What’s the difference between a personal car and a commercial vehicle?

Published June 3rd, 2026 by Majed Abdulaal

A personal car is your private vehicle and cannot be used for commercial purposes. A commercial vehicle is used for purposes such as taxis, Uber, freight trucks, buses, etc. Insurance companies care about this distinction as it impacts your premium and the type of coverage you are eligible for.

What should I do if I get into an accident, how do I file a claim?

Published June 3rd, 2026 by Majed Abdulaal

First, check if everyone involved is safe and call an ambulance if needed. Second, unless your car is blocking traffic, do not move it. Call Najm to inspect the scene and file a report. Third, log in to your Shory account and click on “Submit a Claim”. You’ll be asked to upload documents such as: Najm report Saudi National ID Vehicle registration Yo

What should I do if Shory AI doesn't understand my question or provides an incorrect response?

Published June 3rd, 2026 by Majed Abdulaal

If Shory AI is unable to understand your question or provides an incorrect response, you can try rephrasing your query or providing more specific information. If the issue persists, you can reach out to our customer ambassadors for further assistance.

How can I access Shory AI?

Published June 3rd, 2026 by Majed Abdulaal

You can access the chatbot within our mobile app by tapping on the Shory AI icon.

How can I get in touch with Shory?

Published June 3rd, 2026 by Majed Abdulaal

If you are facing any urgency, for example regarding a claim, pending quote or any other issue, we are here for you, just message us on our live chat or call us at 800 SHORY (74679). Our Shory Ambassadors are here to help from Monday to Sunday, 9 am to 9 pm! If you want to reach us outside of our working hours, then simply send us an email on suppor

How can I contact Shory if I need help?

Published June 3rd, 2026 by Majed Abdulaal

If you are facing any urgency, for example regarding a claim, pending quote or any other issue, we are here for you, just message us on our live chat or call us at 800 SHORY (74679). Our Shory Ambassadors are here to help from Monday to Sunday, 9 am to 9 pm! If you want to reach us outside of our working hours, then simply send us an email on suppor

Is my information safe with Shory?

Published June 3rd, 2026 by Majed Abdulaal

Shory is a super safe platform. We have the highest security standards when it comes to handling your personal data, payment details, and any other information you might share. Your privacy and experience with Shory is our top priority.

When will I receive my car insurance policy?

Published June 3rd, 2026 by Majed Abdulaal

Your car insurance policy is issued instantly after completing the payment!  with no calls from agents or approvals from insurance companies required. Afterward, the insurance company will link the policy to the Traffic Management System. Once the link is completed, your policy becomes active, and you’ll be able to download it from the purchase conf

What is car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Car insurance acts as a safety net that covers expenses related to damage or injuries resulting from a car accident, helping ensure your financial protection in the event of an incident.

When I need help, how can I contact shory?

Published June 3rd, 2026 by Majed Abdulaal

Shory is always here to help you. you can reach out through our emailSupport@shory.saor phone number 8001274679. for more information please check out our support page onshory.sa

How will Shory use my mobile number and email address?

Published June 3rd, 2026 by Majed Abdulaal

We’ll only contact you when necessary, such as: When issuing or renewing your policy During the claims process, if needed Shory does not share your personal information or send you promotional materials unless you’ve given explicit permission.

Should I choose Third-Party or Comprehensive Insurance?

Published June 3rd, 2026 by Majed Abdulaal

We recommend choosing Comprehensive Insurance for broader protection.

Does Shory provide Takaful Insurance?

Published June 3rd, 2026 by Majed Abdulaal

Shory works with a number of insurance companies, some of which are Takaful specialists who can place your policy in compliance with Shariah principles.

How much does comprehensive car insurance cost?

Published June 3rd, 2026 by Majed Abdulaal

The cost varies depending on factors such as your vehicle type, driving record, and coverage level. To learn more, visit our comprehensive insurance quotes page to get personalized offers.

Can Shory AI help me to get an estimated price for my insurance?

Published June 3rd, 2026 by Majed Abdulaal

The Shory AI tool is designed to provide information about Shory products and services. To gain quotations, simply follow our straightforward process on your device to receive an accurate quotation based on your specific requirements.

My son or daughter will be driving my car. Will they be covered by my insurance policy?

Published June 3rd, 2026 by Majed Abdulaal

If you have Third Party Liability (TPL) insurance, your car will be covered regardless of who’s driving it. However, if you have Comprehensive insurance, you might be asked to pay an additional deductible, which will be a percentage of the amount of compensation payable if the Motor Vehicle Driver is below the age of 25 years. We recommend you check

Is my information safe with Shory?

Published June 3rd, 2026 by Majed Abdulaal

Your privacy and experience with Shory is our top priority. Therefore, the Shory platform is extremely secure, as it adheres to the highest security standards when handling your personal data, payments, and all the information you share with us.

What is a Local Purchase Order (LPO)?

Published June 3rd, 2026 by Majed Abdulaal

An LPO is a legal document, similar to a sales invoice, that confirms an agreement to purchase a vehicle. It includes key details such as the sale price, fees, discounts, and any down payments. Banks and insurance companies require this document to determine the loan amount, confirm your purchase commitment, and evaluate your vehicle.

How does Shory ensure the best prices for third-party car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Shory allows you to compare quotes from top providers, ensuring high-quality coverage at competitive prices.

Does Shory offer Takaful insurance?

Published June 3rd, 2026 by Majed Abdulaal

Yes, Shory works with several insurance providers, some of which specialize in Takaful. You can get a policy that complies with Islamic principles.

How long are my insurance prices valid?

Published June 3rd, 2026 by Majed Abdulaal

In general, your prices are valid until the same day of the intended policy start date, with a maximum of 7 days. When you log in to your profile on the app or website, you’ll clearly see how much time remains to make your decision. We’ll also send you reminders via email or SMS,  and you can turn these notifications off anytime from your account se

Will Shory customer service support be replaced by Shory AI?

Published June 3rd, 2026 by Majed Abdulaal

No. We understand that our customers may prefer human interaction and therefore our Shory Ambassadors are always there to answer any questions you may have. Our team is available to assist you on Mon-Sun from 09:00 AM To 09:00 PM

Will I get a rental car while waiting for my claim to be processed?

Published June 3rd, 2026 by Majed Abdulaal

This depends on your insurance company and policy benefits. Make sure to review this with the Shory team before purchasing your policy.

Do I need a driving license to buy from Shory?

Published June 3rd, 2026 by Majed Abdulaal

Yes, you need to have a valid UAE driving license to buy any policy from our panel of insurance companies on Shory.com

Will my policy automatically renew?

Published June 3rd, 2026 by Majed Abdulaal

Nope. We’ll always tell you if your policy is expiring soon. So the decision is always in your hands.If you choose to renew, just click the Renew button in your account by your previously purchased policies.

After I buy my policy from Shory, do I need to contact the insurance company to issue it?

Published June 3rd, 2026 by Majed Abdulaal

Thanks to Shory being 100% online you will not need to contact any insurance agency. We do everything for you. Fantastic right?

Can I customize my comprehensive insurance policy?

Published June 3rd, 2026 by Majed Abdulaal

Yes. Shory offers options to customize your policy with add-ons so you can build a plan that fits your needs.

When do I get my car insurance policy?

Published June 3rd, 2026 by Majed Abdulaal

Your car insurance policy is instantly issued after the payment is processed!We do this without any annoying calls from insurance agents nor approvals from our panel of insurance companies in the UAE. Once done, your chosen insurance company will link your vehicle details up to the traffic department system, and once linked, your policy becomes acti

Can I upgrade third-party insurance to comprehensive insurance?

Published June 3rd, 2026 by Majed Abdulaal

Yes, you can upgrade at any time to get more comprehensive protection.

What if I need to make changes to my car insurance policy?

Published June 3rd, 2026 by Majed Abdulaal

You’ll be able to make changes directly on our app and website soon. In the meantime, you can contact us via chat or phone to get those changes done.

What is the minimum legal coverage required for third-party insurance?

Published June 3rd, 2026 by Majed Abdulaal

The minimum required coverage is set by the Saudi Central Bank and ensures civil liability toward third parties, fixed coverage limits as defined in the policy terms, and no insurer or policyholder can reduce these legal limits. For more info, [click here].

What is an orange card?

Published June 3rd, 2026 by Majed Abdulaal

An orange card offers Third-party Insurance coverage for travel to GCC countries and can be obtained through Shory for any insurance company we partner with.

Does Shory provide instant third-party insurance policies?

Published June 3rd, 2026 by Majed Abdulaal

Yes, Shory offers instant insurance policy issuance, allowing you to get coverage quickly and hassle-free.

Who are the trusted Insurance Companies provided by Shory?

Published June 3rd, 2026 by Majed Abdulaal

We work with some of the biggest and most trusted car insurance companies in the UAE such as: Salama Islamic Arab Insurance Company, Dubai Insurance Company, Abu Dhabi National Takaful Company , Sukoon Insurance, Al Fujairah National Insurance Company, Qatar Insurance, and Insurance House amongst others.

Who are Shory?

Published June 3rd, 2026 by Majed Abdulaal

Shory is the only fully digital car insurance provider in the UAE. Offering exclusive prices, with flexible payment options from Top trusted insurers, and all 100% online at any time. You can compare and buy your car insurance and the policy will then be issued instantly. No need to call us, fill out long paper forms, or upload documents. Shory offe

How can I upgrade from third-party to comprehensive insurance?

Published June 3rd, 2026 by Majed Abdulaal

Upgrading is easy. Contact Shory and we’ll help you switch to a comprehensive plan.

How can I submit a claim through Shory?

Published June 3rd, 2026 by Majed Abdulaal

To submit a claim on the Shory platform, log in to your account, click on “Submit a Claim,” and follow the instructions to provide the necessary accident details for successful claim submission.

Is the quote I got accurate?

Published June 3rd, 2026 by Majed Abdulaal

Yes! The policy price is exactly as stated. No hidden fees. The quotes you get from Shory are based on real data about you and your car, obtained directly from government services. With just your EID, we can access your data and save you the hassle of filling out long forms, or receiving multiple insurance agent calls to get your information.

What does third-party car insurance cover?

Published June 3rd, 2026 by Majed Abdulaal

It covers: Damage to others’ property Injuries to third parties Legal liabilities if you're at fault in an accident It does not cover damage to your own vehicle.

What is a Local purchase order (LPO)?

Published June 3rd, 2026 by Majed Abdulaal

A Local purchase order is a legal document, similar to a bill of sale, that confirms the agreement to purchase a car. It includes essential details such as the selling price, fees, rebates, and any down payment. This document is required by your bank and insurer to determine the loan amount and verify your commitment to the purchase and provide a va

What happens if I cancel my insurance policy early?

Published June 3rd, 2026 by Majed Abdulaal

In general, for most of Shory’s insurance companies, Is there a cancelation fee? Is there a ‘cooling off’ period where no cancelation fee? Does the user get refunded for the months they didn’t use? Do they get a refund if they made a claim? Every insurance company will have different cancelation penalties, so do read your policy terms carefully!

How can I reduce my comprehensive insurance installments?

Published June 3rd, 2026 by Majed Abdulaal

You can lower your installments by maintaining a clean driving record, qualifying for higher discounts, and bundling policies through Shory.

Does third-party insurance cover damage to my own car?

Published June 3rd, 2026 by Majed Abdulaal

No, it only covers damage or injury caused to others.

What factors influence the cost of comprehensive car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Costs depend on factors such as the make and model of the car, the driver’s profile and history, and claims record, level of coverage.

What is a Mortgage certificate or Hire Purchase Certificate?

Published June 3rd, 2026 by Majed Abdulaal

A Mortgage certificate/ Hire Purchase Certificate serves as evidence of ownership during the repayment period when a vehicle is financed through a bank. This document contains essential information such as the buyer’s or insured party’s name, the bank’s name, and the policy number.

Can I file a third-party car insurance claim 24/7 with Shory?

Published June 3rd, 2026 by Majed Abdulaal

Yes, Shory offers 24/7 claim support.

Why is comprehensive insurance more expensive than third-party insurance?

Published June 3rd, 2026 by Majed Abdulaal

Because it offers wider protection — it covers damage to your own vehicle and liability to third parties, whereas third-party covers only the latter.

How long does it take to link my insurance with the traffic system?

Published June 3rd, 2026 by Majed Abdulaal

The linking process is fully automated and typically takes between 15 minutes to 1 hour in most cases.

Is comprehensive car insurance mandatory?

Published June 3rd, 2026 by Majed Abdulaal

No, it is not mandatory. However, it is highly recommended for those who want full protection for their vehicles.

Can I get multiple insurance prices?

Published June 3rd, 2026 by Majed Abdulaal

Yes! Shory’s platform displays a variety of prices from different insurance providers based on your car details, previous claims, and desired coverage. You can compare them side by side and choose the policy that best suits your needs.

How do I cancel my insurance policy?

Published June 3rd, 2026 by Majed Abdulaal

Simply login to your Shory profile either on our App or website to cancel your policy if required. You can even contact us via chat or phone to cancel it if needed.

What is the Shory AI tool?

Published June 3rd, 2026 by Majed Abdulaal

Shory AI is a chatbot tool powered by ChatGPT, an artificial intelligence chatbot developed by OpenAI. Shory AI allows you to have interactive conversations and obtain relevant information on Shory services.

What are the key benefits of third-party car insurance?

Published June 3rd, 2026 by Majed Abdulaal

The main benefits are legal protection, peace of mind, and affordable third-party liability coverage, ensuring you comply with KSA law.

Can you do the payment on my behalf?

Published June 3rd, 2026 by Majed Abdulaal

Our Shory Ambassadors are happy to help you get quotes, but when it comes to the purchase process and payments, it must be made by you, for the very simple reason of protecting your data and payment details.

I don’t have a T.C. number. Can I still buy from Shory?

Published June 3rd, 2026 by Majed Abdulaal

Unfortunately, you can’t buy car insurance without a T.C. number. You get a T.C. number if you’re a UAE national or resident with a UAE driving license. Please note that even with a T.C. number, your driving license must be valid in order to buy car insurance.

How much does car insurance cost?

Published June 3rd, 2026 by Majed Abdulaal

Car insurance costs vary based on several factors, such as the type of plan selected and coverage options. For example, basic third-party insurance plans are usually more affordable, while comprehensive insurance may cost more depending on your vehicle and any additional coverages chosen.

What happens after I file a claim with Shory?

Published June 3rd, 2026 by Majed Abdulaal

Our Shory Ambassadors will be directly notified, if any document is missing, they will get in touch with you. If all documents are correct and nothing is missing, our team will send the claim to the Insurance Company. who will then acknowledge the receiving of the claim and provide a reference number for it. This reference number will allow you and

My vehicle registration has expired. Can I still purchase car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Yes, you can. A valid car insurance policy is required to renew your vehicle registration.

How do you buy car insurance online?

Published June 3rd, 2026 by Majed Abdulaal

To buy car insurance online, simply visit our website or download our app, enter the required details, choose your preferred coverage, complete secure online payment, and receive your policy instantly in digital form.

What is comprehensive car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Comprehensive car insurance offers broad protection. It covers damage to your vehicle in addition to your liability to third parties in case of accidents, theft, fire, and other unexpected events.

Can I get third-party car insurance for a rental vehicle?

Published June 3rd, 2026 by Majed Abdulaal

Yes, third-party coverage can be arranged for rental cars.

What is Takaful insurance?

Published June 3rd, 2026 by Majed Abdulaal

Takaful insurance is a type of Islamic insurance that operates in compliance with Shariah principles. It is based on the concept of mutual cooperation and shared responsibility, where participants pool their resources to provide protection against risks and uncertainties.

Benefits of comprehensive insurance:

Published June 3rd, 2026 by Majed Abdulaal

You can claim for accidents that are your fault. If your car is stolen, your insurance pays to replace it. If your car is damaged but you can’t prove whose fault it is, your insurance will still cover the damage. For example, in hit-and-run accidents. It gives you peace of mind.

How do I choose the right excess amount?

Published June 3rd, 2026 by Majed Abdulaal

Choose a high excess if you want to lower your insurance premium, and if you can afford to pay it. That last part is important: If you don’t have enough savings, it's better to not get a high deductible. Choose a low excess if you can’t pay a high one, or if you want to protect your personal costs. This could be a good idea if you live in a crowded

How can I get car insurance with Shory?

Published June 3rd, 2026 by Majed Abdulaal

To get insured, simply fill in the required details to receive the best car insurance plans from various providers, suited to your specific needs.

What should I do if the other driver doesn’t have third-party car insurance?

Published June 3rd, 2026 by Majed Abdulaal

If the other driver is uninsured, Shory’s team can assist you with the claims process and help explore your available options.

What is Takaful Insurance?

Published June 3rd, 2026 by Majed Abdulaal

Takaful is a form of Islamic insurance based on Sharia principles. It is built on mutual cooperation, where participants contribute to a fund that provides protection against specified risks.

Can I add optional coverage like roadside assistance or personal accident to a comprehensive plan from Shory?

Published June 3rd, 2026 by Majed Abdulaal

Absolutely! Shory offers optional add-ons like roadside assistance and personal accident cover to enhance your policy.

How can I make a payment?

Published June 3rd, 2026 by Majed Abdulaal

Currently, we accept credit/debit cards, Apple Pay, or you can choose to pay in 4 interest-free payments thanks to our collaboration with Tabby!

How can I file a claim for third-party car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Just contact Shory’s support team at 8001274679, and we’ll guide you through a fast and easy claim process.

My car registration has expired. Can I still buy car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Yes, you can. As a matter of fact, you need a valid car insurance policy to renew your car registration.

How can I check my car insurance status on the platform?

Published June 3rd, 2026 by Majed Abdulaal

Shory makes it easy to access essential information anytime, from anywhere. You can monitor your car insurance status and insurance details by simply logging into your Shory account.

Do I need a valid driver's license to purchase insurance through Shory?

Published June 3rd, 2026 by Majed Abdulaal

Yes, you must have a valid Saudi driver's license to purchase any car insurance policy through shory.sa.

Does comprehensive car insurance cover personal injuries?

Published June 3rd, 2026 by Majed Abdulaal

Yes, most comprehensive policies include personal injury coverage, though specifics vary. Check your policy details via Shory.

What are the required documents to apply for a Mortgage certificate through Shory?

Published June 3rd, 2026 by Majed Abdulaal

In order for us to provide you with a Mortgage certificate to share with your financing bank, we require proof of the car purchase in the form of a local purchase order (LPO).

My son or daughter will be driving my car, are they covered under my insurance?

Published June 3rd, 2026 by Majed Abdulaal

Coverage varies by company and policy type. For Third-Party Insurance, many companies cover the car regardless of who is driving. For Comprehensive Insurance, some companies may require an additional deductible if the driver is under 25 years old. Always review your policy to confirm.

How do I submit a claim under comprehensive car insurance via Shory?

Published June 3rd, 2026 by Majed Abdulaal

Submitting a claim is simple: Call Shory’s 24/7 support at 8001274679, and our team will guide you through a quick claims process. You may also log in to your account and initiate the claim yourself.

What are the types of car insurance?

Published June 3rd, 2026 by Majed Abdulaal

There are two main types of car insurance offered by providers: Comprehensive Insurance: Covers damage to your car and property, as well as the other party’s vehicle and property, even if you are at fault. Third-Party Insurance: Covers only the damage caused to the other party’s vehicle or property. Your own vehicle is not covered.

What is the No-Claim Discount (NCD) and how do I get it?

Published June 3rd, 2026 by Majed Abdulaal

All insurance companies are required to offer discounts on car insurance policies to individuals with a clean record — no claims or accidents — as encouraged by the Saudi Central Bank and regulatory authorities. This initiative rewards responsible drivers and promotes safe driving. No-Claim Discount Rates (Third-Party Insurance): 1 year: 10% 2 years

What does comprehensive insurance not cover?

Published June 3rd, 2026 by Majed Abdulaal

Typically, it does not cover the general wear and tear, mechanical failures, and damages arising from illegal activities.

What you (don't) get with Third Party insurance:

Published June 3rd, 2026 by Majed Abdulaal

It is, by law, the minimum insurance you need to drive a car. It only protects “third parties”, that is, it only covers damage to others. It doesn’t cover damage to your car, nor theft of your car.

My National ID or Iqama has expired, can I still purchase insurance?

Published June 3rd, 2026 by Majed Abdulaal

No, you cannot purchase or renew car insurance with an expired National ID or Iqama. You must renew your ID first, as having a valid ID is required to complete the insurance purchase successfully.

Does Shory have a license to sell insurance?

Published June 3rd, 2026 by Majed Abdulaal

Shory is a licensed digital insurance provider authorized by the United Arab Emirates Central Bank. Our company registration number is (CN-4315710) and our license number is (287).

What makes Shory different from other insurance platforms?

Published June 3rd, 2026 by Majed Abdulaal

Shory stands out with its seamless online experience, lightning-fast processing (under 90 seconds), competitive pricing, and unmatched customer service; making buying insurance easier than ever.

What is coverage?

Published June 3rd, 2026 by Majed Abdulaal

Coverage refers to the insurance amount you purchase to protect yourself from paying for damages in the event of an accident. In exchange for coverage, you pay a premium to the insurance company. Your coverage amount depends on your vehicle’s assessed value and other factors, which may influence your insurance cost.

Does third-party car insurance cover personal injuries?

Published June 3rd, 2026 by Majed Abdulaal

No, it typically only covers injuries to third parties. To cover personal injuries, you’ll need to add optional personal accident coverage.

What is Third-Party Car Insurance, and why is it required?

Published June 3rd, 2026 by Majed Abdulaal

Third-party car insurance covers any damage or injury you cause to others in an accident. It is mandatory to protect other drivers, pedestrians, and property in the event of an accident.

My ID card has expired. Can I still buy insurance?

Published June 3rd, 2026 by Majed Abdulaal

Yes, you can buy your car insurance from Shory! If you’re a UAE national or resident, you can always buy insurance, even with an expired ID. But you still need a valid driving license. If your driving license has expired, you must renew it before you can buy car insurance in the UAE.

What is a Vehicle Registration Card?

Published June 3rd, 2026 by Majed Abdulaal

This card is issued for all vehicles in Saudi Arabia. It contains essential information such as the vehicle owner’s name and ID, vehicle make and model, chassis and plate numbers, serial number, and registration type. It's required when issuing an insurance policy.

What’s the difference between a personal car and a commercial vehicle?

Published June 3rd, 2026 by Majed Abdulaal

A personal car is your private car, you can’t use it for commercial use. Commercial cars, however, are cars used as taxis, Uber, cargo trucks, buses, and more. Insurance companies care about this difference because it can affect the premium and coverage, you’re eligible for.

Is it worth getting comprehensive car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Yes, especially if you want full coverage for your vehicle — covering theft, fire, and accident damage.

What are the required documents to apply for an orange card? Should I contact the insurance company or can Shory help?

Published June 3rd, 2026 by Majed Abdulaal

Feel free to contact us at any time, but kindly ensure that you provide us with the updated Mulkiya containing the insurer’s name.

How long does it take to link my insurance to the traffic department system?

Published June 3rd, 2026 by Majed Abdulaal

This usually takes an average time between 15 minutes to 1 hour in most cases, because it’s a fully automated process. All thanks to our clever technology!

Does Shory issue immediate comprehensive insurance documents 24/7?

Published June 3rd, 2026 by Majed Abdulaal

Yes. Shory’s digital platform allows you to issue your insurance policy instantly, 24/7, without delay.

What if I was involved in an accident?

Published June 3rd, 2026 by Majed Abdulaal

What’s the vehicle license/vehicle registration card?

Published June 3rd, 2026 by Majed Abdulaal

Your vehicle license, or vehicle registration car is also known as a ‘Mulkiya’. This card is used throughout the UAE, and it contains your T.C. number and car chassis number. You need it for all the cars that you want to insure.

How will Shory use my mobile number and email?

Published June 3rd, 2026 by Majed Abdulaal

Shory will contact you on important occasions, such as when issuing your policy, when your policy is due for renewal, or if unfortunately, you need support with a claim, and nothing else. And we’ll only do so at the email or mobile number you provided. We respect your privacy, it’s one of our top values and priorities. For details on how we process

Is the price I received accurate?

Published June 3rd, 2026 by Majed Abdulaal

Yes! The quoted price is final with no hidden fees. Shory gathers accurate prices using official data sources via your Saudi National ID and the Nafath system, ensuring your personal and vehicle information is up to date.

What is Shory?

Published June 3rd, 2026 by Majed Abdulaal

Shory is an insurance aggregator centered in Saudi Arabia, who offers exclusive rates from top trusted insurance companies, all through a 100% digital process. It's a platform that eases comparison, purchases insurance, and issues your policy instantly; without the need for paper forms. Shory platform is available on mobile phones, tablets, and desk

How do I file a claim under comprehensive car insurance?

Published June 3rd, 2026 by Majed Abdulaal

To file a claim, call 8001274679 and our support team will assist you efficiently. Alternatively, you can log in to your Shory account and initiate the claim yourself.

What are the penalties for driving without car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Driving without valid insurance can result in fines,  vehicle impoundment, legal violations.

How can I change my mobile number and email address?

Published June 3rd, 2026 by Majed Abdulaal

Log in to the Shory app or website and go to Settings. You'll see the mobile number and email address you currently have on file. To change your mobile number, simply click on Edit, then enter your new number. We'll send a verification code to your new number. Enter the code in the app, and your number will be updated automatically. To change your e

Benefits of third party insurance:

Published June 3rd, 2026 by Majed Abdulaal

It’s cheaper than comprehensive insurance (because it covers less)

What happens if my car is declared a total loss?

Published June 3rd, 2026 by Majed Abdulaal

If your vehicle is declared a total loss, comprehensive insurance may cover its market value at the time of purchase, subject to the terms of your policy.

Are my payments secure?

Published June 3rd, 2026 by Majed Abdulaal

The security and confidentiality of your information is our top priority. Your payments are securely handled by a third party credit card processor, and we use industry-standard SSL (secure socket layer) technology to protect your information.

How long are my quotes valid for?

Published June 3rd, 2026 by Majed Abdulaal

In general, your quotes are valid until the same day of the policy effective date, usually up to a maximum of 7 days from the day you do your quote. In the Shory app or website, once you log in to your profile, you can clearly see how much time you have left to decide. To help remind you of expiring quotes, we’ll send you a little reminder to your e

What is not covered by third-party insurance?

Published June 3rd, 2026 by Majed Abdulaal

It does not cover the damage to your own car and any personal injury to you (the policyholder), It focuses solely on third-party liability.

How can I contact Shory customer support for help with third-party insurance?

Published June 3rd, 2026 by Majed Abdulaal

You can reach us via theHelp Centeron our website or app, using your preferred contact method.

What is coverage?

Published June 3rd, 2026 by Majed Abdulaal

Coverage is the amount of insurance that you bought. It protects you from paying for damages if there’s an accident. In exchange for coverage, you pay a premium to an insurance company. Your coverage depends on the estimated value of your car, as well as other factors. Your insurance premium (how much you pay) might change depending on your coverage

Can I buy car insurance and pay later?

Published June 3rd, 2026 by Majed Abdulaal

Absolutely! With Shory, you have the flexibility to choose installment payments when purchasing your car insurance policy.

What are the types of car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Insurance companies offer two types of policies: Comprehensive and Third Party. The major difference between them is how much protection they provide: Comprehensive car insurance pays for your car and property damage, and the other person’s car and property, even if you’re at fault. Third party car insurance only pays for damage you cause to someone

Do you offer Easy installments?

Published June 3rd, 2026 by Majed Abdulaal

Shory is a proud partner of Tabby! You can choose whichever car insurance policy suits your needs, when you finally reach the payment section, just tap on Tabby and you will be able to divide the amount into 4 interest-free payments!

What’s my customs card number?

Published June 3rd, 2026 by Majed Abdulaal

Your customs card is also known as the Vehicle Clearance Certificate (VCC). This is an import certificate issued by customs and traffic authorities. We only need it for brand-new cars that you want to insure. Your customs card number is printed on the front side of the vehicle custom card at the top.

Can I add optional coverage to third-party insurance?

Published June 3rd, 2026 by Majed Abdulaal

Yes, Shory offers optional add-ons such as: personal accident cover, roadside assistance; which help enhance your coverage.

Do I need to upload documents on Shory to buy a policy?

Published June 3rd, 2026 by Majed Abdulaal

Our platform is integrated with government services. This means that with just your Emirates ID number, we can automatically collect your data. Still, sometimes we may need additional verification if the government services can’t be accessed (this happens for technical reasons from time to time). In this case, we might ask you to take photos of your

How is the Installments for third-party car insurance calculated?

Published June 3rd, 2026 by Majed Abdulaal

Installments are calculated based on several factors, including: driving history, vehicle type, location, claims recordes.

How does comprehensive insurance differ from third-party insurance?

Published June 3rd, 2026 by Majed Abdulaal

Comprehensive insurance covers your car and third-party liability, while third-party insurance covers only damage or injuries you cause to others.

Is my privacy protected when using Shory?

Published June 3rd, 2026 by Majed Abdulaal

We never share customer data with third parties without necessity or your explicit consent. Shory uses high-level encryption to keep your data secure at all times.

Does comprehensive car insurance cover rental cars?

Published June 3rd, 2026 by Majed Abdulaal

Yes, many comprehensive plans offer coverage for rental vehicles. Contact us to confirm this in your policy.

Will I get a rented car while I wait for my claim?

Published June 3rd, 2026 by Majed Abdulaal

It all depends on each Insurance Company and their policy’s benefits, make sure to check the benefits section before you purchase your car insurance policy!

Does Shory have a license to sell insurance?

Published June 3rd, 2026 by Majed Abdulaal

Shory is a digital insurance aggregator company licensed by the Insurance Authority. Our license number is (و.س.ط/ش/ 202511/124).

How can I change my mobile number and email?

Published June 3rd, 2026 by Majed Abdulaal

If you log in to the Shory app or website and go to Settings, you’ll see the mobile number and email address that you’re currently registered with. To change your mobile number, simply click Edit and enter your new mobile number. We’ll send a verification code to your new number. Just type the code into the app, and we’ll automatically update your n

Does Shory offer flexible payment plans for comprehensive insurance?

Published June 3rd, 2026 by Majed Abdulaal

Yes. Shory provides flexible payment options so you can align comprehensive coverage with your budget.

What happens if I get into an accident and I only have third-party insurance?

Published June 3rd, 2026 by Majed Abdulaal

Your insurance will cover damage or injuries caused to others, but it will not cover damage to your own vehicle.

Should I buy third Party liability insurance or Comprehensive insurance?

Published June 3rd, 2026 by Majed Abdulaal

If you ask us, go with the highest protection that you can get. That’s comprehensive insurance. We work with a number of insurers including Takaful specialists to help you find suitable cover

Is third-party car insurance available for all types of vehicles?

Published June 3rd, 2026 by Majed Abdulaal

Yes, it is available for most types of vehicles, including cars, motorcycles, and more.

What does “GCC specifications” mean?

Published June 3rd, 2026 by Majed Abdulaal

It refers to the origin of the vehicle. GCC-spec vehicles are designed specifically for Gulf countries' hot and dusty climates, often with upgraded filters and air conditioning. Non-GCC vehicles are imported from outside the Gulf (like the US or Japan) and may have different specs — which can affect your insurance premium and coverage eligibility.

What is my Customs Card number?

Published June 3rd, 2026 by Majed Abdulaal

Also known as the Vehicle Clearance Certificate (VCC), this is an import document issued by customs and traffic authorities. It’s only required for newly imported vehicles. The number is printed on the front side of the customs card at the top.

What's my T.C. number?

Published June 3rd, 2026 by Majed Abdulaal

T.C. number stands for Traffic Code number. It’s also known as your Traffic File Number. You can find it on the back of your driving license card, and also on the front of your vehicle license card.

What is a No Claim Discount (NCD) and how do I get it?

Published June 3rd, 2026 by Majed Abdulaal

A No Claim Discount (NCD) is a form of reward that you (the policyholder) get from your insurance company for not making a claim on your policy during a full insurance year. This discount is mandated by the UAE Central Bank. This means that by law, you’re entitled to this discount when you do not make any claims. While the exact discount will depend

What does it mean when a car is “GCC spec”?

Published June 3rd, 2026 by Majed Abdulaal

This refers to where the car comes from. A GCC-spec car is designed for the hot and dusty climate of the Gulf Cooperation Council (GCC) region. It usually has special filters and better air conditioning. A non-GCC spec car (usually American and Japanese cars) is imported from outside the Gulf, and may have other modifications. Insurance companies wa

What is the cheapest type of car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Between the two main types — Third-Party and Comprehensive — Third-Party insurance is generally the more affordable option.

Is Shory an insurance company?

Published June 3rd, 2026 by Majed Abdulaal

Shory is a digital insurance aggregator that gathers information to provide you with the best prices from the most trusted insurance companies in Saudi Arabia. Try Shory and get your insurance immediately!

How can I contact Shory?

Published June 3rd, 2026 by Majed Abdulaal

You can email us at: Support@shory.sa If you need assistance with a claim, quote, or any other issue, we're here to help. Call us at 8001274679. Shory's working hours are Sunday to Thursday, from 8 AM to 10 PM.

What you get with comprehensive insurance:

Published June 3rd, 2026 by Majed Abdulaal

It protects you and your car, that means it covers damage to you and others.It can cover legal costs if somebody sues you. It also covers fire, theft, vandalism, windscreen repair, or replacement.

Is third-party car insurance mandatory?

Published June 3rd, 2026 by Majed Abdulaal

Yes, all drivers in Saudi Arabia are legally required to have at least third-party car insurance.

Does Shory offer flexible payment options for third-party car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Yes! Shory provides flexible payment plans to help you match your coverage to your budget.

Can I customize my car insurance policy with Shory to suit my personal needs?

Published June 3rd, 2026 by Majed Abdulaal

Yes, with Shory, you can choose the type of insurance (Comprehensive or Third-Party) along with optional add-ons to create a policy suited  to your needs.

Is Shory an insurance company?

Published June 3rd, 2026 by Majed Abdulaal

We understand it can be confusing, but Shory is an insurance provider. We gather information to offer you the best free quotes from the most trusted insurance companies in the UAE, all in one place. Try Shory and get your car insurance issued instantly!

Is my personal information secure while using Shory AI?

Published June 3rd, 2026 by Majed Abdulaal

We prioritize the security and privacy of your personal information. The chatbot is designed to provide assistance without storing any personally identifiable information. Please refer to our privacy policy for more details.

Is third-party car insurance sufficient for older vehicles?

Published June 3rd, 2026 by Majed Abdulaal

Yes, third-party insurance is often a practical and affordable option for older cars.

How is third-party insurance different from comprehensive car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Third-party  insurance  covers damage/injury to others only, while Comprehensive insurance covers third-party and your own vehicle.

Why is third-party insurance cheaper than comprehensive insurance?

Published June 3rd, 2026 by Majed Abdulaal

Because it provides limited coverage, only covering third-party liabilities and not your own vehicle.

What is my vehicle’s serial number?

Published June 3rd, 2026 by Majed Abdulaal

You can find it on your vehicle registration card.

What does comprehensive car insurance cover?

Published June 3rd, 2026 by Majed Abdulaal

It covers a wide range of risks, including: Damage to your vehicle caused by accidents Theft Fire Natural disasters Liability toward third parties

How accurate are Shory AI responses?

Published June 3rd, 2026 by Majed Abdulaal

Shory has provided the AI chatbot with relevant training data to support information about Shory's services, products, and partners. Please note, however, that it may not always be perfect and its responses are generated based on its learnings and training data. Shory does not take any liability for any damages or losses resulting from the use or in

Can I get multiple quotes?

Published June 3rd, 2026 by Majed Abdulaal

Shory allows you to easily generate multiple quote lists (groups of quotes) for different types of inputs, like car values, effective dates, and past claims. You can compare quotes from our panel of different insurance companies and choose the perfect policy for your car!

I don’t have the vehicle’s serial number, can I still purchase insurance through Shory?

Published June 3rd, 2026 by Majed Abdulaal

Unfortunately, you cannot purchase car insurance without the vehicle’s serial number. Even if you have the serial number, your driver's license must be valid to proceed with the purchase. To buy car insurance, insurance companies require the following: Your National ID (or Iqama) number Your date of birth Your mobile number Vehicle information — whe

What are the trusted insurance companies that Shory offers?

Published June 3rd, 2026 by Majed Abdulaal

We work with the largest and most trusted insurance companies in Saudi Arabia, such as: Tawuniya Malath MedGulf Salama Cooperative Insurance Company Orient Insurance Arabian Shield

What is an excess?

Published June 3rd, 2026 by Majed Abdulaal

An excess is the amount that you pay yourself before your insurance company covers the rest of the damages. It’s also known as a deductible. For example, choosing an excess of AED 500 means that if you file a claim for AED 5,000, your insurance company will pay you the amount over AED 500, in this situation, the remaining AED 4,500.

Why should you get comprehensive car insurance?

Published June 3rd, 2026 by Majed Abdulaal

Comprehensive coverage gives you peace of mind, as it protects your car and your liability to others. It’s ideal if you want full protection against a variety of risks, including theft, natural disasters, and accidents.

How can I file a claim?

Published June 3rd, 2026 by Majed Abdulaal

First, check if anyone involved is ok and if you need to call an ambulance if necessary! The second thing to do is very important, unless your car is blocking the traffic, do not move it from the spot of the accident. Call the police, they will come to examine the car and write a police report. This is where you can do everything on your own without

How can I get the best car insurance price online?

Published June 3rd, 2026 by Majed Abdulaal

To get the best car insurance price, simply provide the required information on our website or app. We’ll quickly find personalized prices from leading insurance companies so you can choose the most competitive offer.