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Definitions
This Section contains the definitions of some words and expressions
used in any of the Policy documents. The following words, phrases
and expressions, wherever they appear in this Policy, shall have the
meanings, which are given below:
Insurance Cover
5. Damage to tyres and wheels and the loss of or damage to wheel caps
unless the Motor Vehicle is lost or damaged at the same time of
accident covered.
1. The insurance provided under this Section, within the limits of its
Terms and Conditions, is hereby extended to cover the liability of any
Authorized Driver whilst he is driving the insured Motor Vehicle,
provided that such Authorized driver shall, as though he were the
Insured, fully observe, fulfil and be subject to all the Terms of the
Policy.
5. The Company will pay all costs and expenses incurred with its
written consent.
Driver.
reimburse the Insured for the actual costs incurred in hiring a motor
this Policy, provided that the sum of indemnity should not exceed the
maximum limit for hiring a car as stated in the Policy Schedule for the
If the Insured adds this extension of cover and pays its additional
1. Death 100,000
treatment 25,000
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other than Saudi Arabia and pays the additional contribution prior to
Egypt, Jordan, Lebanon and Syria in respect of the motor vehicle only
c. In the event of partial loss, the “Towing, Care and Protection Limit”
stated in the Policy Schedule will be applied.
d. In the event of total loss, the Towing, Care and Protection Limit in
respect of GCC countries will be SR 500, Egypt and SR 1500 in
respect of Jordan, Lebanon and Syria (SR 1500).
If the Insured adds this extension of cover to include the drivers who are
less than 24 years old and pays the additional contribution of this
indemnity):
If the Insured adds this extension of cover and pays the additional
its option, pay the total loss indemnity for motor vehicle less than 12
motor vehicle with a new one of the same make and model or pay its
value in cash. The Company will pay the amount estimated for the
6. All claims arising out of this Policy shall be forfeited after the
expiration of three (3) years from the actual date of an
accident.
2. Other Insurances
If at the time any claim arises under this Policy there shall be any
other insurance covering the same liability or expense the
Company shall be liable to pay such liability or expense provided
that the Company shall have the right to take the place of the
Insured against others to recover its respective ratable proportion
of such claim.
3. Alteration
5. Defence or Settlement
8. Claims Procedure
In the event of any accident, which may give rise to a claim under
this Policy, the Insured shall give to the Company fifteen (15)
days notice thereof with full particulars. The Company shall
inspect and examine the Motor Vehicle, which is the subject of
such accident not later than seventy-two (72) hours from the time
of notification of such accident. Every letter, claim, writ, summons
and process, ought to be advised to the Company, shall be
notified and forwarded to the Company immediately on receipt.
Notice shall also be given to the Company immediately the
Insured shall have knowledge of any impending prosecution,
inquest or fatal inquiry in connection with any such occurrence.
9. Fraud
10. Cancellation
11. Notices
12. Subrogation
If there are other insurances from more than one insurer covering
the same liability, the Company shall only be liable to pay in respect
of such liability a portion of the indemnity, expense or fees equal to
the ratio between the insured sum and the insured sums collectively.
17. All claims arising out of this Policy shall be forfeited after the
expiration of three (3) years from the actual date of an
accident or from the date that the Insured knew of such
accident, unless a convincing reason for such delay is
verified.
required for the claims relating to Section (1) and (2) of this Policy.
The claim file will be closed decisively, in case such time limit is
exceeded.
The Insured shall take all reasonable steps to safeguard the Motor
Vehicle from loss or damage and to maintain the Motor Vehicle in an
efficient condition and the Company shall have at all times free and
full access to examine the Motor Vehicle or any part thereof. In the
event of any accident or breakdown, the Motor Vehicle shall not be
left unattended without proper precautions being taken to prevent
further loss, damage or liability and if the Motor Vehicle is driven
before the necessary repairs are effected, any extension of the
damage or any further damage to the Motor Vehicle shall be
excluded from the scope of the indemnity granted by this Policy.