) /365 × insurance Prem ium = return Prem ium payable to the Insured.
The Insurer is ex em pted from paying the return Prem ium in the case that there is a Claim related to the Policy to be
cancelled and on the Motor Vehicle covered by the Policy whose value ex ceeds the am ount to be refunded as per the
calculation form ula m entioned above.
Notwithstanding the foregoing, Insurers, Insureds and Drivers shall rem ain bound by the provisions of this Policy with respect
to the obligations arising prior to its cancellation.

General Conditions : Subrogation

Following indem nification of an insurance beneficiary, the Insurer has the right to act on behalf of the Insured in pursuing
their Claim against the person at fault, unless it is the First Beneficiary.
Right of Recovery
In the case that an Insurer m ade indem nity paym ents to any party whom soever for dam age or loss, and it was later
discovered that the paym ents were m ade upon a risk ex cluded from or not covered under the Policy; or if the Claim involved
deceit, fraud, m isinform ation or forgery, the Insurer is entitled to recover against the indem nified person for the indem nity
paym ents. The Insurer is also entitled to recourse against any person at fault in case of attem pted theft or theft of the
insured Motor Vehicle or when the insured Motor Vehicle is driven by any person without perm ission from the Insureds.
Changes
The Insureds shall notify the Insurer, within 20 business days, of any Material Changes to the inform ation subm itted in the
insurance coverage request. The Insurer shall notify the Insureds in case it intends to increase the am ount of the Prem ium
or reim burse part of the Prem ium to the lessor when it is reduced. If no notification is sent to the Insured by the Insurer
within five business days, then this shall indicate the Insurer’s agreem ent to continue providing the coverage at the Prem ium
rate agreed upon at the tim e of signing the Policy.
Obligations of the Insureds or Driver in Case the Occurrence of an A ccident Covered under the Policy
A.Shall inform the concerned entities as soon as an Accident occurs and shall not leave the scene of the Accident until
procedures have been com pleted, ex cept in cases where leaving the scene is required such as the case of physical injuries.
B.Shall not Claim responsibility with the intention of harm ing the Insurer, pay or undertak e to pay any am ount to any party
involved in the Accident ex cept after obtaining a prior written approval from the Insurer.
C.Shall cooperate with the Insurer, and issue powers of attorney enabling the Insurer to carry out the pleading, defending
and settlem ent procedures on behalf of the Insured or the Driver, if the Insurer ex presses its desire to do so.
D.Shall, at the Insurer's ex pense, perform all actions required to guarantee the Insurer's right for recovering any of its due
entitlem ents from any other party, as a result of indem nity paid in accordance with the Policy.
E.Shall inform the concerned entities in case of theft or any other crim inal act, and shall cooperate with the Insurer in
securing the conviction of the offender.
Fraud
All rights arising from the Policy shall be forfeited if the Claim involves fraud, or if the Insureds or the Driver adopts
fraudulent ways or m ethods to gain benefit under this Policy, or if the liability or dam age resulted from a deliberate act by or
collusion with, the Insureds, the Driver, or others. The Insurer has the right of recover against any party found to be
responsible for such fraud, whether as a conspirator or an accom plice.
Exclusions : 1.A Motor Vehicle found to be driven by a person who does not hold a valid license corresponding to the type of vehicle
driven, according to the relevant laws and regulations, or in the event that an order is issued by a concerned authority for the
forfeiture of the Driver’s license, or if the license was ex pired at the tim e of the Accident unless it was renewed within (50)
business days from the date of the Accident.
2.The Deductible am ount stated in the Policy Schedule.
3.Any driver less than 18 years.
4.Consequential loss or denial of usage.
5.Manufacturing defects and dam ages resulting due to the usage of the Motor Vehicle or from m echanical or electrical
m alfunctions.
6.Dam age, loss or theft of tires, rim s, and/or hubcaps (wheel covers), unless such loss or dam age occurred thereto at the
tim e of the covered Accident.
7.Death or physical injury to the Insured or the Driver.
8.Personal Accident Benefits (Driver and or Passenger) unless chosen by insured as additional coverage at quotation stage
or later during policy period.
9.Replacem ent Car unless chosen by insured as additional coverage at quotation stage or later during policy period.
10.Loss or dam age to goods and/or personal belongings while being loaded, unloaded or transported in or on the Motor
Vehicle.
11.Loss or dam age to any trailer unless ex pressly stated otherwise in the Policy Schedule.
12.Loss or dam age to a Motor Vehicle as a result of theft or attem pt theft due to leaving the Motor Vehicle running or
abandoning the k eys inside of it, or due to not shutting down the windows or closing the doors.
13.All additional Motor Vehicle’s accessories, apart from those already fitted by the m anufacturer and whose price is already
included in the original price of the Motor Vehicle, unless the type and value of such accessories are ex plicitly and specifically
stated in the Policy Schedule.
14.If the Motor Vehicle is used in contravention to restrictions set forth in the Policy Schedule.
15.Carrying passengers beyond the perm itted loading capacity of the Motor Vehicle or overloaded; if it is proven that the
Accident was caused by such violation.
16.If the Motor Vehicle is used for any type of racing or for acceleration, endurance or speed testing.
17.A Motor Vehicle driven by a person under the influence of drugs, alcohol, or m edicines which m edically prohibit driving
after tak ing it.
18.If the Motor Vehicle is being used or operated as work ing m achinery.
19.Car drifting, running a red light or driving against direction of traffic if it is proven that this was the cause of the Accident
according to the report prepared by the authorized entity of traffic Accidents.
20.A Motor Vehicle driven in areas that are norm ally off-lim its to the public, such as airports or seaports.
21.Any liabilities or costs that were directly or indirectly incurred due to crim inal and hostile acts com m itted by the Insureds
and/or the Driver.
22.If the Driver escapes the scene of the Accident for no acceptable justification.
23.If it is proven in the report prepared by the authorized entity attending traffic Accidents that the Accident was caused
deliberately by the Insured or the Driver.
24.Subm itting inaccurate inform ation or concealing m aterial facts in the insurance coverage request.
25.Accidents occurring outside the territorial borders of the Kingdom of Saudi Arabian.
26.Any liability or ex penses arising, directly or indirectly, from the following:
A.W ar, invasion, acts of foreign enem y, hostilities, warlik e acts (whether war is declared or not), or civil war.
B.Rebellion, m ilitary or popular uprising, insurgence, revolution, usurping authority, m artial laws, siege; or any events
or reasons leading to declaring or continuation of m artial laws, siege, or acts of vandalism and terrorism com m itted
by person(s) work ing individually or on behalf of or related to any terrorist organization. Terrorism shall m ean the use
of violence for political, intellectual, philosophical, racial, ethnic, social, or religious purposes. The use of violence
includes putting the public and/or a segm ent of it under panic condition, affecting and/or causing turm oil; intervening
in any operations and/or activities or policies related to the governm ent; or causing turbulence negatively affecting
the national econom y or any of its sectors.
C.Strik es, riots, or civil or labor unrest.
D.W hat has been caused, or contributed to, by nuclear weapons, ionizing radiations, radioactive contam ination due to
any nuclear fuel or waste, or contam ination due to nuclear fuel com bustion. For the purposes of this ex clusion,
com bustion shall include any nuclear fission.

Disclaimer : The Scope of Coverage, Standard Term s and Conditions, Standard Ex clusions and the General Conditions stated in this
schedule are all derived from the "Rules for Com prehensive Insurance of Motor Vehicles Financially Leased to Individuals"
published by SAMA on 02/12/1441H. In case of any unintentional discrepancy and/ or typing m istak e and/ or contradiction
the ultim ate and final reference will be the original circular published by SAMA on the m entioned date.

Premium : SAR 2806.86

VA T : SAR 421.03
Total Premium Including VA T : SAR 3227.89

Premium Payment Warranty : The prem ium of this Policy is due for paym ent within 30 days from the issuance. It is warranted that the full prem ium is paid
accordingly. If this warranty is breached, this Insurance Policy shall be term inated autom atically, and no cover will be in force
with effect from inception.

In witness whereof the undersigned being duly authorized by W ataniya Insurance Com pany has set his signature hereunto.
Issue Date : 16/04/2023
Branch : Jeddah
Printed by : Main Insured
Printed Date :

Authorized Signatory

VAT Clause
Article 1. The Premiums, Fees and/or Charges stated in this Policy are show n exclusive of any value added tax, goods and service tax or
sales tax, or any other similar taxes, charges or duties to the extent any such tax is applicable or w ill become applicable as a result of
provision of the services under this Policy (hereinafter – “Applicable Tax”).
Article 2. Any payment due as a result of the application of the Applicable Tax to the Premiums, Fees and/or Charges stated in this Policy
shall be solely the responsibility of the Policyholder / Insured.
Article 3. In the event the Insurer is obligated to remit to the relevant tax authority any Applicable Tax in connection w ith the services
provided hereunder, the Insurer shall charge such Applicable Tax on the Premiums, Fees and/or Charges stated in this Policy at the prevailing
rate and in accordance w ith the applicable law s and regulations, and the Policyholder/Insured shall pay such Applicable Tax to the Insurer in
accordance w ith the Insurer’s invoice. It is a condition precedent to the Insurer's liability under this Policy that the Policyholder / Insured pay
the full amount of the Applicable Tax due in respect of the Premiums, Fees and/or Charges stated in this Policy. W ithout prejudice to the
foregoing, the failure of the Policyholder/Insured to pay the full amount of the Applicable Tax shall be considered as a material breach of the
terms and conditions of this Policy and the Insurer retains its rights to invoke any legal remedies available for such breach, including but not
limited to immediate termination of this Policy.
The Insurer shall not be liable for any penalties or interest that may arise due to the Policyholder’s/Insured’s non-compliance w ith the
relevant statutory requirements on Applicable Taxes.
Article 4. The playability of the Applicable Tax element of the amounts claimed under this Policy, if any, w ill depend on the tax registration
status of the Insured/claimant and /or w hether the appropriate and relevant invoice is raised in the name of the Insurer or not.
 ‫ﺷﮫﺎدة ﺗﺄ ﻣﯿ ﻦ ﺷﺎ ﻣﻞ ﻟﻠ ﻤﺮﻛﺒﺎت اﻟ ﻤﺆﺟﺮة ﺗ ﻤﻮﻳﻠﯿًﺎ ﻟ ﻸﻓﺮاد‬
‫م‬ ‫ھـ‬
‫‪:‬‬ ‫اﻟ ﻤ ﻮاﻓ ﻖ‬ ‫‪:‬‬ ‫اﻟﺘﺎ رﻳﺦ‬
‫‪16/04/2023‬‬ ‫‪26-9-1444‬‬

‫‪:‬‬ ‫‪Saudi National Bank :‬‬ ‫اﻟ ﻤﺄ ﺟﺮاﺳﻢ ﻣﺎﻟﻚ اﻟ ﻤﺮ ﻛﺒ ﺔ‪/‬اﺳﻢ‬

‫ﺑﯿﺎﻧﺎت اﻟ ﻤﺮﻛﺒ ﺔ‬
‫‪2023 :‬‬ ‫اﻟ ﻤ ﻮدﻳﻞ‬ ‫‪ :‬ﺳﻲ اس ‪ 35‬ﺷﺎﻧﺠﺎ ن‬ ‫ﻧ ﻮع اﻟﺴﯿﺎ رة‬
‫‪3023060868 :‬‬ ‫اﻟﺒ ﻄﺎﻗ ﺔ اﻟ ﺠ ﻤﺮ ﻛﯿ ﺔ رﻗﻢ اﻟ ﺘ ﺴﺠ ﯿﻞ ‪/‬‬ ‫‪LS5A3DKR1PA000542 :‬‬ ‫رﻗﻢ ھﯿﻜﻞ‪/‬اﻟﺸﺎﺻﯿ ﻪ‬
‫‪ :‬﷼ ﺳﻌﻮ د ي ‪72220‬‬ ‫اﻟﻘ ﯿﻤﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﻟ ﻠﻤﺮﻛ ﺒﺔ‬ ‫‪:‬‬ ‫رﻗﻢ اﻟﻠ ﻮ ﺣ ﺔ‬

‫ا ﺳ ﻤﺎء اﻟﺴﺎﺋﻘﯿ ﻦ ‪/‬اﻟ ﻤﺴﺘﺨﺪ ﻣﯿ ﻦ‬

‫‪2375757040 :‬‬ ‫رﻗﻢ ھﻮﻳﺔ اﻟﻤ ﺴ ﺘﺨﺪم‬ ‫‪ :‬ﷴ ﺣ ﺴ ﻦ ا ﻟﻤ ﻚ ﻋ ﻠ ﻲ‬ ‫اﺳﻢ اﻟﺴﺎﺋ ﻖ‪/‬اﻟ ﻤﺴﺘ ﺨﺪم‬
‫‪22-12-1986 :‬‬ ‫ﺗﺎ رﻳﺦ اﻟ ﻤﯿﻼد‬
‫‪ :‬ﺑ ﮫﺬا ﺗ ﺸ ﮫﺪ اﻟ ﺸﺮﻛﺔ اﻟﻮط ﻨ ﯿﺔ ﻟ ﻠ ﺘﺄﻣ ﯿ ﻦ ﺑﺄ ن اﻟ ﺴ ﯿﺎ رة اﻟﻤﺬﻛﻮ رة أﻋﻼه ﻣﺆﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ ﻟﺪ ى اﻟ ﺸﺮﻛﺔ و ذﻟﻚ ﺣ ﺴﺐ ﺷﺮوط وإﺳ ﺘ ﺜ ﻨﺎءات اﻟﻮﺛ ﯿﻘﺔ رﻗﻢ‬ ‫‪P-01-2023-4-411-058572‬‬
‫‪:‬‬
‫ھـ‬ ‫ھـ‬
‫‪:‬‬ ‫ﺗ ﺎ ر ﻳ ﺦ ﻧ ﮫ ﺎ ﻳ ﺔ ا ﻟ ﺘ ﻐﻄ ﯿ ﺔ‬ ‫‪:‬‬ ‫ﺗﺎ رﻳﺦ ﺑﺪاﻳ ﺔ اﻟﺘﻐ ﻄﯿ ﺔ‬
‫‪6-10-1445‬‬ ‫‪26-9-1444‬‬
‫م‬ ‫م‬
‫‪:‬‬ ‫و ﺣ ﺘ ﻰ ﺗﺎ ر ﻳﺦ‬ ‫‪:‬‬ ‫اﻟ ﻤ ﻮاﻓ ﻖ‬
‫‪14/04/2024‬‬ ‫‪16/04/2023‬‬

‫و ﻋ ﻠ ﯿ ﻪ ﺗ ﻌ ﺘ ﺒ ﺮ ھ ﺬ ه اﻟ ﺸ ﮫﺎ د ة ﺑ ﻤ ﺜﺎﺑ ﺔ ﻛ ﻔﺎﻟ ﺔ ﻏ ﺮ م و أ د ا ء ﻟ ﻠ ﺤ ﻖ اﻟ ﺨﺎ ص ﻟ ﻠﻄ ﺮ ف اﻟ ﺜﺎﻟ ﺚ وﺗ ﺸ ﻤ ﻞ ا ﻷ ﺿ ﺮ ا ر اﻟ ﺠ ﺴ ﺪﻳ ﺔ ) ﺑ ﻤﺎ ﻓ ﻲ ذﻟ ﻚ اﻟ ﺪﻳﺎ ت و ا ﻷ ر و ش ( و ا ﻷ ﺿ ﺮ ا ر اﻟ ﻤﺎ دﻳ ﺔ و ذﻟ ﻚ‬

‫ﻋﻦ اﻟﻤ ﺴ ﺆ وﻟ ﯿﺔ اﻟ ﻨﺎﺗﺠﺔ ﻋﻦ و ﻗ ﻮع ﺣﺎ دث اﺷ ﺘﺮ ﻛﺖ ﻓ ﯿﻪ اﻟ ﺴ ﯿﺎ ر ة اﻟﻤ ﺆﻣﻦ ﻋ ﻠ ﯿﮫﺎ ﻓ ﻲ إ طﺎ ر ﺷﺮ و ط و إﺳ ﺘ ﺜ ﻨﺎء ات وﺛ ﯿﻘﺔ اﻟ ﺸﺮ ﻛﺔ اﻟﻤﺬ ﻛ ﻮ ر ة اﻋ ﻼ ه ﻋ ﻠﻰ أن ﻳﻜ ﻮن اﻟﺤﺪ‬
‫اﻷ ﻗ ﺼﻰ ﻟ ﻠ ﺘﻌ ﻮﻳ ﺾ ﺑﺎﻟ ﻨ ﺴ ﺒﺔ ﻟ ﻠﻄﺮف اﻟ ﺜﺎﻟﺚ ﻓ ﻲ اﻟ ﻮ ا ﻗﻌﺔ اﻟ ﻮ اﺣﺪ ة وﺧ ﻼل ﻓ ﺘﺮ ة ﺳﺮﻳﺎن وﺛ ﯿ ﻘﺔ اﻟ ﺘﺄﻣ ﯿﻦ ﻻ ﻳ ﺘﺠﺎ و ز ﻣ ﺒ ﻠﻐﺎ و ﻗﺪ ر ة ‪ 10,000,000‬﷼ ﻛﺤﺪ ا أ ﻗ ﺼﻰ ﻟﻤ ﺴ ﺌ ﻮﻟ ﯿﺔ‬
‫اﻟ ﺸ ﺮ ﻛ ﺔ ‪.‬‬
‫ﻣ ﻼﺣﻈ ﺎ ت ھ ﺎﻣﺔ‪:‬‬
‫• ﻓ ﻲ ﺣ ﺎ ل وﻗﻮع اي ﺣ ﺎ د ث ﻣﺮوري اﻟﺮﺟ ﺎ ء اﻻﺗﺼ ﺎ ل ﻋﻠ ﻰ اﻟﺮﻗﻢ ‪ 920000560‬ﻣﻊ اﻻﻟﺘﺰام ﺑﺘﻘ ﺪﻳﻢ ﺟﻤﯿﻊ اﻟﺒﯿ ﺎﻧ ﺎ ت واﻟﻤ ﻌﻠﻮﻣ ﺎ ت ﻋﻨ ﺪ ﺗﻘ ﺪﻳﻢ اﻟﺒ ﻼغ ھ ﺎﺗﻔﯿ ﺎ ﻟﻤﺤﻘ ﻖ اﻟﺤﻮا د ث ‪.‬‬
‫• ﺗﺨﻀﻊ ھ ﺬ ه اﻟ ﺸ ﮫ ﺎ د ة ﻷﺣﻜ ﺎم و ﺷﺮوط وا ﺳﺘﺜﻨ ﺎﺋ ﺎ ت ﺑﻮﻟﯿﺼﺔ اﻟﺘ ﺄﻣﯿﻦ اﻟﻤ ﺬ ﻛﻮر ة اﻋ ﻼ ه ‪ ,‬ﻛﻤ ﺎ ﺗ ﻌﺘﺒﺮ ﺟﺰ ء ﻻ ﻳﺘﺠﺰأ ﻣﻦ وﺛﯿﻘﺔ اﻟﺘ ﺄﻣﯿﻦ اﻻﺻﻠﯿﺔ ‪.‬‬
‫• ﻻ ﻳ ﻌﺘ ﺪ ﺑ ﺄي ﺷﻄﺐ او ﺗ ﻌ ﺪﻳ ﻞ ﻋﻠ ﻰ ھ ﺬ ه اﻟ ﺸ ﮫ ﺎ د ة اﻻ ﺑﺨﻄ ﺎ ب ﺧﻄ ﻲ ﻣ ﻌﺘﻤ ﺪ ﻣﻦ ﺷﺮ ﻛﺔ اﻟﺘ ﺄﻣﯿﻦ وﻻ ﺗﻘﺒ ﻞ اﻻ اﻟ ﺸ ﮫ ﺎ د ة اﻻﺻﻠﯿﺔ ‪.‬‬

‫اﻟ ﺸﺮﻛﺔ اﻟﻮط ﻨ ﯿﺔ ﻟ ﻠ ﺘﺄﻣ ﯿ ﻦ‬

 AUT O LEASE MOT OR COMPREHENSIVE POLICY SCHEDULE
W e, W ataniya Insurance Company hereby agree, in consideration of the payment to us by or on behalf of the Assured of the agreed premium
to insure against loss or damage to the Motor Vehicle including any installed accessories, occurring due to any incident, including fire, theft or
damage resulting from lightening or natural disasters such as floods or hailstones, according to the policy terms & conditions provided below .

Conditions : Third Party Liability Limit of Indemnity

In the event of the occurrence of an accident resulting in the paym ent of indem nity in accordance with the provisions of this
policy, the m ax im um lim it of the com pany's liability for one event for both physical dam age (including blood m oney, bodily
injuries, dam ages and m edical ex penses) and m aterial dam ages, shall not ex ceed together a total sum of SR 10,000,000
(ten m illion Saudi riyals) as a coverage liability lim it.
Territorial Limit
Kingdom of Saudi Arabia.
Law and Jurisdiction
Kingdom of Saudi Arabia.
Limitation of Use
Use only for social, dom estic, and pleasure purposes and for the insured business or profession.
Policy can be ex tended upon request to cover drivers whose using delivery com m ercial application (Uber –Kareem - Marsool,
etc...) subject to additional prem ium of 50% of the basic prem ium and subject to double policy deductible
Towing Expenses
Actual Charges, subject to m ax im um of SAR 1,000/- per incident; provided that the transportation receipt is subm itted when
filing the claim .
Emergency Medical Expenses
Actual Charges, subject to m ax im um of SR.20,000/- per anyone occurrence/accident.
Basis of Claim Settlement
A.Partial Loss Depreciation: Nil including claim s pertaining to Tires, W heel Caps, and such other accessories including partial
theft claim s from the vehicles.
B.Total Loss Depreciation: 1.5% of sum insured per m onth, subject to m ax im um of 15% per annum on Insured / Declared
value.
C.The insured vehicle will be deem ed as Total Loss if the dam age assessm ent shows that the needed repairs are
econom ically (repair cost including spare parts is ex ceeding 60%) or technically infeasible, provided that such assessm ent is
conducted by entities licensed to conduct vehicle dam age assessm ents and or at the m utual discretion of both the W ataniya
Insurance Com pany and NCB.
D.Total Loss settlem ent will be based on the sum Insured declared by the insured at policy inception.
E.Total Loss Beneficiary: Insured Nam e (Lessor/ The National Com m ercial Bank )
Transfer of ownership following total loss within Max 60 days from final docum ents subm ission date
Personal A ccident Benefits
O ptional cover for Driver and Passengers subject to full seating capacity and subject to additional prem ium to be agreed at
quotation stage or later during policy period – Lim it as per Scale of Com pensation up to a m ax im um of SR 100,000 per
person. Less than 18 years old and over 70 years old will have 50% com pensation in case of death but up to the full benefit
in case of perm anent total disablem ent.
Personal A ccident Benefits Premium
Additional Prem ium for Personal Accident Driver: SR 40 for each driver.
Additional Prem ium for Personal Accident Passenger: SR 30 for each passenger.
A uthorized Driver
Any nam ed &/or unnam ed person of age 18 years and above, holding Saudi Driving License or a perm it to drive a m otor
vehicle issued by Saudi Traffic Authorities &/or holding GCC driving License &/or holding International driving license, is fully
covered in any issued policy to drive any and all m otor vehicles irrespective of the type of license he/she is holding without
requiring authorization perm it.
Additional driver to be added upon client request with no additional prem ium .
Replacement Car Extension
An Insured person will autom atically be entitled to rent a car of his choice when his own car enters the work shop/agency for
repairs following an accident covered under the policy subject to the following additional prem ium and deductible.

Additional
O ption Cover
Prem ium
O ption Actual rent fees up to m ax im um lim it of SR.2,000/- per vehicle anyone occurrence at the rate of
SR. 250
1 SR.100/- per day subject to deductible of the first 72 hours
O ption Actual rent fees up to m ax im um lim it of SR.4,000/- per vehicle anyone occurrence at the rate of
SR. 400
2 SR.150/- per day subject to deductible of the first 72 hours
O ption Actual rent fees up to m ax im um lim it of SR.5,000/- per vehicle anyone occurrence at the rate of SR. 500
3 SR.200/- per day subject to deductible of the first 72 hours
Ex clusion for Replacem ent Car Ex tension:
Replacem ent car benefit will not be applicable to stolen, total loss vehicles and windshield dam age.
Geographical Extension Cover
Geographical ex tension allowed subject to double policy deductible and subject to additional prem ium (O wn Dam age O nly)
as below:

Region Additional Prem ium

GCC (Including Bahrain) Free
Bahrain O nly Free
Egypt SR. 200/-
Jordan SR. 200/-

Natural Perils Extension

Natural Perils Ex tension: Loss or dam age due to natural disaster such as Storm , Tem pest, Hail and Flood are payable.
 Police/Najm Report
Every claim should be substantiated with police report and/or Najm report and/or report from a com petent authority.
Theft Claims Condition
Theft claim s are payable as total loss if the vehicle is not found within 60 days subject to subm ission of final police report. If
the vehicle is found after com pensation is m ade to the Insured, it becom es the property of W ataniya Insurance Com pany.
It’s understood and agreed that theft cover will not be allowed if the vehicle is not properly lock ed or the k ey is left inside the
vehicle or the vehicle is left with engine running.
Partial theft / dam ages: W ataniya Insurance Com pany shall accept the claim s of dam age, loss or theft of tires, rim s, and/or
hubcaps (wheel covers).
Deductible Condition
A.Insured/driver shall not be charged a Deductible if the Lessee or the Driver were not held liable for the Accident, according
to the report prepared by the entity attending the Accident scene.
B.In case Insured/driver is held partially liable for the Accident, the percentage of Deductible am ount shall be calculated as
per the percentage of liability accounted for by the Lessee or the Driver regarding the Accident only.
Cancellation Clause
Neither the Insurer nor the Insureds has the right to cancel the Policy after its issuance, ex cept in the following cases:
A.The write-off of the Motor Vehicle’s registrar.
B.Transfer of ownership of a Motor Vehicle to another owner.
C.The ex istence of alternative Policy that provides the sam e coverage indicated in the Rules and covers the rem aining term
of the Policy to be cancelled.
D.Term ination or cancelation of the finance leasing contract between the Lessor and the Lessee.
The Insurer shall refund the Lessor the due am ount payable for the uncovered period by depositing the am ount to their
bank account via IBAN within three business days from the date on which the Insurer becom es aware of the occurrence of any
of the cases m entioned above. The due am ount payable to the Insureds for the uncovered period is calculated by
subtracting the elapsed days from the total Policy term (in days) and then dividing the result by the total Policy term . The
result is then m ultiplied by the insurance Prem ium as follows:
(365 − elapsed days) /365 × insurance Prem ium = return Prem ium payable to the Insured.
The Insurer is ex em pted from paying the return Prem ium in the case that there is a Claim related to the Policy to be
cancelled and on the Motor Vehicle covered by the Policy whose value ex ceeds the am ount to be refunded as per the
calculation form ula m entioned above.
Notwithstanding the foregoing, Insurers, Insureds and Drivers shall rem ain bound by the provisions of this Policy with respect
to the obligations arising prior to its cancellation.

General Conditions : Subrogation

Following indem nification of an insurance beneficiary, the Insurer has the right to act on behalf of the Insured in pursuing
their Claim against the person at fault, unless it is the First Beneficiary.
Right of Recovery
In the case that an Insurer m ade indem nity paym ents to any party whom soever for dam age or loss, and it was later
discovered that the paym ents were m ade upon a risk ex cluded from or not covered under the Policy; or if the Claim involved
deceit, fraud, m isinform ation or forgery, the Insurer is entitled to recover against the indem nified person for the indem nity
paym ents. The Insurer is also entitled to recourse against any person at fault in case of attem pted theft or theft of the
insured Motor Vehicle or when the insured Motor Vehicle is driven by any person without perm ission from the Insureds.
Changes
The Insureds shall notify the Insurer, within 20 business days, of any Material Changes to the inform ation subm itted in the
insurance coverage request. The Insurer shall notify the Insureds in case it intends to increase the am ount of the Prem ium
or reim burse part of the Prem ium to the lessor when it is reduced. If no notification is sent to the Insured by the Insurer
within five business days, then this shall indicate the Insurer’s agreem ent to continue providing the coverage at the Prem ium
rate agreed upon at the tim e of signing the Policy.
Obligations of the Insureds or Driver in Case the Occurrence of an A ccident Covered under the Policy
A.Shall inform the concerned entities as soon as an Accident occurs and shall not leave the scene of the Accident until
procedures have been com pleted, ex cept in cases where leaving the scene is required such as the case of physical injuries.
B.Shall not Claim responsibility with the intention of harm ing the Insurer, pay or undertak e to pay any am ount to any party
involved in the Accident ex cept after obtaining a prior written approval from the Insurer.
C.Shall cooperate with the Insurer, and issue powers of attorney enabling the Insurer to carry out the pleading, defending
and settlem ent procedures on behalf of the Insured or the Driver, if the Insurer ex presses its desire to do so.
Shall, at the Insurer's ex pense, perform all actions required to guarantee the Insurer's right for recovering any of its due
entitlem ents from any other party, as a result of indem nity paid in accordance with the Policy.
E.Shall inform the concerned entities in case of theft or any other crim inal act, and shall cooperate with the Insurer in
securing the conviction of the offender.
Fraud
All rights arising from the Policy shall be forfeited if the Claim involves fraud, or if the Insureds or the Driver adopts
fraudulent ways or m ethods to gain benefit under this Policy, or if the liability or dam age resulted from a deliberate act by or
collusion with, the Insureds, the Driver, or others. The Insurer has the right of recover against any party found to be
responsible for such fraud, whether as a conspirator or an accom plice.

Exclusions :
1.A Motor Vehicle found to be driven by a person who does not hold a valid license corresponding to the type of vehicle
driven, according to the relevant laws and regulations, or in the event that an order is issued by a concerned authority for the
forfeiture of the Driver’s license, or if the license was ex pired at the tim e of the Accident unless it was renewed within (50)
business days from the date of the Accident.
2.The Deductible am ount stated in the Policy Schedule.
3.Any driver less than 18 years.
4.Consequential loss or denial of usage.
5.Manufacturing defects and dam ages resulting due to the usage of the Motor Vehicle or from m echanical or electrical
m alfunctions.
6.Dam age, loss or theft of tires, rim s, and/or hubcaps (wheel covers), unless such loss or dam age occurred thereto at the
tim e of the covered Accident.
7.Death or physical injury to the Insured or the Driver.
8.Personal Accident Benefits (Driver and or Passenger) unless chosen by insured as additional coverage at quotation stage
or later during policy period.
9.Replacem ent Car unless chosen by insured as additional coverage at quotation stage or later during policy period.
10.Loss or dam age to goods and/or personal belongings while being loaded, unloaded or transported in or on the Motor
Vehicle.
11.Loss or dam age to any trailer unless ex pressly stated otherwise in the Policy Schedule.
12.Loss or dam age to a Motor Vehicle as a result of theft or attem pt theft due to leaving the Motor Vehicle running or
abandoning the k eys inside of it, or due to not shutting down the windows or closing the doors.
13.All additional Motor Vehicle’s accessories, apart from those already fitted by the m anufacturer and whose price is already
included in the original price of the Motor Vehicle, unless the type and value of such accessories are ex plicitly and specifically
 stated in the Policy Schedule.
14.If the Motor Vehicle is used in contravention to restrictions set forth in the Policy Schedule.
15.Carrying passengers beyond the perm itted loading capacity of the Motor Vehicle or overloaded; if it is proven that the
Accident was caused by such violation.
16.If the Motor Vehicle is used for any type of racing or for acceleration, endurance or speed testing.
17.A Motor Vehicle driven by a person under the influence of drugs, alcohol, or m edicines which m edically prohibit driving
after tak ing it.
18.If the Motor Vehicle is being used or operated as work ing m achinery.
19.Car drifting, running a red light or driving against direction of traffic if it is proven that this was the cause of the Accident
according to the report prepared by the authorized entity of traffic Accidents.
20.A Motor Vehicle driven in areas that are norm ally off-lim its to the public, such as airports or seaports.
21.Any liabilities or costs that were directly or indirectly incurred due to crim inal and hostile acts com m itted by the Insureds
and/or the Driver.
22.If the Driver escapes the scene of the Accident for no acceptable justification.
23.If it is proven in the report prepared by the authorized entity attending traffic Accidents that the Accident was caused
deliberately by the Insured or the Driver.
24.Subm itting inaccurate inform ation or concealing m aterial facts in the insurance coverage request.
25.Accidents occurring outside the territorial borders of the Kingdom of Saudi Arabian.
26.Any liability or ex penses arising, directly or indirectly, from the following:
A.W ar, invasion, acts of foreign enem y, hostilities, warlik e acts (whether war is declared or not), or civil war.
B.Rebellion, m ilitary or popular uprising, insurgence, revolution, usurping authority, m artial laws, siege; or any events
or reasons leading to declaring or continuation of m artial laws, siege, or acts of vandalism and terrorism com m itted
by person(s) work ing individually or on behalf of or related to any terrorist organization. Terrorism shall m ean the use
of violence for political, intellectual, philosophical, racial, ethnic, social, or religious purposes. The use of violence
includes putting the public and/or a segm ent of it under panic condition, affecting and/or causing turm oil; intervening
in any operations and/or activities or policies related to the governm ent; or causing turbulence negatively affecting
the national econom y or any of its sectors.
C.Strik es, riots, or civil or labor unrest.
D.W hat has been caused, or contributed to, by nuclear weapons, ionizing radiations, radioactive contam ination due to
any nuclear fuel or waste, or contam ination due to nuclear fuel com bustion. For the purposes of this ex clusion,
com bustion shall include any nuclear fission.

Disclaimer : The Scope of Coverage, Standard Term s and Conditions, Standard Ex clusions and the General Conditions stated in this
schedule are all derived from the "Rules for Com prehensive Insurance of Motor Vehicles Financially Leased to Individuals"
published by SAMA on 02/12/1441H. In case of any unintentional discrepancy and/ or typing m istak e and/ or contradiction
the ultim ate and final reference will be the original circular published by SAMA on the m entioned date.
 Saudi Arabian Monetary Authority Rules for ‫ﺿﻮاﺑﻂ اﻟﺘﺄ ﻣﯿ ﻦ اﻟﺸﺎ ﻣﻞ ﻋﻠ ﻰ اﻟ ﻤﺮﻛﺒﺎت اﻟ ﻤﺆﺟﺮة ﺗ ﻤﻮﻳﻠﯿًﺎ ﻟ ﻸﻓﺮاد‬
Comprehensive Insurance of Motor Vehicles
Financially Leased to Individuals
‫ﺑﺤﺴﺐ ﺗﻌﻠﯿ ﻤﺎت ﻣﺆ ﺳﺴ ﺔ اﻟﻨﻘﺪ اﻟﻌﺮﺑﻲ اﻟﺴﻌﻮد ي‬
Purpose: :‫اﻟﻐﺮض‬
The objective of these Rules is to regulate the relationship between the
‫ﺗ ﮫﺪ ف ھﺬه اﻟ ﻀﻮاﺑﻂ إﻟﻰ ﺗ ﻨﻈ ﯿﻢ اﻟﻌﻼﻗﺔ ﺑ ﯿ ﻦ ﺟ ﮫﺎت اﻟ ﺘﻤﻮﻳﻞ وﻋﻤﻼﺋ ﮫﺎ اﻷﻓﺮا د ﻓ ﯿﻤﺎ ﻳ ﺘﻌ ﻠﻖ ﺑﺎﻟ ﺘﺄﻣ ﯿ ﻦ ﻋ ﻠﻰ‬
financing entities and their individual custom ers with regard to the insurance
.‫اﻟﻤﺮﻛ ﺒﺎت اﻟﻤﺆ ﺟﺮة ﺗﻤﻮﻳ ﻠ ﯿًﺎ‬
coverage on the financially leased vehicles.
Definitions:
:‫اﻟﺘﻌﺮﻳﻔﺎت‬
For the purpose of applying the provisions of these Rules, the following term s
‫ اﻟﻤﻌﺎﻧﻲ‬- ‫أﻳ ﻨﻤﺎ و ر دت ﻓﻲ ھﺬه اﻟ ﻀﻮاﺑﻂ‬- ‫ﻟﻐﺮ ض ﺗﻄ ﺒ ﯿﻖ أ ﺣﻜﺎم ھﺬه اﻟ ﻀﻮاﺑﻂ ؛ ﻳﻘ ﺼﺪ ﺑﺎﻷﻟﻔﺎظ واﻟﻌ ﺒﺎ رات اﻵﺗ ﯿﺔ‬
and phrases, wherever m entioned herein, shall have the m eanings assigned
: ‫ ﻣﺎ ﻟﻢ ﻳﻘ ﺘ ﺾ اﻟ ﺴ ﯿﺎ ق ﺧﻼ ف ذﻟﻚ‬، ‫اﻟﻤ ﺒ ﯿ ّﻨﺔ أﻣﺎم ﻛﻞ ﻣ ﻨ ﮫﺎ‬
thereto, unless the contex t otherwise requires:
1. SA MA : The Saudi Arabian Monetary Authority. .‫ ﻣﺆﺳ ﺴﺔ اﻟ ﻨﻘﺪ اﻟﻌﺮﺑﻲ اﻟ ﺴﻌﻮ د ي‬:‫ اﻟ ﻤ ﺆﺳﺴ ﺔ‬-1
2. Rules: The Rules for Com prehensive Insurance of Motor Vehicles Financially
.‫ ﺿﻮاﺑﻂ اﻟ ﺘﺄﻣ ﯿ ﻦ اﻟ ﺸﺎﻣﻞ ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒﺎت اﻟﻤﺆ ﺟﺮة ﺗﻤﻮﻳ ﻠ ﯿًﺎ ﻟﻸﻓﺮا د‬:‫ اﻟﻀ ﻮاﺑ ﻂ‬-2
Leased to Individuals.
3. Insurer: The Insurance Com pany licensed to practice Motor Vehicle
.‫ ﺷﺮﻛﺔ اﻟ ﺘﺄﻣ ﯿ ﻦ اﻟﻤﺮ ﺧ ﺺ ﻟ ﮫﺎ ﺑﻤﻤﺎ رﺳﺔ ﻧ ﺸﺎط ﺗﺄﻣ ﯿ ﻦ اﻟﻤﺮﻛ ﺒﺎت‬:‫ اﻟﺸﺮ ﻛ ﺔ‬-3
Insurance.
4. Insureds: The Lessor and the Lessee identified in the Policy Schedule. . ‫ اﻟﻤﺆ ﺟﺮ واﻟﻤ ﺴ ﺘﺄ ﺟﺮ اﻟﻤ ُﺒ ﯿ ّﻦ ﺑ ﯿﺎﻧﺎﺗ ﮫﻢ ﻓﻲ ﺟﺪول اﻟﻮﺛ ﯿﻘﺔ‬:‫ اﻟ ﻤ ﺆﱠﻣﻦ ﻟﮫﻢ‬-4
5. Lessor: The finance com panies or the bank s licensed to practice finance .‫ ﺷﺮﻛﺎت اﻟ ﺘﻤﻮﻳﻞ أو اﻟ ﺒ ﻨﻮك أ و اﻟﻤ ﺼﺎ ر ف اﻟﻤﺮ ﺧ ﺼﺔ ﺑﻤﻤﺎ رﺳﺔ ﻧ ﺸﺎط اﻹﻳﺠﺎ ر اﻟ ﺘﻤﻮﻳ ﻠﻲ‬:‫ اﻟ ﻤ ُﺆ ﺟﺮ‬-5
leasing.
6. Lessee: The beneficial owner of the leased Motor Vehicle according to the
.‫ ﻣﺎﻟﻚ اﻟﻤ ﻨﻔﻌﺔ ﻟ ﻠﻤﺮﻛ ﺒﺔ اﻟﻤﺆ ﺟﺮة ﺑﻤﻮ ﺟﺐ ﻋﻘﺪ اﻹﻳﺠﺎ ر اﻟ ﺘﻤﻮﻳ ﻠﻲ‬: ‫ اﻟﻤ ﺴ ﺘﺄ ﺟﺮ‬- 6
finance lease contract.
7. First Beneficiary: The Lessee, being the beneficial owner, in the event of
.‫ ﺑ ﺼﻔ ﺘﻪ ﻣﺎﻟﻚ اﻟﻤ ﻨﻔﻌﺔ‬، ‫ اﻟﻤ ﺴ ﺘﺄ ﺟﺮ ﻓﻲ ﺣﺎﻟﺔ اﻟ ﮫﻼك اﻟﺠﺰﺋﻲ‬:‫ اﻟ ﻤﺴﺘﻔﯿﺪ اﻷو ل‬-7
Partial Loss or Dam age.
8. Second Beneficiary: The Lessor, being the owner of the Motor Vehicle, in
.‫ ﺑ ﺼﻔ ﺘﻪ ﻣﺎﻟﻚ اﻟﻤﺮﻛ ﺒﺔ‬، ‫ اﻟﻤﺆ ﺟﺮ ﻓﻲ ﺣﺎﻟﺔ اﻟ ﮫﻼك اﻟﻜ ﻠﻲ‬:‫ اﻟ ﻤﺴﺘﻔﯿﺪ اﻟﺜﺎﻧﻲ‬-8
the event of Total Loss.
9. The Unified Comprehensive Insurance Policy for Motor Vehicles Financially
Leased to Individuals (the “Policy”): The insurance Policy m entioned in : ‫ اﻟﺼﯿﻐ ﺔ اﻟﻨ ﻤ ﻮذ ﺟﯿ ﺔ ﻟ ﻮﺛﯿﻘ ﺔ اﻟﺘﺄﻣﯿﻦ اﻟﺸﺎﻣﻞ ﻋﻠﻰ اﻟ ﻤﺮ ﻛﺒﺎت اﻟ ﻤ ﺆ ﺟﺮة ﺗ ﻤ ﻮﻳﻠﯿًﺎ ﻟﻸﻓﺮاد “اﻟ ﻮﺛﯿﻘ ﺔ‬-9
section two of these Rules, whereby an Insurer undertak es to indem nify the ‫ و اﻟ ﺘﻲ ﺗ ﺘﻌ ﮫﺪ ﺑﻤﻘ ﺘ ﻀﺎ ھﺎ اﻟ ﺸﺮﻛﺔ ﺑﺄ ن‬، ‫" ﺻ ﯿﻐﺔ وﺛ ﯿﻘﺔ اﻟ ﺘﺄﻣ ﯿ ﻦ اﻟﻤﺪ ر ﺟﺔ ﻓﻲ اﻟﻔ ﺼﻞ اﻟ ﺜﺎﻧﻲ ﻣ ﻦ ھﺬه اﻟ ﻀﻮاﺑﻂ‬
beneficiaries of the insurance coverage in the event of dam age or loss ، ‫ﺗﻌﻮ ض اﻟﻤ ﺴ ﺘﻔ ﯿﺪﻳ ﻦ ﻣ ﻦ اﻟ ﺘﻐﻄ ﯿﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﻋ ﻨﺪ ﺣﺪوث ﺿﺮ ر أو ﺧ ﺴﺎ رة ﻧﺎﺗﺠﺔ ﻋ ﻦ ﺧﻄﺮ ﻣﻐﻄﻰ ﺑﺎﻟﻮﺛ ﯿﻘﺔ‬
resulted of a risk covered under the Policy for a Prem ium paid by the ‫ وﺗ ﺸﻤﻞ اﻟﻮﺛ ﯿﻘﺔ ط ﻠﺐ اﻟ ﺘﺄﻣ ﯿ ﻦ واﻟ ﺸﺮوط واﻷ ﺣﻜﺎم‬، ‫ﻣﻘﺎﺑﻞ اﻟﻘ ﺴﻂ اﻟ ﺘﺄﻣ ﯿ ﻨﻲ اﻟﺬ ي ﻳﺪﻓﻌﻪ اﻟﻤﺆﱠﻣ ﻦ ﻟ ﮫﻢ‬
Insureds. This Policy shall include the insurance coverage request, provisions ‫واﻻﺳ ﺘ ﺜ ﻨﺎءات 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
and conditions, ex clusions, Policy Schedule and Appendix es (if any) which .‫ھﺬه اﻟ ﻀﻮاﺑﻂ‬
shall com ply with all the provisions set forth under these Rules.
10. Motor Vehicle: The insured Motor Vehicle under the Policy, financially
.‫ اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﱠﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ ﺑﻤﻮ ﺟﺐ اﻟﻮﺛ ﯿﻘﺔ واﻟﻤﺆ ﺟﺮة ﺗﻤﻮﻳ ﻠ ﯿًﺎ ﻣ ﻦ ﻗ ﺒﻞ اﻟﻤﺆ ﺟﺮ ﻟ ﺼﺎﻟﺢ اﻟﻤ ﺴ ﺘﺄ ﺟﺮ‬:‫ اﻟ ﻤﺮ ﻛﺒ ﺔ‬-10
leased to the Lessee by the Lessor.
11. Driver: The person authorized to drive the Motor Vehicle and whose nam e
.‫ ھﻮ اﻟﻤ ﺼﺮح ﻟﻪ ﺑﻘ ﯿﺎ دة اﻟﻤﺮﻛ ﺒﺔ واﻟﻤﺪو ن اﺳﻤﻪ ﻓﻲ ﺟﺪول اﻟﻮﺛ ﯿﻘﺔ‬:‫ اﻟﺴﺎﺋ ﻖ‬-11
is stated in the Policy Schedule.
12. A ccident: An event wherein the insured Motor Vehicle sustains incidental
.‫ واﻗﻌﺔ أﻟﺤﻘﺖ ﺿﺮ ر أو ﺧ ﺴﺎ رة ﻋﺮ ﺿ ﯿﺔ ﺑﺎﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﱠﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ‬:‫ اﻟ ﺤﺎدث‬-12
dam age or loss.
13. Claim: A Claim for indem nity for dam age or loss caused by a risk covered
.‫ ط ﻠﺐ ﺗﻌﻮﻳ ﺾ ﻋ ﻦ اﻷ ﺿﺮا ر أو اﻟﺨ ﺴﺎﺋﺮ اﻟ ﻨﺎﺗﺠﺔ ﻋ ﻦ ﺧﻄﺮ ﻣﻐﻄﻰ ﺑﻤﻮ ﺟﺐ اﻟﻮﺛ ﯿﻘﺔ‬:‫ اﻟ ﻤ ﻄﺎﻟﺒ ﺔ‬-13
under the Policy.
Claimant: Any natural or juristic person or their legal representatives who ‫ اﻟﺬ ي ﻟﺤﻖ ﺑﻪ ﺿﺮ ر أو‬، ‫ اﻟ ﺸﺨ ﺺ اﻟﻄ ﺒ ﯿﻌﻲ أو اﻻﻋ ﺘ ﺒﺎ ر ي أو ﻣ ﻦ ﻳﻤ ﺜ ﻠ ﮫﻤﺎ ﻧﻈﺎﻣ ﯿًﺎ‬:‫ ﻣﻘﺪم اﻟ ﻤ ﻄﺎﻟﺒ ﺔ‬-14
sustained dam age or loss caused by risk covered under the Policy. .‫ﺧ ﺴﺎ رة ﻧﺎﺗﺞ ﻋ ﻦ ﺧﻄﺮ ﻣﻐﻄﻰ ﺑﻤﻮ ﺟﺐ اﻟﻮﺛ ﯿﻘﺔ‬
15. Premium: The am ount paid by the Insureds or their representatives to the ‫ ﻣﻘﺎﺑﻞ ﻣﻮاﻓﻘﺔ‬، ‫ ﻣ ﺒ ﻠﻎ اﻻﺷ ﺘﺮاك اﻟﺬ ي ﻳﺪﻓﻌﻪ اﻟﻤﺆﱠﻣ ﻦ ﻟ ﮫﻢ أو ﻣ ﻦ ﻳ ﻨﻮب ﻋ ﻨ ﮫﻢ ﻟ ﻠ ﺸﺮﻛﺔ‬:‫ اﻟﻘﺴ ﻂ اﻟﺘﺄﻣﯿﻨﻲ‬-15
Insurer in ex change for the Insurer’s agreem ent to indem nify for dam age or ‫اﻟ ﺸﺮﻛﺔ ﻋ ﻠﻰ اﻟ ﺘﻌﻮﻳ ﺾ ﻋ ﻦ اﻟ ﻀﺮ ر أو اﻟﺨ ﺴﺎ رة اﻟ ﺘﻲ ﻳﻜﻮ ن اﻟ ﺴ ﺒﺐ اﻟﻤ ﺒﺎﺷﺮ ﻓﻲ وﻗﻮﻋ ﮫﺎ ﺧﻄﺮ ﻣﻐﻄﻰ ﺑﻤﻮ ﺟﺐ‬
loss resulting directly from a risk covered under the Policy. .‫اﻟﻮﺛ ﯿﻘﺔ‬
16. A ctual A mount of Premium: The Policy price before applying the
‫ ﺗ ﺴﻌ ﯿﺮة وﺛ ﯿﻘﺔ اﻟ ﺘﺄﻣ ﯿ ﻦ دو ن ﺗﻄ ﺒ ﯿﻖ اﻟﺨ ﺼﻮﻣﺎت اﻟﻤ ﺴ ﺘﺤﻘﺔ‬:‫ اﻟﻘﯿ ﻤ ﺔ اﻷﺳﺎﺳﯿ ﺔ ﻟﻠﻘﺴ ﻂ اﻟﺘﺄﻣﯿﻨﻲ‬-16
individuals’ eligible discounts based on the underwriting instructions issued by
.‫ﻟﻸﻓﺮا د ﺑ ﻨﺎًء ﻋ ﻠﻰ ﺗﻌ ﻠ ﯿﻤﺎت اﻻﻛ ﺘ ﺘﺎب اﻟ ﺼﺎ د رة ﻋ ﻦ اﻟﻤﺆﺳ ﺴﺔ‬
SAMA.
17. Discounts: No claim s discount and loyalty discount, indicated in SAMA’s ‫ ﺧ ﺼﻢ ﻋﺪم و ﺟﻮ د ﻣﻄﺎﻟ ﺒﺎت أ و ﺧ ﺼﻢ اﻟﻮﻻء اﻟﻤ ﺒ ﯿ ﻨﺔ ﻓﻲ ﺗﻌ ﻠ ﯿﻤﺎت اﻻﻛ ﺘ ﺘﺎب اﻟ ﺼﺎ د رة ﻋ ﻦ‬:‫ اﻟ ﺨﺼ ﻮﻣﺎت‬-17
underwriting guidelines. .‫اﻟﻤﺆﺳ ﺴﺔ‬
18. Sum Insured: The value of the Motor Vehicle upon subm ission of the
‫ وﺗﻮاﻓﻖ ﻋ ﻠ ﯿ ﮫﺎ اﻟ ﺸﺮﻛﺔ وُﺗﺤﺪ د ﻓﻲ ﺟﺪول‬، ‫ ﻗ ﯿﻤﺔ اﻟﻤﺮﻛ ﺒﺔ ﻋ ﻨﺪ ﺗﻘﺪﻳﻢ ط ﻠﺐ اﻟ ﺘﺄﻣ ﯿ ﻦ‬:‫ اﻟﻘﯿ ﻤ ﺔ اﻟﺘﺄﻣﯿﻨﯿ ﺔ‬-18
insurance coverage request approved by the Insurer and identified in the
.‫اﻟﻮﺛ ﯿﻘﺔ‬
Policy Schedule.
19. Material Change: Any change that leads to an increase in the lik elihood or ‫ اﻟ ﺘﻐ ﯿ ﯿﺮ اﻟﺬ ي ﻳﺆ د ي إﻟﻰ زﻳﺎ دة ﻧ ﺴ ﺒﺔ ا ﺣ ﺘﻤﺎل وﻗﻮع اﻟﺨﻄﺮ أو ﻳﺆ د ي إﻟﻰ زﻳﺎ دة‬:‫ اﻟﺘﻐﯿﯿﺮ اﻟ ﺠ ﻮھﺮ ي‬-19
m agnitude of risk . .‫ﺟ ﺴﺎﻣ ﺘﻪ‬
20. Insurance Form: The application that is being filled while contracting
between the Lessor and Lessee; which includes the details and inform ation of ‫ ﻧﻤﻮ ذج ﻳ ﺘﻢ ﺗﻌ ﺒ ﺌ ﺘﻪ ﻋ ﻨﺪ اﻟ ﺘﻌﺎﻗﺪ ﺑ ﯿ ﻦ اﻟﻤﺆ ﺟﺮ واﻟﻤ ﺴ ﺘﺄ ﺟﺮ ﻳ ﺘ ﻀﻤ ﻦ ﺑ ﯿﺎﻧﺎت وﻣﻌ ﻠﻮﻣﺎت‬:‫ ﻧ ﻤ ﻮذج اﻟﺘﺄﻣﯿﻦ‬-20
the Insureds along with the Additional Benefits requested by the Lessee, the ‫ وﻣﻌ ﻠﻮﻣﺎت اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺰﻣﻊ‬، ‫اﻟﻤﺆّﻣ ﻦ ﻟ ﮫﻢ )اﻟﻤﺆ ﺟﺮ واﻟﻤ ﺴ ﺘﺄ ﺟﺮ ( واﻟﻤ ﻨﺎﻓﻊ اﻹ ﺿﺎﻓ ﯿﺔ اﻟ ﺘﻲ ﻳﺮﻏﺐ ﺑ ﮫﺎ اﻟﻤ ﺴ ﺘﺄ ﺟﺮ‬
details of the Motor Vehicle to be insured, the Sum Insured and its yearly ‫ وأ ي ﺑ ﯿﺎﻧﺎت إ ﺿﺎﻓ ﯿﺔ ﻻ زﻣﺔ ﻟ ﯿ ﺘﻢ ﺗ ﺴﻌ ﯿﺮ اﻟﻮﺛ ﯿﻘﺔ‬، ‫ واﻟﻘ ﯿﻤﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ وﻧ ﺴ ﺒﺔ ﺗ ﻨﺎﻗ ﺼ ﮫﺎ اﻟ ﺴ ﻨﻮﻳﺔ‬، ‫اﻟ ﺘﺄﻣ ﯿ ﻦ ﻋ ﻠ ﯿ ﮫﺎ‬
depreciation and any other inform ation needed for pricing the Policy, to be .‫وﻳ ﺘﻢ اﻻﺳ ﺘ ﻨﺎ د ﻋ ﻠ ﯿﻪ ﻋ ﻨﺪ ط ﻠﺐ اﻟ ﺘﺄﻣ ﯿ ﻦ ﻣ ﻦ اﻟ ﺸﺮﻛﺔ‬، ‫ﻋ ﻠﻰ أﺳﺎﺳ ﮫﺎ‬
relied upon when requesting the insurance coverage from the Insurer.
21. Policy Schedule: The schedule attached to the Policy that form s an integral
‫ وﻳﺤ ﺘﻮ ي ﻋ ﻠﻰ اﻟﻤﻌ ﻠﻮﻣﺎت‬، ‫ اﻟﺠﺪول اﻟﺬ ي ﻳﺮﻓﻖ ﺑﺎﻟﻮﺛ ﯿﻘﺔ وﻳﻌ ﺘ ﺒﺮ ﺟﺰءاً ﻻ ﻳ ﺘﺠﺰأ ﻣ ﻨ ﮫﺎ‬:‫ ﺟﺪو ل اﻟ ﻮﺛﯿﻘ ﺔ‬-21
part thereof. It contains the inform ation of the Insureds and the authorized
‫ وﻣ ﺒ ﻠﻎ‬، ‫ واﻟﻘ ﯿﻤﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ‬، ‫ وﻣﺪة اﻟ ﺘﻐﻄ ﯿﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ‬، ( ‫اﻟﺨﺎ ﺻﺔ ﺑﺎﻟﻤﺆّﻣ ﻦ ﻟ ﮫﻢ واﻟ ﺴﺎﺋﻘ ﯿ ﻦ اﻹ ﺿﺎﻓ ﯿ ﯿ ﻦ )إ ن و ﺟﺪوا‬
Drivers (if any), term of coverage, Sum Insured, Prem ium , details of the
. ( ‫ وﺗﻔﺎ ﺻ ﯿﻞ اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ و ﺣﺪو د اﻟ ﺘﻐﻄ ﯿﺔ واﻟﻤ ﻨﺎﻓﻊ اﻹ ﺿﺎﻓ ﯿﺔ )إ ن و ﺟﺪت‬، ‫اﻟﻘ ﺴﻂ اﻟ ﺘﺄﻣ ﯿ ﻨﻲ‬
insured Motor Vehicle, lim its of coverage, and Additional Benefits (if any).
22. Partial Loss: The destruction or dam age of parts of the Motor Vehicle that
‫وﺑﻤﺎ ﻻ ﻳ ﺘﺠﺎو ز اﻟﺤﺪ‬، ‫ ﺗ ﻠﻒ أو ﺗ ﻀﺮ ر أ ﺟﺰاء ﻣ ﻦ اﻟﻤﺮﻛ ﺒﺔ ﺑﻤﺎ ﻳ ﻨﻘ ﺺ أو ﻳﻤ ﻨﻊ اﻻﻧ ﺘﻔﺎع ﺑ ﮫﺎ‬:‫ اﻟﮫﻼ ك اﻟ ﺠﺰﺋﻲ‬-22
would reduce or prevent the benefit thereof, without ex ceeding the m inim um .‫اﻷ دﻧﻰ ﻟ ﻠﺨ ﺴﺎ رة أو اﻟ ﺘ ﻠﻒ اﻟﻜ ﻠﻲ اﻟﻤﺤﺪ د ﻣ ﻦ اﻟﺠ ﮫﺔ اﻟﻤﺨ ﺘ ﺼﺔ ﻓﻲ ﺗﻘﺪﻳﺮ أ ﺿﺮا ر اﻟﻤﺮﻛ ﺒﺎت‬
lim it of Total Loss set by the authorized entity in auto dam ages’ appraisal.
23. Total Loss: Full Loss or destruction of the Motor Vehicle, that the rendition ‫ ھﻮ اﻟﻔﻘﺪ أو اﻟ ﺘ ﻠﻒ اﻟﻜ ﻠﻲ ﻟ ﻠﻤﺮﻛ ﺒﺔ ﺑﺤ ﯿﺚ ﻳﻜﻮ ن إ ﺻﻼح اﻟﻤﺮﻛ ﺒﺔ ﻏ ﯿﺮ ﻣﺠﺪ ي ﻣ ﻦ اﻟ ﻨﺎ ﺣ ﯿﺔ‬:‫ اﻟﮫﻼ ك اﻟﻜﻠﻲ‬-23
of repairs is technically unfeasible or econom ically costly, according to the ‫اﻟﻔ ﻨ ﯿﺔ أو ﻣﻜ ﻠﻒ ﻣ ﻦ اﻟ ﻨﺎ ﺣ ﯿﺔ اﻻﻗ ﺘ ﺼﺎ دﻳﺔ ﺣ ﺴﺐ اﻟﻤﻌﺎﻳ ﯿﺮ اﻟﻤﻌ ﺘﻤﺪة ﻣ ﻦ اﻟﺠ ﮫﺔ اﻟﻤﺨ ﺘ ﺼﺔ ﻓﻲ ﺗﻘﺪﻳﺮ ا ﺿﺮا ر‬
standards set by the authorized entity in auto dam ages’ appraisal. .‫اﻟﻤﺮﻛ ﺒﺎت‬
24. Deductible: The am ount borne by the Lessee for every dam age or loss ‫ ﻣ ﺒ ﻠﻎ ﻳ ﺘﺤﻤ ﻠﻪ اﻟﻤ ﺴ ﺘﺄ ﺟﺮ ﻣ ﻦ ﻗ ﯿﻤﺔ ﻛﻞ ﺿﺮ ر أو ﺧ ﺴﺎ رة ﻧﺎﺗﺠﺔ ﻋ ﻦ ﺧﻄﺮ ﻣﻐﻄﻰ ﺑﻤﻮ ﺟﺐ‬:‫ ﻣﺒﻠﻎ اﻟﺘ ﺤ ﻤﻞ‬-24
associated with a risk covered under the Policy. .‫اﻟﻮﺛ ﯿﻘﺔ‬
25. Lessee Insurance A ccount: The account created by the Lessor and
‫ وُﻳﻮ ﺿﺢ ﻓ ﯿﻪ‬، ‫ ھﻮ ﺳﺠﻞ ُﻳ ﻨ ﺸ ﺌﻪ اﻟﻤﺆ ﺟﺮ وُﻳ ﻠﺤﻖ ﺑﻌﻘﺪ اﻟ ﺘﺄ ﺟ ﯿﺮ اﻟ ﺘﻤﻮﻳ ﻠﻲ‬:‫ ﺣﺴﺎب اﻟ ﻤﺴﺘﺄ ﺟﺮ اﻟﺘﺄﻣﯿﻨﻲ‬-25
endorsed to the finance leasing contract, which states the paid am ounts to the ‫ﻗ ﯿﻤﺔ اﻟﻤ ﺒﺎﻟﻎ اﻟﻤﺪﻓﻮﻋﺔ ﻟ ﻠ ﺸﺮﻛﺔ ﻛﺄﻗ ﺴﺎط اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ وﻣﺎ ﺗﻢ ﺣ ﺴﺎﺑﻪ ﻋ ﻠﻰ اﻟﻤ ﺴ ﺘﺄ ﺟﺮ ﻣﻘﺎﺑﻞ اﻟ ﺘﺄﻣ ﯿ ﻦ ﻋ ﻠﻰ‬
Insurer as Prem ium and what was withdraw from the lessee for the Motor - ‫ اﻟﻤ ﺘﻌ ﻠﻘﺔ ﺑﺎﻟ ﺘﺄﻣ ﯿ ﻦ‬- ‫ ﺑ ﮫﺪ ف ﺗ ﺼﻔ ﯿﺔ اﻟﻤ ﺒﺎﻟﻎ ﻓ ﯿﻤﺎ ﺑ ﯿ ﻨ ﮫﻤﺎ‬، ‫اﻟﻤﺮﻛ ﺒﺔ ﺣ ﺴﺐ اﻷ ﺣﻜﺎم اﻟﻮا ر دة ﻓﻲ ھﺬه اﻟ ﻀﻮاﺑﻂ‬
Vehicle’s insurance in accordance to these Rules. for the purpose of liquidation .‫ﻋ ﻨﺪ اﻧ ﺘ ﮫﺎء اﻟﻌﻼﻗﺔ اﻟ ﺘﻌﺎﻗﺪﻳﺔ اﻟ ﺘﻤﻮﻳ ﻠ ﯿﺔ‬
at the end of the leasing contract.
26. A dditional Benefits: Any additional insurance coverage requested to be
‫ ھﻲ اﻟ ﺘﻐﻄ ﯿﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ اﻟ ﺘﻲ ﻳﻄ ﻠﺐ اﻟﻤ ﺴ ﺘﺄ ﺟﺮ إ ﺿﺎﻓ ﺘ ﮫﺎ ﻟ ﻠ ﺘﻐﻄ ﯿﺔ اﻷﺳﺎﺳ ﯿﺔ وﻳﺪﻓﻊ‬:‫ اﻟ ﻤﻨﺎﻓﻊ اﻹﺿﺎﻓﯿ ﺔ‬-26
added to the base coverage by the Lessee and for which ex tra Prem ium is
.‫ﻣﻘﺎﺑ ﻠ ﮫﺎ ﻗ ﺴﻂ ﺗﺄﻣ ﯿ ﻦ ا ﺿﺎﻓﻲ‬
paid.
27. Endorsement: An agreem ent between the Insurer and the Insureds
subsequent to the issuance of the Policy, whereby item s of coverage are ‫ ﺑﺈ ﺿﺎﻓﺔ أو ﺗﻌﺪﻳﻞ أو إﻟﻐﺎء‬، ‫ اﺗﻔﺎ ق ﺑ ﯿ ﻦ اﻟ ﺸﺮﻛﺔ واﻟﻤﺆّﻣ ﻦ ﻟ ﮫﻢ ﻻ ﺣﻖ ﻋ ﻠﻰ إ ﺻﺪا ر اﻟﻮﺛ ﯿﻘﺔ‬:‫ اﻟ ﻤﻠ ﺤ ﻖ‬-27
added to, am ended, or rem oved on top of the basic coverage and which .‫ وﻳﺠﺐ أ ن ﻳﻜﻮ ن ﻣﺮﻓًﻘﺎ ﺑﺎﻟﻮﺛ ﯿﻘﺔ وﻳﻌ ﺘ ﺒﺮ ﺟﺰًءا ﻻ ﻳ ﺘﺠﺰأ ﻣ ﻨ ﮫﺎ‬، ‫ﺗﻐﻄ ﯿﺎت إ ﺿﺎﻓ ﯿﺔ ﻋ ﻠﻰ اﻟ ﺘﻐﻄ ﯿﺎت اﻷﺳﺎﺳ ﯿﺔ‬
should be attached to the Policy and deem ed an integral part thereof.
Comprehensive Insurance Policy for Motor Vehicles Financially Leased to ‫وﺛﯿﻘ ﺔ اﻟﺘﺄﻣﯿﻦ اﻟﺸﺎﻣﻞ ﻋﻠﻰ اﻟ ﻤﺮ ﻛﺒﺎت اﻟ ﻤ ﺆ ﺟﺮة ﺗ ﻤ ﻮﻳﻠﯿًﺎ ﻟﻸﻓﺮاد‬
Individuals
The Policy shall be treated as individual insurance policies regarding -for ‫ﻋ ﻨﺪ اﻟ ﺘ ﺴﻌ ﯿﺮ‬، ‫ﻣ ﻦ ذﻟﻚ ﻋ ﻠﻰ ﺳ ﺒ ﯿﻞ اﻟﻤ ﺜﺎل ﻻ اﻟﺤ ﺼﺮ‬، ‫ُﺗﻌﺎﻣﻞ اﻟﻮﺛ ﯿﻘﺔ ﻣﻌﺎﻣ ﻠﺔ وﺛﺎﺋﻖ اﻟ ﺘﺄﻣ ﯿ ﻦ اﻟﺨﺎ ﺻﺔ ﺑﺎﻷﻓﺮا د‬
ex am ple but not lim ited to- pricing, eligible Discounts and Claim s settlem ent. .‫وﻣ ﻨﺢ اﻟﺨ ﺼﻮﻣﺎت اﻟﻤ ﺴ ﺘﺤﻘﺔ وﺗ ﺴﻮﻳﺔ اﻟﻤﻄﺎﻟ ﺒﺎت‬
The insurance coverage request that was com pleted and signed by the
insurance applicant or their legal representative shall form an integral part of ‫ﻳﻌﺪ ط ﻠﺐ اﻟ ﺘﺄﻣ ﯿ ﻦ اﻟﺬ ي ﺗﻢ ﺗﻌ ﺒ ﺌ ﺘﻪ وﺗﻮﻗ ﯿﻌﻪ ﻣ ﻦ ﻗ ﺒﻞ طﺎﻟﺐ اﻟ ﺘﺄﻣ ﯿ ﻦ أو ﻣ ﻦ ﻳﻤ ﺜ ﻠﻪ ﻧﻈﺎًﻣﺎ ﺟﺰًءا ﻻ ﻳ ﺘﺠﺰأ ﻣ ﻦ‬
the Policy; which contains the provisions, conditions, ex clusions, coverage ‫اﻟﻮﺛ ﯿﻘﺔ واﻟ ﺘﻲ ﺑﺪو ر ھﺎ ﺗ ﺸﻤﻞ أ ﺣﻜﺎم وﺷﺮوط واﺳ ﺘ ﺜ ﻨﺎءات و ﺣﺪو د اﻟ ﺘﻐﻄ ﯿﺔ إ ﺿﺎﻓﺔ اﻟﻰ ﺟﺪوﻟ ﮫﺎ وأ ي ﻣﻼ ﺣﻖ‬
lim its and schedule; and any Endorsem ent agreed upon, whether at the start .ً‫وﺗ ﺸﻜﻞ ﺟﻤ ﯿﻌ ﮫﺎ ﻋﻘﺪاً وا ﺣﺪا‬، ‫ُﻳ ﺘﻔﻖ ﻋ ﻠ ﯿ ﮫﺎ ﺳﻮاًء ﻓﻲ ﺑﺪاﻳﺔ اﻟ ﺘﻐﻄ ﯿﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ أو أﺛ ﻨﺎء ﺳﺮﻳﺎﻧ ﮫﺎ‬
of the insurance coverage or following its effectiveness.
Insurance Coverage Coverage under the Policy shall include loss or dam age ‫اﻟﺘﻐ ﻄﯿ ﺔ اﻟﺘﺄﻣﯿﻨﯿ ﺔ ﺗ ﺸﻤﻞ اﻟ ﺘﻐﻄ ﯿﺔ ﻓﻲ ھﺬه اﻟﻮﺛ ﯿﻘﺔ ﺗﻐﻄ ﯿﺔ اﻟﺨ ﺴﺎ رة أو اﻟ ﻀﺮ ر ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ‬
to the insured Motor Vehicle, and third party civil liability. .‫وﺗﻐﻄ ﯿﺔ اﻟﻤ ﺴﺆوﻟ ﯿﺔ اﻟﻤﺪﻧ ﯿﺔ ﺗﺠﺎه اﻟﻐ ﯿﺮ‬،
General Provisions ‫أ ﺣﻜﺎم ﻋﺎﻣﺔ‬
1. Scope of Coverage: :‫ ﻧ ﻄﺎق اﻟﺘﻐ ﻄﯿ ﺔ‬-1
The Insurer shall com pensate the beneficiary for loss or dam age to the Motor ‫ُﺗﻌﻮ ض اﻟ ﺸﺮﻛﺔ اﻟﻤ ﺴ ﺘﻔ ﯿﺪ ﻣ ﻦ اﻟ ﺘﻐﻄ ﯿﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﻋ ﻦ اﻟﺨ ﺴﺎ رة أو اﻟ ﻀﺮ ر ﻟ ﻠﻤﺮﻛ ﺒﺔ ﺑﺎﻹ ﺿﺎﻓﺔ إﻟﻰ ﻣ ﻠﺤﻘﺎﺗ ﮫﺎ‬
Vehicle, including any installed accessories, occurring due to any incident,
‫ أو‬، ‫اﻟ ﺜﺎﺑ ﺘﺔ ﻓ ﯿ ﮫﺎ ﻧ ﺘ ﯿﺠﺔ أ ي واﻗﻌﺔ أﻟﺤﻘﺖ ﺿﺮ ر أو ﺧ ﺴﺎ رة ﻋﺮ ﺿ ﯿﺔ ﺑﺎﻟﻤﺮﻛ ﺒﺔ وﺗ ﺸﻤﻞ ا ﺣ ﺘﺮا ق أو ﺳﺮﻗﺔ اﻟﻤﺮﻛ ﺒﺔ‬
including fire, theft or dam age resulting from lightening or natural disasters
.‫ وﻓﻖ ﺷﺮوط اﻟﻮﺛ ﯿﻘﺔ اﻟﻤﺬﻛﻮ رة أ دﻧﺎه‬، ‫اﻟ ﻀﺮ ر اﻟ ﻨﺎﺗﺞ ﻋ ﻦ اﻟ ﺒﺮ ق أ و اﻟﻜﻮا رث اﻟﻄ ﺒ ﯿﻌ ﯿﺔ ﻛﺎﻟ ﺴ ﯿﻮل واﻟ ﺒﺮ د‬
such as floods or hailstones, according to the Policy conditions provided below.
2. Maximum Indemnity Limit:
Partial Loss: The m ax im um indem nity lim it in case of Partial Loss or Dam age
is the cost of reinstatem ent of the Motor Vehicle, in addition to the costs of
:‫ اﻟ ﺤﺪ اﻷﻗﺼﻰ ﻟﻠﺘﻌ ﻮﻳﺾ‬-2
transportation and storage, after calculating the Deductible am ount and the
‫ إ ن اﻟﺤﺪ اﻷﻗ ﺼﻰ ﻟﻘ ﯿﻤﺔ اﻟ ﺘﻌﻮﻳ ﺾ ﻓﻲ ﺣﺎﻟﺔ اﻟﺨ ﺴﺎ رة أو اﻟ ﻀﺮ ر اﻟﺠﺰﺋﻲ ھﻮ ﺗﻜﺎﻟ ﯿﻒ إﻋﺎ دة‬:‫اﻟﮫﻼ ك اﻟ ﺠﺰﺋﻲ‬
depreciation rate if applicable, according to the conditions stated in the Policy,
‫ ﺑﻌﺪ ا ﺣ ﺘ ﺴﺎب ﻣ ﺒ ﻠﻎ اﻟ ﺘﺤﻤﻞ‬، ‫ إ ﺿﺎﻓًﺔ إﻟﻰ ﺗﻜﺎﻟ ﯿﻒ اﻟ ﻨﻘﻞ واﻟﺤﻔﻆ‬، ‫اﻟﻤﺮﻛ ﺒﺔ إﻟﻰ ﻣﺎ ﻛﺎﻧﺖ ﻋ ﻠ ﯿﻪ ﻗ ﺒﻞ وﻗﻮع اﻟﺤﺎ دث‬
and this am ount shall be determ ined by entities licensed to conduct vehicle ً‫ ﻋ ﻠﻰ أ ن ﻳ ﺘﻢ ﺗﺤﺪﻳﺪ ھﺬه اﻟﻘ ﯿﻤﺔ ﻣ ﻦ ﻗ ﺒﻞ اﻟﺠ ﮫﺎت اﻟﻤﺮ ﺧ ﺼﺔ ﻧﻈﺎﻣﺎ‬، ‫ﺣ ﺴﺐ اﻟ ﺸﺮوط اﻟﻤﺬﻛﻮ رة ﻓﻲ اﻟﻮﺛ ﯿﻘﺔ‬
dam age assessm ents. ‫ إ ن اﻟﺤﺪ اﻷﻗ ﺼﻰ ﻟﻤ ﺴﺆوﻟ ﯿﺔ اﻟ ﺸﺮﻛﺔ ﻓﻲ ﺣﺎﻟﺔ اﻟ ﮫﻼك اﻟﻜ ﻠﻲ‬:‫ اﻟﮫﻼ ك اﻟﻜﻠﻲ‬.‫ﺑ ﺘﻘﺪﻳﺮ أ ﺿﺮا ر ﺣﻮا دث اﻟﻤﺮﻛ ﺒﺎت‬
Total Loss: The Insurer’s m ax im um liability lim it in case of Total Loss shall not
‫وﺗﻌ ﺘ ﺒﺮ اﻟﻤﺮﻛ ﺒﺔ ﺧ ﺴﺎ رة أو ﺗ ﻠﻒ ﻛ ﻠﻲ إ ذا ﺗ ﺒ ﯿ ﻦ ﻣ ﻦ ﺗﻘﺪﻳﺮ اﻷ ﺿﺮا ر ﻋﺪم‬، ‫ﻟ ﻦ ﺗ ﺘﺠﺎو ز اﻟﻘ ﯿﻤﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﻟ ﻠﻤﺮﻛ ﺒﺔ‬
ex ceed the Sum Insured for the Motor Vehicle. The Motor Vehicle is deem ed ً‫ ﻋ ﻠﻰ أ ن ﻳ ﺘﻢ ﺗﺤﺪﻳﺪ ذﻟﻚ ﻣ ﻦ ﻗ ﺒﻞ اﻟﺠ ﮫﺎت اﻟﻤﺮ ﺧ ﺼﺔ ﻧﻈﺎﻣﺎ‬، ‫اﻟﺠﺪو ى اﻻﻗ ﺘ ﺼﺎ دﻳﺔ أو اﻟﻔ ﻨ ﯿﺔ ﻹ ﺻﻼح اﻟﻤﺮﻛ ﺒﺔ‬
as Total Loss or dam aged if the dam age assessm ent shows that the needed
. ‫ﺑ ﺘﻘﺪﻳﺮ أ ﺿﺮا ر ﺣﻮا دث اﻟﻤﺮﻛ ﺒﺎت‬
repairs are econom ically or technically infeasible, provided that such
assessm ent is conducted by entities licensed to conduct vehicle dam age
assessm ents.
3. Deductible:
a-In the event of Partial Loss or Dam age to the Motor Vehicle the
Insurer m ay charge the Deductible am ount specified in the Policy :‫ اﻟﺘ ﺤ ﻤﻞ‬-3
Schedule for each Claim .
‫ﻓﻲ ﺣﺎﻟﺔ وﻗﻮع ﺧ ﺴﺎ رة أو ﺿﺮ ر ﻟ ﻠﻤﺮﻛ ﺒﺔ ﻓ ﯿﺠﻮ ز ﻟ ﻠ ﺸﺮﻛﺔ ﺧ ﺼﻢ ﻣ ﺒ ﻠﻎ اﻟ ﺘﺤﻤﻞ اﻟﻤﺬﻛﻮ ر ﻓﻲ ﺟﺪول‬-a
b-The Insurer’s liability starts after the Deductible has been ex hausted,
.‫اﻟﻮﺛ ﯿﻘﺔ ﻋ ﻠﻰ ﻛﻞ ﻣﻄﺎﻟ ﺒﺔ‬
and this is only applicable to dam ages or losses occurring to the
‫ﺗ ﺒﺪأ ﻣ ﺴﺆوﻟ ﯿﺔ اﻟ ﺸﺮﻛﺔ ﺑﻌﺪ اﺳ ﺘ ﻨﻔﺎ ذ ﻣ ﺒ ﻠﻎ اﻟ ﺘﺤﻤﻞ اﻟﺬ ي ﻳﻄ ﺒﻖ ﻓﻘﻂ ﻋ ﻠﻰ اﻟ ﻀﺮ ر أو اﻟﺨ ﺴﺎ رة‬-b
insured Motor Vehicle, and it does not apply on claim s arising from civil
‫ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ وﻻ ﻳ ﻨﻄ ﺒﻖ ﻋ ﻠﻰ اﻟﻤﻄﺎﻟ ﺒﺎت اﻟ ﻨﺎﺗﺠﺔ ﻣ ﻦ ﺗﻐﻄ ﯿﺔ اﻟﻤ ﺴﺆوﻟ ﯿﺔ اﻟﻤﺪﻧ ﯿﺔ‬
liability coverage against third party. .‫ﺗﺠﺎه اﻟﻐ ﯿﺮ‬
c-The First Beneficiary shall not be charged a Deductible if the Lessee
‫ﻻ ﻳ ﺘﻢ ا ﺣ ﺘ ﺴﺎب ﻣ ﺒ ﻠﻎ اﻟ ﺘﺤﻤﻞ ﻋ ﻠﻰ اﻟﻤ ﺴ ﺘﻔ ﯿﺪ اﻷول ﻓﻲ ﺣﺎل ﻋﺪم ﺗﺤﻤ ﻠﻪ أو اﻟ ﺴﺎﺋﻖ اﻟﻤ ﺴﺆوﻟ ﯿﺔ‬-c
or the Driver were not held liable for the Accident, according to the
.‫ ﺣ ﺴﺐ ﺗﻘﺮﻳﺮ اﻟﺠ ﮫﺔ اﻟﻤ ﺒﺎﺷﺮة ﻟ ﻠﺤﺎ دث‬، ‫ﻋ ﻦ اﻟﺤﺎ دث‬
report prepared by the entity attending the Accident scene.
‫ ﻓ ﯿ ﺘﻢ‬، ‫ﻓﻲ ﺣﺎل ﺗﺤﻤﻞ اﻟﻤ ﺴ ﺘﻔ ﯿﺪ ا ﻷو ل أو اﻟ ﺴﺎﺋﻖ ﻧ ﺴ ﺒﺔ ﺟﺰﺋ ﯿﺔ ﻣ ﻦ اﻟﻤ ﺴﺆوﻟ ﯿﺔ ﻋ ﻦ اﻟﺤﺎ دث‬-d
d-In case the First Beneficiary or the Driver is held partially liable for
‫ا ﺣ ﺘ ﺴﺎب ﻧ ﺴ ﺒﺔ ﻣ ﺒ ﻠﻎ اﻟ ﺘﺤﻤﻞ ﺑﺎﻟ ﺘ ﻨﺎﺳﺐ ﻣﻊ ﻧ ﺴ ﺒﺔ ﻣ ﺴﺆوﻟ ﯿﺔ اﻟﻤ ﺴ ﺘﺄ ﺟﺮ أو اﻟ ﺴﺎﺋﻖ ﻋ ﻦ اﻟﺤﺎ دث‬
the Accident, the percentage of Deductible am ount shall be calculated
.‫ﻓ ﻘ ﻂ‬
as per the percentage of liability accounted for by the Lessee or the
.‫ﻻ ُﻳ ﻀﺎﻋﻒ ﻣ ﺒ ﻠﻎ اﻟ ﺘﺤﻤﻞ ﺑﺄ ي ﺣﺎل ﻣ ﻦ اﻷ ﺣﻮال ﻓﻲ اﻟﺤﺎ دث اﻟﻮا ﺣﺪ اﻟﻤﻐﻄﻰ ﺑﻤﻮ ﺟﺐ اﻟﻮﺛ ﯿﻘﺔ‬-e
Driver regarding the Accident only.
e.Under no circum stance shall the Deductible be m ultiplied within this
Policy for a single m otor Accident.

4. Storage and Transportation: The Insurer shall pay the ex penses incurred
by the Insureds when transporting the dam aged Motor Vehicle, due to an
Accident covered under the Policy, to a safe location, auto repair shop,
certified dealership, or to an assessm ent center in the case the vehicle was
im m obile. Such ex penses will be lim ited to a m ax im um of SAR (500) within
the city and SAR (1,000) outside the city; provided that the transportation
receipt is subm itted when filing the Claim .
6. Claim Settlement Procedures:
a-Either the First or the Second Beneficiary m ay file a Claim request to
the Insurer upon the occurrence of loss or dam age covered under the
Policy. The Insurer shall provide the Claim ant, within (3) business
days, with a notice ack nowledging receipt of the Claim and inform ing
them of any m issing docum ents. The Insurer m ay also appoint an
assessor or loss adjuster, if necessary, within a period not ex ceeding
(3) business days from receiving the Claim com pleted with all
docum ents, provided that the Insurer inform s the Claim ant of whether
the Claim is accepted or rejected, within (10) business days from the
date of filing the Claim com pleted with all docum ents.
b-If the Claim is accepted and deem ed to be Partial Loss, the Insurer
shall approve repairing the insured Motor Vehicle at the respective
certified dealership or the certified auto repair shops approved by the
Insurer (as specified in the Policy Schedule) within (5) business days,
ensuring that the First Beneficiary receives the Motor Vehicle after it has
been reinstated to its form er condition before the loss or dam age. The
Insurer shall also provide details regarding the due indem nity process
and what does it cover (the am ount of spare parts and labor charges).
c-If the insured Motor Vehicle is deem ed to be Total Loss, the Insureds
shall com pensate the Second Beneficiary with the Sum Insured
specified in the Policy Schedule - after calculating the Deductible, if any
- and inform the First Beneficiary of the am ount indem nified to the
Second Beneficiary via a reliable com m unication m eans. The Insurer
shall settle the Claim sustained under this Policy with integrity and
fairness, without any com prom ises, and within a m ax im um period of
‫ ﺗﻘﻮم اﻟ ﺸﺮﻛﺔ ﺑﺪﻓﻊ اﻟﻤ ﺼﺎ رﻳﻒ اﻟ ﺘﻲ ﺗﻜ ﺒﺪ ھﺎ اﻟﻤﺆﻣ ﻦ ﻟ ﮫﻢ ﻓﻲ ﺣﺎل ﻗ ﯿﺎﻣ ﮫﻢ ﺑ ﻨﻘﻞ اﻟﻤﺮﻛ ﺒﺔ‬:‫ اﻟ ﺤﻔ ﻆ واﻟﻨﻘﻞ‬-4
‫اﻟﻤ ﺘ ﻀﺮ رة ﻧ ﺘ ﯿﺠﺔ ﺣﺎ دث ﻣﻐﻄﻰ ﺑﻤﻮ ﺟﺐ اﻟﻮﺛ ﯿﻘﺔ إﻟﻰ ﻣﻜﺎ ن آﻣ ﻦ أو إﻟﻰ و رش اﻹ ﺻﻼح أو اﻟﻮﻛ ﯿﻞ اﻟﻤﻌ ﺘﻤﺪ‬
‫ ﷼ ﺧﺎ رج‬1000 ‫﷼ دا ﺧﻞ اﻟﻤﺪﻳ ﻨﺔ‬500 ‫ و ذﻟﻚ ﺑﺤﺪ أﻗ ﺼﻰ‬، ‫ﻟ ﻠﻤﺮﻛ ﺒﺔ أو ﻣﺮاﻛﺰ اﻟ ﺘﻘﺪﻳﺮ ﻓﻲ ﺣﺎﻟﺔ ﺗﻌﺬ ر ﺳ ﯿﺮ ھﺎ‬
.‫ ﺑ ﺸﺮط ﺗﻘﺪﻳﻢ ﻓﺎﺗﻮ رة اﻟ ﻨﻘﻞ ﻋ ﻨﺪ ﺗﻘﺪﻳﻢ اﻟﻤﻄﺎﻟ ﺒﺔ‬، ‫اﻟﻤﺪﻳ ﻨﺔ‬
:‫ إ ﺟﺮاءات ﺗﺴ ﻮﻳ ﺔ اﻟ ﻤ ﻄﺎﻟﺒﺎت‬-6
‫ﻳﺤﻖ ﻟ ﻠﻤ ﺴ ﺘﻔ ﯿﺪ اﻷول أو اﻟﻤ ﺴ ﺘﻔ ﯿﺪ اﻟ ﺜﺎﻧﻲ اﻟ ﺘﻘﺪم ﺑﻤﻄﺎﻟ ﺒﺔ اﻟ ﺸﺮﻛﺔ ﻋ ﻨﺪ ﺣﺪوث ﺧ ﺴﺎ رة أو ﺿﺮ ر‬.1
‫ وﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ ﺑﺄ ن ﺗﺰوّد ﻣﻘﺪﻣ ﮫﺎ ﺧﻼل )ﺛﻼﺛﺔ ( أﻳﺎم ﻋﻤﻞ ﺑﻤﺎ ﻳﻔ ﯿﺪ ﺑ ﺘ ﻠﻘﻲ‬، ‫ﻣﻐﻄﻰ ﺑﻤﻮ ﺟﺐ اﻟﻮﺛ ﯿﻘﺔ‬
‫وﻟ ﻠ ﺸﺮﻛﺔ ﺗﻌ ﯿ ﯿ ﻦ ﺧ ﺒ ﯿﺮ ﻣﻌﺎﻳ ﻨﺔ أو ﻣﻘﺪ ر ﺧ ﺴﺎﺋﺮ إ ذا ﻛﺎ ن ذﻟﻚ ﺿﺮو رﻳًﺎ‬، ‫اﻟﻤﻄﺎﻟ ﺒﺔ وإﻋﻼﻣﻪ ﺑﺄ ي ﻧﻮاﻗ ﺺ‬
، ‫ﺧﻼل ﻣﺪة زﻣ ﻨ ﯿﺔ ﻻ ﺗ ﺘﺠﺎو ز )ﺛﻼﺛﺔ ( أﻳﺎم ﻋﻤﻞ ﻣ ﻦ ﺗﺎ رﻳﺦ اﺳ ﺘﻼم اﻟﻤﻄﺎﻟ ﺒﺔ ﻣﻜ ﺘﻤ ﻠﺔ اﻟﻤ ﺴ ﺘ ﻨﺪات‬
‫ﻋ ﻠﻰ أ ن ﺗﻘﻮم اﻟ ﺸﺮﻛﺔ ﺧﻼل )ﻋ ﺸﺮة ( أﻳﺎم ﻋﻤﻞ ﻣ ﻦ ﺗﺎ رﻳﺦ ﺗﻘﺪﻳﻢ اﻟﻤﻄﺎﻟ ﺒﺔ ﻣﻜ ﺘﻤ ﻠﺔ اﻟﻤ ﺴ ﺘ ﻨﺪات‬
.‫ﺑﺈﺑﻼغ ﻣﻘﺪﻣ ﮫﺎ ﺑﻘ ﺒﻮل أو رﻓ ﺾ اﻟﻤﻄﺎﻟ ﺒﺔ‬
‫ ﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ ﺧﻼل ﺧﻤ ﺴﺔ أﻳﺎم ﻋﻤﻞ ﺑ ﺘﻌﻤ ﯿﺪ‬، ‫ﻓﻲ ﺣﺎل ﻗ ﺒﻮل اﻟﻤﻄﺎﻟ ﺒﺔ وا ﺣ ﺘ ﺴﺎﺑ ﮫﺎ ھﻼك ﺟﺰﺋﻲ‬.2
‫إ ﺻﻼح اﻟﻤﺮﻛ ﺒﺔ ﻟﺪ ى اﻟﻮﻛ ﯿﻞ اﻟﻤﻌ ﺘﻤﺪ ﻟ ﻠﻤﺮﻛ ﺒﺔ اﻟﻤﺆﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ أو اﻟﻮ رش اﻟﻤﻌ ﺘﻤﺪة ﻟﺪ ى اﻟ ﺸﺮﻛﺔ‬
‫) ﺣ ﺴﺐ ﻣﺎ ھﻮ ﻣﺤﺪ د ﻓﻲ ﺟﺪول اﻟﻮﺛ ﯿﻘﺔ ( ﺑﻤﺎ ﻳ ﻀﻤ ﻦ إﻋﺎ دﺗ ﮫﺎ إﻟﻰ اﻟﻤ ﺴ ﺘﻔ ﯿﺪ اﻷول ﺑﺤﺎﻟ ﺘ ﮫﺎ اﻟ ﺴﺎﺑﻘﺔ‬
‫ وﻋ ﻠﻰ اﻟ ﺸﺮﻛﺔ ﺗﻮ ﺿ ﯿﺢ آﻟ ﯿﺔ اﻟ ﺘﻌﻮﻳ ﺾ اﻟﻤ ﺴ ﺘﺤﻖ‬، ‫ﻟﻮﻗﻮع اﻟﺨ ﺴﺎ رة أو اﻟ ﻀﺮ ر اﻟﻤﻐﻄﻰ ﺑﻤﻮ ﺟﺐ اﻟﻮﺛ ﯿﻘﺔ‬
. ( ‫وﻛ ﯿﻔ ﯿﺔ اﻟ ﺘﻮ ﺻﻞ إﻟ ﯿﻪ )ﻗ ﯿﻤﺔ ﻗﻄﻊ اﻟﻐ ﯿﺎ ر وﻗ ﯿﻤﺔ أ ﺟﻮ ر اﻟ ﯿﺪ‬
‫ ﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ ﺑ ﺘﻌﻮﻳ ﺾ اﻟﻤ ﺴ ﺘﻔ ﯿﺪ اﻟ ﺜﺎﻧﻲ‬، ‫ﻓﻲ ﺣﺎل ا ﺣ ﺘ ﺴﺎب اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ ھﻼك ﻛ ﻠﻲ‬.3
‫ وإ ﺧﻄﺎ ر‬- ‫ ﺑﻌﺪ ا ﺣ ﺘ ﺴﺎب ﻣ ﺒ ﻠﻎ اﻟ ﺘﺤﻤﻞ إ ن و ﺟﺪ‬- ‫ﺑﺎﻟﻘ ﯿﻤﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ اﻟﻤﺤﺪ دة ﻓﻲ ﺟﺪول اﻟﻮﺛ ﯿﻘﺔ‬
، ‫اﻟﻤ ﺴ ﺘﻔ ﯿﺪ اﻷول ﺑﻤ ﺒ ﻠﻎ اﻟ ﺘﻌﻮﻳ ﺾ اﻟﻤﺪﻓﻮع ﻟ ﻠﻤ ﺴ ﺘﻔ ﯿﺪ اﻟ ﺜﺎﻧﻲ ﻋ ﻦ طﺮﻳﻖ وﺳ ﯿ ﻠﺔ اﺗ ﺼﺎل ﻣﻮﺛﻮﻗﺔ‬
‫وﻋ ﻠﻰ اﻟ ﺸﺮﻛﺔ ﺗ ﺴﻮﻳﺔ اﻟﻤﻄﺎﻟ ﺒﺔ اﻟﻤﻐﻄﺎة ﺑﻤﻮ ﺟﺐ اﻟﻮﺛ ﯿﻘﺔ ﺑﻜﻞ ﻧﺰا ھﺔ وﻋﺪاﻟﺔ و دو ن أ ي ﻣ ﺴﺎوﻣﺔ‬
‫ﺧﻼل ﻣﺪة أﻗ ﺼﺎ ھﺎ )ﻋ ﺸﺮة ( أﻳﺎم ﻋﻤﻞ ﻣ ﻦ ﺗﺎ رﻳﺦ اﻟﻤﻄﺎﻟ ﺒﺔ ﻣﻜ ﺘﻤ ﻠﺔ اﻟﻤ ﺴ ﺘ ﻨﺪات وﻳﺠﺐ ﻋ ﻠﻰ‬
.‫اﻟﻤ ﺴ ﺘﻔ ﯿﺪ اﻟ ﺜﺎﻧﻲ ﺗ ﺴ ﻠ ﯿﻢ ﺣﻄﺎم اﻟﻤﺮﻛ ﺒﺔ ﻟ ﻠ ﺸﺮﻛﺔ ﻓﻲ ﺣﺎل و ﺟﻮ ده‬
‫ﻳﺠﺐ ﻋ ﻠﻰ اﻟ ﺸﺮﻛﺔ ﺗﻌﻮﻳ ﺾ اﻟﻤ ﺴ ﺘﻔ ﯿﺪﻳ ﻦ ﺣ ﺴﺐ أ ﺣﻜﺎم وﺷﺮوط ھﺬه اﻟﻮﺛ ﯿﻘﺔ ﻓﻲ ﺣﺎل ﻛﺎ ن‬.4
‫ وﻳﺤﻖ ﻟ ﻠ ﺸﺮﻛﺔ اﻟﺮ ﺟﻮع ﻋ ﻠﻰ‬، ‫اﻟ ﻀﺮ ر أو اﻟﺨ ﺴﺎ رة ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ ﺗ ﺴ ﺒﺐ ﺑﻪ طﺮ ف ﺛﺎﻟﺚ‬
 (10) business days from the date of the Claim com pleted with all
docum ents. The Second Beneficiary shall deliver the Motor Vehicle
wreck age to the Insurer.
d-In the event of dam age or loss of the Motor Vehicle caused by a
third party, The Insurer shall com pensate beneficiaries in accordance to
these Rules. The Insurer has the right of recovery against the Insurer
of the third party whom caused the accident.
e-The Insurer shall prioritize the First Beneficiary in purchasing the
insured Motor Vehicle wreck age when its loss or dam age is deem ed as ‫ وﻳﺤﻖ ﻟ ﻠ ﺸﺮﻛﺔ اﻟﺮ ﺟﻮع ﻋ ﻠﻰ‬، ‫اﻟ ﻀﺮ ر أو اﻟﺨ ﺴﺎ رة ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ ﺗ ﺴ ﺒﺐ ﺑﻪ طﺮ ف ﺛﺎﻟﺚ‬
econom ically Total Loss, according to the value determ ined by the
authorized entity in assessing the Motor Vehicle after the occurrence of
the dam age.
f-In case of Motor Vehicle theft, the Insureds or any of them shall
report to the com petent authorities and the Insurer prom ptly, and the
Claim shall only be accepted after a period of (60) days from the date
of subm ission of such report.
g-If an Insurer does not issue the necessary approval for repairing the
Motor Vehicle or settling the Claim within the prescribed period without
a legal justification, both beneficiaries - after filing a com plaint to the
Insurer- are entitled to subm it a com plaint against the Insurer via
SAMA Cares website (www.Sam acares.com ) or with the Com m ittees for
Resolution of Insurance Disputes and Violations, so as to com pel the
Insurer to settle the Claim and com pensate such beneficiaries for any
costs incurred as a result of their inability to use the Motor Vehicle due
to the Insurer's delay in settling the Claim .
h-In case of rejection of the Claim , the Insurer shall:
1. Provide the Claim ant with the reasons for rejection.
2. Inform the Claim ant of their right to subm it a com plaint at
SAMACares website (www.Sam acares.com ) or refer their case to
the Com m ittees for Resolution of Insurance Disputes and
Violations for consideration.
3. Provide the Claim ant with a copy of docum ents related to the
Claim upon their request.
Coverage Exclusions
This coverage ex cludes:
1. A Motor Vehicle found to be driven by a person who does not hold a
valid license corresponding to the type of vehicle driven, according to
the relevant laws and regulations, or in the event that an order is
issued by a concerned authority for the forfeiture of the Driver’s license,
or if the license was ex pired at the tim e of the Accident unless it was
renewed within (50) business days from the date of the Accident.
2. The Deductible am ount stated in the Policy Schedule.
3. Consequential loss or denial of usage.
4. Manufacturing defects and dam ages resulting due to the usage of the
Motor Vehicle or from m echanical or electrical m alfunctions.
5. Dam age, loss or theft of tires, rim s, and/or hubcaps (wheel covers),
unless such loss or dam age occurred thereto at the tim e of the covered
Accident.
6. Death or physical injury to the Insured or the Driver.
7. Em ergency m edical ex penses.
8. Loss or dam age to goods and/or personal belongings while being
loaded, unloaded or transported in or on the Motor Vehicle.
9. Loss or dam age to any trailer unless ex pressly stated otherwise in the
Policy Schedule.
10. Loss or dam age to a Motor Vehicle as a result of theft or attem pt theft
due to leaving the Motor Vehicle running or abandoning the k eys inside
of it, or due to not shutting down the windows or closing the doors.
11. All additional Motor Vehicle’s accessories, apart from those already
fitted by the m anufacturer and whose price is already included in the
original price of the Motor Vehicle, unless the type and value of such
accessories are ex plicitly and specifically stated in the Policy Schedule.
12. If the Motor Vehicle is used in contravention to restrictions set forth in
the Policy Schedule.
13. Carrying passengers beyond the perm itted loading capacity of the
Motor Vehicle or overloaded; if it is proven that the Accident was caused
by such violation.
14. If the Motor Vehicle is used for any type of racing or for acceleration,
endurance or speed testing.
15. A Motor Vehicle driven by a person under the influence of drugs,
alcohol, or m edicines which m edically prohibit driving after tak ing it.
16. If the Motor Vehicle is being used or operated as work ing m achinery.
17. Car drifting, running a red light or driving against direction of traffic if it
is proven that this was the cause of the Accident according to the report
prepared by the authorized entity of traffic Accidents.
18. A Motor Vehicle driven in areas that are norm ally off-lim its to the
public, such as airports or seaports.
19. Any liabilities or costs that were directly or indirectly incurred due to
crim inal and hostile acts com m itted by the Insureds and/or the Driver.
20. If the Driver escapes the scene of the Accident for no acceptable
justification.
21. If it is proven in the report prepared by the authorized entity attending
traffic Accidents that the Accident was caused deliberately by the
Insured or the Driver.
22. Subm itting inaccurate inform ation or concealing m aterial facts in the
insurance coverage request.
23. Accidents occurring outside the territorial borders of the Kingdom of
Saudi Arabian.
24. Any liability or ex penses arising, directly or indirectly, from the
following:
a)W ar, invasion, acts of foreign enem y, hostilities, warlik e acts
(whether war is declared or not), or civil war.
b)Rebellion, m ilitary or popular uprising, insurgence, revolution,
usurping authority, m artial laws, siege; or any events or reasons
leading to declaring or continuation of m artial laws, siege, or acts of
vandalism and terrorism com m itted by person(s) work ing individually or
on behalf of or related to any terrorist organization. Terrorism shall
m ean the use of violence for political, intellectual, philosophical, racial,
ethnic, social, or religious purposes. The use of violence includes
. ‫ﺷﺮﻛﺔ ﺗﺄﻣ ﯿ ﻦ اﻟﻄﺮ ف اﻟ ﺜﺎﻟﺚ أو اﻟﻤ ﺘ ﺴ ﺒﺐ ﻓﻲ اﻟﺤﺎ دث ﺑﻤﺎ ﺗﻜ ﺒﺪﺗﻪ ﻣ ﻦ ﺗﻌﻮﻳ ﻀﺎت‬
‫ ﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ ﺑ ﺘﻌﻮﻳ ﺾ اﻟﻤ ﺴ ﺘﻔ ﯿﺪ اﻟ ﺜﺎﻧﻲ‬، ‫ﻓﻲ ﺣﺎل ا ﺣ ﺘ ﺴﺎب اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ ھﻼك ﻛ ﻠﻲ‬.5
‫ وإ ﺧﻄﺎ ر‬- ‫ ﺑﻌﺪ ا ﺣ ﺘ ﺴﺎب ﻣ ﺒ ﻠﻎ اﻟ ﺘﺤﻤﻞ إ ن و ﺟﺪ‬- ‫ﺑﺎﻟﻘ ﯿﻤﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ اﻟﻤﺤﺪ دة ﻓﻲ ﺟﺪول اﻟﻮﺛ ﯿﻘﺔ‬
، ‫اﻟﻤ ﺴ ﺘﻔ ﯿﺪ اﻷول ﺑﻤ ﺒ ﻠﻎ اﻟ ﺘﻌﻮﻳ ﺾ اﻟﻤﺪﻓﻮع ﻟ ﻠﻤ ﺴ ﺘﻔ ﯿﺪ اﻟ ﺜﺎﻧﻲ ﻋ ﻦ طﺮﻳﻖ وﺳ ﯿ ﻠﺔ اﺗ ﺼﺎل ﻣﻮﺛﻮﻗﺔ‬
‫وﻋ ﻠﻰ اﻟ ﺸﺮﻛﺔ ﺗ ﺴﻮﻳﺔ اﻟﻤﻄﺎﻟ ﺒﺔ اﻟﻤﻐﻄﺎة ﺑﻤﻮ ﺟﺐ اﻟﻮﺛ ﯿﻘﺔ ﺑﻜﻞ ﻧﺰا ھﺔ وﻋﺪاﻟﺔ و دو ن أ ي ﻣ ﺴﺎوﻣﺔ‬
‫ﺧﻼل ﻣﺪة أﻗ ﺼﺎ ھﺎ )ﻋ ﺸﺮة ( أﻳﺎم ﻋﻤﻞ ﻣ ﻦ ﺗﺎ رﻳﺦ اﻟﻤﻄﺎﻟ ﺒﺔ ﻣﻜ ﺘﻤ ﻠﺔ اﻟﻤ ﺴ ﺘ ﻨﺪات وﻳﺠﺐ ﻋ ﻠﻰ‬
.‫اﻟﻤ ﺴ ﺘﻔ ﯿﺪ اﻟ ﺜﺎﻧﻲ ﺗ ﺴ ﻠ ﯿﻢ ﺣﻄﺎم اﻟﻤﺮﻛ ﺒﺔ ﻟ ﻠ ﺸﺮﻛﺔ ﻓﻲ ﺣﺎل و ﺟﻮ ده‬
‫ﻳﺠﺐ ﻋ ﻠﻰ اﻟ ﺸﺮﻛﺔ ﺗﻌﻮﻳ ﺾ اﻟﻤ ﺴ ﺘﻔ ﯿﺪﻳ ﻦ ﺣ ﺴﺐ أ ﺣﻜﺎم وﺷﺮوط ھﺬه اﻟﻮﺛ ﯿﻘﺔ ﻓﻲ ﺣﺎل ﻛﺎ ن‬.6
. ‫ﺷﺮﻛﺔ ﺗﺄﻣ ﯿ ﻦ اﻟﻄﺮ ف اﻟ ﺜﺎﻟﺚ أو اﻟﻤ ﺘ ﺴ ﺒﺐ ﻓﻲ اﻟﺤﺎ دث ﺑﻤﺎ ﺗﻜ ﺒﺪﺗﻪ ﻣ ﻦ ﺗﻌﻮﻳ ﻀﺎت‬
‫ﺗ ﻠ ﺘﺰم اﻟ ﺸﺮﻛﺔ ﺑﺈﻋﻄﺎء اﻷوﻟﻮﻳﺔ ﻟ ﻠﻤ ﺴ ﺘﻔ ﯿﺪ اﻷول ﺑ ﺸﺮاء ﺣﻄﺎم اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ ﻋ ﻨﺪ‬.7
‫ا ﺣ ﺘ ﺴﺎﺑ ﮫﺎ ھﻼك ﻛ ﻠﻲ اﻗ ﺘ ﺼﺎ د ي ﺑﺎﻟﻘ ﯿﻤﺔ اﻟﻤﺤﺪ دة ﻣ ﻦ اﻟﺠ ﮫﺔ اﻟﻤﺨ ﺘ ﺼﺔ ﺑ ﺘﻘﺪﻳﺮ ﻗ ﯿﻤﺔ اﻟﺤﻄﺎم ﺑﻌﺪ‬
.‫ﺣﺪوث اﻟ ﻀﺮ ر‬
‫ ﻳﺠﺐ ﻋ ﻠﻰ اﻟﻤﺆﻣ ﻦ ﻟ ﮫﻢ أو أﻳًﺎ ﻣ ﻨ ﮫﻤﺎ إﺑﻼغ اﻟﺠ ﮫﺎت اﻟﻤﺨ ﺘ ﺼﺔ وإﺑﻼغ‬، ‫ﻓﻲ ﺣﺎل ﺳﺮﻗﺔ اﻟﻤﺮﻛ ﺒﺔ‬.8
‫ ( ﻳﻮم ﻣ ﻦ ﺗﺎ رﻳﺦ اﻟ ﺒﻼغ ﻋ ﻦ اﻟ ﺴﺮﻗﺔ ﻟﺪ ى اﻟﺠ ﮫﺎت‬60 ) ‫ وﻻ ُﺗﻘ ﺒﻞ اﻟﻤﻄﺎﻟ ﺒﺔ إﻻ ﺑﻌﺪ ﻣﺮو ر‬،ً‫اﻟ ﺸﺮﻛﺔ ﻓﻮ را‬
.‫ا ﻟﻤ ﺨ ﺘ ﺼ ﺔ‬
‫ﻓﻲ ﺣﺎل ﻋﺪم اﻟ ﺘﺰام اﻟ ﺸﺮﻛﺔ ﺑﺈ ﺻﺪا ر اﻟ ﺘﻌﻤ ﯿﺪ اﻟﻼ زم ﻟﻺ ﺻﻼح أو ﺗ ﺴﻮﻳﺔ اﻟﻤﻄﺎﻟ ﺒﺔ ﺧﻼل اﻟﻔ ﺘﺮة‬.9
- ‫ ﺑﻌﺪ ﺗﻘﺪﻳﻢ ﺷﻜﻮ ى ﻟ ﻠ ﺸﺮﻛﺔ‬- ‫اﻟ ﻨﻈﺎﻣ ﯿﺔ دو ن و ﺟﻮ د ﺳ ﺒﺐ ﻧﻈﺎﻣﻲ ﻳﺤﻖ ﻷ ي ﻣ ﻦ اﻟﻤ ﺴ ﺘﻔ ﯿﺪﻳ ﻦ‬
‫ ( أو اﻟ ﺘﻘﺪم ﺑﻄ ﻠﺐ إﻟﻰ ﻟﺠﺎ ن‬www.Sam acares.com ) ‫اﻻﻋ ﺘﺮا ض ﻋ ﻦ طﺮﻳﻖ ﻣﻮﻗﻊ ﺳﺎﻣﺎ ﺗ ﮫ ﺘﻢ‬
‫اﻟﻔ ﺼﻞ ﻓﻲ اﻟﻤ ﻨﺎ زﻋﺎت واﻟﻤﺨﺎﻟﻔﺎت اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﻹﻟﺰام اﻟ ﺸﺮﻛﺔ ﺑ ﺘ ﺴﻮﻳﺔ اﻟﻤﻄﺎﻟ ﺒﺔ وﺗﻌﻮﻳ ﻀﻪ ﻋ ﻦ أ ي‬
.‫ﺗﻜﺎﻟ ﯿﻒ ﺗﺤﻤ ﻠ ﮫﺎ ﻧ ﺘ ﯿﺠﺔ ﻋﺪم اﺳ ﺘﺨﺪاﻣﻪ ﻟ ﻠﻤﺮﻛ ﺒﺔ ﺑ ﺴ ﺒﺐ ﺗﺄ ﺧﺮ اﻟ ﺸﺮﻛﺔ ﻓﻲ ﺗ ﺴﻮﻳﺔ اﻟﻤﻄﺎﻟ ﺒﺔ‬
: ‫ﻋ ﻨﺪ رﻓ ﺾ اﻟﻤﻄﺎﻟ ﺒﺔ ﻓﺈ ن اﻟ ﺸﺮﻛﺔ ﺗ ﻠ ﺘﺰم ﺑﺎﻵﺗﻲ‬.10
.‫ ﺗﺰوﻳﺪ ﻣﻘﺪم اﻟﻤﻄﺎﻟ ﺒﺔ ﺑﺄﺳ ﺒﺎب اﻟﺮﻓ ﺾ‬. 1
‫إﺑﻼغ ﻣﻘﺪم اﻟﻤﻄﺎﻟ ﺒﺔ ﺑﺈﻣﻜﺎﻧ ﯿﺔ ﺗﻘﺪﻳﻢ ﺷﻜﻮ ى ﻋ ﻦ طﺮﻳﻖ ﻣﻮﻗﻊ ﺳﺎﻣﺎ ﺗ ﮫ ﺘﻢ‬.2
‫ أو ﺗﻘﺪﻳﻢ دﻋﻮ ى أﻣﺎم ﻟﺠﺎ ن اﻟﻔ ﺼﻞ ﻓﻲ اﻟﻤ ﻨﺎ زﻋﺎت‬www.Sam acares.com
.‫واﻟﻤﺨﺎﻟﻔﺎت اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﻟ ﻠ ﻨّﻈﺮ ﻓ ﯿ ﮫﺎ ﻣ ﻦ ﻗ ﺒﻞ ﺗ ﻠﻚ اﻟ ﻠﺠﺎ ن‬
.‫ﺗﺰوﻳﺪ ﻣﻘﺪم اﻟﻤﻄﺎﻟ ﺒﺔ ﺑ ﻨ ﺴﺨﺔ ﻣ ﻦ اﻟﻮﺛﺎﺋﻖ واﻟﻤ ﺴ ﺘ ﻨﺪات اﻟﻤ ﺘﻌ ﻠﻘﺔ ﺑﺎﻟﻤﻄﺎﻟ ﺒﺔ ﻋ ﻨﺪ ط ﻠ ﺒﻪ‬.3
‫اﻻ ﺳﺘﺜﻨﺎءات ﻣ ﻦ اﻟﺘﻐﻄﯿ ﺔ‬
: ‫ﻻ ﺗ ﺸﻤﻞ ھﺬه اﻟ ﺘﻐﻄ ﯿﺔ اﻵﺗﻲ‬
‫ إ ذا ﺛ ﺒﺖ أ ن ﻗ ﯿﺎ دة اﻟﻤﺮﻛ ﺒﺔ ﺗﻤﺖ دو ن اﻟﺤ ﺼﻮل ﻋ ﻠﻰ ر ﺧ ﺼﺔ ﻗ ﯿﺎ دة ﻟ ﻨﻮع اﻟﻤﺮﻛ ﺒﺔ ط ﺒﻘﺎً ﻟﻸﻧﻈﻤﺔ‬.1
‫ أو ﻛﺎﻧﺖ‬، ‫ أو أ ن ﺗﻜﻮ ن اﻟﺮ ﺧ ﺼﺔ ﻗﺪ ﺻﺪ ر أﻣﺮ ﺑ ﺴﺤ ﺒ ﮫﺎ ﻣ ﻦ اﻟﺠ ﮫﺎت اﻟﻤﺨ ﺘ ﺼﺔ‬، ‫واﻟ ﻠﻮاﺋﺢ ذات اﻟﻌﻼﻗﺔ‬
.‫ ﻳﻮم ﻋﻤﻞ ﻣ ﻦ ﺗﺎ رﻳﺦ اﻟﺤﺎ دث‬٥٠ ‫ﻣ ﻨ ﺘ ﮫ ﯿﺔ وﻗﺖ اﻟﺤﺎ دث ﻣﺎﻟﻢ ﻳ ﺘﻢ ﺗﺠﺪﻳﺪ اﻟﺮ ﺧ ﺼﺔ اﻟﻤ ﻨ ﺘ ﮫ ﯿﺔ ﺧﻼل‬
.‫ ﻣ ﺒ ﻠﻎ اﻟ ﺘﺤﻤﻞ اﻟﻤﺬﻛﻮ ر ﻓﻲ ﺟﺪول اﻟﻮﺛ ﯿﻘﺔ‬.2
.‫ اﻟﺨ ﺴﺎ رة اﻟ ﺘ ﺒﻌ ﯿﺔ أو اﻟﺤﺮﻣﺎ ن ﻣ ﻦ اﻻﺳ ﺘﻌﻤﺎل‬.3
.‫ اﻟﻌ ﯿﻮب اﻟﻤ ﺼ ﻨﻌ ﯿﺔ واﻷ ﺿﺮا ر اﻟﻤ ﺘﺮﺗ ﺒﺔ ﻋ ﻠﻰ اﺳ ﺘ ﮫﻼك اﻟﻤﺮﻛ ﺒﺔ أو اﻟﺨ ﻠﻞ اﻟﻤ ﯿﻜﺎﻧ ﯿﻜﻲ أو اﻟﻜ ﮫﺮﺑﺎﺋﻲ‬.4
‫أو أﻏﻄ ﯿﺔ اﻟﺠ ﻨﻮط )اﻟﻄﺎﺳﺎت ( إﻻ إ ذا ﻓﻘﺪﺗ ﮫﺎ‬/‫أو اﻟﺠ ﻨﻮط و‬/‫ اﻟ ﻀﺮ ر أو اﻟﻔﻘﺪ أو اﻟ ﺴﺮﻗﺔ ﻟﻺطﺎ رات و‬.5
.‫اﻟﻤﺮﻛ ﺒﺔ أو ﺗ ﻀﺮ رت ﻓﻲ وﻗﺖ اﻟﺤﺎ دث اﻟﻤﻐﻄﻰ‬
.‫ اﻟﻮﻓﺎة أو اﻹ ﺻﺎﺑﺔ اﻟﺠ ﺴﺪﻳﺔ ﻟ ﻠﻤﺆﻣ ﻦ ﻟﻪ أو اﻟ ﺴﺎﺋﻖ‬.6
.‫ اﻟﻤ ﺼﺎ رﻳﻒ اﻟﻄ ﺒ ﯿﺔ اﻟﻄﺎ رﺋﺔ‬.7
‫أو اﻟﻤ ﺘﻌ ﻠﻘﺎت اﻟ ﺸﺨ ﺼ ﯿﺔ أﺛ ﻨﺎء ﺗﺤﻤ ﯿ ﻠ ﮫﺎ أو ﺗ ﻨﺰﻳ ﻠ ﮫﺎ أو أﺛ ﻨﺎء ﻧﻘ ﻠ ﮫﺎ ﻓﻲ أو‬/‫ اﻟﺨ ﺴﺎ رة أو اﻟ ﻀﺮ ر ﻟ ﻠ ﺒ ﻀﺎﺋﻊ و‬.8
.‫ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒﺔ‬
.‫ اﻟﺨ ﺴﺎ رة أو اﻟ ﻀﺮ ر ﻷ ي ﻣﻘﻄﻮ رة إﻻ إ ذا أﻋ ﻠ ﻦ ﻋ ﻨ ﮫﺎ ﺻﺮا ﺣﺔ وﺑﺎﻟ ﺘﺤﺪﻳﺪ ﻓﻲ ﺟﺪول اﻟﻮﺛ ﯿﻘﺔ‬.9
‫ اﻟﺨ ﺴﺎ رة أو اﻟ ﻀﺮ ر ﻟ ﻠﻤﺮﻛ ﺒﺔ ﻧ ﺘ ﯿﺠﺔ اﻟ ﺴﺮﻗﺔ أو اﻟ ﺸﺮوع ﻓ ﯿ ﮫﺎ ﺑ ﺴ ﺒﺐ ﺗﺮك اﻟﻤﺮﻛ ﺒﺔ ﻓﻲ و ﺿﻊ اﻟ ﺘ ﺸﻐ ﯿﻞ‬.10
.‫أو ﺗﺮك اﻟﻤﻔﺎﺗ ﯿﺢ ﻋ ﻠ ﯿ ﮫﺎ أو ﻋﺪم إﻗﻔﺎل اﻟ ﻨﻮاﻓﺬ واﻷﺑﻮاب‬
‫ ﺟﻤ ﯿﻊ اﻟﻤ ﻠﺤﻘﺎت اﻹ ﺿﺎﻓ ﯿﺔ ﻓﻲ اﻟﻤﺮﻛ ﺒﺔ ﺑﺨﻼ ف ﺗ ﻠﻚ اﻟﻤ ﻠﺤﻘﺔ أ ﺻﻼ ً ﻣ ﻦ اﻟﻤ ﺼ ﻨﻊ واﻟﻤ ﺸﻤﻮﻟﺔ ﻗ ﯿﻤ ﺘ ﮫﺎ‬.11
‫ إﻻ إ ذا ﻛﺎ ن ﻧﻮع وﻗ ﯿﻤﺔ ھﺬه اﻟﻤ ﻠﺤﻘﺎت ﻗﺪ ﺗﻢ اﻟ ﻨ ﺺ ﻋ ﻠ ﯿ ﮫﺎ ﺻﺮا ﺣﺔ وﺑﺎﻟ ﺘﺤﺪﻳﺪ ﻓﻲ‬، ‫ﻓﻲ ﺛﻤ ﻦ اﻟﻤﺮﻛ ﺒﺔ‬
.‫ﺟﺪول اﻟﻮﺛ ﯿﻘﺔ‬
.‫ إ ذا ﻛﺎﻧﺖ اﻟﻤﺮﻛ ﺒﺔ ﻣ ﺴ ﺘﻌﻤ ﻠﺔ ﻋ ﻠﻰ و ﺟﻪ ﻳﺨﺎﻟﻒ ﻗ ﯿﻮ د اﻻﺳ ﺘﻌﻤﺎل اﻟﻤ ﺒ ﯿ ﻨﺔ ﻓﻲ ﺟﺪول اﻟﻮﺛ ﯿﻘﺔ‬.12
‫ ﺗﺤﻤ ﯿﻞ رﻛﺎب ﺑﻤﺎ ﻳ ﺘﺠﺎو ز اﻟ ﺴﻌﺔ اﻟﻤ ﺼﺮح ﺑ ﮫﺎ ﻟ ﻠﻤﺮﻛ ﺒﺔ أو زﻳﺎ دة اﻟﺤﻤﻮﻟﺔ ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒﺔ إ ذا ﺛ ﺒﺖ‬.13
.‫ﺣ ﺼﻮل اﻟ ﻀﺮ ر ﺑ ﺴ ﺒﺐ ھﺬا اﻟ ﺘﺠﺎو ز‬
‫ إ ذا ﻛﺎﻧﺖ اﻟﻤﺮﻛ ﺒﺔ ﻣ ﺴ ﺘﻌﻤ ﻠﺔ ﻓﻲ أ ي ﻧﻮع ﻣ ﻦ أﻧﻮاع اﻟ ﺴ ﺒﺎﻗﺎت أو ﻓﻲ ﺗﺤﺪﻳﺪ ﺳﺮﻋﺔ اﻻﻧﻄﻼ ق أو ﻓﻲ‬.14
.‫ﺗﺠﺮﺑﺔ ا ﺧ ﺘ ﺒﺎ ر اﻟﻘﺪ رة أو اﻟ ﺴﺮﻋﺔ‬
‫ إ ذا ﻛﺎﻧﺖ اﻟﻤﺮﻛ ﺒﺔ ﺑﻘ ﯿﺎ دة أ ي ﺷﺨ ﺺ و ھﻮ ﺗﺤﺖ ﺗﺄﺛ ﯿﺮ اﻟﻤﺨﺪ رات أو اﻟﻤ ﺸﺮوﺑﺎت اﻟﻜﺤﻮﻟ ﯿﺔ أو اﻟﻌﻘﺎﻗ ﯿﺮ‬.15
.‫اﻟﻄ ﺒ ﯿﺔ اﻟ ﺘﻲ ﻻ ﻳ ﺴﻤﺢ ط ﺒ ﯿﺎً ﺑﺎﻟﻘ ﯿﺎ دة ﺑﻌﺪ ﺗ ﻨﺎوﻟ ﮫﺎ‬
.‫ إ ذا ﻛﺎﻧﺖ اﻟﻤﺮﻛ ﺒﺔ ﻣ ﺴ ﺘﻌﻤﺎﻟﺔ أو ﻣ ﺸﻐ ﻠﺔ ﻛﺂﻟ ﯿﺎت ﻋﻤﺎل‬.16
‫ اﻟ ﺘﻔﺤ ﯿﻂ أو ﺗﺠﺎو ز اﻹﺷﺎ رة اﻟﺤﻤﺮاء أو اﻟ ﺴ ﯿﺮ ﺑﺎﻟﻤﺮﻛ ﺒﺔ ﻋﻜﺲ اﺗﺠﺎه اﻟ ﺴ ﯿﺮ إ ذا ﺛ ﺒﺖ وﻗﻮع اﻟﺤﺎ دث‬.17
.‫ﺑ ﺴ ﺒﺐ ذﻟﻚ ﻓﻲ ﺗﻘﺮﻳﺮ اﻟﺠ ﮫﺔ اﻟﻤﺨ ﺘ ﺼﺔ ﺑﻤﻌﺎﻳ ﻨﺔ اﻟﺤﻮا دث اﻟﻤﺮو رﻳﺔ‬
‫ إ ذا ﻛﺎﻧﺖ اﻟﻤﺮﻛ ﺒﺔ ﻣ ﺴ ﺘﻌﻤ ﻠﺔ ﺿﻤ ﻦ اﻟﻤ ﻨﺎطﻖ اﻟ ﺘﻲ ﻻ ﻳ ﺴﻤﺢ ﻋﺎ دة ﻟ ﻠﻌﺎﻣﺔ ﺑﺪ ﺧﻮﻟ ﮫﺎ ﻣ ﺜﻞ اﻟﻤﻄﺎ رات أو‬.18
.‫اﻟﻤﻮاﻧﺊ اﻟ ﺒﺤﺮﻳﺔ‬
‫ أ ي ﻣ ﺴﺆوﻟ ﯿﺔ أو ﻣ ﺼﺎ رﻳﻒ ﻛﺎﻧﺖ ﻧ ﺘ ﯿﺠﺔ ﻣ ﺒﺎﺷﺮة أو ﻏ ﯿﺮ ﻣ ﺒﺎﺷﺮة ﻟﻸﻋﻤﺎل اﻹ ﺟﺮاﻣ ﯿﺔ واﻟﻌﺪاﺋ ﯿﺔ اﻟ ﺘﻲ‬.19
.‫أو اﻟ ﺴﺎﺋﻖ‬/ ‫ا رﺗﻜ ﺒﺖ ﺑﻮاﺳﻄﺔ اﻟﻤﺆﻣ ﻦ ﻟ ﮫﻢ و‬
.‫ ھﺮوب ﺳﺎﺋﻖ اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﻣ ﻦ ﻋ ﻠ ﯿ ﮫﺎ ﻣ ﻦ ﻣﻮﻗﻊ اﻟﺤﺎ دث دو ن ﻋﺬ ر ﻣﻘ ﺒﻮل‬.20
‫ إ ذا ﺛ ﺒﺖ وﻗﻮع اﻟﺤﺎ دث ﻋﻤﺪاً ﻣ ﻦ ﺟﺎﻧﺐ اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ أو اﻟ ﺴﺎﺋﻖ وﺗﻢ اﺛ ﺒﺎت ذﻟﻚ ﻓﻲ ﺗﻘﺮﻳﺮ اﻟﺠ ﮫﺔ‬.21
.‫اﻟﻤﺨ ﺘ ﺼﺔ ﺑﻤﻌﺎﻳ ﻨﺔ اﻟﺤﻮا دث‬
.‫ اﻹ دﻻء ﺑ ﺒ ﯿﺎﻧﺎت ﻏ ﯿﺮ ﺻﺤ ﯿﺤﺔ أو إ ﺧﻔﺎء ﺣﻘ ﯿﻘﺔ ﺟﻮ ھﺮﻳﺔ ﻓﻲ ط ﻠﺐ اﻟ ﺘﺄﻣ ﯿ ﻦ‬.22
.‫ اﻟﺤﻮا دث اﻟ ﺘﻲ ﺗﻘﻊ ﺧﺎ رج اﻟﺤﺪو د اﻹﻗ ﻠ ﯿﻤ ﯿﺔ ﻟ ﻠﻤﻤ ﻠﻜﺔ اﻟﻌﺮﺑ ﯿﺔ اﻟ ﺴﻌﻮ دﻳﺔ‬.23
: ‫ أ ي ﻣ ﺴﺆوﻟ ﯿﺔ أو ﻣ ﺼﺎ رﻳﻒ ﺗ ﻨ ﺸﺄ ﻧ ﺘ ﯿﺠﺔ ﻣ ﺒﺎﺷﺮة أو ﻏ ﯿﺮ ﻣ ﺒﺎﺷﺮة ﻣ ﻦ اﻵﺗﻲ‬.24
‫اﻟﺤﺮب أو اﻟﻐﺰو أو أﻋﻤﺎل اﻟﻌﺪوا ن اﻷ ﺟ ﻨ ﺒﻲ أو اﻷﻋﻤﺎل اﻟﻌﺪواﻧ ﯿﺔ أو اﻷﻋﻤﺎل ﺷ ﺒﻪ اﻟﺤﺮﺑ ﯿﺔ )ﺳﻮاء‬-1
. ( ‫أﻋ ﻠ ﻨﺖ اﻟﺤﺮب أم ﻟﻢ ﺗﻌ ﻠ ﻦ أو اﻟﺤﺮب اﻷ ھ ﻠ ﯿﺔ‬
‫اﻟ ﺘﻤﺮ د أو اﻻﻧ ﺘﻔﺎ ﺿﺔ اﻟﻌ ﺴﻜﺮﻳﺔ أو اﻟ ﺸﻌ ﺒ ﯿﺔ أو اﻟﻌ ﺼ ﯿﺎ ن أو اﻟ ﺜﻮ رة أو اﻟ ﺴ ﻠﻄﺔ اﻟﻐﺎ ﺻ ﺒﺔ أو اﻷ ﺣﻜﺎم‬-2
‫اﻟﻌﺮﻓ ﯿﺔ أو ﺣﺎﻟﺔ اﻟﺤ ﺼﺎ ر أو أ ي ﻣ ﻦ اﻷ ﺣﺪاث أو اﻷﺳ ﺒﺎب اﻟ ﺘﻲ ﺗﺆ د ي إﻟﻰ إﻋﻼ ن أو اﺳ ﺘﻤﺮا ر اﻷ ﺣﻜﺎم‬
‫اﻟﻌﺮﻓ ﯿﺔ أو ﺣﺎﻟﺔ اﻟﺤ ﺼﺎ ر أو أﻋﻤﺎل اﻟ ﺘﺨﺮﻳﺐ واﻹ ر ھﺎب اﻟ ﺘﻲ ﻳﺮﺗﻜ ﺒ ﮫﺎ ﺷﺨ ﺺ أو أﺷﺨﺎ ص ﻳﻌﻤ ﻠﻮ ن ﺑ ﺼﻔﺔ‬
‫ وﻳﻘ ﺼﺪ ﺑﺎﻹ ر ھﺎب اﺳ ﺘﺨﺪام اﻟﻌ ﻨﻒ ﻷﻏﺮا ض‬.‫ﻣ ﻨﻔﺮ دة أو ﻧ ﯿﺎﺑﺔ ﻋ ﻦ أو ﻋ ﻠﻰ ﺻ ﻠﺔ ﺑﺄ ي ﻣ ﻨﻈﻤﺔ إ ر ھﺎﺑ ﯿﺔ‬
‫ وﻳ ﺸﻤﻞ اﺳ ﺘﺨﺪام اﻟﻌ ﻨﻒ‬.‫ﺳ ﯿﺎﺳ ﯿﺔ أو ﻓﻜﺮﻳﺔ أو ﻓ ﻠ ﺴﻔ ﯿﺔ أو ﻋ ﻨ ﺼﺮﻳﺔ أو ﻋﺮﻗ ﯿﺔ أو ا ﺟ ﺘﻤﺎﻋ ﯿﺔ أو دﻳ ﻨ ﯿﺔ‬
‫أو‬/‫ و‬، ‫أو اﻟ ﺘ ﺴ ﺒﺐ ﻓﻲ ا ﺿﻄﺮاب‬/‫ و‬، ‫ أو اﻟ ﺘﺄﺛ ﯿﺮ ﻋ ﻠﻰ‬، ‫أو ﺷﺮﻳﺤﺔ ﻣ ﻨ ﮫﻢ ﻓﻲ ﺣﺎﻟﺔ ﺧﻮ ف‬/‫و ﺿﻊ اﻟﻌﺎﻣﺔ و‬
‫ أو اﻟ ﺘ ﺴ ﺒﺐ ﻓﻲ ا ﺿﻄﺮاب ﻳﺆﺛﺮ‬، ‫أو أﻧ ﺸﻄﺔ أو ﺳ ﯿﺎﺳﺎت ﺧﺎ ﺻﺔ ﺑﺎﻟﺤﻜﻮﻣﺔ‬/‫اﻟ ﺘﺪ ﺧﻞ ﻓﻲ أ ي ﻋﻤ ﻠ ﯿﺎت و‬
.‫ﺳ ﻠ ﺒﺎً ﻋ ﻠﻰ اﻻﻗ ﺘ ﺼﺎ د اﻟﻮط ﻨﻲ أو أ ي ﻣ ﻦ ﻗﻄﺎﻋﺎﺗﻪ‬
.‫اﻹ ﺿﺮاب أو اﻟ ﺸﻐﺐ أو اﻻ ﺿﻄﺮاﺑﺎت اﻟﻤﺪﻧ ﯿﺔ أو اﻟﻌﻤﺎﻟ ﯿﺔ‬-3
‫ﻣﺎ ﻳ ﻨ ﺘﺞ ﺑ ﺴ ﺒﺐ أو ﻳ ﻨ ﺸﺄ ﻋ ﻦ أو ﺗﻜﻮ ن ﺳﺎ ھﻤﺖ ﻓ ﯿﻪ اﻷﺳ ﻠﺤﺔ اﻟ ﻨﻮوﻳﺔ أو اﻹﺷﻌﺎﻋﺎت اﻷﻳﻮﻧ ﯿﺔ أو‬-4
‫ وﻷﻏﺮا ض ھﺬا‬، ‫اﻟ ﺘ ﻠﻮث ﺑﺎﻹﺷﻌﺎع ﻣ ﻦ أ ي وﻗﻮ د أو أﻳﺔ ﻧﻔﺎﻳﺎت ﻧﻮوﻳﺔ ﻧﺎﺗﺠﺔ ﻋ ﻦ ا ﺣ ﺘﺮا ق وﻗﻮ د ﻧﻮو ي‬
.‫اﻻﺳ ﺘ ﺜ ﻨﺎء ﻓﺈ ن اﻻ ﺣ ﺘﺮا ق ﻳ ﺸﻤﻞ أ ي ﻋﻤ ﻠ ﯿﺔ اﻧ ﺸﻄﺎ ر ﻧﻮو ي‬
 putting the public and/or a segm ent of it under panic condition;
affecting and/or causing turm oil; intervening in any operations and/or ‫ﻳﻤﻜ ﻦ ﻟ ﻠﻤ ﺴ ﺘﺄ ﺟﺮ إﻟﻐﺎء أ ي ﻣ ﻦ اﻻﺳ ﺘ ﺜ ﻨﺎءات أﻋﻼه ﻋ ﻠﻰ أ ن ﺗﻜﻮ ن ﻛﻤ ﻨﻔﻌﺔ إ ﺿﺎﻓ ﯿﺔ ﻣﺎﻟﻢ ﺗﻜ ﻦ ﻣﺨﺎﻟﻔﺔ ﻟﻸﻧﻈﻤﺔ‬
activities or policies related to the governm ent; or causing turbulence .‫ذات اﻟﻌﻼﻗﺔ‬
negatively affecting the national econom y or any of its sectors.
c)Strik es, riots, or civil or labor unrest.
d)W hat has been caused, or contributed to, by nuclear weapons,
ionizing radiations, radioactive contam ination due to any nuclear fuel or
waste, or contam ination due to nuclear fuel com bustion. For the
purposes of this ex clusion, com bustion shall include any nuclear
fission.

The Lessee m ay opt to cancel any of the ex clusions above, which will be
included as an Additional Benefits, unless deem ed to be in conflict with
relevant laws.

Covering Third Party Civil Liability ‫ﺗﻐ ﻄﯿ ﺔ اﻟ ﻤﺴ ﺆوﻟﯿ ﺔ اﻟ ﻤﺪﻧﯿ ﺔ ﺗ ﺠﺎه اﻟﻐﯿﺮ‬
The determ ination of coverage in this section is subject to the Unified ‫ﻳﺨ ﻀﻊ ﺗﺤﺪﻳﺪ اﻟ ﺘﻐﻄ ﯿﺔ ﻓﻲ ھﺬا اﻟﻘ ﺴﻢ ﻟ ﻠﻮﺛ ﯿﻘﺔ اﻟﻤﻮ ﺣﺪة ﻟ ﻠ ﺘﺄﻣ ﯿ ﻦ اﻹﻟﺰاﻣﻲ ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒﺎت اﻟ ﺼﺎ د رة ﻋ ﻦ‬
Com pulsory Motor Insurance Policy issued by SAMA. .‫اﻟﻤﺆﺳ ﺴﺔ‬
 General conditions
1.Subrogation:
Following indem nification of an insurance beneficiary, the Insurer has the right
to act on behalf of the Insured in pursuing their Claim against the person at
fault, unless it is the First Beneficiary.
2.Right of Recovery:
In the case that an Insurer m ade indem nity paym ents to any party
whom soever for dam age or loss, and it was later discovered that the
paym ents were m ade upon a risk ex cluded from or not covered under the
Policy; or if the Claim involved deceit, fraud, m isinform ation or forgery, the
Insurer is entitled to recover against the indem nified person for the indem nity
paym ents. The Insurer is also entitled to recourse against any person at fault
in case of attem pted theft or theft of the insured Motor Vehicle or when the
insured Motor Vehicle is driven by any person without perm ission from the
Insureds.
3.Changes:
The Insureds shall notify the Insurer, within 20 business days, of any Material
Changes to the inform ation subm itted in the insurance coverage request. The
Insurer shall notify the Insureds in case it intends to increase the am ount of
the Prem ium , or reim burse part of the Prem ium to the lessor when it is
reduced. If no notification is sent to the Insured by the Insurer within five
business days, then this shall indicate the Insurer’s agreem ent to continue
providing the coverage at the Prem ium rate agreed upon at the tim e of
signing the Policy.
4.Obligations of the Insureds or Driver in Case the Occurrence of an A ccident
Covered under the Policy:
a)Shall inform the concerned entities as soon as an Accident occurs and
shall not leave the scene of the Accident until procedures have been
com pleted, ex cept in cases where leaving the scene is required such as
the case of physical injuries.
b)Shall not Claim responsibility with the intention of harm ing the
Insurer, pay or undertak e to pay any am ount to any party involved in
the Accident ex cept after obtaining a prior written approval from the
Insurer.
c)Shall cooperate with the Insurer, and issue powers of attorney
enabling the Insurer to carry out the pleading, defending and
settlem ent procedures on behalf of the Insured or the Driver, if the
Insurer ex presses its desire to do so.
d)Shall, at the Insurer's ex pense, perform all actions required to
guarantee the Insurer's right for recovering any of its due entitlem ents
from any other party, as a result of indem nity paid in accordance with
the Policy.
Shall inform the concerned entities in case of theft or any other crim inal act,
and shall cooperate with the Insurer in securing the conviction of the offender.
5.Fraud:
All rights arising from the Policy shall be forfeited if the Claim involves fraud,
or if the Insureds or the Driver adopts fraudulent ways or m ethods to gain
benefit under this Policy, or if the liability or dam age resulted from a
deliberate act by or collusion with, the Insureds, the Driver, or others. The
Insurer has the right of recover against any party found to be responsible for
such fraud, whether as a conspirator or an accom plice.
6.Cancellation:
Neither the Insurer nor the Insureds has the right to cancel the Policy after its
issuance, ex cept in the following cases:
a.The write-off of the Motor Vehicle’s registrar. ‫ﻋ ﻠﻰ أ ن ﺗﻘﻮم اﻟ ﺸﺮﻛﺔ ﺑﺈﻋﺎ دة اﻟﻤ ﺒ ﻠﻎ اﻟﻤ ﺴ ﺘﺤﻖ ﻋ ﻦ اﻟﻤﺪة ﻏ ﯿﺮ اﻟﻤ ﻨﻘ ﻀ ﯿﺔ ﻣ ﻦ اﻟﻮﺛ ﯿﻘﺔ إﻟﻰ اﻟﻤﺆ ﺟﺮ ﻣ ﻦ ﺧﻼل‬
b.Transfer of ownership of a Motor Vehicle to another owner.
c.The ex istence of alternative Policy that provides the sam e coverage
indicated in the Rules, and covers the rem aining term of the Policy to ‫ وﻳﺤ ﺘ ﺴﺐ اﻟﻤ ﺒ ﻠﻎ اﻟﻤ ﺴ ﺘﺤﻖ إﻋﺎ دﺗﻪ ﻟ ﻠﻤﺆﻣ ﻦ ﻟ ﮫﻢ ﻋ ﻦ اﻟﻤﺪة ﻏ ﯿﺮ اﻟﻤ ﻨﻘ ﻀ ﯿﺔ ﻣ ﻦ ﻓ ﺘﺮة‬، ‫اﻟﺤﺎﻻت اﻟﻤﺬﻛﻮ رة أﻋﻼه‬
be cancelled.
d.Term ination or cancelation of the finance leasing contract between
the Lessor and the Lessee. -٣٦٥) : ‫ ﻟ ﺘﻜﻮ ن ﻛﺎﻵﺗﻲ‬، ‫اﻟﻤ ﺒ ﻠﻎ اﻟﺬ ي ُﻳﻌﺎ د ﻟ ﻠﻤﺆﻣ ﻦ ﻟ ﮫﻢ‬- ‫﷼ ﻛﺤﺪ أﻗ ﺼﻰ ( وﻳﻜﻮ ن اﻟ ﻨﺎﺗﺞ ھﻮ اﻟﻘ ﺴﻂ اﻟﻤ ﺘ ﺒﻘﻲ‬
The Insurer shall refund the Lessor the due am ount payable for the uncovered
period by depositing the am ount to their bank account via IBAN, and it will be
added to Lessee Insurance Account, within three business days from the date
on which the Insurer becom es aware of the occurrence of any of the cases
m entioned above. The due am ount payable to the Insureds for the uncovered
period is calculated by subtracting the elapsed days from the total Policy term
(in days) and then dividing the result by the total Policy term . The result is
then m ultiplied by the insurance Prem ium less adm inistrative fees (a
m ax im um of SAR 25), and as follows: (365 − elapsed days) /365 × insurance
Prem ium less adm inistrative fees (a m ax im um of SAR 25) = return Prem ium ‫ﻻ ﻳﺤﻖ ﻟ ﻠ ﺸﺮﻛﺔ إ ﺻﺪا ر اﻟﻮﺛ ﯿﻘﺔ ﻣﺎ ﻟﻢ ﺗﻜ ﻦ ﻣﺮﺗ ﺒﻄﺔ آﻟ ﯿﺎً ﺑ ﻨﻈﺎم اﻟﺠ ﮫﺔ اﻟﻤﺨ ﺘ ﺼﺔ ﺑﺠﻤﻊ و ﺣﻔﻆ وﺗ ﺒﺎ دل اﻟﻤﻌ ﻠﻮﻣﺎت‬
payable to the Insured.
The Insurer is ex em pted from paying the return Prem ium in the case that
there is a Claim —related to the Policy to be cancelled and on the Motor Vehicle
covered by the Policy—whose value ex ceeds the am ount to be refunded as per
the calculation form ula m entioned above.
Notwithstanding the foregoing, Insurers, Insureds and Drivers shall rem ain
bound by the provisions of this Policy with respect to the obligations arising
prior to its cancellation.
7.Policy Issuance and Renewal Notification:
The Insurer m ay not issue this Policy unless it is autom atically link ed to the
‫اﻟﺸﺮوط اﻟﻌﺎﻣ ﺔ‬
:‫اﻟ ﺤﻠ ﻮ ل‬-1
‫ﻳﺤﻖ ﻟ ﻠ ﺸﺮﻛﺔ ﺑﻌﺪ ﺗﻌﻮﻳ ﺾ اﻟﻤ ﺴ ﺘﻔ ﯿﺪ ﻣ ﻦ اﻟ ﺘﻐﻄ ﯿﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﺑﺎﻟﺤ ﻠﻮل ﻣﻜﺎﻧﻪ ﻓﻲ ﻣﻄﺎﻟ ﺒﺔ اﻟﻤ ﺘ ﺴ ﺒﺐ ﺑﺎﻟﺤﺎ دث‬
.‫ﻣﺎﻟﻢ ﻳﻜ ﻦ اﻟﻤ ﺴ ﺘﻔ ﯿﺪ اﻷول‬
:‫ ﺣ ﻖ اﻟﺮ ﺟ ﻮع‬-2
‫ﻓﻲ ﺣﺎﻟﺔ ﻗ ﯿﺎم اﻟ ﺸﺮﻛﺔ ﺑﺪﻓﻊ أ ي ﻣ ﺒﺎﻟﻎ ﻷ ي طﺮ ف ﻣ ﻦ اﻷطﺮا ف أﻳﺎً ﻛﺎ ن ﻣﻘﺎﺑﻞ ﺗﻌﻮﻳ ﺾ ﻋ ﻦ ﺿﺮ ر أو ﺧ ﺴﺎ رة‬
‫ أو اﻧﻄﻮت اﻟﻤﻄﺎﻟ ﺒﺔ ﻋ ﻠﻰ‬، ‫اﺗ ﻀﺢ ﻓ ﯿﻤﺎ ﺑﻌﺪ أﻧﻪ ﺗﻢ ﺑ ﻨﺎًء ﻋ ﻠﻰ ﺧﻄﺮ ﻣ ﺴ ﺘ ﺜ ﻨﻰ أو ﻏ ﯿﺮ ﻣﻐﻄﻰ ﺑﻤﻮ ﺟﺐ اﻟﻮﺛ ﯿﻘﺔ‬
‫ ﻓﺈﻧﻪ ﻳﺤﻖ ﻟ ﻠ ﺸﺮﻛﺔ اﻟﺮ ﺟﻮع ﻋ ﻠﻰ ﻣ ﻦ ﺗﻢ ﺗﻌﻮﻳ ﻀﻪ ﻻﺳ ﺘﺮ دا د ﻣﺎ ﺳ ﺒﻖ أ ن‬، ‫ﻏﺶ أو ا ﺣ ﺘ ﯿﺎل أو ﺗﺪﻟ ﯿﺲ أو ﺗﺰوﻳﺮ‬
‫ ﻛﻤﺎ ﻳﺤﻖ ﻟ ﻠ ﺸﺮﻛﺔ اﻟﺮ ﺟﻮع ﻋ ﻠﻰ اﻟﻤ ﺘ ﺴ ﺒﺐ ﻓﻲ أ ي ﺣﺎ دث ﻓﻲ ﺣﺎﻟﺔ اﻟ ﺴﺮﻗﺔ أو اﻟ ﺸﺮوع ﻓﻲ ﺳﺮﻗﺔ‬، ‫دﻓﻌ ﺘﻪ‬
.‫اﻟﻤﺮﻛ ﺒﺔ اﻟﻤﺆﻣ ﻨﺔ أو ﻗ ﯿﺎ دﺗ ﮫﺎ ﻣ ﻦ ﻗ ﺒﻞ أ ي ﺷﺨ ﺺ ﺑﺪو ن أ ذ ن اﻟﻤﺆﻣ ﻦ ﻟﻪ‬
: ‫اﻟﺘﻐﯿﯿﺮ‬-3
‫ﺻﺮح ﺑ ﮫﺎ‬ُ ‫ﻋ ﻠﻰ اﻟﻤﺆﱠﻣ ﻦ ﻟ ﮫﻢ إﺷﻌﺎ ر اﻟ ﺸﺮﻛﺔ ﺧﻼل ﻋ ﺸﺮﻳ ﻦ ﻳﻮم ﻋﻤﻞ ﻋ ﻦ أ ي ﺗﻐ ﯿ ﯿﺮ ﺟﻮ ھﺮ ي ﻓﻲ أ ي ﺑ ﯿﺎﻧﺎت‬
‫ وﻋ ﻠﻰ اﻟ ﺸﺮﻛﺔ إ ﺧﻄﺎ ر اﻟﻤﺆﱠﻣ ﻦ ﻟ ﮫﻢ ﻓﻲ ﺣﺎل رﻏ ﺒ ﺘ ﮫﺎ ﻓﻲ زﻳﺎ دة ﻣ ﺒ ﻠﻎ إ ﺿﺎﻓﻲ ﻋ ﻠﻰ اﻟﻘ ﺴﻂ‬، ‫ﻓﻲ ط ﻠﺐ اﻟ ﺘﺄﻣ ﯿ ﻦ‬
‫ وﻋﺪم إ ﺧﻄﺎ ر اﻟ ﺸﺮﻛﺔ ﻟ ﻠﻤﺆﻣ ﻦ ﻟ ﮫﻢ ﺧﻼل‬، ‫ أو إﻋﺎ دة ﺟﺰء ﻣ ﻨﻪ ﻟ ﻠﻤﺆ ﺟﺮ ﻓﻲ ﺣﺎل ﺧﻔ ﺾ اﻟﻘ ﺴﻂ‬، ‫اﻟ ﺘﺄﻣ ﯿ ﻨﻲ‬
.‫ﺧﻤﺲ أﻳﺎم ﻋﻤﻞ ﻳﻌ ﻨﻲ ﻣﻮاﻓﻘ ﺘ ﮫﺎ ﻋ ﻠﻰ اﺳ ﺘﻤﺮا ر اﻟ ﺘﻐﻄ ﯿﺔ ﺑﺬات اﻟﻘ ﺴﻂ اﻟ ﺘﺄﻣ ﯿ ﻨﻲ اﻟﻤ ﺘﻔﻖ ﻋ ﻠ ﯿﻪ ﻋ ﻨﺪ اﻟ ﺘﻌﺎﻗﺪ‬
:‫اﻟﺘﺰاﻣﺎت اﻟ ﻤ ﺆﱠﻣﻦ ﻟﮫﻢ أو اﻟﺴﺎﺋ ﻖ ﻋﻨﺪ وﻗ ﻮع ﺣﺎدث ﻣﻐ ﻄﻰ ﺑ ﻤ ﻮ ﺟﺐ اﻟ ﻮﺛﯿﻘ ﺔ‬-4
، ‫ وﻋﺪم ﻣﻐﺎ د رة ﻣﻮﻗﻊ اﻟﺤﺎ دث إﻟﻰ ﺣ ﯿ ﻦ إﻧ ﮫﺎء اﻹ ﺟﺮاءات‬، ‫إﺑﻼغ اﻟﺠ ﮫﺎت اﻟﻤﺨ ﺘ ﺼﺔ ﻓﻮ ر وﻗﻮع ﺣﺎ دث‬.1
.‫وﻳ ﺴ ﺘ ﺜ ﻨﻰ ﻣ ﻦ ذﻟﻚ اﻟﺤﺎﻻت اﻟ ﺘﻲ ﺗ ﺴ ﺘ ﻠﺰم ﻣﻐﺎ د رة ﻣﻮﻗﻊ اﻟﺤﺎ دث ﻣ ﺜﻞ و ﺟﻮ د إ ﺻﺎﺑﺎت ﺟ ﺴﺪﻳﺔ‬
‫ أو اﻟﺪﻓﻊ أو اﻟ ﺘﻌ ﮫﺪ ﺑﺪﻓﻊ أ ي ﻣ ﺒ ﻠﻎ ﻷ ي طﺮ ف ﻓﻲ‬، ‫ﻋﺪم اﻹﻗﺮا ر ﺑﺎﻟﻤ ﺴ ﺌﻮﻟ ﯿﺔ ﺑﻘ ﺼﺪ اﻹ ﺿﺮا ر ﺑﺎﻟ ﺸﺮﻛﺔ‬.2
.‫اﻟﺤﺎ دث إﻻ ﺑﻌﺪ اﻟﺤ ﺼﻮل ﻋ ﻠﻰ اﻟﻤﻮاﻓﻘﺔ اﻟﻜ ﺘﺎﺑ ﯿﺔ اﻟﻤ ﺴ ﺒﻘﺔ ﻣ ﻦ اﻟ ﺸﺮﻛﺔ‬
‫ وﺗﺤﺮﻳﺮ اﻟﻮﻛﺎﻻت اﻟ ﺸﺮﻋ ﯿﺔ اﻟ ﺘﻲ ﺗﻤﻜ ﻨ ﮫﺎ ﻣ ﻦ اﺗﺨﺎ ذ إ ﺟﺮاءات اﻟﻤﺮاﻓﻌﺔ‬، ‫اﻟ ﺘﻌﺎو ن ﻣﻊ اﻟ ﺸﺮﻛﺔ‬.3
.‫ إ ذا أﺑﺪت رﻏ ﺒ ﺘ ﮫﺎ ﻓﻲ ذﻟﻚ‬، ‫واﻟﻤﺪاﻓﻌﺔ واﻟ ﺘ ﺴﻮﻳﺔ ﻧ ﯿﺎﺑﺔ ﻋ ﻦ اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ أو اﻟ ﺴﺎﺋﻖ‬
‫أ ن ﻳﻘﻮم ﻋ ﻠﻰ ﻧﻔﻘﺔ اﻟ ﺸﺮﻛﺔ ﺑﺠﻤ ﯿﻊ اﻷﻋﻤﺎل اﻟﻼ زﻣﺔ ﻟ ﻀﻤﺎ ن ﺣﻖ اﻟ ﺸﺮﻛﺔ ﻓﻲ ﺗﺤ ﺼ ﯿﻞ أ ي ﻣ ﺒﺎﻟﻎ‬.4
.‫ﺗ ﺴ ﺘﺤﻘ ﮫﺎ ﻣ ﻦ أ ي طﺮ ف آ ﺧﺮ ﻧ ﺘ ﯿﺠﺔ ﺗﻌﻮﻳ ﺾ ﺗﻘﻮم ﺑﺪﻓﻌﻪ ﺑﻤﻘ ﺘ ﺾ ى اﻟﻮﺛ ﯿﻘﺔ‬
‫ﺗ ﺒ ﻠ ﯿﻎ اﻟﺠ ﮫﺎت اﻟﻤﺨ ﺘ ﺼﺔ ﻓﻲ ﺣﺎﻟﺔ اﻟ ﺴﺮﻗﺔ أو أ ي ﻋﻤﻞ ﺟ ﻨﺎﺋﻲ آ ﺧﺮ واﻟ ﺘﻌﺎو ن ﻣﻊ اﻟ ﺸﺮﻛﺔ ﻓﻲ‬.5
.‫إﺛ ﺒﺎت إ داﻧﺔ اﻟﺠﺎﻧﻲ‬
:‫ اﻻ ﺣﺘﯿﺎ ل‬-5
‫ أو اﺳ ﺘﺨﺪام اﻟﻤﺆﱠﻣ ﻦ ﻟﻪ أو‬، ‫ﺗ ﺴﻘﻂ اﻟﺤﻘﻮ ق اﻟ ﻨﺎﺷ ﺌﺔ ﻋ ﻦ اﻟﻮﺛ ﯿﻘﺔ إ ذا اﻧﻄﻮت اﻟﻤﻄﺎﻟ ﺒﺔ اﻟﻤﻘﺪﻣﺔ ﻋ ﻠﻰ ا ﺣ ﺘ ﯿﺎل‬
‫ أو ﻧ ﺘﺠﺖ اﻟﻤ ﺴ ﺌﻮﻟ ﯿﺔ أو اﻟ ﻀﺮ ر ﻣ ﻦ‬، ‫اﻟ ﺴﺎﺋﻖ أﺳﺎﻟ ﯿﺐ أو وﺳﺎﺋﻞ ا ﺣ ﺘ ﯿﺎل ﺑﻐ ﯿﺔ اﻟﺤ ﺼﻮل ﻋ ﻠﻰ ﻣ ﻨﻔﻌﺔ ﻣ ﻦ اﻟﻮﺛ ﯿﻘﺔ‬
‫ وﻟ ﻠ ﺸﺮﻛﺔ اﻟﺮ ﺟﻮع ﻋ ﻠﻰ أ ي‬.‫ﺟﺮاء ﻓﻌﻞ ﻣ ﺘﻌﻤﺪ ﻣ ﻦ اﻟﻤﺆﱠﻣ ﻦ ﻟ ﮫﻢ أو اﻟ ﺴﺎﺋﻖ أو اﻟﻐ ﯿﺮ أو اﻟ ﺘﻮاطﺆ ﻣﻊ أ ي ﻣ ﻨ ﮫﻢ‬
.ً‫طﺮ ف ﻳ ﺘ ﺒ ﯿ ﻦ ﻣ ﺴﺆوﻟ ﯿ ﺘﻪ ﻋ ﻦ ھﺬا اﻻ ﺣ ﺘ ﯿﺎل ﺳﻮاء أﻛﺎ ن ﻣ ﺸﺎ رﻛﺎً أو ﻣ ﺘﻮاط ﺌﺎ‬
:‫اﻹﻟﻐﺎء‬-6
: ‫ﻻ ﻳﺤﻖ ﻟ ﻠ ﺸﺮﻛﺔ وﻻ ﻟ ﻠﻤﺆﻣ ﻦ ﻟ ﮫﻢ إﻟﻐﺎء اﻟﻮﺛ ﯿﻘﺔ ﺑﻌﺪ إ ﺻﺪا ر ھﺎ إﻻ ﻓﻲ اﻟﺤﺎﻻت اﻵﺗ ﯿﺔ‬
.‫إﺳﻘﺎط ﺳﺠﻞ اﻟﻤﺮﻛ ﺒﺔ‬.1
.‫ اﻧ ﺘﻘﺎل ﻣ ﻠﻜ ﯿﺔ اﻟﻤﺮﻛ ﺒﺔ إﻟﻰ ﻣﺎﻟﻚ آ ﺧﺮ‬. 2
ُ ّ
‫ و ﺟﻮ د وﺛ ﯿﻘﺔ ﺗﺄﻣ ﯿ ﻦ ﺑﺪﻳ ﻠﺔ ﺑ ﻨﻔﺲ اﻟ ﺘﻐﻄ ﯿﺎت اﻟﻤ ﺒ ﯿ ﻨﺔ ﻓﻲ ھﺬه اﻟ ﻀﻮاﺑﻂ وﺗﻐﻄﻲ اﻟﻔ ﺘﺮة اﻟﻤ ﺘ ﺒﻘ ﯿﺔ‬. 3
.‫ﻣ ﻦ اﻟﻮﺛ ﯿﻘﺔ اﻟﻤﺰﻣﻊ إﻟﻐﺎؤ ھﺎ‬
. ‫اﻧ ﺘ ﮫﺎء أو إﻟﻐﺎء اﻟﻌﻼﻗﺔ اﻟ ﺘﻌﺎﻗﺪﻳﺔ اﻟ ﺘﻤﻮﻳ ﻠ ﯿﺔ ﻋ ﻠﻰ اﻟﻤﺮﻛ ﺒﺔ ﺑ ﯿ ﻦ اﻟﻤﺆ ﺟﺮ واﻟﻤ ﺴ ﺘﺄ ﺟﺮ‬.4
‫إﻳﺪاع اﻟﻤ ﺒ ﻠﻎ اﻟﻤ ُﺘ ﺒﻘﻲ ﻣ ﻦ اﻟﻘ ﺴﻂ اﻟ ﺘﺄﻣ ﯿ ﻨﻲ ﻓﻲ اﻟﺤ ﺴﺎب اﻟ ﺒ ﻨﻜﻲ اﻟﺨﺎ ص ﺑﻪ ﻋ ﻦ طﺮﻳﻖ رﻗﻢ )اﻵﻳ ﺒﺎ ن ( وﻳ ﺘﻢ‬
‫ و ذﻟﻚ ﺧﻼل ﺛﻼﺛﺔ أﻳﺎم ﻋﻤﻞ ﻣ ﻦ ﺗﺎ رﻳﺦ ﻋ ﻠﻢ اﻟ ﺸﺮﻛﺔ ﺑﺤﺪوث أ ي ﻣ ﻦ‬، ‫إ ﺿﺎﻓ ﺘ ﮫﺎ ﻟﺤ ﺴﺎب اﻟﻤ ﺴ ﺘﺄ ﺟﺮ اﻟ ﺘﺄﻣ ﯿ ﻨﻲ‬
‫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
٢٥ ‫ﻋﺪ د أﻳﺎم اﻟ ﺘﻐﻄ ﯿﺔ اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ ﻛﺎﻣ ﻠﺔ و ﺿﺮب اﻟ ﻨﺎﺗﺞ ﺑﺎﻟﻘ ﺴﻂ اﻟ ﺘﺄﻣ ﯿ ﻨﻲ ﻣﺨ ﺼﻮًﻣﺎ ﻣ ﻨﻪ اﻟﺮﺳﻮم اﻹ دا رﻳﺔ )ﻣ ﺒ ﻠﻎ‬
‫ ﷼ ﻛﺤﺪ أﻗ ﺼﻰ ( = اﻟﻘ ﺴﻂ‬٢٥ ‫ × اﻟﻘ ﺴﻂ ﺑﻌﺪ ﺧ ﺼﻢ اﻟﺮﺳﻮم اﻹ دا رﻳﺔ )ﻣ ﺒ ﻠﻎ‬٣٦٥ / ( ‫اﻷﻳﺎم اﻟﻤ ﺴ ﺘ ﮫ ﻠﻜﺔ‬
. - ‫اﻟﻤ ﺒ ﻠﻎ اﻟﺬ ي ُﻳﻌﺎ د ﻟ ﻠﻤﺆﻣ ﻦ ﻟ ﮫﻢ‬- ‫اﻟﻤ ﺘ ﺒﻘﻲ‬
‫ﻣ ﺘﻌ ﻠﻘﺔ ﺑﺎﻟﻮﺛ ﯿﻘﺔ اﻟُﻤﺮا د إﻟﻐﺎؤ ھﺎ‬- ‫وﻳ ﺴ ﺘ ﺜ ﻨﻰ ﻣ ﻦ إﻟﺰام اﻟ ﺸﺮﻛﺔ دﻓﻊ اﻟﻘ ﺴﻂ اﻟﻤ ﺘ ﺒﻘﻲ ﻓﻲ ﺣﺎل و ﺟﻮ د ﻣﻄﺎﻟ ﺒﺔ‬
.‫ ﺗﺰﻳﺪ ﻗ ﯿﻤ ﺘ ﮫﺎ ﻋ ﻦ ﻗ ﯿﻤﺔ اﻟﻤ ﺒ ﻠﻎ اﻟﻤﻔ ﺘﺮ ض إﻋﺎ دﺗﻪ وﻓﻖ طﺮﻳﻘﺔ اﻟﺤ ﺴﺎب أﻋﻼه‬- ‫وﻋ ﻠﻰ ذات اﻟﻤﺮﻛ ﺒﺔ‬
‫ﺔ‬ ‫ﺌ‬ ‫ﺷ‬ ‫ﺎ‬ ‫ﻨ‬ ‫ﻟ‬ ‫ا‬ ‫ت‬ ‫وﺑﺎﻟﺮﻏﻢ ﻣﻤﺎ ﺗﻘﺪم ﺗﻈﻞ اﻟ ﺸﺮﻛﺔ واﻟﻤﺆﱠﻣ ﻦ ﻟ ﮫﻢ واﻟ ﺴﺎﺋﻖ ﻣ ﻠ ﺘﺰﻣ ﯿ ﻦ ﺑﺄ ﺣﻜﺎم اﻟﻮﺛ ﯿﻘﺔ ﺑ ﺸﺄ ن اﻻﻟ ﺘﺰاﻣﺎ‬
.‫ﻗ ﺒﻞ إﻟﻐﺎﺋ ﮫﺎ‬
:‫ إﺻﺪا ر اﻟ ﻮﺛﯿﻘ ﺔ واﻹﺷﻌﺎ ر ﺑﺎﻟﺘ ﺠﺪﻳﺪ‬-7
‫ﱠ‬
‫ ﻛﺤﺪ‬- ( ‫ ﻳﻮم‬٤٥) ‫ وﻳﺠﺐ ﻋ ﻠﻰ اﻟ ﺸﺮﻛﺔ إﺷﻌﺎ ر اﻟﻤﺆﻣ ﻦ ﻟ ﮫﻢ ﺑ ﺘﺎ رﻳﺦ اﻧ ﺘ ﮫﺎء اﻟﻮﺛ ﯿﻘﺔ ﻗ ﺒﻞ ﻣﻮﻋﺪه ب‬.‫اﻟ ﺘﺄﻣ ﯿ ﻨ ﯿﺔ‬
.‫ ﻟ ﯿ ﺘﻤﻜ ﻨﻮا ﻣ ﻦ ﺗﺠﺪﻳﺪ ھﺎ أو اﻟﺤ ﺼﻮل ﻋ ﻠﻰ وﺛ ﯿﻘﺔ ﻣ ﻦ ﺷﺮﻛﺔ أ ﺧﺮ ى‬- ‫أﻗ ﺼﻰ‬
system of the authorized entity in the collection, m aintenance, and sharing of
insurance inform ation. The Insurer shall notify the Insureds of the ex piry date
of the Policy- (45) days as m ax im um - in advance, in order to enable them to
renew the Policy or replace it with another Policy from another insurance
com pany.