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: 20%
- 3 years: 30%
- 4 years: 40%
- 5 years: 50%
No-Claim Discount Rates (Comprehensive Insurance):
- 1 year: 15%
- 2 years: 25%
- 3 years: 35%
- 4 years: 50%
- 5 years: 60%