If you’re looking for a trustworthy and comprehensive car insurance provider in Saudi Arabia, chances are you’ve come across Tawuniya. As one of the Kingdom’s oldest and most respected insurance companies, Tawuniya is known for its wide policy options, customer service, and compliance with Saudi Central Bank (SAMA) regulations.
In this complete guide, we’ll walk you through everything you need to know about Tawuniya car insurance policy details, including:
✅ Policy types
✅ Coverage inclusions and exclusions
✅ Pricing and discount factors
✅ Claim process
✅ Add-ons and optional benefits
✅ FAQs answered
Let’s dive in.
🏢 What is Tawuniya?
Founded in 1986, Tawuniya (The Company for Cooperative Insurance) was the first insurance company licensed under Saudi law. It’s headquartered in Riyadh and publicly listed on Tadawul (Saudi Stock Exchange).
Tawuniya provides a broad range of insurance services, including:
- Car insurance
- Health insurance
- Travel and marine insurance
- Corporate and property insurance
Its strong market presence, digital claim systems, and reliability have made it a top choice for both individuals and companies.
🚘 Types of Tawuniya Car Insurance Policies
Tawuniya offers several policy types to meet varying needs and budgets. Whether you’re looking for legal minimum coverage or full protection, there’s an option for you.
🔹 1. Third-Party Liability (TPL)
This is the mandatory insurance required by law to drive in Saudi Arabia.
✅ What It Covers:
- Damage to third-party vehicles
- Injury or death to third parties
- Legal liabilities in an accident where you are at fault
❌ What It Doesn’t Cover:
- Your own vehicle damage
- Theft, fire, or natural disaster
- Injuries to the policyholder or passengers
📉 Estimated Price (2025):
SAR 750 to SAR 1,800, depending on car type, driver profile, and location.
🔹 2. Comprehensive Car Insurance
This is a full coverage policy that includes both third-party protection and damage to your own vehicle.
✅ What It Covers:
- Third-party liability
- Accidents and collisions
- Theft or vandalism
- Fire and explosion
- Weather-related damage (floods, sandstorms, etc.)
- Optional add-ons (see below)
❌ What It Doesn’t Cover:
- Racing or illegal use
- Unlicensed driver use
- Deliberate damage or fraud
- Mechanical failure not caused by accident
📉 Estimated Price (2025):
SAR 2,200 to SAR 6,500+, based on car value, driver age, and selected options.
🛡️ Tawuniya Optional Add-Ons (Riders)
Tawuniya offers several customizable add-ons to expand your coverage:
| Add-On | Availability | Recommended For |
|---|---|---|
| Roadside Assistance | ✅ Optional | All drivers |
| Replacement Car (rental) | ✅ Optional | Daily drivers |
| Off-road Vehicle Coverage | ✅ Optional | Desert/off-road travelers |
| Glass and Windshield Cover | ✅ Optional | Luxury or newer vehicles |
| Driver/Passenger Accident Cover | ✅ Optional | All vehicle owners |
| GCC Coverage | ✅ Optional | Travelers in Gulf countries |
These add-ons are priced separately and can affect your total premium.
📑 Tawuniya Policy Terms & Limits
Before purchasing a policy, it’s important to understand the limits and conditions.
📌 Standard Policy Terms:
- Duration: 12 months
- Renewal: Automatic or manual
- Excess/Deductible: SAR 500–2,000 (customizable)
- Maximum Liability: Up to SAR 10 million for third-party damages (regulated by SAMA)
- Usage: Personal, business, or fleet (must be declared)
🛑 Cancellation & Refund:
- Can be canceled due to car sale, export, or insurance duplication
- Refund is calculated on a pro-rata basis
- Early cancellation may include admin fees
👤 Eligibility & Documents Required
To apply for Tawuniya car insurance, you’ll need:
| Required Document | Who Needs It |
|---|---|
| National ID or Iqama | Saudi nationals & expats |
| Valid Driving License | All drivers |
| Istimara (Vehicle Registration) | Car owners |
| Contact Details | Email & Mobile Number |
| Najm Report (For claims) | In case of an accident |
Having a clean driving record and accurate information can help reduce your premium.
💻 How to Buy Tawuniya Car Insurance
You can purchase Tawuniya insurance both online and offline:
🌐 Online Options:
- Tawuniya.com.sa
- Aggregator sites like:
🏢 Offline Options:
- Through Tawuniya customer service centers
- Partnered insurance agents
Buying online is faster and often includes exclusive digital discounts.
🧾 How to File a Claim with Tawuniya
Tawuniya offers a digital claim system for fast and easy processing.
📍 Claim Process (Step-by-Step):
- Report the Accident
- Call Najm (920000560) or file an e-report
- Gather Documents
- Najm/police report
- Vehicle and license documents
- Photos of the damage
- Submit Online
- Log in to Tawuniya’s claim portal
- Upload the required files
- Get Claim Approval
- Receive SMS/email updates
- Get repair or compensation instructions
- Repair or Receive Payout
- Approved garages and workshops are listed on the portal
🕒 Claim time: 3–10 business days (depending on case complexity)
🚫 What’s NOT Covered (Common Exclusions)
Be aware of exclusions that may void your coverage:
- Driving without a license
- Using the car for undeclared business/racing
- Intentional damage or fraud
- Driving under the influence of alcohol/drugs
- Using an unapproved garage for repairs
- Damage due to war or nuclear risks
Always read the policy terms carefully to avoid unpleasant surprises.
💸 Tawuniya Discounts & Loyalty Offers
Tawuniya provides discounts and benefits for eligible customers:
| Discount Type | Value (Est.) | Who Gets It |
|---|---|---|
| No-Claims Discount | Up to 40% | Drivers with clean record |
| Online Purchase Discount | 5–10% | Website/app purchases |
| Renewal Loyalty Discount | Variable | Customers renewing policy |
| Multiple Car Discount | Variable | Families or business fleets |
| Young Driver Discount | Campaign-based | Occasionally available |
Pro tip: Always compare quotes using Tameeni or Wakeb to find hidden discounts.
⚖️ Comparison: Tawuniya vs Other Providers
Here’s how Tawuniya compares with other major insurers in KSA:
| Feature | Tawuniya | Al Rajhi | Walaa | MedGulf |
|---|---|---|---|---|
| Claim Process | ✅ Fast | ✅ Fast | ⚠️ Mixed | ✅ Good |
| Coverage Flexibility | ✅ High | ⚠️ Medium | ⚠️ Low | ✅ Medium |
| Add-ons Available | ✅ Many | ⚠️ Few | ⚠️ Few | ✅ Some |
| Price Competitiveness | ⚠️ Moderate | ✅ High | ✅ Budget | ✅ Moderate |
| Customer Satisfaction | ✅ High | ⚠️ Mixed | ⚠️ Mixed | ✅ Medium |
Tawuniya may be slightly more expensive but offers better long-term value through strong coverage and faster claims.
📱 Tawuniya App & Online Services
Tawuniya’s mobile app simplifies many services:
✅ Available On:
- iOS (App Store)
- Android (Google Play)
📲 Features:
- Get instant quotes
- Renew policies
- Track claims
- Upload documents
- Get contactless support
It’s a must-have for all Tawuniya policyholders.
❓ Frequently Asked Questions (FAQ)
👉 How long is a Tawuniya policy valid?
12 months, renewable.
👉 Can expats buy Tawuniya car insurance?
Yes, as long as they hold a valid Iqama and driving license.
👉 Can I cancel my policy early?
Yes, with a pro-rata refund minus admin fees if applicable.
👉 Does Tawuniya offer roadside assistance?
Yes, as an optional add-on.
👉 Is comprehensive coverage worth it?
Yes, especially for new or high-value vehicles.
👉 How do I download my Tawuniya insurance document?
You can log in to your account on the Tawuniya app or website and download it in PDF format.
🟢 Final Thoughts: Is Tawuniya Right for You?
Tawuniya is one of the most reputable car insurance providers in Saudi Arabia for a reason:
- ✅ Strong coverage
- ✅ Trusted brand
- ✅ Smooth claims process
- ✅ Helpful customer support
If you’re looking for detailed policy options, custom add-ons, and a fully digital experience, Tawuniya is worth considering — even if the price is slightly higher than budget insurers.
🔚 Call to Action
✅ Compare Tawuniya prices now on Tameeni.com
✅ Or get a direct quote from Tawuniya.com.sa
✅ Download the Tawuniya mobile app to manage your car insurance easily!