‫اﻟ ﻤ ﺠ ﻤ ﻮ ﻋ ﺔ اﻟ ﻤﺘ ﺤ ﺪ ة ﻟﻠﺘﺄ ﻣﻴ ﻦ اﻟﺘ ﻌﺎ وﻧ ﻲ‬

Allied Cooperative Insurance Group

P/219/5515/24/79446694/00 : ‫ر ﻗ ﻢ ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ‬
Is Age Under 18: No ‫ ﺳﻨﺔ‬18 ‫ﻫﻞ اﻟﻌﻤﺮ ﺗﺤﺖ‬: ‫ل‬ 27/05/2024 04:48:03 AM : ‫أ ﺻ ﺪر ت ﻳ ﻮ م‬
Time in Effect 28/05/2024 04:47:01 AM : ‫ا ﻟ ﺴ ﺮﻳ ﺎ ن‬. ‫ت‬
Coverage will be effective after 24 hrs (‫ ﺳﺎﻋﺔ‬24 ‫)ﻻ ﺗﺴﺮي اﻟﺘﻐﻄﻴﺔ اﻻ ﺑﻌﺪ ﻣﺮور‬
Time in Expiry 27/05/2025 04:47:01 AM : ‫ا ﻻﻧ ﺘ ﻬ ﺎ ء‬. ‫ت‬

Motor Vehicle schedule for TPL Insurance (vehicle/s) (‫ﺟ ﺪ و ل و ﺛﻴ ﻘ ﺔ ﺗ ﺄ ﻣﻴ ﻦ ا ﻟ ﻤ ﺴ ﺆ و ﻟﻴ ﺔ ا ﻟ ﻤ ﺪ ﻧﻴ ﺔ ﺗ ﺠ ﺎ ه ا ﻟ ﻐﻴ ﺮ ) ﻣ ﺮ ﻛﺒ ﺎ ت‬

ID / Name of Insured ‫ا ﺣ ﻤ ﺪ ﻋﻠ ﻲ ﻫ ﺎ د ي آ ل ﺣ ﻴ ﺪ ر‬ ‫ ﻫ ﻮ ﻳ ﺔ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ‬/‫ا ﺳ ﻢ‬
Residence Address/ Establishment Address ‫ ﻋ ﻨ ﻮ ا ن ﻣ ﻘ ﺮ ا ﻟ ﻤ ﻨ ﺸ ﺄ ة ا ﻟ ﺮ ﺋ ﻴ ﺴ ﻲ‬/‫ﻋ ﻨ ﻮ ا ن ا ﻟ ﺴ ﻜ ﻦ‬
District Name ‫ﺣ ﻲ اﻟﻨ ﺨﻴ ﻞ‬ ‫ا ﺳ ﻢ اﻟ ﺤ ﻲ‬ Building No 2556 ‫رﻗ ﻢ اﻟ ﻤﺒﻨ ﻰ‬
Unit No ‫رﻗ ﻢ اﻟ ﻮ ﺣﺪ ة‬ City ‫ﺧ ﻤﻴ ﺲ ﻣ ﺸﻴ ﻂ‬ ‫اﻟ ﻤﺪﻳﻨ ﺔ‬
Street Name ‫ا ﺳ ﻢ اﻟ ﺸﺎ رع‬ Postal Code 62462 ‫اﻟ ﺮ ﻣ ﺰ اﻟﺒ ﺮﻳﺪ ي‬
Mobile No 0555621239 ‫ر ﻗ ﻢ ا ﻟ ﺠ ﻮا ل‬ Additional Code 6281 ‫اﻟ ﺮﻗ ﻢ ا ﻹ ﺿﺎﻓ ﻲ‬
Customer VAT Certificate Number ‫اﻟ ﺮ ﻗ ﻢ اﻟﺘ ﻌ ﺮﻳ ﻔ ﻲ ﻟ ﻀ ﺮﻳﺒ ﺔ اﻟ ﻘﻴ ﻤ ﺔ اﻟ ﻤ ﻀﺎ ﻓ ﺔ ﻟﻠ ﻌ ﻤﻴ ﻞ‬
Wasel Address ‫ﻋﻨ ﻮا ن ﺑ ﺮ ﻳ ﺪ وا ﺻ ﻞ‬
Additional Code ‫اﻟ ﺮﻗ ﻢ ا ﻹ ﺿﺎﻓ ﻲ‬ Building No ‫رﻗ ﻢ اﻟ ﻤﺒﻨ ﻰ‬
District Name ‫ا ﺳ ﻢ اﻟ ﺤ ﻲ‬ City ‫اﻟ ﻤﺪﻳﻨ ﺔ‬
‫ا ﺳ ﻢ اﻟ ﺸﺎ رع‬ Postal Code ‫اﻟ ﺮ ﻣ ﺰ اﻟﺒ ﺮﻳﺪ ي‬
Chassis No KMHGN41EXJU274474 ‫رﻗ ﻢ اﻟ ﻬﻴ ﻜ ﻞ‬ Vehicle Plate No 5723 ‫د ص ا‬ ‫رﻗ ﻢ ﻟ ﻮ ﺣ ﺔ اﻟ ﻤ ﺮﻛﺒ ﺔ‬
Year of Manufacture 2018 ‫ﺳﻨ ﺔ اﻟ ﺼﻨﻊ‬ Body Type ‫ ﺑﺎ ب‬4 ‫ﺳﻴﺎ ر ة ﺻﻐﻴ ﺮ ة‬ ‫ﻧ ﻮع ﻫﻴ ﻜ ﻞ اﻟ ﻤ ﺮﻛﺒ ﺔ‬
Sequence No 738227610 ‫ا ﻟ ﺮ ﻗ ﻢ ا ﻟ ﺘ ﺴﻠ ﺴﻠ ﻲ‬ Make & Model 80 ‫ ﺟﻴﻨﺴﺲ ﺟﻲ‬/ ‫ﻫﻮﻧﺪاي‬ ‫ﻣﺎ ر ﻛ ﺔ اﻟ ﻤ ﺮ ﻛﺒ ﺔ و اﻟ ﻤ ﻮ دﻳ ﻞ‬
Seating Capacity 5 ‫اﻟ ﺴﻌ ﺔ ا ﻹ ر ﻛﺎﺑﻴ ﺔ‬ Color ‫ر ﺻﺎ ﺻ ﻲ‬ ‫ﻟ ﻮ ن اﻟ ﻤ ﺮﻛﺒ ﺔ‬
Custom ID / No ‫رﻗ ﻢ اﻟ ﺠ ﻤﺎ ر ك‬
‫( و ﻻ ﻳﻌﺘﺪ اﻻ ﺑﺄﺧﺮ ﻧﺴﺨﺔ اﺻﻠﻴﺔ ﻣﺨﺘﻮﻣﺔ و ﻣﻮﻗﻌﺔ و ﻻ ﺗﻘﺒﻞ اﻟﻨﺴﺦ اﻟﻤﺼﻮرة أو اﻟﺘﻲ ﻻ ﺗﺤﻤﻞ ﺧﺘﻢ و ﺗﻮﻗﻴﻊ‬١) ‫ﺗﻌﺪ ﻫﺬه اﻟﻨﺴﺨﺔ اﻷﺻﻠﻴﺔ رﻗﻢ‬
Note that the original document will be issued as number (1) & will only be accepted to be verified with Stamp and signed. No other copy will be accepted unless with required
Stamp & signature.
Name of the authorized drivers ‫أ ﺳ ﻤﺎ ء اﻟ ﺴﺎﺋ ﻘﻴ ﻦ‬
DOB / ‫ﺗﺎرﻳﺦ اﻟﻤﻴﻼد‬ ID / ‫رﻗﻢ اﻟﻬﻮﻳﺔ‬ Name / ‫اﻻﺳﻢ‬
10-06-1409 1074357805 ‫ا ﺣ ﻤ ﺪ ﻋﻠ ﻲ ﻫ ﺎ د ي آ ل ﺣ ﻴ ﺪ ر‬

Geographical limits : The kingdom of Saudi Arabia ‫ ا ﻟ ﻤ ﻤ ﻠ ﻜ ﺔ ا ﻟ ﻌ ﺮ ﺑ ﻴ ﺔ ا ﻟ ﺴ ﻌ ﻮ د ﻳ ﺔ‬: ‫ا ﻟ ﺤ ﺪ و د ا ﻟ ﺠ ﻐ ﺮا ﻓ ﻴ ﺔ‬

Limits of liability ‫ﺗ ﺤﺪﻳﺪ اﻟ ﻤ ﺴ ﺆ وﻟﻴ ﺔ‬
In the event of an accident resulting in compensation in accordance with the provisions ‫ﻓ ﻲ ﺣ ﺎ ل و ﻗ ﻮ ع ﺣ ﺎ د ث ﻳ ﺘ ﺮﺗ ﺐ ﻋﻠ ﻴ ﻪ د ﻓ ﻊ ﺗ ﻌ ﻮﻳ ﺾ و ﻓ ﻘ ﺎ ً ﻷ ﺣ ﻜ ﺎ م ﻫ ﺬ ه ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ ﻓ ﺈ ن ا ﻟ ﺤ ﺪ ا ﻷ ﻗ ﺼ ﻰ‬
of this document, the maximum liability of the company in a single accident and during ‫ﻟ ﻤ ﺴ ﺆ و ﻟ ﻴ ﺔ ا ﻟ ﺸ ﺮ ﻛ ﺔ ﻓ ﻲ ا ﻟ ﻮا ﻗ ﻌ ﺔ ا ﻟ ﻮا ﺣ ﺪ ة و ﺧ ﻼ ل ﻓ ﺘ ﺮ ة ﺳ ﺮ ﻳ ﺎ ن و ﺛ ﻴ ﻘ ﺔ ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ ﺑ ﺎ ﻟ ﻨ ﺴ ﺒ ﺔ ﻟ ﻸ ﺿ ﺮا ر‬
the period of validity of the insurance document for Bodily damages(including blood ) ‫ رﻳﺎل‬10,000,000 ‫اﻟﺠﺴﺪﻳﺔ واﻟﻤﺼﺎرﻳﻒ واﻷﺿﺮار اﻟﻤﺎدﻳﺔ ﻣﻌﺎ ً ﻟﻦ ﺗﺘﺠﺎوز ﻣﺒﻠﻐﺎ ً إﺟﻤﺎﻟﻴﺎ ً ﻗﺪره‬
money and the amounts estimated for bodily injuries and medical expenses) and .‫ﻋ ﺸ ﺮ ة ﻣ ﻼﻳﻴ ﻦ رﻳﺎ ل ﺳﻌ ﻮ د ي ( ﻛ ﺤﺪ ٍ أﻗ ﺼ ﻰ ﻟ ﻤ ﺴﺌ ﻮﻟﻴ ﺔ اﻟ ﺸ ﺮ ﻛ ﺔ‬
property damage together would not exceed a total of 10,000,000 SR(Ten million ‫ ﻳ ﺠ ﺐ ﻋ ﻠ ﻰ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ ن ﻻ ﻳ ﺴ ﺘ ﻌ ﻤ ﻞ ا ﻟ ﻤ ﺮ ﻛ ﺒ ﺔ إ ﻻ ﻟ ﻠ ﻐ ﺮ ض ا ﻟ ﻤ ﺮ ﺧ ﺺ ﻣ ﻦ أ ﺟ ﻠ ﻪ‬:‫ﻗ ﻴ ﻮ د ا ﻻ ﺳ ﺘ ﻌ ﻤ ﺎ ل‬
riyals), the maximum liability of the company. ‫ و ﺳ ﻴ ﺎ را ت ا ﻟ ﻠ ﻴ ﻤ ﻮ ز ﻳ ﻦ‬، ‫ و ﺳ ﻴ ﺎ را ت ا ﻷ ﺟ ﺮ ة‬، ‫ﻻ ﺗ ﻐ ﻄ ﻲ ﻫ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ا ﻟ ﺴ ﻴ ﺎ را ت ا ﻟ ﻤ ﺴ ﺘ ﺄ ﺟ ﺮ ة‬
Restrictions:The vehicle should be used for the permitted usage only
This policy is not covering rent a car & taxi / limousine
Annual Contribution 834.85 SAR ‫ رﻳﺎل ﺳﻌﻮدي‬834.85 ‫ا ﻹ ﺷ ﺘ ﺮا ك ا ﻟ ﺴ ﻨ ﻮ ي‬
Admin Fees 0.00 SAR ‫ رﻳﺎل ﺳﻌﻮدي‬0.00 ‫ا ﻟ ﻤ ﺼ ﺎ ر ﻳ ﻒ ا ﻹ دا ر ﻳ ﺔ‬
Additional Age Contribution SAR ‫رﻳﺎ ل ﺳﻌ ﻮ د ي‬ ‫اﻟﻌ ﻤ ﺮ ا ﻹ ﺿﺎﻓ ﻲ‬
Personal Accident to Driver SAR ‫رﻳﺎ ل ﺳﻌ ﻮ د ي‬ ‫ﻣ ﻨ ﻔ ﻌ ﺔ ا ﻟ ﺤ ﻮا د ث ا ﻟ ﺸ ﺨ ﺼ ﻴ ﺔ ﻟ ﻠ ﺴ ﺎ ﺋ ﻖ‬
Personal Accident to Passengers SAR ‫رﻳﺎ ل ﺳﻌ ﻮ د ي‬ ‫ﻣ ﻨ ﻔ ﻌ ﺔ ا ﻟ ﺤ ﻮا د ث ا ﻟ ﺸ ﺨ ﺼ ﻴ ﺔ ﻟ ﻠ ﺮ ﻛ ﺎ ب‬
Additional loading (Due to accidents) SAR ‫رﻳﺎ ل ﺳﻌ ﻮ د ي‬ ‫اﻟﻘ ﺴ ﻂ ا ﻹ ﺿﺎﻓ ﻲ ﻧﺘﻴ ﺠ ﺔ اﻟ ﺤﺎد ث‬
No ClaimDiscount (10.00 % ) 83.49 SAR ‫ رﻳﺎل ﺳﻌﻮدي‬83.49 ( % 10.00) ‫ﺧ ﺼ ﻢ ﻋﺪ م و ﺟ ﻮ د ﻣ ﻄﺎﻟﺒﺎ ت‬
Loyality Discount () SAR ‫رﻳﺎ ل ﺳﻌ ﻮ د ي‬ () ‫ﺧ ﺼ ﻢ ﻟﻠ ﻮ ﻻ ء‬
Renewal Total SAR ‫رﻳﺎ ل ﺳﻌ ﻮ د ي‬ ‫إ ﺟ ﻤﺎﻟ ﻲ اﻟﺘ ﺠﺪﻳﺪ‬
Special Discount SAR ‫ر ﺳﻌ ﻮ د ي‬ ‫اﻟ ﺨ ﺼ ﻢ‬
Premium (Excl. VAT) 751.36 SAR ‫ ر ﺳﻌﻮدي‬751.36 ‫ا ﻹ ﺟ ﻤﺎﻟ ﻲ ﺑﺪ و ن اﻟ ﻀ ﺮﻳﺒ ﺔ‬
VAT (15.00) 112.70 SAR ‫ ر ﺳﻌﻮدي‬112.70 (15.00) ‫ﺿ ﺮﻳﺒ ﺔ اﻟﻘﻴ ﻤ ﺔ اﻟ ﻤ ﻀﺎﻓ ﺔ‬
UPR VAT 751.36 SAR ‫ ر ﺳﻌﻮدي‬751.36 UPR VAT
Total 864.06 SAR ‫ ر ﺳﻌﻮدي‬864.06 ‫ا ﻹ ﺟ ﻤﺎﻟ ﻲ‬
www.acig.com.sa ‫ﻳﻤﻜﻨﻚ ﺗﺤﺪﻳﺚ ﺑﻴﺎﻧﺎﺗﻚ ﻣﻦ ﺧﻠﻞ زﻳﺎرة ﻣﻮﻗﻊ أﺳﻴﺞ اﻟﻠﻜﺘﺮوﻧﻲ‬
‫اﻟ ﻤ ﺠ ﻤ ﻮ ﻋ ﺔ اﻟ ﻤﺘ ﺤ ﺪ ة ﻟﻠﺘﺄ ﻣﻴ ﻦ اﻟﺘ ﻌﺎ وﻧ ﻲ‬
‫‪Allied Cooperative Insurance Group‬‬

‫‪Cash Receipt‬‬ ‫ﺳﻨﺪ ﻗﺒ ﺾ ﻧ ﻘﺪ ي‬

‫‪Amount Received from Client‬‬ ‫‪(Including Commission) 864.06 SAR‬‬ ‫‪ 864.06‬رﻳﺎل ﺳﻌﻮدي )ﺷﺎﻣﻞ اﻟﻌﻤﻮﻟﺔ(‬ ‫ا ﺳ ﺘ ﻤﻠ ﺖ ﻣ ﻦ ا ﻟ ﻤ ﺬ ﻛ ﻮ ر أ ﻋ ﻼ ه ﻣ ﺒﻠ ﻎ‬
‫‪Commission Excluding VAT‬‬ ‫‪15.03 SAR‬‬ ‫‪ 15.03‬ر ﺳﻌﻮدي‬ ‫اﻟﻌ ﻤ ﻮﻟ ﺔ ﺑﺪ و ن اﻟ ﻀ ﺮﻳﻨ ﺔ‬
‫‪VAT on Commission‬‬ ‫ﺿ ﺮﻳﺒ ﺔ اﻟﻘﻴ ﻤ ﺔ اﻟ ﻤ ﻀﺎﻓ ﺔ‬
‫‪Total Commission‬‬ ‫‪15.03 SAR‬‬ ‫‪ 15.03‬ر ﺳﻌﻮدي‬ ‫إ ﺟ ﻤﺎﻟ ﻲ اﻟﻌ ﻤ ﻮﻟ ﺔ‬
‫‪Commission Percentage‬‬ ‫‪2%‬‬ ‫‪%2‬‬ ‫ا ﻟ ﻨ ﺴ ﺒ ﺔ ا ﻟ ﻤ ﺌ ﻮﻳ ﺔ ﻟﻠ ﻌ ﻤ ﻮ ﻟ ﺔ‬
‫‪Broker Name‬‬ ‫‪TAMEENI‬‬ ‫‪TAMEENI‬‬ ‫ا ﺳ ﻢ ا ﻟ ﻮ ﻛ ﻴ ﻞ‪ /‬ا ﻟ ﻮ ﺳ ﻴ ﻂ‬
‫‪Broker VAT Registration No‬‬ ‫رﻗ ﻢ ﺗ ﺴ ﺠﻴ ﻞ اﻟ ﻀ ﺮﻳﺒ ﺔ‬
‫‪Recipient‬‬ ‫‪Signature‬‬ ‫ا ﻟ ﻤ ﺴ ﺘﻠ ﻢ‬
‫‪Insured name & signature‬‬ ‫ا ﺳ ﻢ و ﺗ ﻮﻗﻴﻊ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ‬
‫‪: TAMEENI‬ﻧﻘﻄﺔ اﻟﺒﻴﻊ‪POS/‬‬ ‫‪/:RIYADH‬ﻣﺪﻳﻨﺔ ‪City‬‬ ‫‪/: TAMEENI‬اﻟﺒﺎﺋﻊ ‪Salesman‬‬
‫‪VAT Provisions:‬‬ ‫أ ﺣ ﻜﺎ م ﺿ ﺮﻳﺒ ﺔ اﻟ ﻘﻴ ﻤ ﺔ اﻟ ﻤ ﻀﺎ ﻓ ﺔ‪:‬‬

‫‪1. If the policy is issued by ACIG on or after May 11, 2020 then the applicable VAT will‬‬ ‫‪.1‬إذا ﺗﻢ إﺻﺪار اﻟﻮﺛﻴﻘﺔ ﻣﻦ ﻗﺒﻞ ﺷﺮﻛﺔ اﻟﻤﺠﻤﻮﻋﺔ اﻟﻤﺘﺤﺪة ﻟﻠﺘﺄﻣﻴﻦ اﻟﺘﻌﺎوﻧﻲ ) أﺳﻴﺞ( ﺑﺘﺎرﻳﺦ ‪ 11‬ﻣﺎﻳﻮ‬
‫‪be 15% for the policy portion starting 1 July 2020.‬‬ ‫‪2020‬م أو ﺑﻌﺪ ﻫﺬا اﻟﺘﺎرﻳﺦ ‪ ،‬ﻓﺴﺘﻜﻮن ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ اﻟﻤﻌﻤﻮل ﺑﻬﺎ ‪ ٪15‬ﻟﻠﻔﺘﺮة اﻟﻤﺘﺒﻘﻴﺔ ﻣﻦ‬
‫اﻟﻮﺛﻴﻘﺔ ﺑﺪاﻳﺔ ﻣﻦ ‪ 1‬ﻳﻮﻟﻴﻮ ‪.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.‬‬ ‫‪.2‬اﻷﺳﻌﺎر ﻻ ﺗﺸﻤﻞ ﻓﺮق ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ ﻟﻔﺘﺮة اﻟﺘﻐﻄﻴﺔ ﺑﺪءا ً ﻣﻦ ‪1‬ﻳﻮﻟﻴﻮ ‪ ، 2020‬ﺣﻴﺚ‬
‫ﺳﻮف ﻳﺘﻢ ﺗﺤﺼﻴﻠﻬﺎ اﺑﺘﺪاءا ﻣﻦ ‪ 1‬ﻳﻮﻟﻴﻮ ‪ 2020‬م‬
‫‪7121 Al Amir Turki Ibn Abdula Aziz Al-Awal Road - Hiteen Dist. RIYADH 13512 - 2305‬‬ ‫‪ 7121‬ﻃﺮﻳﻖ اﻟﻤﻴﺮ ﺗﺮﻛﻲ ﺑﻦ ﻋﺒﺪاﻟﻌﺰﻳﺰ اﻟﻮل ‪ -‬ﺣﻲ ﺣﻄﻴﻦ اﻟﺮﻳﺎض ‪ 13512 - 2305‬اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ‬
‫‪Kingdom of Saudi Arabia P.O. Box 40523 Riyadh 11511‬‬ ‫اﻟﺴﻌﻮدﻳﺔ ص ‪.‬ب ‪ 40523‬اﻟﺮﻳﺎض ‪11511‬‬
‫‪Tel : +966 11 485 2626‬‬ ‫‪Fax : +966 11 485 2727‬‬ ‫ﻫﺎﺗﻒ ‪+966 11 485 2727 :‬‬ ‫ﻓﺎﻛﺲ ‪+966 11 485 2626 :‬‬
‫‪ACIG VAT Registration Number‬‬ ‫‪300007361200003‬‬ ‫‪300007361200003‬‬ ‫ر ﻗ ﻢ ﺗ ﺴ ﺠﻴ ﻞ ﺿ ﺮﻳﺒ ﺔ اﻟ ﻘﻴ ﻤ ﺔ اﻟ ﻤ ﻀﺎ ﻓ ﺔ ‪-‬‬
‫أ ﺳﻴ ﺞ‬
‫ﻳﻤﻜﻨﻚ ﺗﺤﺪﻳﺚ ﺑﻴﺎﻧﺎﺗﻚ ﻣﻦ ﺧﻠﻞ زﻳﺎرة ﻣﻮﻗﻊ أﺳﻴﺞ اﻟﻠﻜﺘﺮوﻧﻲ ‪www.acig.com.sa‬‬
Unified Policy for Compulsory Motor Insurance ‫ا ﻟ ﻮ ﺛﻴ ﻘ ﺔ ا ﻟ ﻤ ﻮ ﺣ ﺪ ة ﻟﻠﺘ ﺄ ﻣﻴ ﻦ ا ﻹ ﻟ ﺰا ﻣ ﻲ ﻋﻠ ﻰ ا ﻟ ﻤ ﺮ ﻛﺒ ﺎ ت‬

In the name of Allah the Entirely Merciful, the Specially Merciful, peace and blessings ‫ﺑ ﺴ ﻢ اﻟﻠ ﻪ اﻟ ﺮ ﺣ ﻤ ﻦ اﻟ ﺮ ﺣﻴ ﻢ‬
be upon the one sent by Allah as a Mercy to the worlds – The best of the creation and
upon his household and his companions who followed him – our Prophet Mohammed ‫وا ﻟ ﺼ ﻼ ة وا ﻟ ﺴ ﻼ م ﻋ ﻠ ﻰ ﻣ ﻦ ﺑ ﻌ ﺜ ﻪ ا ﻟ ﻠ ﻪ ر ﺣ ﻤ ﺔ ﻟ ﻠ ﻌ ﺎ ﻟ ﻤ ﻴ ﻦ ﺳ ﻴ ﺪ ا ﻟ ﺨ ﻠ ﻖ ﻧ ﺒ ﻴ ﻨ ﺎ ﻣ ﺤ ﻤ ﺪ ﺑ ﻦ ﻋ ﺒ ﺪ ا ﻟ ﻠ ﻪ و ﻋ ﻠ ﻰ آ ل‬
bin Abdullah with the best till the day of judgment. Thereafter…. : ‫ﺑ ﻴ ﺘ ﻪ و ﺻ ﺤ ﺒ ﻪ ا ﻟ ﻄ ﻴ ﺒ ﻴ ﻦ وآ ﻟ ﻬ ﻢ ﺑ ﺈ ﺣ ﺴ ﺎ ن إ ﻟ ﻰ ﻳ ﻮ م ا ﻟ ﺪ ﻳ ﻦ أ ﻣ ﺎ ﺑ ﻌ ﺪ‬

INTRODUCTION ‫ﻣ ﻘ ﺪ ﻣــــــ ﺔ‬

In accordance with its Articles of Association, as a company operating under the terms ‫ ا ﻟ ﺼ ﺎ د ر ﺑ ﻤ ﻮ ﺟ ﺐ ا ﻟ ﻤ ﺮ ﺳ ﻮ م‬، ‫ و ﻓ ﻘ ﺎ ً ﻟ ﻨ ﻈ ﺎ م ﻣ ﺮا ﻗ ﺒ ﺔ ﺷ ﺮ ﻛ ﺎ ت ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ ا ﻟ ﺘ ﻌ ﺎ و ﻧ ﻲ‬، ‫ﺑ ﻤ ﻮ ﺟ ﺐ ﻧ ﻈ ﺎ ﻣ ﻬ ﺎ ا ﻷ ﺳ ﺎ ﺳ ﻲ‬
of the Law on Supervision of Cooperative Insurance Companies promulgated by Royal ‫ ﺗﻘﻮم ﺷـﺮﻛﺔ اﻟﻤﺠﻤﻮﻋـﺔ اﻟﻤﺘﺤـﺪة ﻟﻠﺘـﺄﻣﻴﻦ اﻟﺘﻌـﺎوﻧﻲ‬، ‫ﻫـ‬1424/06/02‫ وﺗـﺎرﻳﺦ‬32 /‫اﻟﻤﻠﻜﻲ رﻗـــﻢ م‬
Decree No. M/32 dated 02/06/1424H, the Allied Cooperative Insurance Group (the ‫ واﻵﺧﺮ‬،‫ أﺣـﺪﻫﻤﺎ ﺣﺴﺎب ﻣﺴﺎﻫﻤﻲ اﻟﺸـﺮﻛﺔ‬،‫ ﺑﺈدارة ﺣﺴـﺎﺑﻴﻦ ﻣﻨﻔﺼـﻠﻴﻦ‬،‫)اﻟﺸـﺮﻛﺔ( ﺑﺼـﻔﺘﻬﺎ ﻣـﺪﻳًﺮا‬
Company), in its capacity as a manager, will manage two separate accounts: the ، ‫ و ﺗ ﻘ ﻴ ﺪ ا ﻟ ﺸ ـ ﺮ ﻛ ﺔ ﻓ ﻲ ﺣ ﺴ ـ ﻠ ﺐ ﺣ ﻤ ﻠ ﺔ ا ﻟ ﻮ ﺛ ﺎ ﺋ ﻖ‬.( ‫ﺣ ﺴ ﺎ ب ﺣ ﻤ ﻠ ـ ﺔ و ﺛ ﺎ ﺋ ﻖ ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ ا ﻟ ﻤ ﺸ ﺘ ﺮ ﻛ ﻴ ﻦ )ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻬ ﻢ‬
shareholders account, and the policyholder's; account. The company records on ‫ و ﻧ ﺼ ـ ـ ﻴ ﺐ ﻫ ـ ﺬا ا ﻟ ﺤ ﺴ ـ ﺎ ب ﻣ ـ ﻦ ﻋ ـ ﺎ ﺋ ﺪ‬، ‫ا ﻻ ﺷ ﺘ ﺮا ﻛ ـ ﺎ ت وا ﻹ ـ ﻳ ﺮا دا ت ا ﻟ ﻤ ﺘ ﻨ ﻮ ﻋ ـ ﺔ ا ﻟ ﺨ ﺎ ﺻ ـ ﺔ ﺑ ﻌ ﻤ ﻠ ﻴ ـ ﺎ ت ا ﻟ ﺘ ـ ﺄ ﻣ ﻴ ﻦ‬
policyholder's; account, all Policyholder's contributions, insurance expenses and ‫ و ذ ﻟ ﻚ ﻧ ﻈ ﻴ ﺮ ﺣ ﺼ ﺔ ﻓ ﻲ‬، ‫ و ﺟ ﻤ ﻴ ﻊ ﺣ ﻘ ﻮ ق ﺣ ﻤ ﻠ ﺔ ا ﻟ ﻮ ﺛ ﺎ ﺋ ﻖ وا ﻟ ﺘ ﺰا ﻣ ﺎ ﺗ ﻬ ﻢ‬، ‫ا ﺳ ـ ﺘ ﺜ ﻤ ﺎ را ت أ ﻣ ﻮا ل ﻋ ﻤ ﻠ ﻴ ﺎ ت ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ‬
revenues, policyholder's share of investment returns, and all rights and obligations of ‫ ا ﻟ ﻔ ﺎ ﺋ ﺾ ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻨ ﻲ ا ﻟ ﺼ ﺎ ﻓ ﻲ‬، ‫ و ﺗ ﺤـ ﺪ د ا ﻟ ﺸـ ﺮ ﻛ ﺔ ﻓ ﻲ ﻧ ﻬ ﺎ ﻳ ﺔ ﻛ ﻞ ﺳـ ﻨ ﺔ ﻣ ﺎ ﻟ ﻴ ﺔ‬. ‫ﺻ ﺎ ﻓ ﻲ ﻓ ﺎ ﺋ ﺾ ﻋ ﻤ ﻠ ﻴ ﺎ ت ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ‬
policyholders. In return of its management of the policyholder accounts, the company ‫ﻟ ﻌ ﻤ ﻠ ﻴ ـ ﺎ ت ا ﻟ ﺘ ـ ﺄ ﻣ ﻴ ﻦ ﺑ ﻌ ـ ﺪ ﺧ ﺼ ﻢ ا ﻟ ﻤ ﺼ ـ ﺎ ر ﻳ ﻒ ا ﻟ ﺘ ﺴ ﻮ ﻳ ﻘ ﻴ ـ ﺔ وا ﻹ دا ر ﻳ ـ ﺔ وا ﻟ ﺘ ﺸ ـ ﻐ ﻴ ﻠ ﻴ ﺔ ا ﻟ ﻤ ﺘ ﻜ ﺒ ﺪ ة ﺑ ﺴ ـ ﺒ ﺐ إ دا ر ة‬
shares a portion of the net surplus of the policyholder's account. The Company decides ‫ﻘـﺎ ﻟﻼﺋﺤـﺔ اﻟﺘﻨﻔﻴﺬﻳـﺔ ﻟﻨﻈﺎم ﻣﺮاﻗﺒﺔ‬ ً ‫ و ﻓ‬، ‫ و ﺗ ﻘ ﻮ م ا ﻟ ﺸ ـ ﺮ ﻛ ﺔ‬. ‫ا ﻟ ﺸ ـ ﺮ ﻛ ﺔ ﻟ ﻠ ﻌ ﻤ ﻠ ﻴ ـ ﺎ ت ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻨ ﻴ ـ ﺔ وا ﻻ ﺳ ـ ﺘ ﺜ ﻤ ﺎ ر ﻳ ﺔ‬
at the end of each financial year the percentage of the net surplus to be shared from ‫ ﻟﺤﻤﻠﺔ اﻟﻮﺛﺎﺋﻖ ﻣﺒﺎﺷـﺮة أو ﺑﺘﺨﻔﻴﺾ‬%10 ‫ ﺑﺘﻮزﻳﻊ اﻟﻔﺎﺋﺾ اﻟﺘﺄﻣﻴﻨﻲ اﻟﺼﺎﻓﻲ ﺑﻨﺴﺒﺔ‬،‫ﺷﺮﻛـﺎت اﻟﺘﺄﻣﻴﻦ‬
Policyholder's surplus after deducting all operational, marketing, and administrative ‫ إﻟﻰ ﻗﺎﺋﻤﺔ دﺧﻞ اﻟﻤﺴﺎﻫﻤﻴﻦ ﻧﻈﻴﺮ إدارﺗﻬﺎ ﻟﻌﻤﻠﻴﺎت‬% 90 ‫ وﺗﺮﺣﻴﻞ ﻣﺎ ﻧﺴﺒﺘﻪ‬،‫أﻗﺴﺎﻃﻬﻢ ﻟﻠﺴﻨﺔ اﻟﺘﺎﻟﻴﺔ‬
expenses resulted from the management of the Company. As per the implementing ‫ ﻛﻤـﺎ ﺗﻘـﻮم اﻟﺸــﺮﻛﺔ ﺑﻀـﻤﺎن أي ﻋﺠﺰ ﻓﻲ ﺣﺴـﺎب ﺣﻤﻠـﺔ اﻟﻮﺛـﺎﺋﻖ ﺗﻌﺎوﻧ ًـﺎ ﻣﻌﻬـﻢ ﻋﻠﻰ درء‬،‫اﻟﺘـﺄﻣﻴﻦ‬
regulations of the Law on Supervision of Cooperative Insurance Companies, the .‫ا ﻷ ﺧ ﻄﺎ ر‬
Company distributes a minimum of 10 % of the net annual surplus arising from the
insurance operations to the Policyholders and transfers the balance to the income
statement of the shareholders.

The Insured named in the Schedule by completing a corresponding proposal and ‫و ﺣ ﻴ ﺚ أ ن ا ﻟ ﻤ ـ ﺆ ﻣ ﻦ ﻟ ﻪ ا ﻟ ﻤ ﺬ ﻛ ﻮ ر ﺑ ﺠ ﺪ و ل ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ﻗ ـ ﺪ وا ﻓ ﻖ ﻋ ﻠ ﻰ ا ﻟ ﻌ ﺮ ض و ﻗ ﺪ م إ ﻗ ﺮا را ﻣ ﻜ ﺘ ﻮ ﺑ ﺎ ً ﻟ ﻠ ﺸ ﺮ ﻛ ﺔ‬

written declaration,and which shall be the basis of Contract and deemed to be ‫واﻟـﺬي ﻳﻤﺜـﻞ اﻷﺳﺎس ﻟﻬـﺬا اﻟﻌﻘـﺪ وﻳﻌﺘﺒﺮ ﻣﻜﻤﻞ ﻟﻬـﺬه اﻟﻮﺛﻴﻘـﺔ و ﻗﺪ ﻃﻠـﺐ اﻟﺘـﺄﻣﻴﻦ ﻋﻠﻰ اﻟﻤﺮﻛﺒـﺔ‬
incorporated in this Policy, has applied to the Company for the insurance hereinafter . ‫ﺣ ﺴ ﺐ ا ﻟ ﺸ ﺮ و ط وا ﻟ ﺒ ﻨ ﻮ د ا ﻟ ﻤ ﻮ ﺿ ﺤ ﺔ أ د ﻧ ﺎ ه‬
contained.

Allied Cooperative Insurance Group (hereinafter called the Company) after receiving ‫و ﺣ ﻴــ ﺚ أ ن ا ﻟ ﻤ ﺠ ﻤ ﻮ ﻋـــ ﺔ ا ﻟ ﻤ ﺘ ﺤـــ ﺪ ة ﻟ ﻠ ﺘــ ﺄ ﻣ ﻴ ﻦ ا ﻟ ﺘ ﻌــ ﺎ و ﻧ ﻲ ) و ﻳ ﺸــ ﺎ ر إ ﻟ ﻴ ﻬــ ﺎ ﻓ ﻴ ﻤــ ﺎ ﺑ ﻌــ ﺪ ﺑ ﺎ ﻟ ﺸــ ﺮ ﻛ ﺔ ( ﻗ ﺪ‬
payment of the premium required from the Insured, hereby agrees to compensate the ‫ا ﺳ ﺘ ﻠ ﻤ ﺖ ا ﻻ ـ ﺷ ﺘ ﺮا ك ا ﻟ ﻤ ﻘ ﺮ ر ﻣ ﻦ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﺑ ـ ﺬ ﻟ ﻚ ﺗ ﻜ ـ ﻮ ن ﻗ ـ ﺪ وا ﻓ ﻘ ﺖ أ ن ﺗ ﻌ ـ ﻮ ض ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻋ ﻦ ﺗ ﻠ ﻚ‬
Insured of such accidents defined under this policy, occurring during the period of ‫ وإ ﺛ ﻨ ﺎ ء ا ﺳ ﺘ ﻌ ﻤ ﺎ ل ا ﻟ ﻤ ﺮ ﻛ ﺒ ﺔ‬، ‫ وا ﻟ ﺘ ﻲ ﺗ ﻘ ﻊ ﺧ ﻼ ل ﻓ ﺘ ﺮ ة ﺳ ـ ﺮ ﻳ ﺎ ن ا ﻟ ﻮ ﺛ ﻴ ﻘ ـ ﺔ‬، ‫ا ﻟ ﺤ ﻮا د ث ا ﻟ ﻤ ﻮ ﺿ ـ ﺤ ﺔ ﺑ ﻬ ـ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ـ ﺔ‬
Insurance, from the use of the insured motor vehicle within the geographical area ‫ا ﻟ ﻤ ﺆ ﻣ ﻨ ـ ﺔ ﻓ ﻲ ﺣ ﺪ و د ا ﻟ ﻤ ﻨ ﻄ ﻘ ﺔ ا ﻟ ﺠ ﻐ ﺮا ﻓ ﻴ ﺔ ا ﻟ ﻤ ﻮ ﺿ ـ ﺤ ﺔ ﺑ ﺠ ﺪ و ل ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ و و ﻓ ﻘ ﺎ ً ﻟ ﺸ ﺮ و ط و ﺑ ﻨ ﻮ د وا ﺳ ﺘ ﺜ ﻨ ﺎ ءا ت‬
stated in the schedule and subject to the terms, exceptions and conditions contained .( ‫ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ أ و ا ﻟ ﻤ ﻼ ﺣ ﻖ ا ﻟ ﻤ ﻠ ﺤ ﻘ ﺔ ﺑ ﻬ ﺎ ) و ﻳ ﺸ ﺎ ر ا ﻟ ﻴ ﻬ ﺎ ﻓ ﻲ ﻣ ﺠ ﻤ ﻠ ﻬ ﺎ ﺷ ﺮ و ط ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ‬
herein or endorsed hereon (hereinafter collectively referred to as the Terms of this
Policy).

This policy was issued on the basis of Royal Decree No. 271 dated 20/12/1427 AH on ‫ﻫـ ﺑﺸﺄن‬1427/12/20 ‫ وﺗﺎرﻳـﺦ‬271 ‫ﺻـﺪرت ﻫـﺬه اﻟﻮﺛﻴﻘـﺔ اﺳـﺘﻨﺎدا ً إﻟﻰ اﻷـﻣﺮ اﻟﺴﺎﻣﻲ اﻟﻜﺮﻳﻢ رﻗﻢ‬
Compulsory motor insurance and the Cooperative Insurance Companies Control Law ‫ا ﻟ ﺘ ـ ﺄ ﻣ ﻴ ﻦ ا ﻹ ـ ﻟ ﺰا ﻣ ﻲ ﻋ ﻠ ﻰ ا ﻟ ﻤ ﺮ ﻛ ﺒ ـ ﺎ ت و ﻧ ﻈ ـ ﺎ م ﻣ ﺮا ﻗ ﺒ ـ ـ ﺔ ﺷ ﺮ ﻛ ـ ﺎ ت ا ﻟ ﺘ ـ ﺄ ﻣ ﻴ ﻦ ا ﻟ ﺘ ﻌ ـ ﺎ و ﻧ ﻲ ا ﻟ ﺼ ـ ﺎ د ر ﺑ ﺎ ﻟ ﻤ ﺮ ﺳ ﻮ م‬
issued by Royal Decree No. M / 32 dated 02/06/1424H, and amended by Royal Decree ‫ وﺗﺎرﻳﺦ‬30/‫ﻤﻌـﺪل ﺑﻤـﻮﺟﺐ اﻟﻤﺮﺳﻮم اﻟﻤﻠﻜﻲ رﻗﻢ م‬ ُ ‫ واﻟ‬، ‫ﻫـ‬1424/06/02 ‫ وﺗﺎرﻳـﺦ‬32/‫اﻟﻤﻠﻜﻲ رﻗـﻢ م‬
No. M / 30 dated 27/05/1434 AH, and its implementing regulations issued pursuant to ‫ وﺗـﺎرﻳﺦ‬596/1 ‫ وﻻـــﺋﺤﺘﻪ اﻟﺘﻨﻔﻴﺬﻳــﺔ اﻟﺼــﺎدرة ﺑﻤــﻮﺟﺐ ﻗﺮار وزﻳﺮ اﻟﻤﺎﻟﻴــﺔ رﻗــﻢ‬،‫ﻫـ‬1434/05/27
the decision of the Minister of Finance No. 1/596 dated 01/03/1425 H. .‫ﻫـ‬1425/03/01

Article 1: Unified Policy for Compulsory Motor Insurance ‫ ا ﻟ ﻮ ﺛﻴ ﻘ ﺔ ا ﻟ ﻤ ﻮ ﺣ ﺪ ة ﻟﻠﺘ ﺄ ﻣﻴ ﻦ ا ﻹ ﻟ ﺰا ﻣ ﻲ ﻋﻠ ﻰ ا ﻟ ﻤ ﺮ ﻛﺒ ﺎ ت‬: ‫ا ﻟ ﻤ ﺎ د ة ا ﻷ و ﻟ ﻰ‬

This policy specifies the minimum mandatory insurance for vehicles to cover civil ‫ﺗ ﺤ ـ ﺪ د ﻫ ـ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ـ ﺔ ا ﻟ ﺤ ـ ﺪ ا ﻷ د ﻧ ﻰ ﻟ ﻠ ﺘ ﺄ ﻣ ﻴ ﻦ ا ﻹ ﻟ ﺰا ﻣ ﻲ ﻋ ﻠ ﻰ ا ﻟ ﻤ ﺮ ﻛ ﺒ ﺎ ت ﻟ ﺘ ﻐ ﻄ ﻴ ـ ﺔ ا ﻟ ﻤ ﺴ ﺆ و ﻟ ﻴ ﺔ ا ﻟ ﻤ ﺪ ﻧ ﻴ ﺔ ﺗ ﺠ ﺎ ه‬
liability to third parties in accordance with the terms, conditions and exceptions, ‫ وﻳ ُﺤﻈﺮ ﻋﻠﻰ ﺷـﺮﻛﺔ‬،‫اﻟﻐﻴﺮ ﻃﺒﻘـﺎ ً ﻟﻸﺣﻜـﺎم واﻟﺸـﺮوط واﻻﺳـﺘﺜﻨﺎءات اﻟـﻮاردة ﻓﻴﻬـﺎ أو اﻟﻤﻠﺤﻘـﺔ ﺑﻬـﺎ‬
contained herein or attached hereto and prohibits the Insurance Company and the .‫ﻤﺎ ﺟﺎء ﻓ ﻲ ﻫﺬ ه اﻟ ﻮﺛﻴﻘ ﺔ‬ ّ ‫ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ وا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ا ﻻ ﺗ ﻔ ﺎ ق ﻋ ﻠ ﻰ ﺗ ﺨ ﻔ ﻴ ﺾ ﺣ ﺪ و د ا ﻟ ﻤ ﺴ ﺌ ﻮ ﻟ ﻴ ﺔ ﻋ‬
Insured to agree to reduce the limits of liability for what is stated in this policy.

Article 2: Definitions ‫اﻟﺘﻌﺮﻳﻔﺎت‬:‫اﻟﻤﺎدة اﻟﺜﺎﻧﻴﺔ‬

The following words, phrases and expressions, wherever stated in this policy, shall ‫ﻳ ﻘ ﺼ ﺪ ﺑ ﺎ ﻟ ﻜ ﻠ ﻤ ﺎ ت وا ﻟ ﻌ ﺒ ﺎ را ت ا ﻵ ﺗ ﻴ ﺔ أ ﻳ ﻨ ﻤ ﺎ و ر د ت ﻓ ﻲ ﻫ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ا ﻟ ﻤ ﻌ ﺎ ﻧ ﻲ ا ﻟ ﻤ ﻮ ﺿ ﺤ ﺔ إ زا ء ﻫ ﺎ ﻣ ﺎ ﻟ ﻢ ﻳ ﻘ ﺘ ﺾ‬
have the meanings as indicated below unless the context requires otherwise. ‫ﺳﻴﺎ ق اﻟﻨ ﺺ ﺧﻼ ف ذﻟ ﻚ‬

1. Accident: Any accident caused damage to third parties as a result of the use, ‫ ﻛﻞ واﻗﻌﺔ اﻟﺤﻘﺖ ﺿﺮرا ً ﺑﺎﻟﻐﻴﺮ ﻧﺘﻴﺠﺔ اﺳﺘﻌﻤﺎل اﻟﻤﺮﻛﺒﺔ أو اﻧﻔﺠﺎرﻫﺎ أو اﺣﺘﺮاﻗﻬﺎ‬:‫ اﻟﺤﺎدث‬.1
explosion, burning, dispersal, movement, self-propulsion or parking of the . ‫أ و ﺗ ﻨ ﺎ ﺛ ﺮ ﻫ ﺎ أ و ﺣ ﺮ ﻛ ﺘ ﻬ ﺎ أ و ا ﻧ ﺪ ﻓ ﺎ ﻋ ﻬ ﺎ ا ﻟ ﺬا ﺗ ﻲ أ و و ﻗ ﻮ ﻓ ﻬ ﺎ‬
vehicle.
2. Civil Liability: The liability of the Insured or the Driver to third parties for the ‫ ﻣﺴﺌﻮﻟﻴﺔ اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ ﺗﺠﺎه اﻟﻐﻴﺮ ﻋﻤﺎ ﻳﺘﺴﺒﺐ ﻓﻴﻪ ﻣﻦ‬: ‫ اﻟﻤﺴﺌﻮﻟﻴﺔ اﻟﻤﺪﻧﻴﺔ‬.2
material or physical damages caused by the insured vehicle. . ‫أ ﺿ ﺮا ر ﻣ ﺎ د ﻳ ﺔ أ و ﺟ ﺴ ﺪ ﻳ ﺔ أ و ﻣ ﺼ ﺎ ر ﻳ ﻒ ﺑ ﻔ ﻌ ﻞ ا ﻟ ﻤ ﺮ ﻛ ﺒ ﺔ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻋ ﻠ ﻴ ﻬ ﺎ‬
3. Claim: Written notice to the Company claiming compensation for damage ‫ ﻃﻠﺐ ﺗﻌﻮﻳﺾ ﻋﻦ ﺿﺮر ﻧﺎﺗﺞ ﻋﻦ ﺧﻄﺮ ﻏﻴﺮ ﻣﺴﺘﺜﻨﻰ ﻓﻲ اﻟﻮﺛﻴﻘﺔ‬:‫ اﻟﻤﻄﺎﻟﺒﺔ‬.3
resulting from a risk not excluded in the policy.
 4. Claimant: The natural person or his legal representative or the legal ‫ اﻟﺸﺨﺺ اﻟﻄﺒﻴﻌﻲ أو ﻣﻦ ﻳﻤﺜﻠﻪ ﻧﻈﺎﻣﻴﺎ ً أو اﻟﻤﻤﺜﻞ اﻟﻨﻈﺎﻣﻲ ﻟﻠﺸﺨﺺ‬:‫ ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ‬.4
representative of the legal person who suffered damage resulting from a risk .‫ا ﻻ ﻋﺘﺒﺎ ر ي اﻟﺬ ي ﻟ ﺤ ﻖ ﺑ ﻪ ﺿ ﺮ ر ﻧﺎﺗ ﺞ ﻋ ﻦ ﺧ ﻄ ﺮ ﻏﻴ ﺮ ﻣ ﺴﺘﺜﻨ ﻰ ﻓ ﻲ اﻟ ﻮﺛﻴﻘ ﺔ‬
not excluded in the policy.
5. Company: Allied Cooperative Insurance Group (ACIG) .( ‫ اﻟﻤﺠﻤﻮﻋﺔ اﻟﻤﺘﺤﺪة ﻟﻠﺘﺄﻣﻴﻦ اﻟﺘﻌﺎوﻧﻲ ) أﺳﻴﺞ‬:‫ اﻟﺸﺮﻛﺔ‬.5
6. Compensation: Amounts to be paid by the Company to third parties within the ‫ اﻟﻤﺒﺎﻟﻎ اﻟﺘﻲ ﻳﺘﻌﻴﻦ ﻋﻠﻰ اﻟﺸﺮﻛﺔ دﻓﻌﻬﺎ ﻟﻠﻐﻴﺮ ﺿﻤﻦ اﻟﺤﺪ اﻷﻗﺼﻰ ﻟﻠﻤﺴﺌﻮﻟﻴﺔ‬:‫ اﻟﺘﻌﻮﻳﺾ‬.6
maximum civil liability limit specified in the policy. . ‫ا ﻟ ﻤ ﺪ ﻧ ﻴ ﺔ ا ﻟ ﻮا ر د ﻓ ﻲ ﻫ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ‬
7. Compulsory Insurance Policy: The Third Party Liability insurance policy for ‫ ﻫﻲ وﺛﻴﻘﺔ ﺗﺄﻣﻴﻦ اﻟﻤﺴﺌﻮﻟﻴﺔ اﻟﻤﺪﻧﻴﺔ ﺗﺠﺎه اﻟﻐﻴﺮ‬:(‫ وﺛﻴﻘﺔ اﻟﺘﺄﻣﻴﻦ اﻹﻟﺰاﻣﻲ )اﻟﻮﺛﻴﻘﺔ‬.7
vehicles. It is a contract whereby the Company undertakes to indemnify the ‫ﻟ ﻠ ﻤ ﺮ ﻛ ﺒ ﺎ ت و ﺗ ﻌ ﺘ ﺒ ﺮ ﻋ ﻘ ﺪا ً ﺗ ﺘ ﻌ ﻬ ﺪ ﺑ ﻤ ﻘ ﺘ ﻀ ﺎ ه ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺑ ﺄ ن ﺗ ﻌ ﻮ ض ا ﻟ ﻐ ﻴ ﺮ ﻋ ﻨ ﺪ و ﻗ ﻮ ع ﺿ ﺮ ر ﻧ ﺎ ﺗ ﺞ ﻋ ﻦ‬
Third Parties in the event of damage resulting from risk not excluded in the ‫ ﻣ ﻘ ﺎ ﺑ ﻞ ا ﻻ ﺷ ﺘ ﺮا ك ا ﻟ ﺬ ي‬، ‫ ﺑ ﺴ ﺒ ﺐ ﺣ ﺎ د ث ﺗ ﺴ ﺒ ﺒ ﺖ ﻓ ﻴ ﻪ ا ﻟ ﻤ ﺮ ﻛ ﺒ ﺔ‬، ‫ﺧ ﻄ ﺮ ﻏ ﻴ ﺮ ﻣ ﺴ ﺘ ﺜ ﻨ ﻰ ﻓ ﻲ ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ‬
policy due to an accident caused by the vehicle against the premium paid by ‫ و ﺗ ﺸ ﻤ ﻞ ﻫ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ا ﻷ ﺣ ﻜ ﺎ م وا ﻟ ﺸ ﺮ و ط وا ﻻ ﺳ ﺘ ﺜ ﻨ ﺎ ءا ت و ﺟ ﺪ و ل ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ‬، ‫ﻳ ﺪ ﻓ ﻌ ﻪ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ‬
the Insured. This policy contains the terms, conditions, exceptions, policy ‫وا ﻟ ﻤ ﻼ ﺣ ﻖ )إ ن و ﺟ ﺪ ت ( ﻋ ﻠ ﻰ أ ﻻ ﻳ ﺘ ﻌ ﺎ ر ض أ ي ﻣ ﻨ ﻬ ﺎ أ و ﻳ ﺨ ﺎ ﻟ ﻒ ا ﻷ ﺣ ﻜ ﺎ م ا ﻟ ﻮا ر د ة ﻓ ﻲ ﻫ ﺬ ه‬
schedule and the endorsements (if any), provided that they shall not .‫اﻟ ﻮﺛﻴﻘ ﺔ‬
inconsistent or contrary to the provisions of this policy.
8. Driver: Anyone who drives the vehicle, 18 years of age and above, and holds ‫ ﺳﻨﺔ ﻫﺠﺮﻳﺔ وﻣﺎ ﻓﻮق‬18 ‫ ﻛﻞ ﻣﻦ ﻳﻘﻮد اﻟﻤﺮﻛﺒﺔ وﻋﻤﺮه‬:(‫ ﺳﺎﺋﻖ اﻟﻤﺮﻛﺒﺔ )اﻟﺴﺎﺋﻖ‬.8
a driver's license. .‫وﻳ ﺤ ﻤ ﻞ ر ﺧ ﺼ ﺔ ﻗﻴﺎ د ة‬
9. Endorsement: An agreement between the Insured and the Company following ‫ ﺑﺈﺿﺎﻓﺔ أو ﺗﻌﺪﻳﻞ أو‬،‫ اﺗﻔﺎق ﺑﻴﻦ اﻟﻤﺆﻣﻦ واﻟﻤﺆﻣﻦ ﻟﻪ ﻻﺣﻖ ﻋﻠﻰ إﺻﺪار اﻟﻮﺛﻴﻘﺔ‬:‫ اﻟﻤﻠﺤﻖ‬.9
the issuance of the Policy, by adding, modifying or canceling coverage to the ‫ و ﻳ ﺠ ﺐ أ ن ﻳ ﻜ ﻮ ن ﻣ ﺮ ﻓ ﻘ ﺎ ً ﺑ ﺎ ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ و ﻳ ﻌ ﺘ ﺒ ﺮ ﺟ ﺰ ءا ً ﻻ‬، ‫إ ﻟ ﻐ ﺎ ء ﺗ ﻐ ﻄ ﻴ ﺎ ت إ ﻟ ﻰ ا ﻟ ﺘ ﻐ ﻄ ﻴ ﺎ ت ا ﻷ ﺳ ﺎ ﺳ ﻴ ﺔ‬
basic coverage, and must be attached to the Policy and considered an integral . ‫ﻳ ﺘ ﺠ ﺰأ ﻣ ﻨ ﻬ ﺎ‬
part thereof.
10. Expenses: All expenses incurred by third parties due to damage resulting ‫ ﺟﻤﻴﻊ اﻟﺘﻜﺎﻟﻴﻒ اﻟﺘﻲ ﻳﺘﺤﻤﻠﻬﺎ اﻟﻐﻴﺮ ﺑﺴﺒﺐ اﻟﻀﺮر اﻟﻨﺎﺗﺞ ﻋﻦ ﺧﻄﺮ ﻏﻴﺮ‬:‫ اﻟﻤﺼﺎرﻳﻒ‬.10
from a risk not excluded in the policy. . ‫ﻣ ﺴﺘﺜﻨ ﻰ ﻓ ﻲ اﻟ ﻮﺛﻴﻘ ﺔ‬
11. Insured: The natural or legal person who signed the insurance policy with the ‫ اﻟﺸﺨﺺ اﻟﻄﺒﻴﻌﻲ أو اﻻﻋﺘﺒﺎري اﻟﺬي أﺑَﺮم ﻣﻊ اﻟﺸﺮﻛﺔ وﺛﻴﻘﺔ اﻟﺘﺄﻣﻴﻦ واﻟﻤﺒﻴﻦ‬:‫ اﻟﻤﺆﻣﻦ ﻟﻪ‬.11
Company and whose name is stated in the policy schedule. .‫ا ﺳ ﻤ ﻪ ﻓ ﻲ ﺟﺪ و ل اﻟ ﻮﺛﻴﻘ ﺔ‬
12. Insured Vehicle: Any means of transportation prepared to move on wheels or ‫ﻛﻞ وﺳﯿﻠﺔ ﻣﻦ وﺳﺎﺋﻞ اﻟﻨﻘﻞ أﻋﺪت ﻟﻠﺴﯿﺮ ﻋﻠﻰ‬:(‫ اﻟﻤﺮﻛﺒﺔ اﻟﻤﺆﻣﻦ ﻋﻠﻴﻬﺎ )اﻟﻤﺮﻛﺒﺔ‬.12
tracks that runs or is driven by mechanical or animal power, well described in ‫ ا ﻟ ﻤ ﻮ ﺿ ﺤ ﺔ ﻣ ﻮا ﺻ ﻔ ﺎ ﺗ ﮭ ﺎ ﻓ ﻰ ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ) ﻻ‬، ‫ ﺗ ﺴ ﯿ ﺮ أ و ﺗ ﺠ ﺮ ﺑ ﻘ ﻮ ة آ ﻟ ﯿ ﺔ أ و ﺣ ﯿ ﻮا ﻧ ﯿ ﺔ‬، ‫ﻋ ﺠ ﻼ ت أ و ﺟ ﻨ ﺰ ﻳ ﺮ‬
the Policy (excluding trains). . ( ‫ﺗ ﺸ ﻤ ﻞ ا ﻟ ﻘ ﻄ ﺎ را ت‬
13. Material Change: Change that increases the possibility of risk occurrence or ‫ اﻟﺘﻐﻴﻴﺮ اﻟﺬي ﻳﺆدي إﻟﻰ زﻳﺎدة ﻧﺴﺒﺔ اﺣﺘﻤﺎل وﻗﻮع اﻟﺨﻄﺮ أو ﻳﺆدي إﻟﻰ‬:‫ اﻟﺘﻐﻴﻴﺮ اﻟﺠﻮﻫﺮي‬.13
increases its severity. .‫زﻳﺎ د ة ﺟ ﺴﺎ ﻣﺘ ﻪ‬
14. Material Damage: Damage to property belonging to third parties. .‫ اﻟﺘﻠﻔﻴﺎت اﻟﺘﻲ ﻗﺪ ﺗﻠﺤﻖ ﺑﺎﻟﻤﻤﺘﻠﻜﺎت اﻟﻌﺎﺋﺪة ﻟﻠﻐﻴﺮ‬:‫ اﻷﺿﺮار اﻟﻤﺎدﻳﺔ‬.14
15. Material Fact: Any information that may affect the Company's decision to ‫ أي ﻣﻌﻠﻮﻣﺔ ﻗﺪ ﺗﺆﺛﺮ ﻋﻠﻰ ﻗﺮار اﻟﺸﺮﻛﺔ ﻓﻲ ﺗﺤﺪﻳﺪ اﻻﺷﺘﺮاك ﺑﻨﺴﺒﺔ‬:‫ اﻟﺤﻘﻴﻘﺔ اﻟﺠﻮﻫﺮﻳﺔ‬.15
accept or reject insurance or affects the insurance premium by 25% or more, .‫ وأﻛﺜﺮ أو ﻋﻠﻰ ﺷﺮوط اﻟﻮﺛﻴﻘﺔ أو ﻗﺒﻮل اﻟﻤﻄﺎﻟﺒﺔ‬% 25
or the terms and conditions of the insurance contract.
16. Physical Injury: Death or bodily injury to Third parties, including permanent or ‫ اﻟﻮﻓﺎة أو اﻹﺻﺎﺑﺎت اﻟﺒﺪﻧﻴﺔ اﻟﺘﻲ ﻗﺪ ﺗﻠﺤﻖ ﺑﺎﻟﻐﻴﺮ ﺑﻤﺎ ﻓﻲ ذﻟﻚ اﻟﻌﺠﺰ‬:‫ اﻷﺿﺮار اﻟﺠﺴﺪﻳﺔ‬.16
partial total or partial disability. . ‫ا ﻟ ﻜ ﻠ ﻲ أ و ا ﻟ ﺠ ﺰ ﺋ ﻲ ا ﻟ ﺪا ﺋ ﻢ أ و ا ﻟ ﻤ ﺆ ﻗ ﺖ‬
17. Premium: The amount paid by the Insured to the Company against the ‫ اﻟﻤﺒﻠﻎ اﻟﺬي ﻳﺪﻓﻌﻪ اﻟﻤﺆﻣﻦ ﻟﻪ ﻟﻠﺸﺮﻛﺔ ﻣﻘﺎﺑﻞ ﻣﻮاﻓﻘﺔ اﻟﺸﺮﻛﺔ ﻋﻠﻰ ﺗﻌﻮﻳﺾ‬: ‫ اﻻﺷﺘﺮاك‬.17
Company's agreement to indemnify third parties for damage or loss, the direct ‫ا ﻟ ﻐ ﻴ ﺮ ﻋ ﻦ ا ﻟ ﻀ ﺮ ر أ و ا ﻟ ﺨ ﺴ ﺎ ر ة ا ﻟ ﺘ ﻲ ﻳ ﻜ ﻮ ن ا ﻟ ﺴ ﺒ ﺐ ا ﻟ ﻤ ﺒ ﺎ ﺷ ﺮ ﻓ ﻲ و ﻗ ﻮ ﻋ ﻬ ﺎ ﺧ ﻄ ﺮا ً ﻏ ﻴ ﺮ ﻣ ﺴ ﺘ ﺜ ﻨ ﻰ‬
cause of which is a risk not excluded in the policy. .‫ﻓ ﻲ اﻟ ﻮﺛﻴﻘ ﺔ‬
18. Right of recourse: The right of the Company to recover the compensation it ‫ ﻫﻮ ﺣﻖ اﻟﺸﺮﻛﺔ ﻓﻲ اﺳﺘﻴﻔﺎء ﻣﺎ دﻓﻌﺘﻪ ﻣﻦ ﺗﻌﻮﻳﺾ ﻟﻠﻐﻴﺮ ﻣﻦ اﻟﻤﺆﻣﻦ ﻟﻪ أو‬:‫ ﺣﻖ اﻟﺮﺟﻮع‬.18
paid to third parties from the Insured or Driver who caused the accident for the ‫اﻟ ﺴﺎﺋ ﻖ أ و اﻟ ﻤﺘ ﺴﺒ ﺐ ﻓ ﻲ اﻟ ﺤﺎ د ث ﻋ ﻦ اﻟ ﻀ ﺮ ر اﻟﻨﺎﺗ ﺞ ﻣ ﻦ إ ﺣﺪ ى ﺣﺎ ﻻ ت اﻟ ﺮ ﺟ ﻮ ع أ و‬
damage resulting from any cases of right of recourse or policy exceptions. . ‫ا ﻻ ﺳ ﺘ ﺜ ﻨ ﺎ ءا ت‬
19. Schedule: The Schedule attached with the Policy which contains some of the ‫ اﻟﺠﺪول اﻟﻤﺮﻓﻖ ﺑﺎﻟﻮﺛﻴﻘﺔ واﻟﻤﺘﻀﻤﻦ ﻟﺒﻌﺾ ﺑﻴﺎﻧﺎت اﻟﻤﺆﻣﻦ ﻟﻪ واﻟﻤﺮﻛﺒﺔ‬:‫ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬.19
Insured and insured vehicle particulars and is an integral part of the Policy. . ‫و ﻳ ﻌ ﺘ ﺒ ﺮ ﺟ ﺰ ءا ً ﻻ ﻳ ﺘ ﺠ ﺰأ ﻣ ﻨ ﻬ ﺎ‬

20. Third Party: Any natural person or legal entity that sustains covered ‫ ﻛﻞ ﺷﺨﺺ ﻃﺒﻴﻌﻲ أو اﻋﺘﺒﺎري ﺗﻠﺤﻖ ﺑﻪ ﺧﺴﺎرة أو ﺿﺮر ﻧﺎﺗﺞ ﻋﻦ ﺧﻄﺮ ﻏﻴﺮ‬:‫ اﻟﻐﻴﺮ‬.20
injury/damage under the provisions of this Policy, excluding Insured and/or .‫أو اﻟﺴﺎﺋﻖ أو اﻟﻤﺘﺴﺒﺐ ﻓﻲ اﻟﺤﺎدث‬/‫ﻣﺴﺘﺜﻨﻰ ﻓﻲ اﻟﻮﺛﻴﻘﺔ ﺑﺎﺳﺘﺜﻨﺎء اﻟﻤﺆﻣﻦ ﻟﻪ و‬
Driver.

Article 3: Insurance Coverage ‫ا ﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻨ ﻴ ﺔ‬: ‫ا ﻟ ﻤ ﺎ د ة ا ﻟ ﺜ ﺎ ﻟ ﺜ ﺔ‬

WHEREAS the Insured has submitted to the Company an insurance proposal which ‫ﺣﻴﺚ إن اﻟﻤﺆﻣﻦ ﻟﻪ ﻗـﺪ ﺗﻘـﺪم إﻟﻰ اﻟﺸـﺮﻛﺔ ﺑﻄﻠﺐ ﺗـﺄﻣﻴﻦ ﻳ ُﻌـﺪ أﺳﺎﺳﺎ ً ﻟﻬـﺬه اﻟﻮﺛﻴﻘﺔ ودﻓﻊ )أو ﺗﻌﻬﺪ‬
shall be considered the basis of this Policy, and has paid (or undertook to pay) the ‫ ﻓ ﺈ ﻧ ﻬ ـ ﺎ ﺗ ﻠ ـ ﺘ ﺰ م إ ذا و ﻗ ﻊ ﺣ ـ ﺎ د ث دا ﺧ ﻞ‬، ‫ و ﻗ ﺒ ﻠ ﺖ ا ﻟ ﺸ ـ ﺮ ﻛ ﺔ ﻫ ـ ﺬا ا ﻟ ﻄ ﻠ ﺐ‬، ‫ﺑ ـ ﺪ ﻓ ﻊ ( ا ﻻ ـ ﺷ ﺘ ﺮا ك ا ﻟ ﻤ ﻄ ﻠ ـ ﻮ ب ﻣ ﻨ ـ ﻪ‬
premium, and the Company accepted the proposal, the Company hereby commits, in ‫أ را ﺿ ـ ﻲ ا ﻟ ﻤ ﻤ ﻠ ﻜ ﺔ ا ﻟ ﻌ ﺮ ﺑ ﻴ ﺔ ا ﻟ ﺴ ـ ﻌ ﻮ د ﻳ ﺔ وأ ﻟ ﺤ ﻖ ﺿ ـ ﺮ را ً ﻧ ﺎ ﺗ ﺠ ﺎ ً ﻋ ﻦ ﺧ ﻄ ﺮ ﻏ ﻴ ﺮ ﻣ ﺴ ـ ﺘ ﺜ ﻨ ﻰ ﻓ ﻲ ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ و ﺿ ﻤ ﻦ‬
the event an accident occurred within the territory of Kingdom of Saudi Arabia and ‫ﺣـﺪود اﻷﺣﻜﺎم واﻟﺸـﺮوط اﻟﻮاردة ﺑﻬـﺎ ﺑﺘﻌﻮﻳﺾ اﻟﻐﻴﺮ ﻋﻦ اﻟﻤﺒـﺎﻟﻎ ﺟﻤﻴﻌﻬـﺎ اﻟـﺘﻲ ﻳ ُﻠﺰم اﻟﻤﺆﻣﻦ ﻟﻪ أو‬
caused damage resulting from a risk not excluded in the Policy and within the limit, :‫ا ﻟ ﺴ ﺎ ﺋ ﻖ أ و ا ﻟ ﻤ ﺘ ﺴ ﺒ ﺐ ﻓ ﻲ ا ﻟ ﺤ ﺎ د ث ﺑ ﺪ ﻓ ﻌ ﻬ ﺎ ﻟ ﻘ ﺎ ء‬
terms and conditions contained in this Policy, against all amounts which the Insured or
Driver causing the accident shall become legally liable to pay in respect of: ‫أ ( ا ﻷ ﺿ ﺮا ر ا ﻟ ﺠ ﺴ ﺪ ﻳ ﺔ ا ﻟ ﺘ ﻲ ﺗ ﻠ ﺤ ﻖ ﺑ ﺎ ﻟ ﻐ ﻴ ﺮ دا ﺧ ﻞ ا ﻟ ﻤ ﺮ ﻛ ﺒ ﺔ أ و ﺧ ﺎ ر ﺟ ﻬ ﺎ‬
. ‫ب ( ا ﻷ ﺿ ﺮا ر ا ﻟ ﻤ ﺎ د ﻳ ﺔ ا ﻟ ﺘ ﻲ ﺗ ﻠ ﺤ ﻖ ﺑ ﺎ ﻟ ﻐ ﻴ ﺮ ﺧ ﺎ ر ج ا ﻟ ﻤ ﺮ ﻛ ﺒ ﺔ‬
a. Physical Injury to Third parties inside or outside the vehicle. .‫ج ( اﻟ ﻤ ﺼﺎ رﻳ ﻒ‬
b. Material damage to Third parties outside the vehicle.
c. Expenses.

Article 4: Limit of Liability ‫ﺣﺪود اﻟﺘﻐﻄﻴﺔ‬: ‫اﻟﻤﺎدة اﻟﺮاﺑﻌﺔ‬

In the event of an accident resulting in the payment of compensation in accordance ‫ﻓ ﻲ ﺣـ ﺎ ل و ﻗـ ﻮ ع ﺣـ ﺎ د ث ﻳـ ﺘ ﺮ ﺗ ﺐ ﻋ ﻠ ﻴـ ﻪ د ﻓـ ﻊ ﺗ ﻌـ ﻮ ﻳ ﺾ و ﻓ ﻘـ ﺎ ً ﻷ ﺣ ﻜ ﺎ م ﻫـ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘـ ﺔ ﻓ ﺈ ن ا ﻟ ﺤـ ﺪ ا ﻷ ﻗ ﺼـ ﻰ‬

with the provisions of this Policy, the maximum liability of the Company in a single ‫ﻟ ﻤ ﺴ ﺆ و ﻟ ﻴ ـ ﺔ ا ﻟ ﺸ ـ ـ ﺮ ﻛ ﺔ ﻓ ﻲ ا ﻟ ﻮا ﻗ ﻌ ـ ﺔ ا ﻟ ﻮا ﺣ ـ ﺪ ة و ﺧ ﻼ ـ ل ﻓ ﺘ ﺮ ة ﺳ ـ ﺮ ﻳ ﺎ ن و ﺛ ﻴ ﻘ ـ ﺔ ا ﻟ ﺘ ـ ﺄ ﻣ ﻴ ﻦ ﺑ ﺎ ﻟ ﻨ ﺴ ـ ﺒ ﺔ ﻟ ﻸ ﺿ ـ ﺮا ر‬
accident and during the period of validity of this policy for physical damage, expenses ) ‫ رﻳـﺎل‬10,000,000 ‫اﻟﺠﺴﺪﻳـﺔ واﻟﻤﺼﺎرﻳﻒ واﻷﺿـﺮار اﻟﻤﺎدﻳﺔ ﻣﻌـﺎ ً ﻟﻦ ﺗﺘﺠـﺎوز ﻣﺒﻠﻐﺎ ً إﺟﻤﺎﻟﻴﺎ ً ﻗـﺪره‬
and material damages shall not exceed a maximum amount of SR 10,000,000 (ten . ‫ﻋ ﺸ ﺮ ة ﻣ ﻼﻳﻴ ﻦ رﻳﺎ ل ﺳﻌ ﻮ د ي ( ﻛ ﺤﺪ ٍ أﻗ ﺼ ﻰ ﻟ ﻤ ﺴﺌ ﻮﻟﻴ ﺔ اﻟ ﺸ ﺮ ﻛ ﺔ‬
million Saudi Riyals), the maximum liability of the Company.

Article 5: What the Company shall not excluded from its liabilities towards Third ‫ ﻣﺎ ﻻ ﻳ ﺠ ﻮ ز ﻟﻠ ﺸ ﺮ ﻛ ﺔ اﻟﺘ ﻤ ﺴ ﻚ ﺑ ﻪ ﺗ ﺠﺎه اﻟ ﻐﻴ ﺮ‬:‫اﻟ ﻤﺎدة اﻟ ﺨﺎ ﻣ ﺴ ﺔ‬
parties

The Company reserves no right to deny liability for compensation towards Third parties ‫ﻣ ﻊ ﻣ ﺮا ﻋ ﺎ ة ا ﻟ ﻤ ﺎ د ة ا ﻟ ﺘ ﺎ ﺳ ـ ﻌ ﺔ ﻣ ﻦ ﻫ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ﻻ ﻳ ﺠ ﻮ ز ﻟ ﻠ ﺸ ﺮ ﻛ ﺔ أ ن ﺗ ﺘ ﻤ ﺴ ﻚ ﺗ ﺠ ﺎ ه ا ﻟ ﻐ ﻴ ﺮ ﺑ ﻌ ﺪ م ﻣ ﺴ ﺌ ﻮ ﻟ ﻴ ﺘ ﻬ ﺎ‬
under the provisions of this Policy as a result of violation committed by the Insured or ‫ﻋ ﻦ اﻟﺘﻌ ﻮﻳ ﺾ ﺑ ﻤ ﻮ ﺟ ﺐ ﻫﺬ ه اﻟ ﻮﺛﻴﻘ ﺔ ﺑ ﺴﺒ ﺐ ا رﺗ ﻜﺎ ب اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و اﻟ ﺴﺎﺋ ﻖ أ و اﻟ ﻤﺘ ﺴﺒ ﺐ ﻓ ﻲ اﻟ ﺤﺎ د ث أ ي‬
Driver, whether the violation occurred prior or after the accident, or as a result of ‫ﻣ ﺨ ﺎ ﻟ ﻔ ـ ﺔ ﺳ ﻮا ء أ ﻛ ـ ﺎ ﻧ ﺖ ا ﻟ ﻤ ﺨ ﺎ ﻟ ﻔ ـ ﺔ ﻗ ﺒ ـ ﻞ ا ﻟ ﺤ ـ ﺎ د ث أ م ﺑ ﻌ ـ ﺪ ه أ م ﺑ ﺴ ـ ﺒ ﺐ ﻋ ـ ﺪ م ا ﻟ ﺘ ﺰا ﻣ ﻪ ﺑ ﻤ ـ ﺎ و ر د ﻓ ﻲ ﻫ ـ ﺬ ه‬
noncompliance with the provisions contained in this Policy, without prejudice to the ‫ ﻣ ﻊ ﻋ ﺪ م ا ﻹ ﺧ ﻼ ل ﺑ ﺤ ﻖ ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺑ ﺎ ﻟ ﺮ ﺟ ﻮ ع ﻋﻠ ﻰ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و ا ﻟ ﺴ ﺎﺋ ﻖ أ و ا ﻟ ﻤ ﺘ ﺴ ﺒ ﺐ ﻓ ﻲ ا ﻟ ﺤ ﺎ د ث‬،‫ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ‬
right of the Company to recourse against the Insured or Driver by all legal means after .‫ﺑ ﻌ ﺪ ا ﻟ ﺪ ﻓ ﻊ ﻟﻠ ﻐ ﻴ ﺮ ﺑ ﻜ ﺎ ﻓ ﺔ ا ﻟ ﻄ ﺮ ق ا ﻟ ﻨ ﻈ ﺎ ﻣ ﻴ ﺔ إ ن ﻛ ﺎ ن ﻟﻠ ﺮ ﺟ ﻮ ع ﻣ ﺎ ﻳ ﺒ ﺮ ر ه‬
compensating the Third parties if the recourse is justified.

Article 6: Claims Settlement Procedures ‫ إﺟﺮاءات ﺗﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺎت‬:‫اﻟﻤﺎدة اﻟﺴﺎدﺳﺔ‬

1. Upon receipt of any claim, the Company shall be committed to provide the ،‫ ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ ﻋﻨﺪ ﺗﻠﻘﻲ أي ﻣﻄﺎﻟﺒﺔ ﺑﺄن ﺗﺰود ﻣﻘﺪﻣﻬﺎ ﺑﻤﺎ ﻳ ُﻔﻴﺪ اﺳﺘﻼﻣﻬﺎ ﻟﻠﻤﻄﺎﻟﺒﺔ‬.1
claimant with an evidence of receiving the claim, and to inform the claimant of ‫وإ ﻋ ﻼ ﻣ ﻪ ﺑ ﺄ ي ﻧ ﻮا ﻗ ﺺ ﺧ ﻼ ل ﺛ ﻼ ﺛ ﺔ أ ﻳ ﺎ م ﻋ ﻤ ﻞ ) ﻟ ﻸ ﻓ ﺮا د ( و ﺗ ﺴ ﻌ ﺔ أ ﻳ ﺎ م ﻋ ﻤ ﻞ ) ﻟ ﻠ ﺸ ﺮ ﻛ ﺎ ت ( ﻣ ﻦ‬
any deficiencies within three working days (for individuals) and nine working ‫ و ﻟ ﻠ ﺸ ﺮ ﻛ ﺔ ﺗ ﻌ ﻴ ﻴ ﻦ ﺧ ﺒ ﻴ ﺮ ﻣ ﻌ ﺎ ﻳ ﻨ ﺔ أ و ﻣ ﻘ ﺪ ر ﺧ ﺴ ﺎ ﺋ ﺮ إ ذا ﻛ ﺎ ن ذ ﻟ ﻚ ﺿ ﺮ و ر ﻳ ﺎ ً ﺧ ﻼ ل‬، ‫ﺗ ﻠ ﻘ ﻴ ﻬ ﺎ ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ‬
days (for companies) from receipt of the claim. The Company is also ‫ﻣ ﺪ ة ز ﻣ ﻨ ﻴ ﺔ ﻻ ﺗ ﺘ ﺠ ﺎ و ز ﺛ ﻼ ﺛ ﺔ أ ﻳ ﺎ م ﻋ ﻤ ﻞ ) ﻟ ﻸ ﻓ ﺮا د ( و ﺗ ﺴ ﻌ ﺔ أ ﻳ ﺎ م ﻋ ﻤ ﻞ ) ﻟ ﻠ ﺸ ﺮ ﻛ ﺎ ت ( ﻣ ﻦ ﺗ ﺎ ر ﻳ ﺦ‬
committed to appoint a surveyor or loss assessor, if necessary, within a period .‫ا ﺳﺘ ﻼ م اﻟ ﻤ ﻄﺎﻟﺒ ﺔ‬
of time not exceeding three working days (for individuals) and nine working
days (for companies) from the date of receipt of the claim.

2. The Company shall settle the claims with all fairness and integrity without any ‫ ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ ﺑﺘﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺎت ﺑﻜﻞ ﻧﺰاﻫﺔ وﻋﺪاﻟﺔ دون أي ﻣﺴﺎوﻣﺔ ﺧﻼل ﻣﺪة أﻗﺼﺎﻫﺎ‬.2
compromises within a maximum period of fifteen Hijri days (for individuals) and ‫ﺧ ﻤ ﺴ ﺔ ﻋ ﺸ ﺮ ﻳ ﻮ ﻣ ﺎ ﻫ ﺠ ﺮ ﻳ ﺎ ً ) ﻟ ﻸ ﻓ ﺮا د ( و ﺧ ﻤ ﺴ ﺔ وأ ر ﺑ ﻌ ﻴ ﻦ ﻳ ﻮ ﻣ ﺎ ً ﻫ ﺠ ﺮ ﻳ ﺎ ً ) ﻟ ﻠ ﺸ ﺮ ﻛ ﺎ ت ( ﻣ ﻦ ﺗ ﺎ ر ﻳ ﺦ‬
forty-five Hijri days (for companies) from the date of receipt of the completed ‫ و ﻓ ﻲ ﺣ ﺎ ل ﻣ ﺎ إ ذا ﻛ ﺎ ﻧ ﺖ ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ‬، ‫ا ﺳ ﺘ ﻼ م ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ ﻣ ﻜ ﺘ ﻤ ﻠ ﺔ ا ﻟ ﻤ ﺴ ﺘ ﻨ ﺪا ت ﻣ ﻦ ﻣ ﻘ ﺪ م ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ‬
claim from the claimant. If the claim is based on an enforceable judicial verdict ‫ﻣﺴﺘﻨﺪة ﻋﻠﻰ ﺣﻜﻢ ﻗﻀﺎﺋﻲ ﻗﺎﺑﻞ ﻟﻠﺘﻨﻔﻴﺬ وﻗُﺪﻣﺖ ﻣﻦ ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ أو ﻗﺎم اﻟﻤﺆﻣﻦ ﻟﻪ‬
and has submitted by the Claimant or the Insured has notified the Company, .‫ ﻓ ﺈ ن ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺗﻠ ﺘ ﺰ م ﺑ ﻤ ﺎ و ر د أ ﻋ ﻼ ه‬،‫ﺑ ﺈﺑ ﻼ غ ا ﻟ ﺸ ﺮ ﻛ ﺔ‬
the Company is bound by the above.
3. The Company is committed to inform the claimant in writing of the acceptance ‫ وﻓﻲ ﺣﺎل ﻗﺒﻮل اﻟﻤﻄﺎﻟﺒﺔ‬،‫ ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ ﺑﺈﺑﻼغ ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ ﺑﻘﺒﻮل أو رﻓﺾ اﻟﻤﻄﺎﻟﺒﺔ‬.3
or rejection of the claim, partially or totally, the Company is committed to clarify .‫ﻛﻠ ﻴ ﺎ ً أ و ﺟ ﺰﺋ ﻴ ﺎ ً ﺗﻠ ﺘ ﺰ م ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺑ ﺘ ﻮ ﺿ ﻴ ﺢ ﻣ ﺒﻠ ﻎ ا ﻟ ﺘ ﻌ ﻮﻳ ﺾ و ﻛ ﻴ ﻔ ﻴ ﺔ ا ﻟ ﺘ ﻮ ﺻ ﻞ إ ﻟ ﻴ ﻪ‬
the amount of compensation and the way it was assessed.
4. The Company shall settle the insurance claims by depositing the amount of ‫ ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ ﺑﺘﺴﻮﻳﺔ وﺗﺴﺪﻳﺪ اﻟﻤﻄﺎﻟﺒﺎت اﻟﺘﺄﻣﻴﻨﻴﺔ ﻣﻦ ﺧﻼل إﻳﺪاع ﻣﺒﻠﻎ اﻟﺘﻌﻮﻳﺾ ﻓﻲ‬.4
compensation in the beneficiary's bank account directly through the .(IBAN) ‫اﻟﺤﺴﺎب اﻟﺒﻨﻜﻲ ﻟﻠﻤﺴﺘﻔﻴﺪ ﻣﺒﺎﺷﺮة ﻋﻦ ﻃﺮﻳﻖ رﻗﻢ اﻟﺤﺴﺎب اﻟﻤﺼﺮﻓﻲ اﻟﺪوﻟﻲ‬
International Bank Account Number (IBAN).
5. Subject to the dates specified in paragraphs (1, 2) of this Article, the Company ‫( ﻣﻦ ﻫﺬه اﻟﻤﺎدة ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ‬2,1) ‫ﻣﺮاﻋﺎة اﻟﻤﺪد اﻟﻤﺤﺪدة ﻓﻲ اﻟﻔﻘﺮﺗﻴﻦ رﻗﻢ‬ ُ ‫ ﻣﻊ‬.5
shall settle the claim in case the claim is submitted after the repair of the ‫ﺑ ﺘ ﺴ ﻮﻳ ﺔ ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ ﻓ ﻲ ﺣ ﺎ ل ﺗ ﻘ ﺪﻳ ﻢ ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ ﺑ ﻌ ﺪ إ ﺻ ﻼ ح ا ﻟ ﻤ ﺮ ﻛ ﺒ ﺔ ﻋﻠ ﻰ أ ن ﻳ ﻘ ﻮ م ﻣ ﻘ ﺪ م‬
vehicle. The claimant shall provide the Company with the actual repair ‫ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ ﺑ ﺘ ﺰ و ﻳ ﺪ ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺑ ﺎ ﻟ ﻔ ﻮا ﺗ ﻴ ﺮ ا ﻟ ﻔ ﻌ ﻠ ﻴ ﺔ ﻟ ﻺ ﺻ ﻼ ح و ﻳ ﺸ ﺘ ﺮ ط ﻣ ﺒ ﺎ ﺷ ﺮ ة ا ﻟ ﺤ ﺎ د ث ﻣ ﻦ ا ﻟ ﺠ ﻬ ﺔ‬
invoices, handling of the accident by the authorized agency and the claimant ‫ا ﻟ ﻤ ﺨ ﻮ ﻟ ﺔ ﺑ ﻤ ﺒ ﺎ ﺷ ﺮ ﺗ ﻪ و ﺗ ﺰ و ﻳ ﺪ ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺑ ﺘ ﻘ ﺮ ﻳ ﺮ ﺗ ﻘ ﻴ ﻴ ﻢ أ ﺿ ﺮا ر ﺣ ﺎ د ث ا ﻟ ﻤ ﺮ ﻛ ﺒ ﺔ ﺑ ﻌ ﺪ ا ﻟ ﺤ ﺎ د ث و ﻗ ﺒ ﻞ‬
shall provide the Company with damage estimation report issued by the .‫ا ﻹ ﺻ ﻼ ح اﻟ ﺼﺎ د ر ﻋ ﻦ اﻟ ﺠ ﻬ ﺔ اﻟ ﻤ ﺮ ﺧ ﺼ ﺔ‬
authorized agency in respect of the accident committed by the vehicle.

6. In the event that the Company fails to comply with its commitment to settle the ‫ ﻓﻲ ﺣﺎل ﻋﺪم اﻟﺘﺰام اﻟﺸﺮﻛﺔ ﺑﺘﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺎت ﺧﻼل اﻟﻔﺘﺮة اﻟﻨﻈﺎﻣﻴﺔ دون وﺟﻮد ﺳﺒﺐ‬.6
claims during the statutory period for unjustified reasons, the Claimant has the ‫ﻧ ﻈﺎ ﻣ ﻲ ﻳ ﺤ ﻖ ﻟ ﻤﻘﺪ م اﻟ ﻤ ﻄﺎﻟﺒ ﺔ ﺗﻘﺪﻳ ﻢ ﺷ ﻜ ﻮ ى ﻋ ﻦ ﻃ ﺮﻳ ﻖ ﻣ ﻮﻗ ﻊ ﺳﺎ ﻣﺎ ﺗ ﻬﺘ ﻢ‬
right to file a complaint through the SAMA Care website ( ‫( أو اﻟﺘﻘﺪم ﺑﻄﻠﺐ إﻟﻰ ﻟﺠﺎن اﻟﻔﺼﻞ ﻓﻲ اﻟﻤﻨﺎزﻋﺎت واﻟﻤﺨﺎﻟﻔﺎت‬WWW.Samacares.sa)
www.Samacares.sa )or to apply to the Dispute Settlement and Insurance ‫ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻨ ﻴ ﺔ ﻹ ﻟ ﺰا م ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺑ ﺘ ﺴ ﻮ ﻳ ﺔ ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ و ﺗ ﻌ ﻮ ﻳ ﻀ ﻪ ﻋ ﻦ أ ي ﺗ ﻜ ﺎ ﻟ ﻴ ﻒ ﺗ ﺤ ﻤ ﻠ ﻬ ﺎ ﻧ ﺘ ﻴ ﺠ ﺔ ﻋ ﺪ م‬
Offenses Committees to compel the Company to settle the claim and . ‫ا ﺳ ﺘ ﺨ ﺪا ﻣ ﻪ ﻟ ﻠ ﻤ ﺮ ﻛ ﺒ ﺔ ﺑ ﺴ ﺒ ﺐ ﺗ ﺄ ﺧ ﺮ ا ﻟ ﺸ ﺮ ﻛ ﺔ ﻓ ﻲ ﺗ ﺴ ﻮ ﻳ ﺔ ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ‬
compensate for any costs incurred as a result of non-use of the vehicle due to
delays in settlement of the claim.
7. When the claim is rejected partially or totally, the Company is committed to the
following: : ‫ أ ﻣ ﺎ ﻋ ﻨ ﺪ ر ﻓ ﺾ ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ ﺟ ﺰﺋ ﻴ ﺎ ً أ و ﻛﻠ ﻴ ﺎ ً ﻓ ﺈ ن ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺗﻠ ﺘ ﺰ م ﺑ ﺎ ﻵﺗ ﻲ‬. 7
a. Provide the claimant with the reasons for the total or partial rejection.
‫ ﺗ ﺰ وﻳ ﺪ ﻣ ﻘ ﺪ م ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ ﺑ ﺄ ﺳ ﺒ ﺎ ب ا ﻟ ﺮ ﻓ ﺾ ا ﻟ ﻜﻠ ﻲ أ و ا ﻟ ﺠ ﺰﺋ ﻲ‬.‫أ‬
b. Inform the claimant of the possibility of filing a complaint through the SAMA
‫ إﺑ ﻼ غ ﻣﻘﺪ م اﻟ ﻤ ﻄﺎﻟﺒ ﺔ ﺑﺈ ﻣ ﻜﺎﻧﻴ ﺔ ﺗﻘﺪﻳ ﻢ ﺷ ﻜ ﻮ ى ﻋ ﻦ ﻃ ﺮﻳ ﻖ ﻣ ﻮﻗ ﻊ ﺳﺎ ﻣﺎ‬.‫ب‬
Care website ( www.Samacares.sa )or submitting his case to the committees
‫ ( أو ﺗﻘﺪﻳﻢ دﻋﻮاه إﻟﻰ ﻟﺠﺎن اﻟﻔﺼﻞ ﻓﻲ اﻟﻤﻨﺎزﻋﺎت واﻟﻤﺨﺎﻟﻔﺎت‬www.Samacares.sa)‫ﺗﻬﺘﻢ‬
for the settlement of disputes and insurance violations stipulated in Article 20 of
‫ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻨ ﻴ ﺔ ا ﻟ ﻤ ﻨ ﺼ ﻮ ص ﻋ ﻠ ﻴ ﻬ ﺎ ﻓ ﻲ ا ﻟ ﻤ ﺎ د ة ا ﻟ ﻌ ﺸ ﺮ ﻳ ﻦ ﻣ ﻦ ﻧ ﻈ ﺎ م ﻣ ﺮا ﻗ ﺒ ﺔ ﺷ ﺮ ﻛ ﺎ ت ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ ا ﻟ ﺘ ﻌ ﺎ و ﻧ ﻲ‬
the Cooperative Insurance Companies Control Law for consideration by these
.‫ﻟﻠﻨ ّﻈﺮ ﻓﻴﻬﺎ ﻣﻦ ﻗِﺒﻞ ﺗﻠﻚ اﻟﻠﺠﺎن‬
committees.
‫ ﺗ ﺰ و ﻳ ﺪ ﻣ ﻘ ﺪ م ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ ﺑ ﻨ ﺴ ﺨ ﺔ ﻣ ﻦ ا ﻟ ﻮ ﺛ ﺎ ﺋ ﻖ وا ﻟ ﻤ ﺴ ﺘ ﻨ ﺪا ت ا ﻟ ﻤ ﺆ ﻳ ﺪ ة ﻟ ﻘ ﺮا ر ا ﻟ ﺸ ﺮ ﻛ ﺔ ﻓ ﻲ ﺣ ﺎ ل‬. ‫ج‬
c. Provide the claimant with a copy of the documents in support of the Company's
.‫ﻃ َﻠﺐ ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ ذﻟﻚ ﻣﻦ اﻟﺸﺮﻛﺔ‬
decision in the event that the claimant requested from the company.

Article 7: General Conditions ‫ اﻟﺸﺮوط اﻟﻌﺎﻣﺔ‬:‫اﻟﻤﺎدة اﻟﺴﺎﺑﻌﺔ‬

1. Alteration:
: ‫ اﻟﺘ ﻐﻴﻴ ﺮ‬. 1
The Insured shall notify the Company within twenty working days of any material ‫ﻋ ﻠ ﻰ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ إ ﺷـ ﻌ ﺎ ر ا ﻟ ﺸـ ﺮ ﻛ ﺔ ﺧ ﻼ ل ﻋ ﺸـ ﺮ ﻳ ﻦ ﻳ ﻮ م ﻋ ﻤ ﻞ ﻋ ﻦ أ ي ﺗ ﻐ ﻴ ﻴ ﺮ ﺟ ﻮ ﻫ ﺮ ي ﻓ ﻲ ﺷ ﻲ ء ﺻ ﺮ ح ﺑ ﻪ‬
change in the representation stated in the insurance application form. The Company ‫ و ﻋ ﻠ ﻰ ا ﻟ ﺸـ ﺮ ﻛ ﺔ إ ﺧ ﻄ ﺎ ر ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻓ ﻲ ﺣ ﺎ ل ر ﻏ ﺒ ﺘ ﻬ ﺎ ﻓ ﻲ ز ﻳ ﺎ د ة ﻣ ﺒ ﻠ ﻎ إ ﺿ ﺎ ﻓ ﻲ‬، ‫ﻓ ﻲ ﻧ ﻤ ﻮ ذ ج ﻃ ﻠ ﺐ ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ‬
shall notify the Insured in case of its desire to charge additional amount to the ‫ و ﻋ ﺪ م إ ﺧ ﻄ ﺎ ر ا ﻟ ﺸ ﺮ ﻛ ﺔ ﻟ ﻠ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻳ ﻌ ﻨ ﻲ‬، ‫ أ و إ ﻋ ﺎ د ة ﺟ ﺰ ء ﻣ ﻨ ﻪ ﻓ ﻲ ﺣ ﺎ ل ﺧ ﻔ ﺾ ا ﻻ ﺷ ﺘ ﺮا ك‬، ‫ﻋ ﻠ ﻰ ا ﻻ ﺷ ﺘ ﺮا ك‬
premium or to refund a portion thereof in the event of a reduction in the premium. If the . ‫ﻣ ﻮا ﻓ ﻘ ﺘ ﻬ ﺎ ا ﺳ ﺘ ﻤ ﺮا ر ا ﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ﺑ ﺬا ت ا ﻻ ﺷ ﺘ ﺮا ك ا ﻟ ﻤ ﺘ ﻔ ﻖ ﻋ ﻠ ﻴ ﻪ ﻋ ﻨ ﺪ ا ﻟ ﺘ ﻌ ﺎ ﻗ ﺪ‬
Insured is not notified, it means the Company is in agreement to continue the
insurance coverage with the same premium agreed upon at the inception of the
insurance contract.
2. Company's right to handle legal proceedings and settlement:
: ‫ ﺣﻖ اﻟﺸﺮﻛﺔ ﻓﻲ ﺗﻮﻟﻲ اﻹﺟﺮاءات اﻟﻘﻀﺎﺋﻴﺔ واﻟﺘﺴﻮﻳﺔ‬.2
The Company has the right to:
:‫ﻟ ﻠ ﺸ ﺮ ﻛ ﺔ ا ﻟ ﺤ ﻖ ﻓ ﻲ أ ن‬
a. Represent the Insured or Driver in any investigation or interrogation relating to
any claim that is subject of indemnification under this Policy.
b. Handle any defense procedures to defend the Insured or Driver before any ‫ ﺗ ﻤ ﺜ ﻞ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و ا ﻟ ﺴ ﺎ ﺋ ﻖ ﻓ ﻲ أ ي ﺗ ﺤ ﻘ ﻴ ﻖ أ و ا ﺳ ﺘ ﺠ ﻮا ب ﻳ ﺘ ﻌ ﻠ ﻖ ﺑ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ ﺗ ﻜ ﻮ ن ﻣ ﺤ ﻞ‬. ‫أ‬
judicial body relating to any claim or accusation concerning any event that may .‫ﺗﻌ ﻮﻳ ﺾ ﺑ ﻤ ﻮ ﺟ ﺐ ﻫﺬ ه اﻟ ﻮﺛﻴﻘ ﺔ‬
be the subject of indemnification under this Policy. ‫ ﺗ ﺘ ﻮ ﻟ ﻰ إ ﺟ ﺮا ءا ت ا ﻟ ﺪ ﻓ ﺎ ع ﻋ ﻦ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و ا ﻟ ﺴ ﺎ ﺋ ﻖ أ ﻣ ﺎ م أ ي ﺟ ﻬ ﺔ ﻗ ﻀ ﺎ ﺋ ﻴ ﺔ ﺑ ﺸ ﺄ ن أ ي ا د ﻋ ﺎ ء‬. ‫ب‬
c. The Insured shall notify the Company as soon as possible as he learns of any .‫أ و اﺗ ﻬﺎ م ﻟ ﻪ ﻋ ﻼﻗ ﺔ ﺑ ﺤﺪ ث ﻗﺪ ﻳ ﻜ ﻮ ن ﻣ ﺤ ﻞ ﺗﻌ ﻮﻳ ﺾ ﺑ ﻤ ﻮ ﺟ ﺐ ﻫﺬ ه اﻟ ﻮﺛﻴﻘ ﺔ‬
lawsuit, investigation or inquiry related to the said accident, unless the delay is ‫ ﻳ ﺠ ﺐ ﻋﻠ ﻰ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ إ ﺧ ﻄ ﺎ ر ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺑ ﺄ ﺳ ﺮ ع و ﻗ ﺖ ﺑ ﻤ ﺠ ﺮ د ﻋﻠ ﻤ ﻪ ﺑ ﻘ ﻴ ﺎ م د ﻋ ﻮ ى أ و ﺗ ﺤ ﻘ ﻴ ﻖ‬.‫ج‬
attributed to an acceptable reason. .‫ ﻣ ﺎ ﻟ ﻢ ﻳ ﻜ ﻦ ا ﻟ ﺘ ﺄ ﺧ ﻴ ﺮ ﻟﻌ ﺬ ر ﻣ ﻘ ﺒ ﻮ ل‬،‫أ و ﺗ ﺤ ﺮﻳ ﺎ ت ﺧ ﺎ ﺻ ﺔ ﺑ ﺎ ﻟ ﺤ ﺎ د ث ا ﻟ ﻤ ﺬ ﻛ ﻮ ر‬

3. Company's right to include the name of the Insured in the system of

the Saudi Credit Bureau (SIMAH): ‫ ﺣﻖ اﻟﺸﺮﻛﺔ ﻓﻲ إدراج اﺳﻢ اﻟﻤﺆﻣﻦ ﻟﻪ ﻓﻲ ﻧﻈﺎم اﻟﺸﺮﻛﺔ اﻟﻤﺮﺧﺺ ﻟﻬﺎ ﺑﺠﻤﻊ‬.3
:‫اﻟ ﻤ ﻌﻠ ﻮ ﻣﺎ ت ا ﻻﺋﺘ ﻤﺎﻧﻴ ﺔ ﻋ ﻦ اﻟ ﻤ ﺴﺘ ﻬﻠ ﻜﻴ ﻦ‬
The Company has the right in case the Insured failed to pay the contributions of the
policyto include the name of the Insured in the system of the Saudi Credit Bureau ‫ﻳ ﺤ ﻖ ﻟ ﻠ ﺸ ﺮ ﻛ ﺔ ﻓ ﻲ ﺣ ﺎ ل ﺗ ﻌ ﺜ ﺮ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻋ ﻦ ﺳ ﺪا د ا ﺷ ﺘ ﺮا ﻛ ﺎ ت ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ إ د را ج ا ﺳ ﻢ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻓ ﻲ‬
(SIMAH). .‫ﻧ ﻈ ﺎ م ا ﻟ ﺸ ﺮ ﻛ ﺔ ا ﻟ ﻤ ﺮ ﺧ ﺺ ﻟ ﻬ ﺎ ﺑ ﺠ ﻤ ﻊ ا ﻟ ﻤ ﻌﻠ ﻮ ﻣ ﺎ ت ا ﻻﺋ ﺘ ﻤ ﺎﻧ ﻴ ﺔ ﻋ ﻦ ا ﻟ ﻤ ﺴ ﺘ ﻬﻠ ﻜ ﻴ ﻦ‬

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

covered under this Policy: :‫ اﻟﺘﺰاﻣﺎت اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ ﻋﻨﺪ وﻗﻮع ﺧﻄﺮ ﻏﻴﺮ ﻣﺴﺘﺜﻨﻰ ﻓﻲ اﻟﻮﺛﻴﻘﺔ‬.4
a. Inform the authorities immediately as soon as an accident occurs, and not to
‫ و ﻋ ﺪ م ﻣﻐ ﺎ د ر ة ﻣ ﻮ ﻗ ﻊ ا ﻟ ﺤ ﺎ د ث إ ﻟ ﻰ ﺣ ﻴ ﻦ‬،‫ إﺑ ﻼ غ ا ﻟ ﺠ ﻬ ﺎ ت ا ﻟ ﻤ ﺨ ﺘ ﺼ ﺔ ﻓ ﻮ ر و ﻗ ﻮ ع ﺣ ﺎ د ث‬.‫أ‬
leave the scene of the accident until the completion of the procedures, except in
‫ و ﻳ ﺴ ﺘ ﺜ ﻨ ﻰ ﻣ ﻦ ذ ﻟ ﻚ ا ﻟ ﺤ ﺎ ﻻ ت ا ﻟ ﺘ ﻲ ﺗ ﺴ ﺘ ﻠ ﺰ م ﻣ ﻐ ﺎ د ر ة ﻣ ﻮ ﻗ ﻊ ا ﻟ ﺤ ﺎ د ث ﻣ ﺜ ﻞ و ﺟ ﻮ د‬، ‫إ ﻧ ﻬ ﺎ ءا ﻹ ﺟ ﺮا ءا ت‬
cases where leaving the scene of the accident is necessary, such as bodily
.‫إ ﺻﺎﺑﺎ ت ﺟ ﺴﺪﻳ ﺔ‬
injuries.
‫ أ و ا ﻟ ﺪ ﻓ ﻊ أ و ا ﻟ ﺘ ﻌ ﻬ ﺪ ﺑ ﺪ ﻓ ﻊ أ ي ﻣ ﺒ ﻠ ﻎ ﻷ ي‬، ‫ ﻋ ﺪ م ا ﻹ ﻗ ﺮا ر ﺑ ﺎ ﻟ ﻤ ﺴ ﺌ ﻮ ﻟ ﻴ ﺔ ﺑ ﻘ ﺼ ﺪ ا ﻹ ﺿ ﺮا ر ﺑ ﺎ ﻟ ﺸ ﺮ ﻛ ﺔ‬. ‫ب‬
b. Not to acknowledge responsibility in order to cause damage to the Company, or
‫ﻃ ﺮ ف ﻓ ﻲ ا ﻟ ﺤ ﺎ د ث إ ﻻ ﺑ ﻌ ﺪ ا ﻟ ﺤ ﺼ ﻮ ل ﻋ ﻠ ﻰ ا ﻟ ﻤ ﻮا ﻓ ﻘ ﺔ ا ﻟ ﻜ ﺘ ﺎ ﺑ ﻴ ﺔ ا ﻟ ﻤ ﺴ ﺒ ﻘ ﺔ ﻣ ﻦ ا ﻟ ﺸ ﺮ ﻛ ﺔ‬
to pay or promise to pay any amount to any party in the accident except after
‫ و ﺗ ﺤ ﺮ ﻳ ﺮ ا ﻟ ﻮ ﻛ ﺎ ﻻ ت ا ﻟ ﺸ ﺮ ﻋ ﻴ ﺔ ا ﻟ ﺘ ﻲ ﺗ ﻤ ﻜ ﻨ ﻬ ﺎ ﻣ ﻦ ا ﺗ ﺨ ﺎ ذ إ ﺟ ﺮا ءا ت‬، ‫ ا ﻟ ﺘ ﻌ ﺎ و ن ﻣ ﻊ ا ﻟ ﺸ ﺮ ﻛ ﺔ‬. ‫ج‬
obtaining prior written approval from the Company.
. ‫ أ و ا ﻟ ﺴ ﺎ ﺋ ﻖ‬، ‫ا ﻟ ﻤ ﺮا ﻓ ﻌ ﺔ وا ﻟ ﻤ ﺪا ﻓ ﻌ ﺔ وا ﻟ ﺘ ﺴ ﻮ ﻳ ﺔ ﻧ ﻴ ﺎ ﺑ ﺔ ﻋ ﻦ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ‬
c. Cooperate with the Company, and to provide power of attorney to enable the
‫ أ ن ﻳ ﻘ ﻮ م ﻋﻠ ﻰ ﻧ ﻔ ﻘ ﺔ ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺑ ﺠ ﻤ ﻴ ﻊ ا ﻷ ﻋ ﻤ ﺎ ل ا ﻟ ﻼ ز ﻣ ﺔ ﻟ ﻀ ﻤ ﺎ ن ﺣ ﻖ ا ﻟ ﺸ ﺮ ﻛ ﺔ ﻓ ﻲ ﺗ ﺤ ﺼ ﻴ ﻞ أ ي‬.‫د‬
Company to handle the legal proceedings and settlements on behalf of the
.‫ﻣﺒﺎﻟ ﻎ ﺗ ﺴﺘ ﺤﻘ ﻬﺎ ﻣ ﻦ أ ي ﻃ ﺮ ف آ ﺧ ﺮ ﻧﺘﻴ ﺠ ﺔ ﺗﻌ ﻮﻳ ﺾ ﺗﻘ ﻮ م ﺑﺪﻓﻌ ﺔ ﺑ ﻤﻘﺘ ﻀ ﻰ ﻫﺬ ه اﻟ ﻮﺛﻴﻘ ﺔ‬
Insured or Driver.
d. Take all necessary actions at Company’s expense to ensure the Company's right
to collect any amounts due to it from any other party as a result of compensation
paid under this Policy.
5. Fraud:
:‫ ا ﻻ ﺣﺘﻴﺎ ل‬. 5
The rights resulting from this Policy shall be forfeited, if submitted claim involves any
type of fraud, or if the Insured or Driver or their representatives or the third parties have ‫ أ و ا ﺳ ﺘ ﺨ ﺪ م‬، ‫ﺗ ﺴ ﻘ ﻂ ا ﻟ ﺤ ﻘ ﻮ ق ا ﻟ ﻨ ﺎ ﺷ ﺌ ﺔ ﻋ ﻦ ﻫ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ إ ذا ا ﻧ ﻄ ﻮ ت ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒ ﺔ ا ﻟ ﻤ ﻘ ﺪ ﻣ ﺔ ﻋ ﻠ ﻰ ا ﺣ ﺘ ﻴ ﺎ ل‬
used any fraudulent methods or means in order to obtain any benefit under this Policy, ‫ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و ا ﻟ ﺴ ﺎﺋ ﻖ أ و ﻣ ﻦ ﻳ ﻨ ﻮ ب ﻋ ﻨ ﻬ ﻤ ﺎ أ و ا ﻟ ﻐ ﻴ ﺮ أ ﺳ ﺎ ﻟ ﻴ ﺐ أ و و ﺳ ﺎﺋ ﻞ ا ﺣ ﺘ ﻴ ﺎ ل ﺑ ﻐ ﻴ ﺔ ا ﻟ ﺤ ﺼ ﻮ ل ﻋﻠ ﻰ‬
or if liability or damage is a result of deliberate act committed by the Insured or Driver ‫ أ و ﻧ ﺘ ﺠ ﺖ ا ﻟ ﻤ ﺴ ﺌ ﻮ ﻟ ﻴ ﺔ أ و ا ﻟ ﻀ ﺮ ر ﻣ ﻦ ﺟ ﺮا ء ﻓ ﻌ ﻞ ﻣ ﺘ ﻌ ﻤ ﺪ ﻣ ﻦ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و‬، ‫ﻣ ﻨ ﻔ ﻌ ﺔ ﻣ ﻦ ﻫ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ‬
or a third party or in collusion with any of them. The Company has the right to recourse ‫ و ﻟ ﻠ ﺸ ﺮ ﻛ ﺔ ا ﻟ ﺮ ﺟ ﻮ ع ﻋ ﻠ ﻰ أ ي ﻃ ﺮ ف ﺗ ﺘ ﺒ ﻴ ﻦ ﻣ ﺴ ﺆ و ﻟ ﻴ ﺘ ﻪ ﻋ ﻦ ﻫ ﺬا‬. ‫ا ﻟ ﺴ ﺎ ﺋ ﻖ أ و ا ﻟ ﻐ ﻴ ﺮ أ و ا ﻟ ﺘ ﻮا ﻃ ﺆ ﻣ ﻊ أ ي ﻣ ﻨ ﻬ ﻢ‬
against any party, who is responsible of such fraud either by participation or collusion. .‫ ﻋﻠﻰ أن ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ ﺑﺘﻌﻮﻳﺾ اﻟﻐﻴﺮ إذا ﻛﺎن ﺣﺴﻦ اﻟﻨﻴﺔ‬،ً ‫اﻻﺣﺘﻴﺎل ﺳﻮاء أﻛﺎن ﻣﺸﺎرﻛﺎ ً أم ﻣﺘﻮاﻃﺌﺎ‬
The Company is committed to compensate the third party if that third party acted in
good faith.

6. Cancellation:
:‫ ا ﻹﻟ ﻐﺎ ء‬. 6
Neither the Company nor the Insured is entitled to cancel this Policy after its issuance,
except in the following cases: :‫ﻻ ﻳ ﺤ ﻖ ﻟ ﻠ ﺸ ﺮ ﻛ ﺔ و ﻻ ﻟ ﻠ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ إ ﻟ ﻐ ﺎ ء ﻫ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ﺑ ﻌ ﺪ إ ﺻ ﺪا ر ﻫ ﺎ إ ﻻ ﻓ ﻲ أ ي ﻣ ﻦ ا ﻟ ﺤ ﺎ ﻻ ت ا ﻵ ﺗ ﻴ ﺔ‬

1. Cancellation of vehicle registration; .‫ إﺳﻘﺎط ﺳﺠﻞ اﻟﻤﺮﻛﺒﺔ‬.1

2. Transfer of ownership of the vehicle to another owner; .‫ اﻧﺘﻘﺎل ﻣﻠﻜﻴﺔ اﻟﻤﺮﻛﺒﺔ إﻟﻰ ﻣﺎﻟﻚ آﺧﺮ‬.2
3. The existence of an alternative insurance policy covering the remaining period .‫ وﺟﻮد وﺛﻴﻘﺔ ﺗﺄﻣﻴﻦ ﺑﺪﻳﻠﺔ ﺗ ُﻐﻄﻲ اﻟﻔﺘﺮة اﻟﻤﺘﺒﻘﻴﺔ ﻣﻦ اﻟﻮﺛﻴﻘﺔ اﻟﻤﺰﻣﻊ إﻟﻐﺎؤﻫﺎ‬.3
of the policy to be cancelled.
‫ﻋﻠ ﻰ أ ن ﺗ ﻘ ﻮ م ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺑ ﺈ ﻋ ﺎ د ة ا ﻟ ﻤ ﺒﻠ ﻎ ا ﻟ ﻤ ﺴ ﺘ ﺤ ﻖ ﻋ ﻦ ا ﻟ ﻤ ﺪ ة ا ﻟ ﻤ ﻨ ﻘ ﻀ ﻴ ﺔ ﻣ ﻦ ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ إ ﻟ ﻰ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻣ ﻦ‬
The Company shall return the proportional amount to the Insured, by depositing this in ‫ﻤ ﺘ ﺒ ﻘ ﻲ ﻣ ﻦ ا ﻻ ﺷ ﺘ ﺮا ك ﻓ ﻲ ا ﻟ ﺤ ﺴ ﺎ ب ا ﻟ ﺒ ﻨ ﻜ ﻲ ا ﻟ ﺨ ﺎ ص ﺑ ﻪ ﻋ ﻦ ﻃ ﺮ ﻳ ﻖ ر ﻗ ﻢ ا ﻟ ﺤ ﺎ ﺳ ﺐ‬ ُ ‫ﺧ ﻼ ل إ ﻳ ﺪا ع ا ﻟ ﻤ ﺒ ﻠ ﻎ ا ﻟ‬
the bank account through International Bank Account Number (IBAN) within three ‫ وذﻟﻚ ﺧﻼل ﺛﻼﺛﺔ أﻳﺎم ﻋﻤﻞ ﻣﻦ ﺗﺎرﻳﺦ ﻋﻠﻢ اﻟﺸﺮﻛﺔ ﺑﺤﺪوث أي ﻣﻦ‬،( IBAN) ‫اﻟﻤﺼﺮﻓﻲ اﻟﺪوﻟﻲ‬
business days from the date of the Company's knowledge of any of the above cases. ‫ وﻳ ﺤ ﺘ ﺴ ﺐ ا ﻟ ﻤ ﺒﻠ ﻎ ا ﻟ ﻤ ﺴ ﺘ ﺤ ﻖ إ ﻋ ﺎ دﺗ ﻪ ﻟﻠ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻋ ﻦ ا ﻟ ﻤ ﺪ ة ﻏ ﻴ ﺮ‬،‫ا ﻟ ﺤ ﺎ ﻻ ت ا ﻟ ﻤ ﺬ ﻛ ﻮ ر ة ﻓ ﻲ ﻣ ﻘ ﺪ ﻣ ﺔ ا ﻟ ﻔ ﻘ ﺮ ة‬
The amount due to be returned to the Insured is calculated by subtracting the expired ‫اﻟ ﻤﻨﻘ ﻀﻴ ﺔ ﻣ ﻦ ﻓﺘ ﺮ ة اﻟﺘﻐ ﻄﻴ ﺔ اﻟﺘﺄ ﻣﻴﻨﻴ ﺔ ﻣ ﻦ ﺧ ﻼ ل ﻃ ﺮ ح ا ﻷﻳﺎ م اﻟ ﻤﻨﻘ ﻀﻴ ﺔ ﻣ ﻦ أﻳﺎ م اﻟﺘﻐ ﻄﻴ ﺔ اﻟﺘﺄ ﻣﻴﻨﻴ ﺔ‬
days from the total number of days of the insurance coverage then dividing the result ‫ﻛ ﺎ ﻣ ﻠ ﺔ ﺛ ﻢ ﻗ ﺴ ﻤ ﺔ ا ﻟ ﻨ ﺎ ﺗ ﺞ ﻋ ﻠ ﻰ ﻋ ﺪ د أ ﻳ ﺎ م ا ﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻨ ﻴ ﺔ ﻛ ﺎ ﻣ ﻠ ﺔ و ﺿ ﺮ ب ا ﻟ ﻨ ﺎ ﺗ ﺞ ﺑ ﺎ ﻻ ﺷ ﺘ ﺮا ك ﻣ ﺨ ﺼ ﻮ ﻣ ﺎ ً ﻣ ﻨ ﻪ‬
by the total number of days of insurance coverage and multiplying the resultant against (‫ رﻳﺎﻻ ً ﻛﺤﺪ أﻗﺼﻰ‬25 ‫اﻟﺮﺳﻮم اﻹدارﻳﺔ )ﻣﺒﻠﻎ‬
the premium less the administrative fees (maximum 25 Saudi Riyals).
:‫و ﻳ ﻜ ﻮ ن ا ﻟ ﻨ ﺎ ﺗ ﺞ ﻫ ﻮ ا ﻻ ﺷ ﺘ ﺮا ك ا ﻟ ﻤ ﺘ ﺒ ﻘ ﻲ ﻟ ﺘ ﻜ ﻮ ن ﻛ ﺎ ﻵ ﺗ ﻲ‬
The formula for the remaining premium to be as follows:
= (‫ رﻳﺎﻻ ً ﻛﺤﺪ أﻗﺼﻰ‬25 ‫ × اﻻﺷﺘﺮاك ﺑﻌﺪ ﺧﺼﻢ اﻟﺮﺳﻮم اﻹدارﻳﺔ )ﻣﺒﻠﻎ‬365 / (‫اﻷﻳﺎم اﻟﻤﺴﺘﻬﻠﻜﺔ‬-365)
(365 days – expired days) / 365 X premium after deduction of administrative fees . ‫ا ﻻ ﺷ ﺘ ﺮا ك ا ﻟ ﻤ ﺘ ﺒ ﻘ ﻲ‬
(maximum 25 Saudi Riyals) = remaining premium.
‫ﻤ ﺰﻣﻊ‬
ُ ‫و ﻳ ﺴ ﺘ ﺜ ﻨ ﻰ ﻣ ﻦ إ ﻟ ﺰا م ا ﻟ ﺸ ﺮ ﻛ ﺔ ﺑ ﺪ ﻓ ﻊ ا ﻻ ﺷ ﺘ ﺮا ك ا ﻟ ﻤ ﺘ ﺒ ﻘ ﻲ ﻓ ﻲ ﺣ ﺎ ل و ﺟ ﻮ د ﻣ ﻄ ﺎ ﻟ ﺒ ﺔ ﻣ ﺘ ﻌ ﻠ ﻘ ﺔ ﺑ ﺎ ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ا ﻟ‬
The Company is not obligated to pay the remaining premium with the existence of ‫إ ﻟ ﻐ ﺎ ؤ ﻫ ﺎ و ﻋ ﻠ ﻰ ذا ت ا ﻟ ﻤ ﺮ ﻛ ﺒ ﺔ ﺗ ﺰ ﻳ ﺪ ﻗ ﻴ ﻤ ﺘ ﻬ ﺎ ﻋ ﻦ ﻗ ﻴ ﻤ ﺔ ا ﻟ ﻤ ﺒ ﻠ ﻎ ا ﻟ ﻤ ﻔ ﺘ ﺮ ض إ ﻋ ﺎ د ﺗ ﻪ و ﻓ ﻖ ﻃ ﺮ ﻳ ﻘ ﺔ ا ﻟ ﺤ ﺎ ﺳ ﺐ‬
outstanding claim on the policy to be cancelled at the same vehicle the amount of .‫أ ﻋ ﻼ ه‬
which exceeds the amount supposed to be returned as per the above formula.
‫و ﺑ ﺎ ﻟ ﺮ ﻏ ﻢ ﻣ ﻤ ﺎ ﺗ ﻘ ﺪ م ﺗ ﻈ ﻞ ا ﻟ ﺸ ﺮ ﻛ ﺔ وا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ وا ﻟ ﺴ ﺎ ﺋ ﻖ ﻣ ﻠ ﺘ ﺰ ﻣ ﻴ ﻦ ﺑ ﺄ ﺣ ﻜ ﺎ م ﻫ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ﺑ ﺸ ﺄ ن‬
Notwithstanding the above, the Company, the Insured and the Driver shall remain . ‫ا ﻻ ﻟ ﺘ ﺰا ﻣ ﺎ ت ا ﻟ ﻨ ﺎ ﺷ ﺌ ﺔ ﻗ ﺒ ﻞ إ ﻟ ﻐ ﺎ ﺋ ﻬ ﺎ‬
committed with the provisions of this policy regarding the obligation arising prior to its
cancellation.

7. Issuance of policy and notice of renewal:

:‫ إﺻﺪار اﻟﻮﺛﻴﻘﺔ واﻹﺷﻌﺎر ﺑﺎﻟﺘﺠﺪﻳﺪ‬.7
The Company has no right to issue this policy unless it is electronically link with the
application of Najm Company for Insurance Services. The Company shall be ‫ﻻ ﻳ ﺤ ﻖ ﻟ ﻠ ﺸ ﺮ ﻛ ﺔ إ ﺻ ﺪا ر ﻫ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ﻣ ﺎ ﻟ ﻢ ﺗ ﻜ ﻦ ﻣ ﺮ ﺗ ﺒ ﻄ ﺔ آ ﻟ ﻴ ﺎ ً ﺑ ﻨ ﻈ ﺎ م ا ﻟ ﺸ ﺮ ﻛ ﺔ ا ﻟ ﺤ ﺎ ﺻ ﻠ ﺔ ﻋ ﻠ ﻰ ﻣ ﻮا ﻓ ﻘ ﺔ‬
automatically connected to the Company's system approved by SAMA to provide the ‫ وﻳ ﺠ ﺐ ﻋﻠ ﻰ‬،‫ا ﻟ ﺒ ﻨ ﻚ ا ﻟ ﻤ ﺮ ﻛ ﺰ ي ا ﻟ ﺴ ﻌ ﻮ د ي ﺑ ﺘ ﻘ ﺪﻳ ﻢ ﺧ ﺪ ﻣ ﺔ ﺟ ﻤ ﻊ و ﺣ ﻔ ﻆ وﺗ ﺒ ﺎ د ل ا ﻟ ﻤ ﻌﻠ ﻮ ﻣ ﺎ ت ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻨ ﻴ ﺔ‬
service of collection, storage and exchange of insurance information. The Company ‫اﻟ ﺸ ﺮ ﻛ ﺔ إ ﺷﻌﺎ ر اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻗﺒ ﻞ ﻣ ﻮ ﻋﺪ ﺗﺎ رﻳ ﺦ اﻧﺘ ﻬﺎء اﻟ ﻮﺛﻴﻘ ﺔ ﺑﻌ ﺸ ﺮﻳ ﻦ ﻳ ﻮ م ﻋ ﻤ ﻞ ﻟﻴﺘ ﻤ ﻜ ﻦ ﻣ ﻦ ﺗ ﺠﺪﻳﺪ ﻫﺎ أ و‬
must notify the Insured twenty working days prior to the expiry date of the policy to .‫ا ﻟ ﺤ ﺼ ﻮ ل ﻋﻠ ﻰ وﺛ ﻴ ﻘ ﺔ ﻣ ﻦ ﺷ ﺮ ﻛ ﺔ أ ﺧ ﺮ ى‬
enable the Insured to renew or obtain a policy from another Company.

8. Jurisdiction and applicable laws:

a. Any dispute arising out of this Policy shall be subject and governed by the :‫ اﻻﺧﺘﺼﺎص اﻟﻘﻀﺎﺋﻲ واﻟﻨﻈﺎم اﻟﻮاﺟﺐ اﻟﺘﻄﺒﻴﻖ‬.8
applicable laws and regulations of the Kingdom of Saudi Arabia. The Committees
‫ ﻳ ﺨ ﻀ ﻊ أ ي ﻧ ﺰا ع ﻳ ﻨ ﺸ ﺄ ﻋ ﻦ ﻫ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ﻟ ﻸ ﻧ ﻈ ﻤ ﺔ وا ﻟ ﻠ ﻮا ﺋ ﺢ ا ﻟ ﻤ ﻌ ﻤ ﻮ ل ﺑ ﻬ ﺎ ﻓ ﻲ ا ﻟ ﻤ ﻤ ﻠ ﻜ ﺔ ا ﻟ ﻌ ﺮ ﺑ ﻴ ﺔ‬. ‫أ‬
for the Resolution of Insurance Disputes and Violations shall be determined
‫ و ﺗ ﺨ ﺘ ﺺ ﺑ ﺎ ﻟ ﻔ ﺼ ﻞ ﻓ ﻴ ﻪ ﻟ ﺠ ﺎ ن ا ﻟ ﻔ ﺼ ﻞ ﻓ ﻲ ا ﻟ ﻤ ﻨ ﺎ ز ﻋ ﺎ ت وا ﻟ ﻤ ﺨ ﺎ ﻟ ﻔ ﺎ ت ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻨ ﻴ ﺔ وا ﻟ ﻤ ﻨ ﺼ ﻮ ص‬، ‫ا ﻟ ﺴ ﻌ ﻮ د ﻳ ﺔ‬
in Article 20 of the Cooperative Insurance Companies Control Law issued by Royal
‫( ﻣﻦ ﻧﻈﺎم ﻣﺮاﻗﺒﺔ ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ اﻟﺘﻌﺎوﻧﻲ اﻟﺼﺎدر ﺑﺎﻟﻤﺮﺳﻮم‬20) ‫ﻋﻠﻴﻬﺎ ﻓﻲ اﻟﻤﺎدة رﻗﻢ‬
Decree No. M / 32 dated 02/06/1424H.
. ‫ﻫـ‬1424/06/02 ‫ ( وﺗﺎرﻳﺦ‬32/‫اﻟﻤﻠﻜﻲ رﻗﻢ )م‬
b. Any case arising out of this Policy shall not be heard after the expiration of five
‫ ﻻ ﺗ ُﺴﻤﻊ أي دﻋﻮى ﻧﺎﺷﺌﺔ ﻋﻦ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﺑﻌﺪ اﻧﻘﻀﺎء ﺧﻤﺲ ﺳﻨﻮات ﻋﻠﻰ ﺣﺪوث اﻟﻮاﻗﻌﺔ‬.‫ب‬
years from the occurrence of the incident giving rise to the proceedings and with
‫ا ﻟ ﺘ ﻲ ﻧ ﺸ ﺄ ت ﻋ ﻨ ﻬ ﺎ ا ﻟ ﺪ ﻋ ﻮ ى و ﻋﻠ ﻢ ذ و ي ا ﻟ ﻤ ﺼﻠ ﺤ ﺔ ﺑ ﺤ ﺪ وﺛ ﻬ ﺎ ﻣ ﺎ ﻟ ﻢ ﻳ ﻜ ﻦ ﻫ ﻨ ﺎ ك ﻋ ﺬ ر ﺗ ﻘ ﺘ ﻨ ﻊ ﺑ ﻪ ﻟ ﺠ ﺎ ن‬
the knowledge of the parties concerned, unless there is a valid excuse accepted by
. ‫ا ﻟ ﻔ ﺼ ﻞ ﻓ ﻲ ا ﻟ ﻤ ﻨ ﺎ ز ﻋ ﺎ ت وا ﻟ ﻤ ﺨ ﺎ ﻟ ﻔ ﺎ ت ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻨ ﻴ ﺔ‬
the Committees for the Resolution of Disputes and Insurance Violations.
 9. Arabic to Prevail:
:‫ﺳﻴﺎده اﻟﻨﺺ اﻟﻌﺮﺑﻲ‬.9
In the event of any difference in meaning between the Arabic and English texts in this
Policy, the Arabic text shall prevail. ‫ﻓ ﻲ ﺣ ﺎ ﻟ ﺔ و ﻗ ﻮ ع ﺧ ﻼ ف ﻓ ﻲ ا ﻟ ﻤ ﻌ ﻨ ﻰ ﺑ ﻴ ﻦ ا ﻟ ﻨ ﺺ ا ﻟ ﻌ ﺮ ﺑ ﻲ وا ﻟ ﻨ ﺺ ا ﻹ ﻧ ﺠ ﻠ ﻴ ﺰ ي ﻟ ﻬ ﺬ ه ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ﻓ ﺈ ن ا ﻟ ﻨ ﺺ‬
.‫اﻟﻌ ﺮﺑ ﻲ ﻫ ﻮ اﻟﺬ ي ﻳﻌﺘﺪ ﺑ ﻪ‬

Article 8: Cases where the Company is obligated to compensate Third parties ‫ اﻟﺤﺎﻻـت اﻟﺘﻲ ﺗﻠﺘﺰم اﻟﺸـﺮﻛﺔ ﺑﺘﻌﻮﻳﺾ اﻟﻐﻴﺮ ﻋﻨﻬـﺎ ﻣﻊ اﺣﺘﻔﺎﻇﻬﺎ ﺑﺤﻖ‬:‫اﻟﻤﺎدة اﻟﺜﺎﻣﻨﺔ‬
without prejudice to the right of the Company to recourse against the Insured or ‫اﻟ ﺮ ﺟ ﻮ ع اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أو اﻟ ﺴﺎﺋ ﻖ أو اﻟ ﻤﺘ ﺴﺒ ﺐ ﻓ ﻲ اﻟ ﺤﺎد ث‬
Driver or whomever responsible for the accident.

First: The Company reserves the right of recourse against the Insured or Driver ‫ ﻟﻠﺸﺮﻛﺔ ﺣﻖ اﻟﺮﺟﻮع ﻋﻠﻰ اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ ﻻﺳﺘﺮداد ﻣﺎ دﻓﻌﺘﻪ ﻟﻠﻐﻴﺮ ﻋﻦ‬:ً ‫أوﻻ‬
o r whomever responsible for the accident to recover amounts paid to third :‫أ ي ﻣ ﻦ اﻟ ﺤﺎ ﻻ ت ا ﻵﺗﻴ ﺔ‬
parties in any of the following cases:
:‫ أي ﻣﺴﺆوﻟﻴﺔ أو ﻣﺼﺎرﻳﻒ ﺗﻨﺸﺄ أو ﺗﺘﺮﺗﺐ ﻋﻨﺪﻣﺎ ﺗﻜﻮن اﻟﻤﺮﻛﺒﺔ‬.1
1. Any liability or expenses arising whilst the insured vehicle is:
a. Used in contravention of restrictions of use stated in the Schedule. .‫ ﻣ ﺴﺘ ﻌ ﻤﻠ ﺔ ﻋﻠ ﻰ و ﺟ ﻪ ﻳ ﺨﺎﻟ ﻒ ﻗﻴ ﺪ ا ﻻ ﺳﺘ ﻌ ﻤﺎ ل اﻟ ﻤﺒﻴ ﻦ ﻓ ﻲ ﺟ ﺪو ل اﻟ ﻮﺛﻴ ﻘ ﺔ‬.‫أ‬
b. Carried a number of passengers exceeding the authorized capacity of the ‫ و ﺛﺒ ﺖ أ ن‬،‫ ﺗ ﺤ ﻤ ﻞ ﻋ ﺪ دا ً ﻣ ﻦ ا ﻟ ﺮ ﻛ ﺎ ب ﻳﺘ ﺠ ﺎ و ز ا ﻟ ﺴ ﻌ ﺔ ا ﻟ ﻤ ﺼ ﺮ ح ﺑ ﻬ ﺎ ﻟﻠ ﻤ ﺮ ﻛﺒ ﺔ‬.‫ب‬
vehicle, which was proven to be the cause of the accident. .‫ﺣ ﺼ ﻮ ل ا ﻟ ﺤ ﺎ د ث ﻛ ﺎ ن ﺑ ﺴﺒ ﺐ ﻫ ﺬا ا ﻟﺘ ﺠ ﺎ و ز‬
c. Being driven in the opposite direction of traffic line. .‫ اﻟ ﺴﻴ ﺮ ﺑﺎﻟ ﻤ ﺮ ﻛﺒ ﺔ ﻋ ﻜ ﺲ اﺗ ﺠﺎه اﻟ ﺴﻴ ﺮ‬.‫ج‬
d. Driven by a person under the influence of drugs, alcohol or medical ‫ ا ﻟ ﻘﻴ ﺎ د ة ﺗ ﺤ ﺖ ﺗ ﺄ ﺛﻴ ﺮ ا ﻟ ﻤ ﺨ ﺪ را ت أ و ا ﻟ ﻤ ﺸ ﺮ و ﺑ ﺎ ت ا ﻟ ﻜ ﺤ ﻮ ﻟﻴ ﺔ أ و ا ﻟ ﻌ ﻘ ﺎ ﻗﻴ ﺮ ا ﻟ ﻄﺒﻴ ﺔ‬.‫د‬
drugs that are not medically allowed to drive after intake. .‫اﻟﺘ ﻲ ﻻ ﻳ ﺴ ﻤ ﺢ ﻃﺒﻴﺎ ً ﺑﺎﻟ ﻘﻴﺎ دة ﺑ ﻌ ﺪ ﺗﻨﺎوﻟ ﻬﺎ‬
e. Driven by any person under 18 years of age, unless insured, or his or her ‫( ﻋﺎﻣﺎ ً ﻫﺠﺮﻳﺎ ً ﻣﺎ ﻟﻢ ﻳﻜﻦ ﻫﻮ اﻟﻤﺆﻣﻦ ﻟﻪ‬18) ‫ ﻗﻴﺎدة أي ﺷﺨﺺ ﻳﻘﻞ ﻋﻤﺮه ﻋﻦ‬.‫ه‬
name is among the names of authorized Drivers less than 18 years of age ‫ﻤ ﺴ ﻤﻴ ﻦ اﻟﺬﻳ ﻦ ﺗ ﻘ ﻞ أ ﻋ ﻤﺎ ر ﻫ ﻢ ﻋ ﻦ‬ ُ ‫و ﻣﺎ ﻟ ﻢ ﻳ ﺮد ا ﺳ ﻤ ﻪ ﺿ ﻤ ﻦ أ ﺳ ﻤﺎ ء اﻟ ﺴﺎﺋ ﻘﻴ ﻦ اﻟ‬
stated in the policy schedule. .‫ ﺳﻨﺔ ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬18
f. Driven by any person who does not hold a driving license for such type ‫ إ ذا ﺛﺒ ﺖ أ ن ﻗﻴ ﺎ د ة ا ﻟ ﻤ ﺮ ﻛﺒ ﺔ ﺗ ﻤ ﺖ د و ن ا ﻟ ﺤ ﺼ ﻮ ل ﻋﻠ ﻰ ر ﺧ ﺼ ﺔ ﻗﻴ ﺎ د ة ﻟﻨ ﻮ ع‬.‫و‬
of vehicle in accordance with the relevant laws and regulations, or if the ‫ أ و أ ن ﺗ ﻜ ﻮ ن ا ﻟ ﺮ ﺧ ﺼ ﺔ ﻗ ﺪ ﺻ ﺪ ر‬،‫ا ﻟ ﻤ ﺮ ﻛﺒ ﺔ ﻃﺒ ﻘ ﺎ ً ﻟ ﻸ ﻧ ﻈ ﻤ ﺔ وا ﻟﻠ ﻮا ﺋ ﺢ ذا ت ا ﻟ ﻌ ﻼ ﻗ ﺔ‬
driving license is temporarily or permanently suspended unless the ‫ أو ﻛﺎﻧ ﺖ ﻣﻨﺘ ﻬﻴ ﺔ و ﻗ ﺖ اﻟ ﺤﺎ د ث ﻣﺎﻟ ﻢ ﻳ ﺠ ﺪ د‬،‫أ ﻣ ﺮ ﺑ ﺴ ﺤﺒ ﻬﺎ ﻣ ﻦ اﻟ ﺠ ﻬﺎ ت اﻟ ﻤ ﺨﺘ ﺼ ﺔ‬
license expired within 50 working days from the date of the accident. .‫ ﻳﻮم ﻋﻤﻞ ﻣﻦ ﺗﺎرﻳﺦ اﻟﺤﺎدث‬50 ‫اﻟﺮﺧﺼﺔ اﻟﻤﻨﺘﻬﻴﺔ ﺧﻼل‬
g. Escape of the Driver of the vehicle from the scene of the accident without .‫ ﻫ ﺮو ب اﻟ ﺴﺎﺋ ﻖ ﻣ ﻦ ﻣ ﻮ ﻗ ﻊ اﻟ ﺤﺎ د ث دو ن ﻋ ﺬ ر ﻣ ﻘﺒ ﻮ ل‬.‫ز‬
an acceptable reason. .‫ ﺗ ﺠ ﺎ و ز ا ﻹ ﺷ ﺎ را ت ا ﻟ ﺤ ﻤ ﺮا ء‬.‫ح‬
h. Crossing the traffic red light. ‫ اﻹدﻻء ﺑﺒﻴﺎﻧﺎت ﻏﻴﺮ ﺻﺤﻴﺤﺔ أو إﺧﻔﺎء ﺣﻘﻴﻘﺔ ﺟﻮﻫﺮﻳﺔ ﻓﻲ ﻧﻤﻮذج ﻃﻠﺐ‬.2
2. Making false representation or concealed material facts in the insurance .‫اﻟﺘﺄ ﻣﻴ ﻦ‬
proposal form that affects the Company’s acceptance of the risk, or the .ً ‫ إذا ﺛﺒﺖ وﻗﻮع اﻟﺤﺎدث ﻋﻤﺪا‬.3
premium or the insurance terms and conditions. ‫ ﻋﺪم إﺑﻼغ اﻟﻤﺆﻣﻦ ﻟﻪ ﻟﻠﺸﺮﻛﺔ ﺧﻼل ﻋﺸﺮﻳﻦ ﻳﻮم ﻋﻤﻞ ﻋﻦ أي ﺗﻐﻴﻴﺮ ﺟﻮﻫﺮي‬.4
3. If the accident is proven deliberately or intentionally committed. ‫ ( ﻣ ﻦ ا ﻟ ﻤ ﺎ د ة‬1 ) ‫ﻣ ﺮا ﻋ ﺎ ة ا ﻟ ﻔ ﻘ ﺮ ة ر ﻗ ﻢ‬
ُ ‫ ﻣ ﻊ‬،‫ﺻ ﺮ ح ﺑ ﻪ ﻓ ﻲ ﻧ ﻤ ﻮ ذ ج ﻃﻠ ﺐ اﻟﺘﺄ ﻣﻴ ﻦ‬
4. If the Insured does not inform the Company in writing within twenty .‫اﻟ ﺴﺎﺑ ﻌ ﺔ‬
working days of any material change declared in the insurance proposal
‫ إذا ﻛﺎﻧﺖ اﻟﻤﺮﻛﺒـﺔ ﻣﺴـﺮوﻗﺔ أو ﻣﺄﺧﻮذة ﻏﺼـﺒﺎ ً ﻓﺈن ﻟﻠﺸـﺮﻛﺔ ﺣﻖ اﻟﺮﺟﻮع ﻋﻠﻰ‬:ً ‫ﺛﺎﻧﻴـﺎ‬
form, subject to paragraph (1) of Article 7.
‫ أ و ا ﻟ ﻤـ ﺆ ﻣ ﻦ ﻟـ ﻪ ﻓ ﻲ ﺣـ ﺎ ل ﻟـ ﻢ ﻳ ﺨ ﻄ ﺮ ا ﻟ ﺠ ﻬـ ﺎ ت ا ﻟ ﻤ ﺨ ﺘ ﺼ ﺔ ﻋ ﻦ‬، ‫ا ﻟ ﻤ ﺘ ﺴــ ﺒ ﺐ ﻓ ﻲ ا ﻟ ﺤــ ﺎ د ث‬
Second: If the vehicle is stolen or taken by force, the Company has the right of .‫ ﻻ ﺳﺘ ﺮ دا د ﻣ ﺎ د ﻓ ﻌﺘ ﻪ ﻟﻠ ﻐﻴ ﺮ‬،‫ا ﻟ ﺴ ﺮ ﻗ ﺔ‬
recourse against the person causing the accident, or the Insured in case he or
‫ ﻋﻠﻰ اﻟﺸـﺮﻛﺔ إﺧﻄـﺎر اﻟﻤﺆﻣﻦ ﻟﻪ ﺧﻼـل ﻋﺸـﺮﻳﻦ ﻳﻮم ﻋﻤﻞ ﻣﻦ ﺗﺎرﻳـﺦ ﺗﻘﺪﻳﻢ‬:ً ‫ﺛﺎﻟﺚ ا‬
she did not notify the concerned authorities of the theft, to recover the amount
‫ ﻛ ﻤ ﺎ ﻋ ﻠ ﻰ ا ﻟ ﺸـ ﺮ ﻛ ﺔ ﻣ ﻤ ﺎ ر ﺳ ﺔ ﺣ ﻖ‬. ‫ا ﻟ ﻤ ﻄ ﺎ ﻟ ﺒـ ﺔ ا ﻟ ﺘ ﻲ ﺗ ﻨ ﻄ ﺒ ﻖ ﻋ ﻠ ﻴ ﻬـ ﺎ إ ﺣـ ﺪ ى ﺣ ﺎ ﻻ ت ا ﻟ ﺮ ﺟ ﻮ ع‬
paid to Third party.
‫اﻟ ﺮ ﺟ ﻮ ع ﺧ ﻼ ل ﻣﺪة أ ﻗ ﺼﺎ ﻫﺎ ﺳﻨ ﺔ ﻣ ﻦ ﺗﺎ رﻳ ﺦ ﺗ ﺴ ﻮﻳ ﺔ اﻟ ﻤ ﻄﺎﻟﺒ ﺔ‬
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.

Article 9: Exceptions (Cases not covered by insurance under this policy) (‫ ا ﻻ ﺳﺘﺜﻨ ﺎ ءا ت )ا ﻟ ﺤ ﺎ ﻻ ت ﻏﻴ ﺮ ا ﻟ ﻤ ﻐ ﻄ ﺎ ة ﺗ ﺄ ﻣﻴﻨﻴ ﺎ ً ﺑ ﻤ ﻮ ﺟ ﺐ ﻫ ﺬ ه ا ﻟ ﻮ ﺛﻴ ﻘ ﺔ‬:‫ا ﻟ ﻤ ﺎ د ة ا ﻟﺘ ﺎ ﺳ ﻌ ﺔ‬

The Company shall not be liable for payment of compensation in any of the :‫ﻟ ﻦ ﺗ ﻜ ﻮ ن ا ﻟ ﺸ ﺮ ﻛ ﺔ ﻣ ﺴﺌ ﻮ ﻟ ﺔ ﻋ ﻦ ﺳ ﺪا د ا ﻟﺘ ﻌ ﻮ ﻳ ﻀ ﺎ ت ﻓ ﻲ أ ي ﻣ ﻦ ا ﻟ ﺤ ﺎ ﻻ ت ا ﻵ ﺗﻴ ﺔ‬
following cases:

1. Loss or damage to the insured vehicle, or to the property belonging to ‫ أو ﻟﻠﻤﻤﺘﻠﻜﺎت اﻟﻌﺎﺋﺪة إﻟﻰ أي ﻣﻦ‬،‫ اﻟﺨﺴﺎرة أو اﻟﻀﺮر ﻟﻠﻤﺮﻛﺒﺔ اﻟﻤﺆﻣﻦ ﻋﻠﻴﻬﺎ‬.1
any insured person or Driver inside or outside the vehicle, or to goods ‫ أ و ا ﻟﺘ ﻲ ﺗﻠ ﺤ ﻖ ﺑ ﺎ ﻟﺒ ﻀ ﺎ ﺋ ﻊ‬،‫ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و ا ﻟ ﺴ ﺎ ﺋ ﻖ دا ﺧ ﻞ ا ﻟ ﻤ ﺮ ﻛﺒ ﺔ أ و ﺧ ﺎ ر ﺟ ﻬ ﺎ‬
carried by the vehicle or those under the custody or control or trust of ‫ا ﻟ ﻤﻨ ﻘ ﻮ ﻟ ﺔ ﺑ ﻮا ﺳ ﻄ ﺔ ا ﻟ ﻤ ﺮ ﻛﺒ ﺔ أ و ﺗﻠ ﻚ ا ﻟﺘ ﻲ ﻓ ﻲ ﻋ ﻬ ﺪ ﺗ ﻪ أ و ﺗ ﺤ ﺖ إ ﺷ ﺮا ﻓ ﻪ أ و أ ﻣ ﺎ ﻧ ﻪ‬
the Insured or Driver. .‫ﻟ ﺪﻳ ﻪ‬
2. Death or Bodily Injury to the Insured or Driver. .‫ أو اﻟ ﺴﺎﺋ ﻖ‬،‫اﻟ ﻮ ﻓﺎة أو ا ﻹ ﺻﺎﺑ ﺔ اﻟ ﺠ ﺴ ﺪﻳ ﺔ ﻟﻠ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ‬ .2
3. If the vehicle is used in any type of racing or pace making or reliability ‫ إذا ﻛﺎﻧﺖ اﻟﻤﺮﻛﺒﺔ ﻣﺴﺘﻌﻤﻠﺔ ﻓﻲ أي ﻧﻮع ﻣﻦ أﻧﻮاع اﻟﺴﺒﺎﻗﺎت أو ﻓﻲ ﺗﺤﺪﻳﺪ‬.3
trials. .‫ﺳ ﺮ ﻋ ﺔ ا ﻻﻧ ﻄ ﻼ ق أو ﻓ ﻲ ﺗ ﺠ ﺮﺑ ﺔ ا ﺧﺘﺒﺎ ر اﻟ ﻘ ﺪ رة‬
4. If the vehicle is used in areas where the general public are not allowed to ‫ إذا ﻛﺎﻧﺖ اﻟﻤﺮﻛﺒﺔ ﻣﺴﺘﻌﻤﻠﻪ ﺿﻤﻦ اﻟﻤﻨﺎﻃﻖ اﻟﺘﻲ ﻻ ﻳﺴﻤﺢ ﻋﺎدة ﻟﻠﻌﺎﻣﺔ‬.4
drive such as airports or seaports, unless the vehicle is used for ‫ﺑ ﺎ ﻟ ﻘﻴ ﺎ د ة ﻓﻴ ﻬ ﺎ دا ﺧ ﻞ ا ﻟ ﻤ ﻄ ﺎ را ت أ و ا ﻟ ﻤ ﻮا ﻧ ﺊ ا ﻟﺒ ﺤ ﺮ ﻳ ﺔ ﻣ ﺎ ﻟ ﻢ ﺗ ﻜ ﻦ ا ﻟ ﻤ ﺮ ﻛﺒ ﺔ‬
commercial purposes within the permitted range. .‫ﻣ ﺴﺘ ﺨ ﺪ ﻣ ﺔ ﻷ ﻏ ﺮا ض ﺗ ﺠ ﺎ ر ﻳ ﺔ ﻓ ﻲ ا ﻟﻨ ﻄ ﺎ ق ا ﻟ ﻤ ﺴ ﻤ ﻮ ح ﺑ ﻪ‬
5. If the Insured or Driver declares to bear responsibility for the accident ‫ إﻗﺮار اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ ﺑﺘﺤﻤﻞ ﻣﺴﺌﻮﻟﻴﺔ اﻟﺤﺎدث دون وﺟﻪ ﺣﻖ ﺑﻘﺼﺪ‬.5
without any right in order to cause damage to the Company. .‫ا ﻹ ﺿ ﺮا ر ﺑ ﺎ ﻟ ﺸ ﺮ ﻛ ﺔ‬
6. Collusion of the Insured or Driver with Third parties on an accident that is ‫ ﺗﻮاﻃﺆ اﻟﻤﺆﻣﻦ ﻟﻪ ﻣﻊ اﻟﻐﻴﺮ ﻋﻠﻰ ﺣﺎدث ﻣﻔﺘﻌﻞ واﻟﻤﺜﺒﺖ ﻓﻲ ﺗﻘﺮﻳﺮ اﻟﺤﺎدث‬.6
proven and confirmed in the accident report issued by the authorized .‫اﻟ ﺼﺎ د ر ﻋ ﻦ اﻟ ﺠ ﻬ ﺔ اﻟ ﻤ ﺨ ﻮﻟ ﺔ ﺑ ﻤﺒﺎ ﺷ ﺮة ﻣ ﻮ ﻗ ﻊ اﻟ ﺤﺎ د ث‬
body to handle the accident at the site of the accident.
7. Car drifting. .‫ اﻟﺘﻔﺤﻴﻂ‬.7
8. If the vehicle is used or operated as a tool of trade. .‫ إذا ﻛﺎﻧﺖ اﻟﻤﺮﻛﺒﺔ ﻣﺴﺘﻌﻤﻠﺔ أو ﻣﺸﻐﻠﺔ ﻛﺂﻟﻴﺎت ﻋﻤﻞ‬.8
9. Fines, financial penalties, warranties or guarantees that may be imposed ‫ أو اﻟﻜﻔﺎﻻت اﻟﺘﻲ ﻗﺪ ﺗﻔﺮض ﺑﺴﺒﺐ اﻟﺤﺎدث‬،‫ اﻟﻐﺮاﻣﺎت أو اﻟﻌﻘﻮﺑﺎت اﻟﻤﺎﻟﻴﺔ‬.9
to the Insured or Driver due to the accident. .‫ﻋﻠ ﻰ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أو اﻟ ﺴﺎﺋ ﻖ‬
10. Any liability or expenses arising directly or indirectly from the following: :‫ أي ﻣﺴﺆوﻟﻴﺔ أو ﻣﺼﺎرﻳﻒ ﺗﻨﺸﺄ ﻧﺘﻴﺠﺔ ﻣﺒﺎﺷﺮة أو ﻏﻴﺮ ﻣﺒﺎﺷﺮة ﻣﻦ اﻵﺗﻲ‬.10
a. War, invasion, foreign enemy acts, hostilities or warlike operations ‫)أ( اﻟﺤﺮب أو اﻟﻐﺰو أو أﻋﻤﺎل اﻟﻌﺪوان اﻷﺟﻨﺒﻲ أو اﻷﻋﻤﺎل اﻟﻌﺪواﻧﻴﺔ أو اﻷﻋﻤﺎل‬
(whether war be declared or not), civil war. .‫ﺷﺒ ﻪ ا ﻟ ﺤ ﺮ ﺑﻴ ﺔ ) ﺳ ﻮا ء أ ﻋﻠﻨ ﺖ ا ﻟ ﺤ ﺮ ب أ م ﻟ ﻢ ﺗ ﻌﻠ ﻦ( أ و ا ﻟ ﺤ ﺮ ب ا ﻷ ﻫﻠﻴ ﺔ‬
b. Rebellion, military or civil insurrection, insurgence, revolution, military or ‫)ب(اﻟﺘﻤﺮد أو اﻻﻧﺘﻔﺎﺿﺔ اﻟﻌﺴﻜﺮﻳﺔ أو اﻟﺸﻌﺒﻴﺔ أو اﻟﻌﺼﻴﺎن أو اﻟﺜﻮرة أو‬
usurped power, martial laws or state of siege, or any incident or cause that ‫ا ﻟ ﺴﻠ ﻄ ﺔ ا ﻟ ﻐ ﺎ ﺻﺒ ﺔ أ و ا ﻷ ﺣ ﻜ ﺎ م ا ﻟ ﻌ ﺮ ﻓﻴ ﺔ أ و ﺣ ﺎ ﻟ ﺔ ا ﻟ ﺤ ﺼ ﺎ ر أ و أ ي ﻣ ﻦ ا ﻷ ﺣ ﺪا ث أ و‬
leads to declaration or continuation of martial laws, state of siege, acts of ‫ا ﻷ ﺳﺒ ﺎ ب ا ﻟﺘ ﻲ ﺗ ﺆ د ي إ ﻟ ﻰ إ ﻋ ﻼ ن أ و ا ﺳﺘ ﻤ ﺮا ر ا ﻷ ﺣ ﻜ ﺎ م ا ﻟ ﻌ ﺮ ﻓﻴ ﺔ أ و ﺣ ﺎ ﻟ ﺔ ا ﻟ ﺤ ﺼ ﺎ ر أ و‬
vandalism and terrorist acts committed by a person(s) acting on their own ‫أ ﻋ ﻤ ﺎ ل ا ﻟﺘ ﺨ ﺮ ﻳ ﺐ وا ﻹ ر ﻫ ﺎ ب ا ﻟﺘ ﻲ ﻳ ﺮ ﺗ ﻜﺒ ﻬ ﺎ ﺷ ﺨ ﺺ أ و أ ﺷ ﺨ ﺎ ص ﻳ ﻌ ﻤﻠ ﻮ ن ﺑ ﺼ ﻔ ﺔ‬
behalf or on behalf of or in connection with any terrorist organization. For ‫ وﻳ ﻘ ﺼ ﺪ ﺑﺎ ﻹ ر ﻫﺎ ب‬.‫ﻣﻨ ﻔ ﺮ دة أو ﻧﻴﺎﺑ ﺔ ﻋ ﻦ أو ﻋﻠ ﻰ ﺻﻠ ﺔ ﺑﺄ ي ﻣﻨ ﻈ ﻤ ﺔ إ ر ﻫﺎﺑﻴ ﺔ‬
the purpose of this exclusion, terrorism shall mean the use of violence for ‫ا ﺳﺘ ﺨ ﺪا م ا ﻟ ﻌﻨ ﻒ ﻷ ﻏ ﺮا ض ﺳﻴ ﺎ ﺳﻴ ﺔ أ و ﻓ ﻜ ﺮ ﻳ ﺔ أ و ﻓﻠ ﺴ ﻔﻴ ﺔ أ و ﻋﻨ ﺼ ﺮ ﻳ ﺔ أ و ﻋ ﺮ ﻗﻴ ﺔ‬
political, intellectual, philosophical, racist, ethnic, social or religious ‫أو ﺷﺮﻳﺤﺔ ﻣﻨﻬﻢ‬/‫ وﻳﺸﻤﻞ اﺳﺘﺨﺪام اﻟﻌﻨﻒ وﺿﻊ اﻟﻌﺎﻣﺔ و‬.‫أو اﺟﺘﻤﺎﻋﻴﺔ أو دﻳﻨﻴﺔ‬
purposes. And using violence includes terrifying all or part of the public, ‫أو ﻓﻲ أي‬/‫ و‬،‫أو اﻟﺘﺴﺒﺐ ﻓﻲ اﺿﻄﺮاب‬/‫ و‬،‫ أو اﻟﺘﺄﺛﻴﺮ ﻋﻠﻰ‬،‫ﻓﻲ ﺣﺎﻟﺔ ﺧﻮف‬
or influencing, and/or resulting in strike, and/or interfering in any ‫أو أﻧﺸﻄﺔ أو ﺳﻴﺎﺳﺎت ﺧﺎﺻﺔ ﺑﺎﻟﺤﻜﻮﻣﺔ أو اﻟﺘﺴﺒﺐ ﻓﻲ اﺿﻄﺮاب‬/‫ﻋﻤﻠﻴﺎت و‬
operation and/or government related activity or policy, or resulting in a .‫ﻳ ﺆﺛ ﺮ ﺳﻠﺒﺎ ً ﻋﻠ ﻰ ا ﻻ ﻗﺘ ﺼﺎ د اﻟ ﻮ ﻃﻨ ﻲ أو أ ي ﻣ ﻦ ﻗ ﻄﺎ ﻋﺎﺗ ﻪ‬
strike that negatively affects the national economy or any of its sectors.
 c. Strikes, riots or civil or labor disturbances. .‫)ج( اﻹﺿﺮاب أو اﻟﺸﻐﺐ أو اﻻﺿﻄﺮاﺑﺎت اﻟﻤﺪﻧﻴﺔ أو اﻟﻌﻤﺎﻟﻴﺔ‬

d. Resulting from or arising from or in which nuclear weapons, ionizing ‫)د( ﻣﺎ ﻳﻨﺘﺞ ﺑﺴﺒﺐ أو ﻳﻨﺸﺄ ﻋﻦ أو ﺗﻜﻮن ﺳﺎﻫﻤﺖ ﻓﻴﻪ اﻷﺳﻠﺤﺔ اﻟﻨﻮوﻳﺔ أو‬
radiation or radiation contamination have contributed to any fuel or ‫ا ﻹ ﺷ ﻌﺎ ﻋﺎ ت ا ﻷﻳ ﻮﻧﻴ ﺔ أو اﻟﺘﻠ ﻮ ث ﺑﺎ ﻹ ﺷ ﻌﺎ ع ﻣ ﻦ أ ي و ﻗ ﻮد أو أﻳ ﺔ ﻧ ﻔﺎﻳﺎ ت ﻧ ﻮوﻳ ﺔ‬
nuclear waste resulting from the combustion of nuclear fuel. For the ‫ و ﻷ ﻏ ﺮا ض ﻫ ﺬا ا ﻻ ﺳﺘﺜﻨ ﺎ ء ﻓ ﺈ ن ا ﻻ ﺣﺘ ﺮا ق ﻳ ﺸ ﻤ ﻞ‬،‫ﻧ ﺎ ﺗ ﺠ ﺔ ﻋ ﻦ ا ﺣﺘ ﺮا ق و ﻗ ﻮ د ﻧ ﻮ و ي‬
purposes of this exception, combustion involves any nuclear fission .‫أ ي ﻋ ﻤﻠﻴ ﺔ اﻧ ﺸ ﻄﺎ ر ﻧ ﻮو ي‬
process.
e. Any natural disaster such as hurricanes, earthquakes, floods and .‫ أو اﻟﺒﺮاﻛﻴﻦ‬،‫ أو اﻟﻔﻴﻀﺎﻧﺎت‬،‫ أو اﻟﺰﻻزل‬،‫)ھ( اﻟﻜﻮارث اﻟﻄﺒﻴﻌﻴﺔ ﻣﺜﻞ اﻷﻋﺎﺻﻴﺮ‬
volcanoes.
N.B. This Policy should be read carefully and if there is any doubt as to the ‫ ﻳ ﺠ ﺐ أ ن ﺗ ﻘ ﺮأ ﻫ ﺬ ه ا ﻟ ﻮ ﺛﻴ ﻘ ﺔ ﺑﺘ ﻤ ﻌ ﻦ وإ ذا ذا ﻛ ﺎ ن ﻫﻨ ﺎ ك أ ي ﻏ ﻤ ﻮ ض أ و ﻟﺒ ﺲ ﻓﻴ ﻤ ﺎ‬:‫ﻣ ﻼ ﺣ ﻈ ﺔ‬
cover or meaning of its contents, please consult the Company. . ‫ﻳﺘ ﻌﻠ ﻖ ﺑ ﻤ ﺠﺎ ل اﻟﺘ ﻐ ﻄﻴ ﺔ أو ﺗ ﻔ ﺴﻴ ﺮ أ ي ﻣ ﻌﻨ ﻰ ﺑ ﻬﺬه اﻟ ﻮﺛﻴ ﻘ ﺔ ﻳ ﺮ ﺟ ﻰ اﻟ ﺮ ﺟ ﻮ ع إﻟ ﻰ اﻟ ﺸ ﺮ ﻛ ﺔ‬

Allied Cooperative Insurance Group ‫اﻟ ﻤ ﺠ ﻤ ﻮ ﻋ ﺔ اﻟ ﻤﺘ ﺤﺪة ﻟﻠﺘﺄ ﻣﻴ ﻦ اﻟﺘ ﻌﺎوﻧ ﻲ‬