Advance Payment Supporting Documents Letter

CONTRACTOR'S PLANT AND MACHINERY POLICY SCHEDULE
Policy No. : P-C01-23-40120-000819

Branch : Riyadh Corporate Office Insured Code : 3180053928
Renewal Date : 20/03/2024

Inception Date : 20/03/2023 Expiry Date : 19/03/2024
Insured Name : MOBCO
Insured Address : 12313, OLAYA, Riyadh, 12313
Basis of Valuation : New Replacement Value
Business Activity : Others
Cover : Contractor’s Plant & Machinery
Third Party Liability
Third Party Liability
Sum Insured : SAR 32,662,000.00 as per attached schedule.
Third Party Limit : SAR 1,000,000.00 combined single limit any one occurrence and in the aggregate for Bodily injury
and/or property damage
INSURED OBJECTS/BREAKDOWN : AS PER ATTACHED BORDEREAU

Exchange Rate to Saudi :1
Riyal
Cover Description : Unforeseen and sudden physical loss or damage from any cause not specifically excluded
necessitating repair or replacement
Conditions : 1. Laws & Jurisdiction Saud Arabian Laws & Courts
Kingdom of Saudi Arabia.
2. Geographical Ares Kingdom of Saudi Arabia
3. Total Sum Insured is on New Replacement Value
4. That without the use of Forte or Violence is not covered.
5. Above cover is extended to included to include transit Risk for Equipment while being mounted
on truck and / or towed from site to site
6. Include Third Party Liability at site only to a Maximum Combined Single Lint of SR 1.000.000 for
Bodily injury & Property Damage Any One Accident).
All other conditions as per the policy wording.
Warranties : 1. Warranted Machines/Equipment are securely died /fastened to trailers and not kept loose
2. Warranted Proper & Periodic Maintenance should be carried out on the equipment
3. Warranted that Machines / Equipment loaded/ stowed on the carrying vehicle with licensed
Signed on behalf of the company Branch:Riyadh Corporate Office Issue Date: 22-Mar-2023
Printed: 22/03/2023 10:59:43 AM Printed by: Hanady Rashad Alrefy Page 1 of 3

Policy No. : P-C01-23-40120-000819
carrying capacity and within dimensions of width or length permitted by local laws and traffic
height of the bridge /over pass/ under pass.
4. Warranted that Operation and Maintenance as per the Manufacturers Recommendations
5. Warranted that machine are always operated by persons duly licensed with Local Statutory
requirements and experienced in operation of such type of equipment
6. Warranted that the equipment shall not be left unattended at any time without proper precaution
being taken to prevent theft or any attempt thereat
Exclusions : 1. Political exclusion (Hanover Re).
2. Sabotage and Terrorism subject to Terrorism Exclusions Endorsement
3. Nuclear Energy Risks Exclusion Clause (Worldwide Excluding USA And CANADA) NMA 1975.
4. Total Asbestos Exclusion Clause
5. Sanction Limitation and Exclusion Clause LMA3100.
6. Transmission and Distribution Lines Exclusion Clause
7. Endorsement 532 Exclusion of Mechanical and Electrical Breakdown
8. Electronic Data Endorsement B NMA 2915. (Data Exclusion (Direct Damage).
9. Industries, Seepage, Pollution and Contamination Clause NMA 1685.
10. Excluding Wear and Tear.
11. Road Risks when driven under own power on Pubic Road/highways.
12. Claims which are covered under Manufacturer's warranty
13. Excluding Offshore Operation
14. W and Clive W exclusion clause.
All other Exclusions as per the policy wording.
Deductible : Contracts Plant & Equipment have a minimum deductible of 1% of the claim amount applied, subject
to a minimum of SR. 10,000/-
Section 2: Third Party Liability
Third Party Liability has a minimum deductible of SAR 5,000.00 for each and every loss
Rate : 1.5‰ (Per Mille)
Premium : SAR 48,993.00

Policy Fee : SAR 25.00
VAT : SAR 7,352.70
Total Premium : SAR 56,370.70
including VAT
Premium Payment : Instalment Number Percentage Instalment Amount Due Days

1 50% SAR 31,874.20 At inception
2 50% SAR 24,496.50 Within 31 days from inception
Note:1st Installment includes 100% VAT & Policy Fee

Policy No. : P-C01-23-40120-000819
Premium Payment : Notwithstanding any provision to the contrary within this contract or any endorsement hereto, in
Warranty respect of non payment of premium only the following clause will apply.
The Insured undertakes that premium will be paid in full to Insurers within 31 days of inception of
this contract (or, in respect of instalment premiums, when due).
If the premium due under this contract has not been so paid to Insurers by the 31th day from the
inception of this contract (and, in respect of instalment premiums, by the date they are due) Insurers
shall have the right to cancel this contract by notifying the Insured via the broker in writing. In the
event of cancellation, premium is due to Insurers on a pro rata basis for the period that Insurers are on
risk but the full contract premium shall be payable to Insurers in the event of a loss or occurrence prior
to the date of termination which gives rise to a valid claim under this contract.
It is agreed that Insurers shall give not less than 15 days prior notice of cancellation to the Insured via
the broker. If premium due is paid in full to Insurers before the notice period expires, notice of
cancellation shall automatically be revoked. If not, the contract shall automatically terminate at the
end of the notice period.
If any provision of this clause is found by any court or administrative body of competent jurisdiction
to be invalid or unenforceable, such invalidity or unenforceability will not affect the other provisions
of this clause which will remain in full force and effect.
30/09/08
LSW3001
VAT Clause
By purchasing this policy/coverage, The Policyholder (or his authorized person on behalf of the Policyholder), accept and agree to
pay “in addition to the premiums and other charges”, any applicable taxes, levies, or duties at the applicable rate on this Policy, in
compliance with the local laws and regulations applicable in the Kingdom of Saudi Arabia, including but not limited to Value Added
Tax (VAT), which will be due on this Policy, within a maximum period of Twenty days from the date of “the request to pay” by
Walaa Cooperative Insurance Company.
A copy of your VAT Registration Certificate is required, if applicable.
Note: Walaa Cooperative Insurance Company VAT registration number: 300470754600003

SCHEDULE OF MEMORANDA ATTACHING TO AND FORMING PART OF Contractor’s Plant & Machinery
POLICY NO. P-C01-23-40120-000819 AND DECLARED TO FORM AN INTEGRAL PART THEREOF AS IF
WRITTEN OR PRINTED THEREON
INSURED : MOBCO
Conditions:
Laws & Jurisdiction Saud Arabian Laws & Courts
Geographical Ares Kingdom of Saudi Arabia

Total Sum Insured is on New Replacement Value

It is understood and agreed that otherwise subject to the terms, exclusion, provision and conditions contained in the policy or endorsed
thereon, where an insured item totally destroyed or damaged, the basis upon which the amount payable under the policy is to be
calculated shall be the full replacement value of the item destroyed or damage.
“Replacement Value” shall mean the cost, which would have to be incurred immediately before destruction of or damage to an
insured item for replacing the destroyed or damaged item by a new item of similar kind, capacity, size and quality.
That without the use of Forte or Violence is not covered.

That without the use of Forte or Violence is not covered.
Above cover is extended to included to include transit Risk for Equipment while being mounted on truck and / or towed from
site to site
Above cover is extended to included to include transit Risk for Equipment while being mounted on truck and / or towed from site to
site.
Include Third Party Liability at site only to a Maximum Combined Single Lint of SR 1.000.000 for Bodily injury & Property
Damage Any One Accident).
Include Third Party Liability at site only to a Maximum Combined Single Lint of SR 1.000.000 for Bodily injury & Property Damage
Any One Accident).
Exclusions:
Political exclusion (Hanover Re).
Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance
excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any
of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss:
(1) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion,
revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or
(2) any act of terrorism.
For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or

Policy No. : P-C01-23-40120-000819
the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s)
or government(s), committed for political, religious, ideological, or ethnic purposes or reasons including the intention to influence any
government and/or to put the public, or any section of the public in fear.
This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or
in connection with any action taken in controlling, preventing, suppressing or in any way relating to (1) and/or (2) above.
If the Insurer allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of
proving the contrary shall be upon the Insured.
Sabotage and Terrorism subject to Terrorism Exclusions Endorsement

Sabotage and Terrorism subject to Terrorism Exclusions Endorsement
Nuclear Energy Risks Exclusion Clause (Worldwide Excluding USA And CANADA) NMA 1975.
`(WORLDWIDE EXCLUDING U.S.A. & CANADA)
This agreement shall exclude Nuclear Energy Risks whether such risks are written directly and/or by way of Insurance and/or via
Pools and/or Associations.
For all purposes of this agreement Nuclear Energy Risks shall mean all first party and/or third party insurances or Insurance (other
than Workers’ Compensation and Employers’ Liability) in respect of:-
(I) All Property on the site of a nuclear power station.

Nuclear Reactors, reactor buildings and plant and equipment therein on any site other than a nuclear power station.
(II) All Property, on any site (including but not limited to the sites referred to in (I) above) used or having been used for:-
(a) The generation of nuclear energy; or
(b) The Production, Use or Storage of Nuclear Material.
(III) Any other Property eligible for insurance by the relevant local Nuclear Insurance Pool and/or Association but only to the extent
of the requirements of the local Pool and/or Association.
(IV) The supply of goods and services to any of the sites, described in (I) to (III) above, unless such insurances or reinsurances shall
exclude the perils of irradiation and contamination by Nuclear Material.
Except as undernoted, Nuclear Energy Risks shall not include:-
(i) Any insurance or reinsurance in respect of the construction or erection or installation or replacement or repair or maintenance or
decommissioning of Property as described in (I) to (III) above (including contractors’ plant and equipment);
(ii) Any Machinery Breakdown or other Engineering insurance or reinsurance not coming within the scope of (i) above;
Provided always that such insurance or reinsurance shall exclude the perils of irradiation and contamination by Nuclear Material.

Policy No. : P-C01-23-40120-000819
However, the above exemption shall not extend to:-
(1) The provision of any insurance or reinsurance whatsoever in respect of:-
(a) Nuclear Material;
(b) Any Property in the High Radioactivity Zone or Area of any Nuclear Installation as from the introduction of Nuclear Material or
- for reactor installations - as from fuel loading or first criticality where so agreed with the relevant local Nuclear Insurance Pool
and/or Association.
(2) The provision of any insurance or reinsurance for the undernoted perils:-
- Fire, lightning, explosion;
- Earthquake;
- Aircraft and other aerial devices or articles dropped therefrom;
- Irradiation and radioactive contamination;
- Any other peril insured by the relevant local Nuclear Insurance Pool and/or Association;
in respect of any other Property not specified in (1) above which directly involves the Production, Use or Storage of Nuclear
Material as from the introduction of Nuclear Material into such Property.
Definitions
“Nuclear Material” means:-
(i) Nuclear fuel, other than natural uranium and depleted uranium, capable of producing energy by a self-sustaining chain process of
nuclear fission outside a Nuclear Reactor, either alone or in combination with some other material; and
(ii) Radioactive Products or Waste.
“Radioactive Products or Waste” means any radioactive material produced in, or any material made radioactive by exposure to the
radiation incidental to the production or utilisation of nuclear fuel, but does not include radioisotopes which have reached the final
stage of fabrication so as to be usable for any scientific, medical, agricultural, commercial or industrial purpose.
“Nuclear Installation” means:-
(i) Any Nuclear Reactor;
(ii) Any factory using nuclear fuel for the production of Nuclear Material, or any factory for the processing of Nuclear Material,
including any factory for the reprocessing of irradiated nuclear fuel; and

Policy No. : P-C01-23-40120-000819
(iii) Any facility where Nuclear Material is stored, other than storage incidental to the carriage of such material.
“Nuclear Reactor” means any structure containing nuclear fuel in such an arrangement that a self-sustaining chain process of nuclear
fission can occur therein without an additional source of neutrons.
Production, Use or Storage of Nuclear Material” means the production, manufacture, enrichment, conditioning, processing,
reprocessing, use, storage, handling and disposal of Nuclear Material.
“Property” shall mean all land, buildings, structures, plant, equipment, vehicles, contents (including but not limited to liquids and
gases) and all materials of whatever description whether fixed or not.
“High Radioactivity Zone or Area” means:-
(i) For nuclear power stations and Nuclear Reactors, the vessel or structure which immediately contains the core (including its
supports and shrouding) and all the contents thereof, the fuel elements, the control rods and the irradiated fuel store; and
(ii) For non-reactor Nuclear Installations, any area where the level of radioactivity requires the provision of a biological shield.
NMA 1975(a)
Total Asbestos Exclusion Clause

Asbestos Exclusion Clause
Sanction Limitation and Exclusion Clause LMA3100.

No insurer shall be deemed to provide cover and no insurer shall be liable to pay any claim or provide any benefit hereunder to the
extent that the provision of such cover, payment of such claim or provision of such benefit would expose that insurer to any sanction,
prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European
Union, United Kingdom or United States of America.
Transmission and Distribution Lines Exclusion Clause

Transmission and Distribution Lines Exclusion Clause
Endorsement 532 Exclusion of Mechanical and Electrical Breakdown

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or
endorsed thereon, the Company shall not indemnify the Insured in respect of any loss or damage arising from mechanical or electrical
breakdown of the insured items.
Electronic Data Endorsement B NMA 2915. (Data Exclusion (Direct Damage).

1. Electronic Data Exclusion Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is
understood and agreed as follows:
(a) This Policy does not insure loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA from
any cause whatsoever (including but not limited to COMPUTER VIRUS) or loss of use, reduction in functionality, cost, expense of
whatsoever nature resulting therefrom, regardless of any other cause or event contributing concurrently or in any other sequence to the
loss.

Policy No. : P-C01-23-40120-000819
ELECTRONIC DATA means facts, concepts and information converted to a form useable for communications, interpretation or
processing by electronic and electromechanical data processing or electronically controlled equipment and includes programmes,
software and other coded instructions for the processing and manipulation of data or the direction and manipulation of such
equipment.
COMPUTER VIRUS means a set of corrupting, harmful or otherwise unauthorised instructions or code including a set of maliciously
introduced unauthorised instructions or code, programmatic or otherwise, that propagate themselves through a computer system or
network of whatsoever nature. COMPUTER VIRUS includes but is not limited to 'Trojan Horses', 'worms' and 'time or logic bombs'.
(b) However, in the event that a peril listed below results from any of the matters described in paragraph (a) above, this Policy, subject
to all its terms, conditions and exclusions, will cover physical damage occurring during the Policy period to property insured by this
Policy directly caused by such listed peril.
Listed Perils:
Fire
Explosion
2. Electronic Data Processing Media Valuation
Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood and agreed as follows:
Should electronic data processing media insured by this Policy suffer physical loss or damage insured by this Policy, then the basis of
valuation shall be the cost of the blank media plus the costs of copying the ELECTRONIC DATA from back-up or from originals of a
previous generation. These costs will not include research and engineering nor any costs of recreating, gathering or assembling such
ELECTRONIC DATA. If the media is not repaired, replaced or restored the basis of valuation shall be the cost of the blank media.
However this Policy does not insure any amount pertaining to the value of such ELECTRONIC DATA to the Assured or any other
party, even if such ELECTRONIC DATA cannot be recreated, gathered or assembled.
25/01/01
NMA2915
Industries, Seepage, Pollution and Contamination Clause NMA 1685.

This Insurance does not cover any liability for:
1. Personal Injury or Bodily Injury or loss of, damage to, or loss of use of property directly or indirectly caused by seepage, pollution
or contamination, provided always that this paragraph 1. shall not apply to liability for Personal Injury or Bodily Injury or loss of or
physical damage to or destruction of tangible property, or loss of use of such property damaged or destroyed, where such seepage,
pollution or contamination is caused by a sudden, unintended and unexpected happening during the period of this Insurance.
2. The cost of removing, nullifying or cleaning-up seeping, polluting or contaminating substances unless the seepage, pollution or
contamination is caused by a sudden, unintended and unexpected happening during the period of this Insurance.
3. Fines, penalties, punitive or exemplary damages.
This Clause shall not extend this Insurance to cover any liability which would not have been covered under this Insurance had this
Clause not been attached.
22/1/70
NMA1685
Excluding Wear and Tear.

Policy No. : P-C01-23-40120-000819
Wear and tear, rust, corrosion, erosion, cavitation, boiler scale, incrustation, deterioration, settling, gradual cracking, gradually
developing deformation or distortion, gradual deterioration due to atmospheric conditions or due to other caused.
Claims which are covered under Manufacturer's warranty

Claims which are covered under Manufacturer's warranty
Excluding Offshore Operation

Excluding Offshore Operation
W and Clive W exclusion clause.

W and Clive W exclusion clause.
Warranties:
Warranted Machines/Equipment are securely died /fastened to trailers and not kept loose
Warranted Machines/Equipment are securely died /fastened to trailers and not kept
loose
Warranted Proper & Periodic Maintenance should be carried out on the equipment
Warranted Proper & Periodic Maintenance should be carried out on the equipment
Warranted that Machines / Equipment loaded/ stowed on the carrying vehicle with licensed carrying capacity and within
dimensions of width or length permitted by local laws and traffic height of the bridge /over pass/ under pass.
Warranted that Machines / Equipment loaded/ stowed on the carrying vehicle with
licensed carrying capacity and within dimensions of width or length permitted by local laws and traffic height of the bridge /over pass/
under pass.
Warranted that Operation and Maintenance as per the Manufacturers Recommendations

Warranted that Operation and Maintenance as per the Manufacturers Recommendations
Warranted that machine are always operated by persons duly licensed with Local Statutory requirements and experienced in
operation of such type of equipment
Warranted that machine are always operated by persons duly licensed with Local
Statutory requirements and experienced in operation of such type of equipment
Warranted that the equipment shall not be left unattended at any time without proper precaution being taken to prevent theft
or any attempt thereat
Warranted that the equipment shall not be left unattended at any time without
proper precaution being taken to prevent theft or any attempt thereat

POLICY WORDING - CONTRACTORS’ PLANT AND MACHINERY
P-C01-23-40120-000819 : ‫رقم الوثيقة‬
Whereas, the subscriber, whose name and ID No. are ‫فبنا ًء على إقرار المشترك – المذكور اسمه وسجله المدني بطلب‬
mentioned in the subscription application, has acknowledged ‫اشتراك – بالتزامه بتسديد رسم اشتراك – المدفوع من قبله أو‬
that he is committed to pay the subscription charges, either ‫ وبما أن شركة ) وء‬.‫من ينوب عنه – لصندوق المشتركين‬
by himself or by his representative, to the subscribers' Fund ً ‫للتأمين التعاوني ( – المعبر عنها فيما بعد الشركة – تقوم وفقا‬
and; Whereas, (Walaa Cooperative Insurance Company),
herein after referred to as "the Company", manages the ‫حكام نظام مراقبة شركات التأمين التعاوني وئحته التنفيذية‬
cooperative insurance operations and invests the moneys in ‫المتوافقين مع احكام الشريعة اسمية بإدارة عمليات التأمين‬
the subscribers' Fund for their benefits in accordance with ‫التعاوني واستثمار أموال صندوق المشتركين لصالح المشتركين‬
the Law on Supervision of Cooperative Insurance ‫نظير نسبة مئوية من قيمة أقساط التأمين المكتتبة – تحدد بجدول‬
Companies and its implementation regulations which are
compliant with the Sharia rules, in return for a percentage of ‫ وترحل إلى‬،‫الوثيقة – تستوفي من الفائض الصافي السنوي‬
the gross premium value underwritten (as defined in the ‫) من الفائض الصافي‬%10( ‫حساب المساهمين وذك بعد توزيع‬
policy schedule) to be taken from the annual net surplus, and .‫على المشتركين مباشرة أو بتخفيض أقساطهم للسنة التالية‬
shall be moved to the accounts of the shareholders after
distributing 10% of the net surplus directly on the
subscribers, or by reducing their premiums for the following ‫فقد تم اتفاق بين شركة ) وء للتأمين التعاوني العربي للتأمين‬
year.
‫ و المشترك‬،‫التعاوني( – باعتبارها مديرة لصندوق المشتركين‬
Therefore, it has been agreed between (Walaa Cooperative ‫على قبول طلبه للدخول تحت غطاء التأمين التعاوني عن البنود‬
Insurance Company), in its capacity as manager of the ‫المدرجة في الجدول المرفق بهذه الوثيقة أثناء فترة سريانها أو‬
subscriber’s Fund, and the subscriber to accept the latter’s .‫تجديدها أو أي مدة حقة اشترك فيها المشترك باشتراك إضافي‬
subscription application to be covered under the cooperative
insurance policy, for items listed in the attached schedule,
during its validity period, its renewal period or any ‫وبهذذذا يدعذذد المشذذترك معمنذذا تعاونيذذا مذذع بقيذذة المشذذتركين لتفتيذذت‬
subsequent term in which the subscriber has an additional ‫اخطذذار التذذي تقذذع لهذذم أو حذذدهم علذذى سذذبيل التذذأمين التعذذاوني ؛‬
subscription.
، ‫حيذ تططذذي هذذذه الوثيقذذة مبذذال التططيذذة المحذذددة فذذي هذذذه الوثيقذذة‬
The subscriber, hereby, shall be jointly covered along with ‫وذلذذذف وفقذذذا لوحكذذذام و الشذذذروط و اسذذذتثناءات الذذذواردة فذذذي هذذذذه‬
other subscribers for reducing the risks that affect all, or any .‫الوثيقة أو أي ملحق يضاف إليها‬
of them, on the basis of cooperative insurance, as this policy
covers the amounts specified in this policy. This shall be in
accordance with the terms, conditions and exceptions set
forth in this document or in any additional attachment thereof.

Policy No. : P-C01-23-40120-000819
CONTRACTORS’ PLANT AND MACHINERY INSURANCE
Introduction
This is your Contractors’ Plant & Machinery policy wording. It tells you what is covered and what is not,
as well as the Terms and Conditions which apply.
On receipt of your policy, we recommend that you read it carefully in conjunction with the attached
schedule. This is to ensure that the policy gives you the protection you need. If any details are incorrect,
return the schedule/document immediately.
The schedule specifies the cover you have selected; it is your evidence of insurance and may be required
in the event of a claim. If you decide that you do not wish to accept this policy, return it within 24 hours
of receipt and provided no claims have been made, we will refund the full premium less SAR 50 for
administrative expenses.
Currency used here in this contract and any related documents is Saudi Riyals (SAR)
Please note that, this is the English version of this document and the original Arabic Version is available
and is to be seen as the prevailing document, should there be any differences between the English and
Arabic versions.
Whereas the Insured named in the Schedule hereto has made to Walaa Cooperative Insurance Company
(hereinafter called “the Insurers”) a written proposal by completing a questionnaire which, together with
any other statement made in writing by the Insured for the purpose of this Policy, is deemed to be
incorporated herein,
Now this Policy of Insurance witnesses that, subject to the Insured having paid to the Insurers the
premium mentioned in the Schedule and subject to the terms, exclusions, conditions and provisions
contained herein or endorsed hereon,
The Insurers hereby agrees with the Insured that if at any time during the period of Insurance stated in
the Schedule or during any subsequent period for which the Insured pays and the Insurers may accept the
premium for the renewal of this Policy, the items (or any part thereof) entered in the Schedule, whilst at
the location or in the geographical area mentioned therein, suffer any unforeseen and sudden physical
loss or damage from any cause not specifically excluded in a manner necessitating repair or replacement,
The Insurers will indemnify the Insured in respect of such loss or damage as hereinafter provided by
payment in cash, replacement or repair (at their own option) up to an amount not exceeding in any one
year of insurance in respect of each of the items specified in the Schedule the sum set opposite thereto
and not exceeding in all the total sum expressed in the Schedule as insured hereby.
This Policy shall apply whether the insured items are at work or at rest, or being dismantled for the
purpose of cleaning or overhauling, or in the course of the aforesaid operations themselves, or in the
course of subsequent re-erection, but in any case only after successful commissioning.

Policy No. : P-C01-23-40120-000819
EXCLUSIONS
The Insurers shall not be liable for:
a. the deductible stated in the Schedule to be borne

by the Insured in any one occurrence; if more j. loss or damage occurring whilst any insured item
than one item is lost or damaged in one is undergoing a test of any kind or is being used
occurrence, the Insured shall not, however, be in any manner or for any purpose other than that
called upon to bear more than the highest single for which it was designed;
deductible applicable to such items;
k. loss of or damage to plant and/or machinery
b. loss or damage due to electrical or mechanical working underground unless otherwise agreed by
breakdown, failure, breakage or derangement, endorsement;
freezing of coolant or other fluid, defective
lubrication or lack of oil or coolant, but if as a l. loss or damage directly or indirectly caused by,
consequence of such breakdown or derangement or arising out of, or aggravated by war, invasion,
an accident occurs causing external damage, act of foreign enemy, hostilities (whether war be
such consequential damage shall be declared or not), civil war, rebellion, revolution,
indemnifiable; insurrection, mutiny, riot, strike, lock-out, civil
commotion, military or usurped power, a group
c. loss of or damage solely to replaceable parts and of malicious persons or persons acting on behalf
attachments such as bits, drills, knives or other of or in connection with any political
cutting edges, saw blades, dies, moulds, patterns, organization, conspiracy, confiscation,
pulverizing and crushing surfaces, screens and commandeering, requisition or destruction or
sieves, ropes, belts, chains, elevator and damage by order of any government de jure or de
conveyor bands, batteries, tyres, connecting facto or by any public authority;
wires and cables, flexible pipes, jointing and
packing material regularly replaced; m. loss or damage directly or indirectly caused by,
or arising out of, or aggravated by nuclear
d. loss or damage due to explosion of any boiler or reaction, nuclear radiation or radioactive
pressure vessel subject to internal steam or fluid contamination;
pressure or of any internal combustion engine;
n. loss or damage due to any faults or defects
e. loss of or damage to vehicles designed and existing at the time of commencement of this
licensed for general road use unless these Policy within the knowledge of the Insured or his
vehicles are exclusively used on construction representatives, whether such faults or defects
sites; were known to the Insurers or not;
f. loss of or damage to waterborne vessels or craft; o. loss or damage directly or indirectly caused by,
or arising out of, or aggravated by the willful act
g. loss or damage due to total or partial immersion or willful negligence of the Insured or his
in tidal waters; representatives;
h. loss or damage whilst in transit unless otherwise p. loss or damage for which the supplier or
agreed by endorsement; manufacturer is responsible either by law or
under contract;
i. loss or damage as a direct consequence of the
continual influence of operation (e.g. wear and q. consequential loss or liability of any kind or
tear, corrosion, rust, deterioration due to lack of description;
use and normal atmospheric conditions);

Policy No. : P-C01-23-40120-000819
r. loss or damage discovered only at the time of destruction or damage is not covered by this
taking an inventory or during routine servicing. Policy, the onus of proving that such loss,
In any action, suit or other proceeding where the destruction or damage is covered shall be upon
Insurers allege that by reason of the provisions the Insured.
of exclusions (l) and (p) above any loss,
PROVISIONS
Memo 1 - SUM INSURED
It shall be a requirement of this Policy that the sum insured is equal to the cost of replacement of the
insured items by new items of the same kind and capacity, which means their cost of replacement
including, e.g., freight, customs duties and dues, if any, and cost of erection.
If the sum insured is less than the amount required to be insured, the Insurers shall pay only in such
proportion as the sum insured bears to the amount required to be insured. Every item if more than one
shall be subject to this condition separately.
Memo 2 - BASIS OF LOSS SETTLEMENT
In the event of any loss or damage the basis of any settlement under this Policy shall be as follows:
a) In cases where damage to an insured item can be repaired - the Insurers shall pay expenses
necessarily incurred to restore the damaged item to its former state of serviceability plus the cost of
dismantling and re-erection incurred for the purpose of effecting the repairs as well as ordinary
freight to and from a repairshop, customs duties and dues, if any, to the extent such expenses have
been included in the sum insured. If the repairs are executed at a workshop owned by the Insured,
the Insurers shall pay the cost of materials and wages incurred for the purpose of the repairs plus a
reasonable percentage to cover overhead charges.
No deduction shall be made for depreciation in respect of parts replaced, but the value of any
salvage shall be taken into account.
If the cost of repairs as detailed hereinabove equals or exceeds the actual value of the insured item
immediately before the occurrence of the damage, the item shall be regarded as destroyed and
settlement shall be made on the basis provided for in (b) below.
b) In cases where an insured item is destroyed - the Insurers shall pay the actual value of the item
immediately before the occurrence of the loss, including charges for ordinary freight, cost of
erection, customs duties, if any, provided such expenses have been included in the sum insured,
such actual value to be calculated by deducting proper depreciation from the replacement value of
the item. The value of any salvage shall be taken into account.
Any extra charges incurred for overtime, night work, work on public holidays, and express freight
shall be covered by this Policy only if especially agreed in writing.
The cost of any alterations, additions, improvements or overhauls shall not be recoverable under this
Policy.

Policy No. : P-C01-23-40120-000819
The cost of any provisional repairs shall be borne by the Insurers if such repairs constitute part of the
final repairs and do not increase the total cost of repair.
The amount payable by the Insurers according to the above-mentioned provisions shall be reduced by
the deductible stated in the Schedule.
The Insurers shall make payments only after being satisfied by production of the necessary bills and
documents that the repairs have been effected or replacement has taken place, as the case may be.
CONDITIONS
1. The due observance and 4. telegram as well as in writing,

fulfillment on the terms of this a) Representatives of the giving an indication as to the
Policy in so far as they relate to Insurers shall at any reasonable nature and extent of the loss or
anything to be done or complied time have the right to inspect damage,
with by the Insured and the truth and examine the risk and the b) take all reasonable steps
of the statements and answers in Insured shall provide the within his power to minimize the
the questionnaire and proposal representatives of the Insurers extent of the loss or damage;
made by the Insured shall be a with all details and information c) preserve the parts affected and
condition precedent to any necessary for the assessment of make them available for
liability of the Insurers. the risk. inspection by a representative or
b) The Insured shall as soon as surveyor of the Insurers;
2. The Schedule shall be deemed practicable notify the Insurers by d) furnish all such information
to be incorporated in and form telegram and in writing of any and documentary evidence as the
part of this Policy and the material change in the risk and Insurers may require;
expression “this Policy”, cause at his own expense such e) inform the police authorities
wherever used in this contract, additional precautions to be in the case of loss or damage due
shall be read as including the taken as circumstances may to theft or burglary.
Schedule. Any word or require, and the scope of cover The Insurers shall on no account
expression to which a specific and/or premium shall, if be liable for loss or damage of
meaning has been attached in necessary, be adjusted which no notice has been
any part of this Policy or of the accordingly. No material received by the Insurers within
Schedule shall bear such alteration shall be made or 14 days of its occurrence. Upon
meaning wherever it may appear. admitted by the Insured whereby notification being given to the
the risk is increased, unless the Insurers under this condition, the
3. The Insured shall at his own continuance of the insurance is Insured may carry out repairs of
expense take all reasonable confirmed in writing by the any minor damage or replace
precautions and comply with all Insurers. items which have sustained any
reasonable recommendations of minor damage; in all other cases
the Insurers to prevent loss or 5. In the event of any occurrence a representative of the Insurers
damage and comply with which might give rise a claim shall have the opportunity of
statutory requirements and under this Policy, the Insured inspecting the loss or damage
manufacturers’ shall before any repairs or alterations
recommendations. a) as soon as practicable notify are effected. If a representative
the Insurers by telephone or of the Insurers does not carry out

Policy No. : P-C01-23-40120-000819
the inspection within a period of by either of the parties, or, in
time which could be considered case the arbitrators do not agree, 9. This Policy may be terminated
adequate under the of an umpire to be appointed in at the request of the Insured at
circumstances, the Insured shall writing by the arbitrators before any time, in which case the
be entitled to proceed with the the latter enter upon the Insurers will retain the
repairs or replacement. Nothing reference. The umpire shall sit customary short-period rate for
contained herein shall prevent with the arbitrators and preside the time this Policy has been in
the Insured from taking such at their meetings. The making of force. This Policy may equally
steps as are absolutely necessary an award shall be a condition be terminated at the option of the
for the upkeep of operations at precedent to any right of action Insurers by thirty (30) days’
the respective construction site. against the Insurers. If any notice to that effect being given
The liability of the Insurers difference shall arise as to the to the Insured, in which case the
under this Policy in respect of amount to be paid under this Insurers will be liable to repay
any item sustaining damage shall Policy (liability being otherwise on demand a rateable proportion
cease if said item is not repaired admitted) which cannot be of the premium for the unexpired
properly without delay. resolved by agreement between term from the date of
the insurer and the policyholder cancellation less any reasonable
6. The Insured shall at the within sixty (60) days from the inspection charges (up to a
expense of the Insurers do and date of written notice of such maximum of 2.5% of gross
concur in doing and permit to be dispute shall be referred to the premium) the Insurers may have
done all such acts and things as Saudi Arabian Committees for incurred. Some of the reasons
may be necessary or required by Resolution of Insurance Disputes due to which the Company can
the Insurers in the interest of any and Violations. This Policy is cancel are mentioned in
right or remedies, or of obtaining governed by the laws of the Appendix 2 of this policy.
relief or indemnity from parties Kingdom of Saudi Arabia.
(other than those insured under 10. If at the time any claim arises
this Policy) to which the Insurers 8. under this Policy there is any
are or would become entitled or a) If the proposal or declaration other insurance covering the
which is or would be subrogated of the Insured is untrue in any same loss or damage, the
to them upon their paying for or material respect, or if any claim Insurers shall not be liable to pay
making good any loss or damage made is fraudulent or or contribute more than their
under this Policy, whether such substantially exaggerated, or if rateable proportion of any claim
acts and things are or become any false declaration or for such loss or damage.
necessary or required before or statement is made in support
after the Insured’s thereof, then this Policy shall be 11. Surplus Distribution &
indemnification by the Insurers. void and the Insurers shall not be Participation: 10% of the net
liable to make any payment surplus arising from insurance
7. If any difference arises as to hereunder. operations shall be distributed to
the amount to be paid under this b) In the event of the Insurers the policyholders directly or in
Policy (liability being otherwise disclaiming liability in respect of the form of reduction in
admitted), such difference shall any claim and if an action or suit premiums for the next year. The
be referred to the decision of an is not commenced within three remaining 90% of the net surplus
arbitrator to be appointed in months after such disclaimer or shall be transferred to the
writing by the parties in (in the case of arbitration taking shareholders’ income statement.
difference or, if they cannot place in pursuance of Condition The amount, time and manner of
agree upon a single arbitrator, to 7 of this Policy) within three and eligibility to such
the decision of two arbitrators, months after the arbitrators or distribution are subject to Article
one to be appointed in writing by umpire have made their award, 70 of SAMA’s regulation
each of the parties within one all benefit under this Policy in
calendar month after having respect of such claim shall be 12. Renewal Guidance: The
been required in writing so to do forfeited. Insurer will approach you ahead

Policy No. : P-C01-23-40120-000819
of the policy renewal date to
renew this policy. The Renewal Customer Service Group
terms offered by the insurer will Walaa Cooperative Insurance
Company
form the basis of the contract for AL Dhahran, AL Khobar AL Janubiyah
the renewal period and both the Unit no 8, 34621 – 8615
insured and the insurer have a Tel: 00966 92 0001742
choice to either continue or Kingdom of Saudi Arabia
Email: Walaa@walaa.com
discontinue the policy from the
renewal date. As an insured, it is
advisable that you arrange for
the renewal insurance premium
at that time to avoid any break in
insurance protection.
13. Should you feel that you

have been unfairly treated or
wish to complain regarding your
policy, the following contact
details may be utilized to put
forward your grievances

Policy No. : P-C01-23-40120-000819
APPENDIX 1 - SHORT RATE TABLE
The Short Period Premium Computation / Refund Premium will be computed as below:
(a) Refund Premium is subject to no ‘non-recoverable’, paid, outstanding claims only.

(b) Pro-rata refund, when cancellation upon Company’s request except for reason e) in Appendix 2.
(c) Short Period Computation as follows, when cancellation up on the client’s request
Short Period Cancellation

Covered Period Refund Premium Rate ( of the charged Premium )
1 Up to 7 days 87.50%
2 8 days - 30 days 75.00%
3 31 days - 60 days 62.50%
4 61 days - 90 days 50.00%
5 91 days - 120 days 37.50%
6 121 days - 180 days 25.00%
7 181 days - 240 days 12.50%
8 241+ days 0.00%
APPENDIX 2 – REASONS FOR WHICH COMPANY MAY CANCEL
a) Any non-disclosure, misrepresentation of any material fact by the insured, in respect of this insurance. (A
material fact is one which affects the judgment of the Insurer in deciding whether to accept a risk and on
what terms. For an existing insurance, it affects their judgment as to whether to continue to insure the risk
and on what terms).
b) Any non-observance of the terms of this insurance contract by the insured.
c) Non-payment of premium by the insured on due dates agreed.
d) Any alterations effected by the insured, which adversely changes the profile of the risk insured
e) Fraudulent claims lodged by the insured
f) Non-cooperation of the insured, with Insurers / their representatives / loss adjusters / investigators either in
respect of any claim or otherwise.
g) When the Insured is not allowed to operate by any Government authorities, or when the premises where the
insured items are kept, are declared unsafe for occupation by the authorities concerned, or when the
insured's commercial license has been revoked.
h) Non-implementation of any Loss Minimization / Risk Improvement suggestions made by the insurers.
However,
i) the insurers are not obliged to provide any notice of cancellation or return of premium, in respect of (e)
above; and
ii) in respect of (a) above, the insurers shall be entitled to deduct any expenses incurred by them towards the
issuance of this policy, from such refund of premium payable upon cancellation
APPENDIX 3 – OTHER DEFINITIONS / GLOSSARY
“Period of insurance” means the period during which the insurance cover provided by this policy is in effect as
reflected in the Policy Schedule and the policy.
“Deductible” means the amount, which is borne by the insured for each and every damage / loss. The company’s
liability commences after using up the deductible.

Policy No. : P-C01-23-40120-000819
“Endorsement”- means a printed text issued by the company, whether at the commencement of cover or during
the policy validity, for amending or adding or deleting coverage accorded under this policy.
Applicable law: In the absence of any written agreement to the contrary as mentioned in the policy schedule the
law applicable to this contract will be Kingdom of Saudi Arabia law.
Schedule: This form part of the policy that details information provided to the Insured and forms the basis of the
contract showing the coverage/s and limits selected.
Jurisdiction and applicable laws : Any dispute arising out of this policy shall be subject and governed by
applicable laws and regulations of the Kingdom of Saudi Arabia , and the Insurance disputes committees stated in
article (20) of the Cooperative Insurance Companies Control Law issued by royal decree No. (M/32) dated
02/06/1424H, shall be the only competent bodies to deal with such disputes.
Territory: The Territory is the Geographical Limit of coverage accorded by this policy as mentioned in the Policy
Schedule. The Territory applicable is Saudi Arabia unless specified differently in the Policy Schedule.
In Witness Whereof, this policy has been signed at Khobar, (Kingdom of Saudi Arabia).

Policy Confirmation Document / ‫مستند تأكيد الوثيقة‬
Document Date / ‫تاريخ الستند‬ : 02/04/2023
Policy Effective Date / ‫تاريخ بداية سريان الوثيقة‬ : 21/03/2023
Document No. / ‫رقم المستند‬ : DN1101-GPD-23-004032
Source / ‫المصدر‬ : Nisrin Rihan
Client No. / ‫رقم العميل‬ : 3180053928
Insured Name / ‫اسم المؤمن له‬ : MOBCO
Group Name / :
P.O. Box/Street / : 12313 City / ‫ المدينة‬: Riyadh Country / ‫البلد‬ : Saudi Arabia
‫ الشارع‬/ ‫صندوق البريد‬
Phone / ‫الهاتف‬ : 0535345426 Email / ‫ البريد اللكتروني‬:
Client VAT No. / ‫الرقم الضريبي للعميل‬ : 301034757500003
Class / ‫الفئة‬ : Motor Comprehensive

Policy No. / ‫رقم الوثيقة‬ : P-C01-23-310-000958
Contribution with 15.00% Vat / ‫إشتراك‬ Saudi Riyals / ‫ ر سعودي‬SAR

Premium / ‫قسط التأمين‬ 258,481.51
Policy Issuance Fee / ‫رسوم إصدار الوثيقة‬ 25.00
Total Amount / ‫المبلغ الجمالي‬ 258,506.51
VAT Amount / ‫( مبلغ ضريبة القيمة المضافة‬15.00%) 38,775.98
Total Amount Including VAT / ‫المبلغ الجمالي شامل ضريبة القيمة المضافة‬ 297,282.49
Saudi Riyals / ‫ ر سعودي‬: SAR Two Hundred And Ninety-seven Thousand, Two Hundred And Eighty-two and Forty-nine Halalah
only
Payment Schedule / ‫جدول الدفعات‬

Due Date / ‫تاريخ الستحقاق‬ Due Amount / ‫المبلغ المستحق‬ (%) Remarks / ‫الملحظات‬
21/03/2023 193,889.89 60.0 1st Installment includes 100% VAT & Policy Fee
19/06/2023 103,392.60 40.0
Conditions : Premium should be paid as per ‫ من الواجب سداد القساط المستحقة بحسب‬: ‫شروط الدفع‬
payment terms mentioned in this policy. Non ‫ حيث إن عدم سداد القساط سوف‬،‫الشروط الواردة في وثيقة التأمين‬
payment will result in cancellation of policy. ‫يؤدي إلى إلغاء وثيقة التأمين و تحتفظ الشركة بحق رفض قبول‬
Company reserve the right to refuse claims on ‫المطالبات المتعلقة بالوثائق غير مسددة القساط‬.
Signed on behalf of the company Branch:Riyadh Corporate Office Issue Date: 02-Apr-2023
Printed: 04/04/2023 01:11:35 PM Printed by: Ahmed Hejji Ibrahim Alnatham Page 1 of 1
Motor Insurance Schedule - Comprehensive
Account No. 3180053928 Policy Number: P-C01-23-310-000958 Group Name:
Source: Insured Name: Coverage from: Coverage To:

S235 MOBCO 21/03/2023 20/03/2024
Limits of Liability
In the event of the occurrence of an accident resulting in the payment of indemnity in accordance with the provisions of this policy,
the maximum limit of the company's liability for one event for both physical damage (including blood money, bodily injuries
damages and medical expenses) and material damages, shall not exceed together a total sum of SR 10,000,000 (ten million Saudi
riyals) as a coverage liability limit.
Conditions
As per attached Wala'a Policy wording (approved by Saudi Central Bank - SAMA) including but not limited to:
Territorial Limit
Law and Jurisdiction

Towing Expenses
Actual documented cost but not exceeding any one occurence
SR 500 for vehicles within city limit,
SR 1,000 for vehicles outside city limit.
Emergency Medical Expenses

Limit per Person SR 1,000, Limit per Occurrence SR 5,000
Personal Accident Benefits

Optional cover for Driver and Passengers subject to full seating capacity – Limit as per Scale of Compensation up to a maximum of
SR 100,000 per person. Less than 18 years old and over 70 years old will have 50% compensation in case of death but up to 50%
benefit in case of permanent total disablement.
Authorized Driver
Any named &/or unnamed person, holding Saudi Driving License or a permit to drive a motor vehicle issued by Saudi Traffic
Authorities, is allowed to drive any and all motor vehicles that involved in the Insured’s operation and/or meant for the Insured’s
business of leasing.
Natural Perils
seal on behalf of the Company, Riyadh Corporate Office

Walaa is licensed and supervised by SAMA

S235 MOBCO 21/03/2023 20/03/2024
Natural Perils: Loss or damage by Storm, Tempest, Hail, Rain, Flood, Sandstorm, and WindStorm are payable subject to Double
Deductible
Police/Najm Report
Every claim should be substantiated with police report and/or Najm report and/or report from a competent authority.
Premium collection/Refund basis

The premium for additions and deletions of vehicles are calculated on pro-rata basis. However Nil refund premiums allowed to
vehicles which have incurred a claim amount more than the refundable amount.
Cancellation/Deletion requirement
In case of cancellation of policy or deletion of a car from a policy, Insured should provide proof of alternative insurance and/or
transfer of ownership.
SIMAH
The Company has the right to add the Insured’s name under SIMAH in case of failure to fulfil premium payment.
License applicability
Driver License should be applicable for vehicle type as per traffic law.
Accident Related to Commercial - Private

Accident related to commercial vehicles are covered even if drivers holding a private driving license to Double deductible. (As far as
it is not violating the traffic law)
Accident Related to Commercial - Light

Accident related to heavy commercial vehicles are covered even if drivers holding light driving license to Double deductible. (As far
as it is not violating the traffic law)
Deductible where Third Party is at fault

Nil deductible and Nil depreciation if third party at fault 100% subject to third party having a proper insurance coverages.
Theft Claims condition

Theft claims are payable as total loss if the vehicle is not found as soon as possible or within 90 working days subject to submission
of final police report. If the vehicle is found after compensation is made to the Insured, it becomes the property of the Insurance


S235 MOBCO 21/03/2023 20/03/2024
Company. It being understood and agreed that theft cover will not be allowed if the vehicle is not properly locked or the key is left
inside the vehicle or the vehicle is left with engine ignition running.
Limitation of Use
For private purpose and/or for their business or profession only.
Agency Repair Condition

Unless specifically agreed, Agency Repairs is allowed for vehicles with models not older than 5 years (except the vehicles submitted
at quotation level and accepted by InsuranceCompany).
Work shop repair condition

Unless specifically agreed, Workshop Repairs is allowed for vehicles with models not older than 15 years (except the vehicles
submitted at quotation level and accepted by InsuranceCompany).
Notice of Cancellation
30 Days Notice of Cancellation by either party.
Liability Towards Passengers

The coverage shall include the public liability towards the passengers as per seating capacity of each vehicle(s) subject to Shari’ah
Court Order.
Personal Accident Benefits Premium

Additional Premium for Personal Accident Passenger :SR 20 each person
Additional Premium for Personal Accident Driver :SR 20 for each driver
special condition
Coverage of car accidents in private transportation ( mini and large buses and trucks) in case, the driver's license not suitable.
The rest of the Conditions, please refer to the insurance policy wording
Exclusions
General Exclusion
- Vehicles carrying inflammables and explosives, hazardous material/waste, ambulances, firefighting trucks, limousines, taxies,
Rent-a-car, public buses, Vehicles used for transportation of goods, cars used for sports, racing, rallies and/speed trials.


S235 MOBCO 21/03/2023 20/03/2024
- The Policy excludes drivers aged below 21 years for private vehicles unless agreed by the Company in writing and policy extended
to cover the underage driver with additional premium in advance.
- The Policy excludes drivers aged below 25 years for commercial vehicles.
- Loss of use, wear and tear, depreciation, betterment or mechanical or electrical breakdown.
- Theft/damage to any accessories of the vehicle unless declared at the time of issuing the Policy.
- Institute Chemical, Biological, Biochemical, and Electro-magnetic Weapons Exclusion.
- Cyber Attack/IT Clarification.
- Aviation Liability / Air Side Liability / Sea Port Liability/product liability & warranty.
- Radioactive Contamination exclusion Clause.
- Political Risks, Sabotage and Terrorism.
- Sanctions Limitations and exclusion Clause.
- strikes, riots and civil commotions (SRCC).
- War, Civil War and War like activity whether war be declared or not.
- Damage or loss to the goods transported by the insured vehicle.
- Fines, financial penalties, guarantees or warranties which may be imposed on the insured or the driver due to the accident.
- Any loss damage liability or expense caused sustained or incurred whilst the Motor Vehicle is being used or operated as a tool of
trade.
- Loss or damage to insured vehicle arising out of or in connection with parade activities in unpaved streets or sandy hills.
- Driving the Motor Vehicle in desert areas and unpaved roads.
- Any Errors and Omissions.


S235 MOBCO 21/03/2023 20/03/2024
- Any trucks or tankers used for shipping any of petroleum products.
- Any loss or damage for the Property being in transit or shipped by the insure vehicles.
- Any liability arising from vehicles being used within any areas of airports or marine ports which are not normally accessible to the
general public.
- All other exclusions as per policy to be issued.
- Accidents occurring outside the geographical territory
- Accidents occurring outside the geographical territory
Communicable Disease Exclusion

This endorsement modifies insurance provided by this Policy:
Notwithstanding any other provision of this Policy to the contrary, the Company does not insure and expressly excludes any loss,
cost, damage, liability, claim, fine, penalties or expense whatsoever, directly or indirectly, arising out of, attributable to, or occurring
concurrently or in any sequence with a communicable disease and/or threat (whether actual or perceived) or fear thereof.
As used herein, communicable disease means any infectious or contagious substance and / or any Pandemic or epidemic, as declared
as such by the World Health Organization or any governmental authority which can be transmitted by means of any substance or
agent from any organism to another organism including but not limited to:
1. A virus (coronavirus COVID-19, Severe Acute Respiratory Coronavirus 2 (SARS-/cov-2), Any mutation Variation of SARS 2 –
COV-2, bacterium, parasite or other organism or any mutation thereof, whether deemed living or not, and
2. Regardless of the method of transmission, whether direct or indirect, including, but not limited to, airborne transmission, bodily
fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between humans, animals, or from any animal
to any human or from any human to any animal,
that can cause or threaten damage to human health or human welfare or causes or threatens damage, deterioration, loss of value,
marketability or loss of use or loss of profit thereof to a tangible or intangible property insured hereunder.
For avoidance of doubt, no coverage extension, additional coverage, global extension, exception to any exclusion or other coverage
grant shall afford any coverage that would otherwise be excluded through this exclusion. For further avoidance of doubt, loss, cost,
damage or expense, includes any cost to clean-up, detoxify, remove, monitor or test: (1) for a communicable disease or (2) any
tangible or intangible property insured hereunder that is affected by such communicable disease.
All other terms and conditions of the Policy remain the same.
The rest of the exclusions, please refer to the insurance policy wording


S235 MOBCO 21/03/2023 20/03/2024
Depreciation
i) Partial Loss
Vehicle Age from 1 and above with Partial Loss Depreciation of 0%
Tires are 0% and batteries are 0% payable only if the tires and batteries are damaged in a road accident.
ii)Total Loss
a. The insured vehicle will be deemed a total loss whenever repair estimate inclusive of parts is exceeding 50% of Declared Value.
Premium Payment Schedule
Notwithstanding anything contained herein to the contrary, it is hereby declared and agreed that the full premium due should be paid
by the Insured as per below payment schedule from policy inception and/or from renewal date. In the event of breach of payment, the
company is entitled to exercise the right to repudiate any claim or to cancel the policy serving thirty days Cancellation notice in
adherence to Saudi Arabian Monetary Agency (SAMA) ruling. Further, the Insured is obliged to pay contribution/premium for the
period policy was in force for.
Due Date Due Amount (%) Remarks
21/03/2023 193,889.89 60 At inception
19/06/2023 103,392.60 40 Within 91 days from inception

1|Page
...‫نشكركم‬
Thank you… .‫على إختياركم شركة وء للتأمين التعاوني‬
For Choosing Walaa Cooperative Insurance Company
We take pride in introducing ourselves as one of the leading ‫نفخر في التعريف بأنفسنا كواحدة من أبرز شركات التأمين وإعادة التأمين في‬
insurance and reinsurance company in the Kingdom of Saudi Arabia ‫ مليون‬850 ‫المملكة العربية السعودية برأس مال مدفوع بالكامل بقيمة‬
with a fully paid-up capital of SAR 850 million. .‫سعودي‬
We have been assigned an (A-) Insurance Financial Strength Rating

(IFSR) by S&P Global Ratings and (gcAAA) GCC regional scale financial
‫تم تقييمنا من وكالة "ستاندرد أند بورز" للتصنيف ائتماني بتقييم القوة المالية‬
strength credit rating, both with a 'stable' outlook. Moody’s Investors ‫( للقوة المالية بمعايير خليجية مع نظرة مستقبلية‬gcAAA) ‫) وعلى تقييم‬A(
Service rated Walaa with a financial strength rating of (A3). ‫ كما قيمتنا وكالة التصنيف ائتماني الدولية موديز بتصنيف القيمة المالية‬.‫مستقرة‬
.(A3)
This Policy is issued by: Walaa Cooperative Insurance Company .‫ شركة وء للتأمين التعاوني‬:‫تم إصدار هذه الوثيقة من قبل‬
Public” joint stock company, under SAMA supervision ، ‫شركة مساهمة عامة خاضعة شراف ورقابة البنك المركزي السعودي‬
P.O Box 31616 31616 ‫صندوق بريد‬
Al Khobar 31952
31952،‫الخبر‬
Kingdom of Saudi Arabia
Tel: 8001199222 ‫المملكة العربية السعودية‬
Fax: +966 13 865 2255 8001199222 : ‫هاتف‬
Email: complaints@walaa.com +966-318652255: ‫فاكس‬
complaints@walaa.com : ‫بريد اكتروني‬
Content ‫المحتوى‬
‫الصفحة‬
Description ‫الوصف‬
Definitions 3 ‫التعريفات‬
Scope of Coverage 4 ‫مجال التغطية‬
Section A: Comprehensive 4 ‫ التغطية الشاملة‬:)‫القسم (أ‬
Section B: Third Party Liability 6 ‫ التغطية التأمينية تجاه الغير‬:)‫القسم (ب‬
Section C: Optional Covers 8 ‫ تغطيات إضافية اختيارية‬:)‫القسم (ج‬
General Exclusions 9 ‫استثناءات العامة‬
General Provisions 10 ‫احكام العام‬
Claims Settlement Procedures 14 ‫إجراءات تسوية المطالبات‬
How to Make a Claim 14 ‫إجراءات تقديم المطالبة‬
Our Complaints Procedure 15 ‫إجراءات تقديم شكوى لدى الشركة‬
In the Event of an Emergency, call 8001199222 8001199222 ‫ يرجى اتصال على‬،‫في حالة الطوارئ‬
Please give the following information: :‫يرجى تقديم المعلومات التالية‬
 Your policy number ‫رقم الوثيقة الخاصة بك‬ 
 Your name as on your policy ‫اسمك كما هو مدون في الوثيقة‬ 
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Definitions ‫التعريفات‬
Unless otherwise expressly provided herein, the following terms ‫تحمل المصطلحات اتية المدلوت والتعريفات المدونة أمامها كلما وردت في‬
shall have the meaning provided in front of each of them wherever ‫هذه الوثيقة ما لم يشر النص إلى خف ذلك‬
they come in this policy
Accident: any incident that causes damage to the Insured’s vehicle or ‫ ك ّل واقعة ألحقت ضرر بمركبة المؤمن له أو بطرف ثالث نتيجة استعمال‬:‫الحادث‬
third party as a result of the use, explosion, burning, dispersal, .‫المركبة أو انفجارها أو احتراقها أو تناثرها أو حركتها أو اندفاعها الذاتي أو وقوفها‬
movement, self-propulsion or stopover.
Named Driver: the additional driver licensed to drive the Motor ‫ السائق اضافي المصرح له بقيادة المركبة والمسمى في جدول‬:‫السائق المسمى‬
Vehicle and whose name is stated in the Policy Schedule. .‫الوثيقة‬
Policy: the Motor Insurance Policy whose provisions and coverages ‫ وثيقة التأمين على المركبات المبينة أحكامها وتغطياتها في هذه القواعد‬:‫الوثيقة‬
are stipulated herein and in the Policy Schedule attached there to. .‫وجدول الوثيقة الملحق بها‬
Claim: requesting indemnity for damage resulting from of an ّ

‫مغطى (غير‬ ‫ طلب يتقدم به المتضرر بالتغطية عن ضرر ناتج عن خطر‬:‫المطالبة‬
accident not excluded under this policy. .‫مستثنى) بموجب هذه الوثيقة‬
Claimant: an individual, their legal representative, or the legal ‫ الشخص الطبيعي أو من يمثله نظاميا ً أو الممثل النظامي للشخص‬:‫ال ُمطالِب‬
representative of a juristic person who sustains loss resulted from .‫اعتباري الذي لحق به ضرر ناتج عن خطر غير مستثنى في الوثيقة‬
accident not excluded under this policy.
Civil Liability: the liability of the Insured and/or the driver towards a ‫ مسئولية المؤمن له أو السائق تجاه الغير عما يتسبب فيه من‬:‫المسؤولية المدنية‬
third party for material, physical damages or expenses caused by the .‫أضرار مادية أو جسدية أو مصاريف نتيجة استخدام المركبة‬
vehicle under coverage.
Company: Walaa Cooperative Insurance Company. .‫ شركة وء للتأمين التعاوني‬:‫الشركة‬
Indemnity: The amounts to be paid by the insurer to a third party ‫ المبالغ التي يتعين على الشركة دفعها للغير ضمن الحد اقصى‬:‫التعويض‬
within the maximum limit of civil liability specified herein. .‫للمسؤولية المدنية الوارد في هذه الوثيقة‬
Sum Insured: the value of the Motor Vehicle, set in the Policy .‫ قيمة المركبة المحددة في جدول الوثيقة‬:‫القيمة التأمينية‬
Schedule.
Deductible: the amount which will be borne by the Insured from each ‫ هو المبلغ الذي يتحمله المؤمن له من قيمة ك ّل مطالبة مقبولة كما هو‬:‫مبلغ التحمل‬
and every admissible loss as mentioned in the policy schedule. .‫محدد في جدول الوثيقة‬
Essential Change: a change that increases the likelihood of ‫ التغيير الذي يؤدي إلى زيادة نسبة احتمال وقوع الخطر أو‬:‫التغيير الجوهري‬
accidental occurrence or increases its severity. .‫يؤدي إلى زيادة اضرار‬
Material Fact: any information requested by the Company from the ‫ أي معلومة طلبتها الشركة من طالب التأمين عند إبرام الوثيقة‬:‫الحقيقة الجوهرية‬
insurance applicant during the conclusion of the Policy that may .‫وقد تؤثر على قرار الشركة في قبول التأمين أو رفضه أو قبوله بشروط مختلفة‬
affect the Company’s decision in accepting the insurance or rejecting
it or accepting the insurance with different conditions.
Expenses: all costs which are incurred by the third party as a result of ‫(الطﺮف الثالث) بﺴﺒﺐ الﻀﺮر‬ ّ ‫ جﻤﻴع الﺘﻜالﻴﻒ الﺘي يﺘﺤﻤلها الغير‬:‫الﻤﺼاريﻒ‬
damage resulted from an accident not excluded by insurance policy. .‫الﻨاتج عﻦ خﻄﺮ غﻴﺮ مﺴﺘﺜﻨى في هذه الوثيقة‬
Indemnity: amount paid by the company to a third party within the ‫ المبلغ الذي تدفعه الشركة للغير (للطرف الثالث) ضمن الح ّد اقصى‬:‫التعويض‬
maximum civil liability specified in the policy. .‫للتغطية على النحو المنصوص عليه في هذه الوثيقة‬
Material Damages: damages to property belonging to a third party ‫ اضرار التي قد تلحق بممتلكات الغير أو بالمركبة المؤمنة نتيجة‬:‫اضرار المادية‬
or insured vehicle as a result of an accident covered under this policy. .‫للحادث المغطى بموجب هذه الوثيقة‬
Medical Charges: charges and expenses of medical treatment, as well ‫ هي مصاريف ونفقات الع ج الطبي وادوية التي يتكبدها‬:‫المصاريف الطبية‬
as medicine that shall be assumed by third parties, due to an accident .‫(الطرف الثالث) بسبب حادث مشمول بالتأمين وفقًا لهذه الوثيقة‬ ّ ‫الغير‬
covered by this policy.
Other Charges: charges that shall be assumed by third parties due to ‫ي مصروفات يدفعها المتضرر بسبب حادث مغطى‬ّ ‫ تعني أ‬:‫مصاريف أخرى‬
the accident, including towing charges and damage evaluation .‫ بما في ذلك رسوم تقييم اضرار‬،‫بموجب هذه الوثيقة‬
charges.
The insured: natural or legal person, who signs with the company, an ‫ الشخص الطبيعي أو اعتباري الذي أبرم مع الشركة وثيقة التأمين‬:‫المؤمن له‬
insurance policy and whose name is stated in the policy schedule. .‫والمبين اسمه في جدول الوثيقة‬
Physical Damages: death and/or physical injuries that might inflict ‫ الوفاة أو اصابات الجسدية التي تلحق بالغير بسبب حادث‬:‫اضرار الجسدية‬
third parties under a covered reason in this policy including complete ّ
.ً ‫مغطى بهذه الوثيقة؛ بما في ذلك العجز الكلي أو الجزئي سواء كان دائما ً أو مؤقتا‬
or partial disability whether permanent or temporary.
Policy: refers to the terms and conditions of the contract of ‫ مستند يتضمن شروط وأحكام عقد التأمين والذي يشار إليه أحيانا ً بنص‬:‫الوثيقة‬
insurance, also called a policy wording, plus a policy schedule and ‫الوثيقة ويعد جدول الوثيقة وشهادات التأمين ونموذج طلب العرض جز ًء يتجزأ‬
insurance certificates. Proposal forms are also an integral part of the
.‫من الوثيقة‬
policy.
Policy Schedule: the schedule attached to the policy that contains ‫ المستند المرفق بالوثيقة والمتضمن بيانات حامل الوثيقة والمركبة‬:‫جدول الوثيقة‬
date of the insured and the vehicle, is an integral part of the policy. .‫ويعتبر جز ًءا يتجزأ منها‬
Third Party: any normal or legal person who sustains a loss or ‫ كل شخص طبيعي أو اعتباري تلحق به خسارة أو ضرر‬:)‫الطرف الثالث (الغير‬
damage covered under the provisions of this policy excluding the ‫ أو السائق المتسبب‬/‫ناتج عن خطر غير مستثنى في الوثيقة باستثناء المؤمن له و‬
Insured and/or the driver that caused the accident.
.‫في الحادث‬
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Vehicle / Insured Vehicle: any means of transportation designed to ‫ كل وسيلة من وسائل النقل أعدت للسير على‬:‫ المركبة‬/‫المركبة المؤمن عليها‬
move by wheels or chain, being moved or pulled by an engine or ‫ الموضحة مواصفاتها في‬،‫عج ت أو س سل وتسير أو تجر بقوة آلية أو حيوانية‬
animal power, as described in the policy – excluding trains.
.‫ و تشمل القطارات‬-‫الوثيقة‬
comprehensive Motor Insurance: :‫التامين الشامل على المركبات‬
The insurance coverage that is based on damages and losses that ‫التغطية التأمينية التي يكون أساسها تغطية اضرار والخسائر التي تقع على‬
occur to the Insured Motor Vehicle. .‫المركبة المؤمن عليها‬
Repairing Party: the approved agency (manufacturer or importer) to ‫ الوكيل المعتمد )الصانع أو المستورد( ص ح اضرار المغطاة‬:‫جهة ا صح‬
repair the damages covered under the Policy, or the auto repair shop ‫ أو الورش المعتمدة لدى الشركة ص ح اضرار المغطاة في الوثيقة‬،‫في الوثيقة‬
approved by the Company to repair the damages covered under the
.‫والمحددة في جدول الوثيقة‬
Policy, which is stated in the Policy Schedule.
Roadside Assistance: a set of various services provided for the ‫ عدد من الخدمات المختلفة المقدمة للمؤمن له بخ ف‬:‫المساعدة على الطريق‬
Insured, other than towing and storage, when the Motor Vehicle .‫ في حال تعطل المركبة عن السير ي سبب‬،‫الحفظ والنقل‬
breaks down for any reason.
Technical Total Loss: the technically damaged Motor Vehicle, which ‫ المركبات الهالكة فنيًا التي يمكن إص حها بالشكل الذي‬:‫الهك الكلي الفني‬
cannot be repaired to a state legally fit for driving and is sold for ‫ ويلغى تسجيلها لدى ادارة‬،(‫ وتحول المركبة للبيع )تشليح‬،‫يسمح نظاما ً بقيادتها‬
scrap, and is dropped from the registration systems of the General
.‫العامة للمرور‬
Department of Traffic.
Economic Total Loss: the damaged Motor Vehicle that can be ‫ المركبات التي يمكن إص حها لكنها مكلفة من الناحية‬:‫الهك الكلي اقتصادي‬
repaired, but the repair is economically costly; based on the ‫المادية؛ بنا ًء على النسبة المتفق عليها بين الشركة والمؤمن له والمحددة في جدول‬
percentage agreed upon between the Company
.‫الوثيقة‬
and the Insured and stated in the Policy Schedule.
Partial Loss: the destruction or damage of parts of the Motor Vehicle ‫ تلف أو تضرر أجزاء من المركبة بما يتجاوز النسبة المحددة‬:‫الهك الجزئي‬
which does not exceed the set percentage of Economic Total Loss ‫لله ك الكلي اقتصادي المتفق عليه بين الشركة والمؤمن له والمحددة بجدول‬
agreed on between the Company and the Insured which is stated in
the Policy Schedule.
Scope of Coverage ‫مجال التغطية‬
Your policy schedule shows the level and limits of coverage you have ‫يظهر جدول الوثيقة مستوى وحدود التغطية التي يختارها المؤمن له‬
opted for
Section A: Comprehensive ‫ التغطية الشاملة‬:)‫القسم (أ‬
Unless specifically excluded from your policy schedule or approved ‫بخ ف ما هو مستثنى على وجه التحديد في الوثيقة أو جدولها أو أي من م حقها المعتمدة‬
riders, the Insured’s vehicle(s) mentioned in the policy schedule are ‫ مركبات المؤمن له المحدد في الجدول ما يلحقها من أضرار‬/‫فإن هذه الوثيقة تغطي مركبة‬
covered against accidental damage as a result of the following: :‫عن الحوادث التي تنشأ عما تأتي‬
1. Accidental collision or overturning. .‫ التصادم أو انق ب العرضي‬.1
2. Fire, lightning and explosion. .‫ الحريق والبرق وانفجار‬.2
3. Theft or attempted theft.
.‫ السرقة أو محاولة السرقة‬.3
4. Deliberate damages by others.
.‫ الضرر المتعمد من الغير‬.4
5. Natural disasters like flood, rain, torrents and hail.
.‫ الكوارث الطبيعية كالفيضان والمطر والسيل والبرد‬.5
6. Towing and Storage
‫ الحفظ والنقل كما هو موضح في جدول الوثيقة‬.6
Exclusions under Section A: :)‫استثناءات بموجب القسم (أ‬
This policy doesn’t cover the following: :‫يستثنى من تغطية هذه الوثيقة ما يأتي‬
1. The optional insurance coverage in this rules if rejected by .‫التغطيات اختيارية في هذه القواعد في حال رفض المؤمن له لها‬ -1
insured.
2. A Motor Vehicle found to be driven by a person who does
‫إذا ثبت أن قيادة المركبة تمت دون الحصول على رخصة قيادة لنوع‬ -2
not hold a proper class of license corresponding to the type ‫ أو أن تكون الرخصة قد‬،‫المركبة طبقا ل نظمة واللوائح ذات الع قة‬
of vehicle driven; according to the relevant laws and ‫ أو كانت منتهية وقت وقوع‬،‫صدر أمربسحبها من الجهات المختصة‬
regulations, or in the event that an order was issued by a ‫) يوم عمل من‬50( ‫الخطر مالم يتم تجديد الرخصة المنتهية خ ل‬
competent authority for the forfeiture of the Driver’s .‫تاريخ وقوع الخطر‬
license, or if the license was expired at the time of the
accident unless it is renewed Within (50) business days
‫إذا كان التعويض أقل أو مساوي لمبلغ التحمل المذكور في جدول‬ -3
from the date of the accident. .‫الوثيقة‬
3. If the Indemnity was less than or equal to the Deductible ‫وقوع حادث على المركبة في حال قيادتها من قبل شخص بخ ف‬ -4
stated in the Policy Schedule. .‫المؤمن له أو السائق المسمى‬
4. An accident to the Motor Vehicle when driven by a person ‫العيوب المصنعية واضرار المترتبة على استه ك المركبة أو‬ -5
other than the Insured or Named Driver.
5. Manufacturing defects and damage resulting from the use .‫الخلل الميكانيكي أو الكهربائي‬
of the Motor Vehicle or from mechanical or electrical ‫الضرر أو الفقد أو السرقة ل طارات أو الجنوط أوأغطية الجنوط‬ -6
malfunctions. ‫أو المرايا الخارجية إ إذا فقدتها المركبة أو تضررت‬/‫)الطاسات (و‬
6. Damage, loss or theft of tires, rims, hubcaps (wheel covers) .‫في وقت وقوع الخطر المغطى‬
and/or exterior mirrors, unless such loss or damage
occurred thereto at the time of the covered accident.
7. Loss or damage to goods and/or personal belongings while ‫أو المتعلقات الشخصية أثناء تحميلها‬/‫ الخسارة أو الضرر للبضائع و‬-7
being loaded, unloaded or transported in or on the Motor .‫أو تنزيلها أو أثناء نقلها في أو على المركبة‬
Vehicle.
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8. Loss or damage to any trailer, unless stated otherwise in ‫الخسارة أو الضرر ي مقطورة إ إذا أفصح عنها صراحة في‬ -8
the Policy Schedule. .‫جدول الوثيقة‬
9. Loss or damage to the Motor Vehicle as a result of theft or
‫الخسارة أو الضرر للمركبة نتيجة السرقة أوالشروع فيها بسبب ترك‬ -9
attempted theft due to leaving the Motor Vehicle running
or leaving the keys in the Motor Vehicle, or due to not ‫المركبة في وضع التشغيل أو ترك المفاتيح عليها أو عدم إقفال النوافذ‬
rolling up the windows or locking the doors. .‫وابواب‬
10. All additional Motor Vehicle accessories, apart from those ‫ إ إذا كان نوع وقيمة هذه‬،‫جميع الملحقات اضافية في المركبة‬ -10
already fitted by the manufacturer and whose price is ‫ أو أن‬،‫الملحقات قد تم النص عليها صراحة وبالتحديد في الوثيقة‬
already included in the original value of the Motor Vehicle,
.‫تكون الملحقات من المصنع ومشمولة من قيمة المركبة‬
or the type and value of such accessories are explicitly and
specifically stated in the Policy. ‫إذا كانت المركبة مستعملة على وجه يخالف قيود استعمال المبينة‬ -11
11. If the Motor Vehicle is being used in a way that violates the .‫في الوثيقة‬
restrictions of the vehicle use set forth in the Policy. ‫تحميل ركاب بما يتجاوز السعة المصرح بها للمركبة أو زيادة‬ -12
12. The Motor Vehicle carrying passengers beyond its .‫الحمولة على المركبة إذا ثبت حصول الضرر بسبب هذا التجاوز‬
permitted seating capacity or that was overloaded and
‫إذا كانت المركبة مستعملة في أي نوع من أنواع السباقات أو في‬ -13
proven that the accident was caused by such violation.
13. If the Motor Vehicle is used for any type of racing, speed ‫تحديد سرعة انط ق أو في تجربة اختبار القدرة أو السرعة؛‬
trial, or speed or power testing, with the exclusion of the .‫ويستثنى من ذلك المؤمن له اعتباري‬
juristic Insured. ‫إذا كانت المركبة بقيادة أي شخص وهو تحت تأثير المخدرات أو‬ -14
14. If the Motor Vehicle is driven by a person under the ‫المشروبات الكحولية أو العقاقير الطبية التي يسمح طبيا بالقيادة‬
influence of drugs, alcohol, or medicines that affect the
.‫بعد تناولها‬
ability to drive.
15. If the Motor Vehicle is being used as working machinery. .‫إذا كانت المركبة مستعمملة أو مشغلة كآليات عمل‬ -15
16. Car drifting, running a red light or driving against the ‫التفحيط أو تجاوز اشارة الحمراء أو السير بالمركبة عكس اتجاه‬ -16
direction of traffic if it is proven that such violation was the ‫السير إذا ثبت وقوع الخطر بسبب ذلك في تقرير الجهة المختصة‬
cause of the accident according to the report prepared by .‫بمعاينة الحوادث المرورية‬
the competent body attending the accident scene.
17. If the Motor Vehicle is used in areas that are normally off
‫إذا كانت المركبة مستعملة ضمن المناطق التي يسمح عادة للعامة‬ -17
limits to the public, such as airports or seaports. .‫بدخولها مثل المطارات أو الموانئ البحرية‬
18. Any liabilities or costs that are directly or indirectly incurred ‫أي مسؤولية أو مصاريف كانت نتيجة مباشرة أوغير مباشرة‬ -18
due to criminal and hostile acts committed by the Insured ‫ أو‬/‫ل عمال اجرامية والعدائية التيارتكبت بواسطة المؤمن له و‬
and/or the Named Driver. .‫السائق المسمى‬
19. If it is proven in the report prepared by the competent body
attending the accident scene that the accident was caused
‫إذا تعمد المؤمن له أو السائق المسمى الوقوع في الخطر وتم إثبات‬ -19
deliberately by the Insured or the Named Driver. .‫ذلك في تقرير الجهة المختصة بمعاينة الحوادث المرورية‬
20. Any liability or expenses arising, directly or indirectly, from ‫أي مسؤولية أو مصاريف تنشأ نتيجة مباشرة أوغير مباشرة من‬ -20
the following: :‫ا تي‬
‫الحرب أو الغزو أو أعمال العدوان اجنبي أو اعمال العدوانية أو‬ -‫أ‬
a. War, invasion, acts of foreign enemy, hostilities, warlike
acts (whether war is declared or not), or civil war. ‫اعمال شبه الحربية (سواء أعلنت الحرب أم لم تعلن) أو الحرب‬
.‫اهلية‬
b. Rebellion, military or popular uprising, insurgence, ‫التمرد أو انتفاضة العسكرية أو الشعبية أو العصيان أو الثورة أو‬ -‫ب‬
revolution, usurping authority, martial laws, siege, or any ‫السلطة الغاصبة أو احكام العرفية أو حالة الحصار أو أي من احداث‬
events or reasons leading to declaration or continuation of
‫أو اسباب التي تؤدي إلى إع ن أو استمرار احكام العرفية أو حالة‬
martial laws, siege, or acts of vandalism and terrorism
committed by person(s) working individually, on behalf of, ‫الحصار أو أعمال التخريب وارهاب التي يرتكبها شخص أو أشخاص‬
or in relation with any terrorist organization. Terrorism .‫يعملون بصفة منفردة أو نيابة عن أو على صلة بأي منظمة إرهابية‬
means using violence for political, intellectual, ‫ويقصد بارهاب استخدام العنف غراض سياسية أو فكرية أو فلسفية‬
philosophical, racial, ethnic, social, or religious purposes. ‫ ويشمل استخدام العنف‬.‫أو عنصرية أو عرقية أو اجتماعية أو دينية‬
Such use of violence includes putting the public and/or a
‫أو‬/‫ و‬،‫أو شريحة منهم في حالة خوف أو التأثير على‬/‫وضع العامة و‬
segment thereof under a state of terror; causing turmoil;
affecting and/or intervening in any of the government’s ‫أو أنشطة‬/‫أو التدخل في أي عمليات و‬/‫ و‬،‫التسبب في اضطراب‬
operations, activities and/or policies; causing any ‫ أو التسبب في اضطراب يؤثر سلبا على‬،‫أوسياسات خاصة بالحكومة‬
disturbance that negatively affects the national economy or ‫ اضراب أو الشغب أو‬،‫اقتصاد الوطني أوأي من قطاعاته‬
any of its sectors; and/or carrying out or causing strikes, .‫اضطرابات المدنية أو العمالية‬
riots, or civil or labor unrest.
c. Damage directly or indirectly caused by nuclear weapons, ‫ ما ينتج بسبب أو ينشأ عن أو تكون ساهمت فيه اسلحة النووية أو‬-‫ت‬
ionizing radiation, or radioactive contamination resulting ‫اشعاعات ايونية أو التلوث باشعاع من أي وقود أو أية نفايات‬
from any nuclear fuel or waste, or contamination due to ‫ وغراض هذا استثناء فإن‬،‫نووية ناتجة عن احتراق وقود نووي‬
nuclear fuel combustion. For the purposes of this exclusion, .‫احتراق يشمل أي عملية انشطار نووي‬
combustion shall include any nuclear fission.
21. Driving the Motor Vehicle in desert areas and unpaved ‫ قيادة المركبة في المناطق الصحراوية والطرق غيرالمعبدة مالم تكن‬-21
roads unless inside the city. .‫داخل المدينة‬
The Company and the Insured may agree to waive any of the above ‫ويجوز للشركة والمؤمن له اتفاق على أن تكون استثناءات الواردة‬
exclusions, unless deemed to be in conflict with relevant laws . .‫ مالم تكن مخالفة ل نظمة ذات الع قة‬،‫أع ه منفعة إضافية‬
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Claims Settlement for Own Damages ‫تسوية المطالبات الخاصّة باضرار المادية للمركبة‬
The company has the choice to pay the value of damage, to fix or ‫الحق في دفع قيمة التلف أو بإص ح أو استبدال المركبة أو أي جزء منها‬ّ ‫للشركة‬
replace the vehicle, attachments or its parts. The maximum amount ‫أو ملحقاتها أو قطع غيارها بحيث يعادل الحد اقصى للقيمة في حالة الخسارة‬
payable in respect of partial loss shall be equal to the labor cost and
.‫الجزئية قيمة أجرة اليد العاملة وقيمة قطع الغيار‬
the value of spare parts.
Partial Loss: : ‫الهك الجزئي‬
in case of Partial Loss the indemnity shall be to bear the cost of repair ‫يكون التعويض في حالة اله ك الجزئي بتحمل تكاليف اص ح في جهة اص ح‬
at the Repairing Party as specified by the Insured and stated in the
‫ على أن تحدد تكاليف اص ح من قبل‬،‫التي يحددها المؤمن له في جدول الوثيقة‬
Policy Schedule; whereas the repair costs shall be determined by the
competent entity in charge of automobile damage appraisal. .‫الجهات المختصة بتقدير أضرار حوادث المركبات‬
Technical Total Loss: :‫الهك الكلي الفني‬
In case of Technical Total Loss the indemnity shall be the amount of ‫ بعد تقرير الجهة‬،‫يكون التعويض في حالة اله ك الكلي الفني بمبلغ القيمة التأمينية‬
the Sum Insured based on the report of the competent entity in ‫ دون خصم أي مصاريف تكبدتها‬،‫المختصة بتقدير أضرار حوادث المركبات‬
charge of automobile damage appraisal, without deducting any
.‫الشركة‬
expenses incurred by the Company.
Economic Total Loss: ‫الهك الكلي اقتصادي‬
When the Motor Vehicle is considered Economically Total Loss, based ‫يكون التعويض في حالة اله ك الكلي اقتصادي عند تحقق النسبة المتفق عليها‬
on the report of the competent entity in charge of automobile ‫باعتبار المركبة ه ك كلي اقتصادي وفقًا لتقرير الجهة المختصة بتقدير أضرار‬
damage appraisal; the Insured shall be compensated with the ‫ و يعوض المؤمن له بمبلغ القيمة التأمينية دون خصم أي‬،‫حوادث المركبات‬
amount of the Sum Insured, without deducting any expenses
‫كما تلتزم الشركة بإشعار المؤمن له حال عرض‬. ‫مصاريف تكبدتها الشركة‬
incurred by the Company. The Company shall notify the Insured
when offering the Motor Vehicle for sale, and the Company and the ‫ وفي كل احوال يجوز للشركة والمؤمن له اتفاق على آلية تعامل‬،‫المركبة للبيع‬
Insured may agree on a different method to deal with Motor Vehicle .‫مختلفة للمركبة المؤمن عليها في حالة اله ك الكلي اقتصادي‬
when considered an Economic Total Loss.
The Company shall not deduct an amount from the indemnity due to ‫ يجوز للشركة الخصم من قيمة التعويض بسبب استخدام المركبة خ ل الفترة‬
the Insured's use or consumption of the Motor Vehicle during the ‫التي سبقت وقوع الخطر في حات اله ك الجزئي أو اله ك الكلي الفني أو‬
period prior to the risk, in case of Partial or Total Economic / .‫اقتصادي‬
Technical Loss.
Deductible ‫التحمل‬
Application of Deductible: :‫تطبيق مبلغ التحمل‬
A. The Deductible shall be determined by the Insured in .‫ يحدد المؤمن له مبلغ التحمل باتفاق مع الشركة في جدول الوثيقة‬.‫أ‬
agreement with the Company and stated in the Policy ‫ تبدأ مسؤولية الشركة بعد استنفاذ مبلغ التحمل الذي يطبق فقط على الضرر‬.‫ب‬
Schedule. ‫أو الخسارة على المركبة و ينطبق على المطالبات الناتجة عن تغطية المسؤولية‬
B. The Company’s liability shall start after deducting the .‫المدنية تجاه الغير‬
amount of the Deductible, this only applies to damage or
‫ في حال تحمل المؤمن له أو السائق المسمى نسبة جزئية من المسؤولية عن‬.‫ج‬
loss to the Motor Vehicle and shall not apply to claims
‫ فيتم احتساب مبلغ التحمل بالتناسب مع نسبة مسؤولية المؤمن له أو‬،‫وقوع الخطر‬
arising from third-party civil liability coverage.
.‫السائق المسمى عن وقوع الخطر فقط‬
C. If the Insured or the Named Driver is held partially liable for
the accident, the Deductible shall be calculated in ‫ يحتسب مبلغ التحمل في حال عدم تحمل المؤمن له أو السائق المسمى‬.‫د‬
proportion to the percentage of liability assigned to the .‫ حسب تقرير الجهة المباشرة للحادث‬،‫المسؤولية عن وقوع الخطر‬
Insured or the Named Driver regarding the accident only. ‫ يحق للشركة إلزام المؤمن له بدفع مبلغ التحمل في حال عدم وجود طرف‬.‫ه‬
D. The Deductible shall not be charged if the Insured or the ‫آخر للحادث وصاحب ذلك مسؤولية المؤمن له أو السائق المسمى عن وقوع الخطر‬
Named Driver is not held liable for the accident; according ‫بنا ًء على تقرير الجهة المباشرة للحادث أو إقرار المؤمن له أو السائق المسمى‬
to the report of the competent body attending the accident .‫بمسؤوليته عن الخطر‬
scene. ‫ يطبق مبلغ التحمل كثر من مرة عند وقوع خطر مغطى بموجب الوثيقة‬.‫و‬
E. The Company may obligate the Insured to pay the .‫وإن تعددت المطالبات‬
Deductible If there is no other party to the accident and the ‫ و يجوز للشركة طلب‬،‫ يكون مبلغ التحمل ثابت خ ل فترة سريان الوثيقة‬.‫ز‬
Insured or the Named Driver held responsible for the .‫مبلغ تحمل مختلف وفقًا لنوع الخطر أو قيمة التعويض‬
accident; based on the report of the competent body
attending the accident scene, or The acknowledgement of
the Insured or the Named Driver of the liability for the
accident
Right of Recourse ‫حق الرجوع‬
Company’s Right to Recourse Against Any Person Who is ‫حق الشركة في الرجوع على المتسبب في الحادث‬
Responsible for an Accident
‫إذا سددت الشركة أي مبالغ الى أي طرف مقابل أي مطالبات وبعد ذلك وجدت أن‬
If the company paid any amount for any party against any claim/s and
afterwards found that the claim arises out of an exclusion under ‫المطالبة قد نشأت عن استثناء وفقا ً للمادة الموضحة في التغطية المستثناة بموجب‬
scope of coverage or excluded cover by this policy or if there has been ‫هذه الوثيقة أو إذا ظهر احتيال أو خداع أو تزييف أو تزوير؛ فإنه يحق للشركة أن‬
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fraud, deception, forgery or falsification, then the company has the ‫ كما يحق لها الرجوع على‬، ‫تطلب من المؤمن له رد كل المبلغ الذي ت ّم دفعه‬
right to charge the amount which was paid earlier. Also the company ‫المتسبب في أي حادث في حال السرقة أو الشروع في سرقة المركبة المغطاة أو‬
has the right to charge the Insured in case of theft or any attempt to,
.‫قيادتها من قبل أي شخص غير مصرح له من قبل المؤمن له‬
or the vehicle being driven by person not included in the list of named
drivers.
Section B: Third Party Liability Coverage ‫القسم (ب) التغطية التأمينية تجاه الغير‬
Whereas the insured has submitted to the insurer an insurance ‫سا لهذه الوثيقة ودفع‬ً ‫حيث إن المؤ من له قد تقدم الى الشركة بطلب تأمين يُعد أسا‬
proposal form, which is considered the basis for this Policy, and has
‫ فإنها تلتزم إذا وقع‬,‫ وقبلت الشركة هذا الطلب‬,‫(أو تعهد بدفع) القسط المطلوب منه‬
paid (or has undertaken to pay) the required premium and the
insurer has accepted this proposal, the insurer shall, in the event of ‫ضررا ناتجا ً عن خطر غير‬ً ‫حادث داخل أراضي المملكة العربية السعودية وألحق‬
an accident occurring within the borders of Saudi Arabia and causing ‫مستثنى في الوثيقة وضمن حدود احكام والشروط الوارد بها بتعويض الغير عن‬
damages not excluded under the Policy and within the terms and :‫المبالغ جميعها التي يُلزم المؤ من له أو السائق أو المتسبب بالحادث بدفعها لقاء‬
conditions set forth in the Policy, indemnify the third party for all the
amounts that the insured, driver or the person responsible for the
accident is committed to pay for.
a. Physical damages inflicted on third party inside or outside . ‫أ) اضرار الجسدية التي تلحق بالغير داخل المركبة أو خارجها‬
the vehicle. .‫ب) اضرار المادية التي تلحق بالغير خارج المركبة‬
b. Material damages outside the vehicle. .‫ج) المصاريف‬
c. Expenses. ‫حدود التغطية‬
Limits
‫في حال وقوع حادث يترتب عليه إلزام المؤمن له بتعويض الغير وفقا ً حكام هذه‬
In the event of an accident resulting in the payment of indemnity in
accordance with the provisions of this policy, the maximum limit of ‫الوثيقة؛ فإن الحد اقصى ل لتزام بالتغطية عن الحادثة الواحدة خ ل فترة سريان‬
the company's liability for one event for both physical damage ‫وثيقة التأمين بالنسبة ل ضرار الجسدية (بما في ذلك الديات والمبالغ المقدرة عن‬
(including blood money, bodily injuries damages and medical ً ‫اصابات والمصاريف الطبية) واضرار المادية معا َ لن تتجاوز مبلغا ً إجماليا‬
expenses) and material damages, shall not exceed together a total ‫قدره (عشرة م يين سعودي) كح ّد أقصى للتغطية التأمينية بموجب هذه‬
sum of SAR 10,000,000 (Ten Million Saudi Riyals) as a coverage
liability limit, according to the insurance coverage of this policy.
Cases in which the company is not allowed to disclaim liabilities ‫حات عدم تنازل الشركة عن التزاماتها‬
towards third party ّ
‫يحق للشركة أن تتمسك تجاه الغير‬ ‫مع مراعاة بند استثناءات من هذه الوثيقة‬
Taking in to consideration the exclusions, the company may not ‫بعدم نشوء حق له بالتعويض بموجب هذه الوثيقة بسبب ارتكاب المؤمن له أو‬
disclaim liability for indemnity under this policy towards the third
party because the insured, driver or the person causing the accident
‫السائق أو المتسبب في الحادث أي مخالفة سواء أكانت المخالفة قبل الحادث أو بعده‬
has committed any violation. Whether the violation occurred before ‫أو كانت بسبب عدم التزامه بما ورد في هذه الوثيقة مع عدم اخ ل بحق الشركة‬
or after the accident, or because of the insured’s, the driver’s or the ‫بالرجوع على المؤمن له أو السائق أو المتسبب في الحادث بعد الدفع للغير بكافة‬
person that is causing the accident, noncompliance with what is .‫الطرق النظامية إن كان للرجوع ما يبرره‬
stated in this policy, without prejudice to the company’s right of
recovery from the insured or the driver after indemnifying the third
party if the recourse is justified.
‫الحات التي تقوم فيها الشركة بتغطية الطرف الثالث مع احتفاظها بحق الرجوع‬
Cases in which the company is obliged to indemnify the third party ‫على المؤمن له أو المتسبب في الحادث‬
while reserving the right of recourse against the insured, the driver ‫ حق الرجوع على المؤمن له أو السائق أو الشخص‬-‫بعد دفع المطالبة‬-‫شركة‬ ‫لل‬
or the person causing the accident :‫المتسبّب في الحادث سترداد ما دفعته للغير عن أي من الحات ا تية‬
The company has the right of recovery from the insured, the driver
or the person causing the accident to recover the amount it had paid ‫ أي مسؤولية أو تعويضات أو نفقات تنشأ أو تترتب عندما تكون المركبة‬.1
to the third party in any of the following cases: :‫المؤمن عليها‬
1. Any liability or expenses arising / occurring where the insured .‫أ) قد استخدمت بما يخالف القيود المحددة في جدول الوثيقة‬
vehicle is: ‫ وثبت أن‬،‫ب) تجاوزت حمولتها من الركاب العدد المصرح به للمركبة‬
a. Used in contravention of restrictions set forth in the policy
.‫حصول الحادث كان بسبب هذا التجاوز‬
schedule.
b. Carrying passengers beyond the capacity authorized for the ‫سرعة‬ ُ ‫ أو في تحديد‬،‫ي نوع من أنواع ال ّسباقات‬ ّ ‫ج) استخدمت في أ‬
vehicle, and it has been proved that the accident occurred ‫ أو في تجربة اختبار القُدرة أو استخدمت في الطرق غير‬،‫انط ق‬
because of this violation. .‫المعبدة‬
c. Used for rallying, racing, reliability trials, drifting, speed ‫ أو‬،‫ أو المسكرات‬،‫د) تمت قيادتها من أي شخص تحت تأثير المخدرات‬
testing and off-roading.
.‫العقاقير الطبية التي يسمح طبيا بالقيادة بعد تناولها‬
d. Driven by a person under the influence of drugs, alcohol or
medicines that are not allow to be driving after taken it. ‫) عاما ً هجريا ما لم‬18( ‫ه) تمت قيادتها من أي شخص يقل عمره عن‬
e. Driven by any person under the age of 18 (Hijri years) unless ‫ينص على اسمه ضمن أسماء السائقين‬ ّ ‫يكن هو المؤ من له وما لم‬
insured or among the names of named drivers whose age is .‫) سنة‬18( ‫المسميين في جدول الوثيقة بأنهم تقل أعمارهم عن‬
less than 18 (Hijri years) under the policy schedule. ‫و) إذا كانت المركبة مسروقة أو مأخوذة غصبا ً وعنوة؛ فإن للشركة حق‬
f. If the vehicle is stolen or taken by compulsion, the company
‫الرجوع على المتسبب في الحادث أو المؤ من له في حال لم يخطر‬
shall have the right to recourse against the person who
caused the accident or the insured, if he does not notify the .‫الجهات المختصة عن السرقة سترداد ما دفعته للطرف الثالث‬
competent authorities of the theft, so that it can recover ‫أن المركبة ت ّمت قيادتها دون الحصول على رخصة قيادة‬ ّ ‫ز) إذا ثبت‬
what is paid to the third party. ‫ أو أن تكون‬،‫لنوع المركبة طبقا ً ل نظمة واللوائح ذات الع قة‬
‫ أو كانت منتهية‬،‫أمر بسحبها من الجهات المختصة‬ ٌ ‫الرخصة قد صدر‬
7|Page
g. Driven without obtaining a driving license for the vehicle ‫) يوم عمل من‬50( ‫وقت الحادث ما لم يجدد الرخصة المنتهية خ ل‬
type according to the relevant laws and regulations, has .‫تاريخ الحادث‬
issued an order to withdrawn by the concerned authorities,
‫ أو أخفى حقائق أو وقائع‬،‫إذا ثبت أن المؤمن له أدلى ببيانات غير صحيحة‬ .2
or has expired at the time of the accident unless the expired
license is renewed within fifty (50) working days from the ‫جوهرية في نموذج طلب التأمين يمكن أن تؤثر على قبول الشركة تغطية‬
date of accident. .‫ أو قسط التأمين أو شروطه‬،‫الخطر‬
2. If it is proven that the insured has made false representations or ً.‫إذا ثبت أن المؤمن عليه أو السائق قد تسبب في الحادث عن عمدا‬ .3
concealed substantial facts in the insurance proposal form in ‫عدم إب غ المؤمن له الشركة كتابيا خ ل عشرة أيام عمل عن أي تغيير‬ .4
such a way as to affect the company acceptance of risk coverage,
.‫جوهري في بياناته المحددة في نموذج طلب التأمين‬
the insurance contribution or its terms and conditions.
3. If it is proven that the insured or the driver has deliberately .‫هروب المؤمن له أو سائق المركبة من موقع الحادث دون عذر مقبول‬ .5
caused the accident. ‫إقرار المؤمن له أو السائق بتحمل مسؤولية الحادث دون وجه حق بقصد‬ .6
4. Failure on the part of the insured to notify the company in .‫اضرار بالشركة‬
writing within twenty (20) working days, of any material change .‫تجاوز المشترك المؤمن له أو السائق اشارة الحمراء إشارة التوقف‬ .7
to his disclosures in the insurance proposal form.
.‫قيادة المركبة عكس السير‬ .8
5. The Insured’s or the driver’s escape from the scene of the
accident for no acceptable reason. ‫عدم إب غ المؤمن له للشركة خ ل عشرين يوم عمل عن أي تغيير‬ .9
6. The Insured's or the driver’s acknowledgement that the driver is ‫صرح به في نموذج طلب التأمين مع مراعاة ما ذكر في بند‬ ّ ‫جوهري‬
completely responsible for the accident with all fault lie on him, .‫اخطارات واشعارات‬
aiming to cause losses to the company.
7. Crossing the traffic red light by the insured or driver.
8. Driving the vehicle in the opposite direction of the traffic.
9. Failure on part of the insured, to notify the company within
twenty (20) working days of any material changes to their
disclosures in the insurance proposal form, with consideration
of Statements & Notifications. ‫على الشركة إخطار المؤمن له خ ل عشرين يوم عمل من تاريخ تقديم المطالبة‬
The company must notify the insured within twenty (20) working
days from the date of the claim submitting to where the above
‫ علما ً بأن أقصى مدة يحق للشركة أن‬.‫التي تنطبق عليها إحدى حات الرجوع‬
recovery cases may apply. The company shall also exercise the right .‫الرجوع هي سنة من تاريخ تسوية المطالبة‬
ّ ‫حق‬ّ ‫تمارس فيها‬
of recovery within a year from the date of the claim settlement.
Section C: Optional Covers ‫القسم (ج) تغطيات إضافية اختيارية‬
Personal Accident ‫الحوادث الشخصية‬

if the Insured chooses to include death and physical injuries
and medical expenses for the Insured or the Named Driver ‫في حال اختيار المؤمن له تغطية الوفاة واصابة الجسدية والمصاريف الطبية له‬
coverage, the Company shall compensate in accordance ‫ تلتزم الشركة بالتعويض وفقأ لجدول المنافع المبين في جدول‬،‫أو السائق المسمى‬
with the table of benefits stated in the Policy Schedule. ‫الوثيقة‬
Amount ‫المبلغ‬
# Type of Cover ‫نوع التغطية‬ #
(in SAR) ‫بال السعودي‬
1 Accidental death. 100,000 100,000 .‫الوفاة العرضية‬ 1
Permanent disablement from attending any ‫العجز الدائم الكلي أو الجزئي الذي يفقد المؤمن له‬
2 employment or occupation whatsoever, based 100,000 100,000 ‫ أو وظيفة‬,‫بسببه القدرة على ممارسة أداء أي عمل‬ 2
on an authorized medical report. .‫أو مهنة بموجب تقرير لجنة طبية معتمدة‬
Total loss by physical severance at or above the
3 100,000 ‫بتر اليدين من منطقة الرسغ أو بتر القدمين من‬
wrist or ankle of both hands or both feet. 100,000 3
.‫الكاحل‬
Total loss by physical severance at or above the
4 50,000 ‫بتر يد واحدة من منطقة الرسغ أو قدم واحدة من‬
wrist or ankle of one hand or one foot. 50,000 4
.‫الكاحل‬
5 Permanent total loss of sight in both eyes. 100,000
6 Permanent total loss of sight in one eye. 50,000 100,000 .‫فقدان تام ودائم للبصر في ك العينين‬ 5
Expense incurred in respect of medical and 50,000 .‫فقدان تام ودائم للبصر في عين واحدة‬ 6
7 25,000
surgical treatment. 25,000 .‫نفقات الع ج الطبي والجراحي المتكبدة‬ 7
Roadside Assistance ‫خدمة المساعدة على الطريق‬

This coverage applies to the insured vehicle while it is being driven by ‫تطبّق هذه التغطية على المركبة المؤمن عليها عند قيادتها من قبل المؤمن له أو‬
the insured or his Named driver and will be applicable only when ‫ وتطبّق فقط في حال استعانة بمزود خدمة المساعدة على الطريق‬،‫السائق المسمى‬
using the roadside assistance provider appointed by the company.
.‫المعتمد من قبل الشركة‬
The insurance schedule and riders will include the description and
limits of the coverage. ‫وسوف يتضمن جدول الوثيقة حدود ووصف هذه التغطية اضافية بشكل دقيق في‬
.‫حال تم اختيارها من قبل المؤمن له‬
8|Page
‫توسيع النطاق الجغرافي للتغطية‬
Geographical Extension
Accidents occurring outside the territory of the Kingdom of Saudi ‫الحوادث التي تقع خارج الحدود اقليمية للمملكة العربية السعودية وفقأ لجدول‬
Arabia accordance with the table of benefits stated in the Policy .‫المنافع المبين في جدول الوثيقة‬
Schedule
Replacement of motor vehicle ‫المركبة البديلة‬

In case the coverage of compensating the Insured for renting a Motor ‫ يجب عليه‬،‫في حال اختيار المؤمن له تغطية التعويض عن استئجار مركبة بديلة‬
Vehicle Replacement is added, the Insured must obtain the
‫الحصول على موافقة الشركة المسبقة قبل استئجار ويتم تعويض المؤمن له عن‬
Company’s prior approval for renting the car, and shall provide a
proof of renting a Motor Vehicle Replacement for the period agreed ‫استئجار المركبة بديلة بعد أن يقدم المؤمن له ما يثبت استئجاره للمركبة للمدة‬
upon on the Policy Schedule. The indemnity shall be in accordance ‫ ويكون التعويض وفقًا للحد اعلى لمبلغ ايجار‬،‫المتفق عليها في جدول الوثيقة‬
with the maximum indemnity value stated in the Policy Schedule, and ‫اليومي المتفق عليه في جدول الوثيقة على أن تكون فترة لتعويض من تاريخ تسليم‬
the indemnity period shall start from the date of delivering the Motor ..‫المركبة لجهة اص ح‬
Vehicle to the Repairing Party.
The driver related to the Insured, such as (parents, spouse, sons, ،‫ ابن‬،‫ الزوجة‬،‫ الزوج‬،‫ام‬، ‫تغطية السائق ذو صلة قرابة بالمؤمن له )اب‬
daughters, brother and sister) or the Insured’s domestic worker or ‫ أو يعمل لدى‬،‫ اخت( أو السائق الذي يكون تحت كفالة المؤمن له‬،‫ اخ‬،‫ابنة‬
someone who work for the Insured based on a labor law.
.‫المؤمن له بموجب عقد عمل‬
General Exclusions ‫استثناءات العامة‬
This policy does not cover the following: :‫ تغطي هذه الوثيقة ما يأتي‬
a. Any loss or damage that may take place to the covered vehicle
‫أ) أي خسارة أو ضرر يلحق بالمركبة المؤمن عليها بموجب هذه الوثيقة‬
according to the policy while it is outside the geographical
region shown in the schedule which may lead to official ‫خارج النطاق الجغرافي المحدد في الجدول أي التزام نظامي بدفع‬
commitment to pay compensation for the others or any ‫ ما لم يذكر خ ف ذلك‬،‫تعويض للغير أو أي تكلفة ناجمة عن الحادث‬
consequent cost, unless otherwise expressly stated in the policy. .‫صراحة في جدول الوثيقة‬
b. Any liability that attaches by virtue of an agreement but which ‫ب) أي التزام بالتغطية ينشأ عن اتفاق خارج نطاق هذه الوثيقة أو في حال‬
would not have attached in the absence of such agreement.
‫فقد ان نص صريح في الوثيقة يخوله بإبرام ذلك اتفاق الذي لوه لم‬
c. Any liability or expenses directly or indirectly caused by or
arising from or contributed by nuclear weapons material, .ً ‫يكن هذا التزام بالتغطية موجودا‬
ionizing radiations or contamination by radioactivity from any ‫ج) أي التزام أو نفقات تنتج عن أو تنشأ بشكل مباشر أو غير مباشر من‬
nuclear fuel or from any nuclear waste from the combustion of ‫ أو التلوث الناتج عن نشاط‬،‫ أو اشعاع المتأين‬،‫مواد اسلحة النووية‬
nuclear fuel (for the purpose of this exclusion combustion shall ‫إشعاعي من أي وقود نووي أو أي نفايات نووية ناجمة عن احتراق‬
include any self-sustaining process of nuclear fission).
‫ عملية‬:‫ وغراض هذا استثناء؛ فإن احتراق يشمل‬.‫وقود نووي‬
d. Fines, guarantees, penalties, bonds imposed on the insured or
the driver due to the accident. .‫انشطار النووي الذاتي‬
e. The loss or damage that take place to goods or personal luggage ‫د) الغرامات والضمانات والجزاءات التي تفرض على المؤمن له أو‬
while being carried or uploaded or transported in/or on the .‫السائق نتيجة للحادث‬
vehicle unless it is mentioned explicitly in the policy or its ‫ه) الخسارة أو الضرر الذي يلحق بالبضائع أو امتعة الشخصية أثناء‬
attachments along with clarifying how much it covers besides
‫حملها أو نقلها في أو على المركبة ما لم تُذكر صراحة في الوثيقة أو‬
the participant’s payment of an additional share to list it in the
covering of the policy. ‫ وقيام المؤمن له بدفع اشتراك‬،‫في م حقها مع بيان حدود التغطية‬
.‫ي عنها دراجها في تغطية الوثيقة‬ ّ ‫إضاف‬
General Provisions ‫احكام العامة‬
Commitment: ‫التزام‬
In order to cover any claim for payments under this policy, it is
:‫يعد شرطا ً أساسيا ً لتغطية هذه الوثيقة ي مطالبة ما يأتي‬
fundamental condition that:
a. The Insured shall completely fulfill what is stated by the terms ‫أ) أن يفي المؤمن له وفاء كام بالتزاماته بموجب شروط هذه الوثيقة‬
of this policy to be done or not. .‫وأحكامها وم حقها من القيام بعمل أو امتناع عنه‬
b. The ultimate correctness of all data and acknowledgements ‫ب) صحة جميع البيانات واقرارات الصادرة عن المؤمن له في هذه الوثيقة‬
made by the Insured in this policy signed by him or his .‫الموقعة من قبله أو ممن ينوب عنه‬
representative.
‫ج) يلتزم المؤمن له بإشعار الشركة كتابيا خ ل عشرة أيام عمل عن أي‬
c. The Insured shall notify the company in writing, about any
substantial change than stated in the proposal form within a ‫ ويجب على الشركة‬،‫تغيير جوهري صرح به في نموذج طلب التأمين‬
period of ten (10) working days. However, The Company shall in ‫إشعار المؤمن له خ ل ث ثة أيام عمل تبدأ من تاريخ تلقيها اشعار‬
return within a period of three (3) working days thereof, notify ‫ وفي‬،‫المذكور في حال رفض تغطية المؤمن له بموجب هذه التغطية‬
the Insured in writing in case it refused to cover the Insured
9|Page
under this policy. If the Insured did not abide by this, his claim ‫ فإن ذلك سوف يؤدي‬:‫حال عدم التزام المؤمن له بما جاء في هذه المادة‬
for coverage shall be terminated. ‫إلى سقوط حقه في المطالبة بالتغطية‬
Insured Rights Abatement ‫حات سقوط حق المؤمن له في المطالبة بالتغطية‬

a. If the Insured apply any false, claim or any claim aiming for
‫ أو‬،‫ أو مطالبة بقصد احتيال‬،‫أ) اذا قدم المؤمن له أي مطالبة مزيفة‬
fraudulence or tried to obtain any of the benefits provided by
‫حاول الحصول على أي من المزايا أو المنافع المنصوص عليها في‬
this policy through dishonest or fraudulent ways - of any kind -
then the cover provided for this policy will be cancel. In this case,
‫ أو احتيالية – أيا ً كان نوعها؛‬،‫هذه الوثيقة من خ ل وسائل غير أمينة‬
all the paid shares by the Insured over the period of the start ‫ وفي هذه الحال‬،‫فإن التغطية المنصوص عليها في هذه الوثيقة تُع ّد ملغاة‬
date of this policy till the discovery of manipulation and ‫فإن كل اقساط المدفوعة من قبل المؤمن له طوال الفترة من تاريخ‬
deception will be non-refundable. ‫سريان هذه الوثيقة وحتى تاريخ اكتشاف الت عب والخداع من قبل‬
.‫الشركة لن تكون قابلةً للرد‬
b. If the Insured or his representative received an order or an ً ً
‫ب) إذا استلم المؤمن له أو من ينوب عنه أمرا أو تفويضا من الشركة‬
authorization from the company to fix the damages of his ‫بإص ح اضرار التي لحقت بمركبته ولكنه لم يقم بإص حها خ ل‬
vehicle but he did not fix it within a year after receiving it. .‫سنة من تاريخ است مه للتفويض‬
If the Insured or his representative reported to the company about
‫تعرضت له‬ ّ ‫إذا قام المؤمن له أو من ينوب عنه بإب غ الشركة عن أي حادث‬
any accident to his vehicle, then he stopped checking with the
company within a year since he reported this. .‫مركبته ثم انقطع عن مراجعة الشركة عاما ً كام ً من تاريخ اب غ‬
Laws and Regulations Amendment ‫تغيير انظمة أو اللوائح‬

In the event that laws, regulations or customs were partially or
‫ شام ً على‬- ‫في حال حصول أي تغييرات في انظمة أو اللوائح أو الجمارك‬
completely amended, the company is entitled to modify this policy
to the extent needed to meet this amendment after notifying the ‫ على اقساط‬-‫ فرض أي شكل للضرائب أيا كان نوعها‬:‫سبيل المثال وليس الحصر‬
Insured with this policy modification. The amendments, hereof, ‫المتعلقة بالوثيقة والتي من شأنها أن تؤثر سلبا ً على قدرة الشركة في ادارة والتنفيذ‬
include, but not limited to, levying any kind of taxes on contributions, ‫بموجب هذه الوثيقة؛ فإنه يحق للشركة تعديل الوثيقة إلى أي حد تتطلبه تلك‬
amounts pertaining to this policy, which shall affect badly the ability ّ ً ‫ علما‬،‫التغييرات بعد إخطار المؤمن له بهذا التعديل‬
‫بأن الوثيقة تكون سارية المفعول‬
of the company in the management and execution of this policy.
‫ وخ ل هذه المدة‬، ‫) ث ثين يوما ً من تاريخ إخطار المؤمن له‬30( ‫حتى انتهاء مدة‬
Furthermore, the policy shall be deemed valid only within a 30-day
term from the notification date, unless the Insured is willing to cancel ‫ ويُع ّد عدم إلغاء الوثيقة أثناء تلك المدة موافقة ضمنية من‬،‫يمكن للمشترك إلغاؤها‬
it within the said term. If the Insured, however, did not cancel the .‫المؤمن له على كل التعدي ت أو أي منها‬
policy within the said period, it would be considered an implied
approval from the Insured about all modifications or any of them.
Statements & Notifications ‫ا خطارات وا شعارات‬

Any statement, information or notification which has to be sent in ً
‫أي إخطارات أو إشعارات أو معلومات يتعين إرسالها وفقا لهذه الوثيقة يجب أن‬
accordance with this policy, it shall be addressed in writing to both
parties’ addresses stated in this policy. .‫توجه كتابيا ً وعلى عنوان الطرفين المبين في الوثيقة‬
The Insured shall give notice in writing to the company of any ‫) عشرة أيام عمل بأي‬10( ‫خطيا للشركة خ ل‬ ّ ً ‫ويجب أن يقدّم المؤمن له إشعارا‬
modification made to the vehicle, within ten (10) working days, of ‫تعدي ت تت ّم على المركبة ويمكن أن تؤثر بشكل جوهري في تقدير الشركة في‬
such modification which might materially affect the judgment of the ‫ أو قبوله بشروط إضافية مع دفع قسط اشتراك‬،‫ا لبت في قبول الخطر أو رفضه‬
company in deciding whether to accept the risk or not, and if decided
‫ وسوف تنتهي التغطية التأمينية ابتدا ًء من تاريخ حصول تلك التعدي ت ما‬.‫إضافي‬
to accept it may affect the terms on which it will do so or contribution
payable. This insurance shall cease from the date of such ‫ وتلتزم‬،‫لم يحصل المؤمن له على موافقة خطية من الشركة على هذا التعديل‬
modification unless the Insured obtains agreement of the company ‫الشركة برد الجزء النسبي من مبلغ اقساط المدفوع على أساس المدة المتبقية من‬
in writing. The company is obliged to process a pro-rata refund of the .‫التأمين‬
paid subscription amount, based on the remaining insurance period.
Jurisdiction and Applicable Law

This policy and any dispute or controversy arising out of or in ‫اختصاص القضائي والنظام الواجب التطبيق‬
connection with it is subject to the laws and regulations applicable ‫يخضع أي نزاع ينشأ عن هذه الوثيقة ل نظمة واللوائح المعمول بها في المملكة‬
in the Kingdom of Saudi Arabia, and it shall be settled by the ‫ وتختص بالفصل فيه لجان الفصل في المنازعات والمخالفات‬،‫العربية السعودية‬
committees for settlement of insurance” Dispute and violation ‫) من نظام مراقبة شركات التأمين‬20( ‫التأمينية المنصوص عليها في المادة رقم‬
Resolution Committee “set forth under article (20) of Cooperative
.‫هـ‬1424/6/2 ‫) وتاريخ‬32/‫التعاوني الصادر بالمرسوم الملكي رقم (م‬
Insurance Companies Control Law issued by the royal decree no.
(32/m) dated 2/6/1424.
All claims arising out under this policy shall be forfeited after the ‫) سنوات على حدوث‬5( ‫تُسمع أي دعوى ناشئة عن هذه الوثيقة بعد انقضاء‬
expiration five (5) years after the occurrence of the incident, which ‫الواقعة التي نشأت عنها الدعوى وعلم ذوي المصلحة بحدوثها ما لم يكن هناك‬
resulted from, or known by the people of interest, of its happening, .‫عذر تقتنع به لجان الفصل في المنازعات والمخالفات التأمينية‬
unless there is a convincing reason for such delay.
Company Written Approvals ‫شرط الموافقات الكتابية من الشركة‬

10 | P a g e
The Insured, or his representative, is not entitled to acknowledge, ‫ يحق للمشترك أو من ينوب عنه أن يُق ر أو يَ ْعرض أو يَعد أو يدفع أي مبلغ‬
offer, promise or pay any amount of money without the written .‫ي طرف من دون الموافقة الكتابية للشركة‬ ّ ‫مالي‬
approval of the company.
Subrogation ‫الحلول في الحق‬

The company is entitled to defend or compromise any claim on ‫ مباشرة الدفاع بالنيابة عن المؤمن له‬- ‫يحق للشركة أن تتولى – متى رغبت‬
behalf of the Insured, and it shall be entitled as well to claim for all
‫وتسوية أي مطالبة ويكون لها حق الم حقة بالنيابة عن المؤمن له ولمصلحة‬
amounts which cover damages, losses, accidents, liabilities and so on.
The company also has the ultimate discretion to render any claim, ‫الشركة بشأن جميع التغطيات عن الحوادث واضرار والمسؤوليات ونحوها‬
compromise or coverage, the Insured, hereby, shall provide help and ‫ويكون لها مطلق الحرية في مباشرة أي دعوى أو تسوية أو تغطية وعلى المؤمن‬
data required form him by the company. .‫له تقديم المساعدة والبيانات التي تطلبها الشركة منه‬
Company Rights to Legal Proceedings ‫حقوق الشركة في الدعاوي القانونية‬

This policy shall not cover any amounts that results from any claim or
‫ تغطي هذه الوثيقة المبالغ الناتجة عن أي مطالبة أو مجموعة مطالبات ناشئة عن‬
claims arising from an accident in accordance with Section B, set
forth in this policy, after paying the whole coverage amount which is ‫حادث بمقتضى القسم (ب) من هذه الوثيقة بعد دفع كامل مبلغ التغطية المستحق‬
due under this article. Moreover, the company shall cease by then to ‫ أو‬،‫ أو تسوية‬،‫ وتكف الشركة عندها عن مباشرة أي دفاع‬،‫بمقتضى هذه المادة‬
render any defense, compromise or lawsuits; and the policy, hereby, ‫كما تغطي هذه الوثيقة أي ضرر يدّعى المؤمن له أنه قد وقع له نتيجة‬.‫مقاضاة‬
is not entitled to cover expenses and charges of any kind which is ،‫ أو ما أغفلته من أمور الدفاع والتسوية والمقاضاة‬،‫لما قامت به الشركة من أعمال‬
assumed by the Insured, or any claims for coverage or any other party
‫ كما‬،‫و تكون الشركة كذلك مسؤولة عما يترتب من أضرار نتيجة كفّها عن ذلك‬
after ceasing to render such issues by the company.
‫ والتي يتكبدها‬- ‫ مهما كان نوعها‬- ‫ والمصاريف‬،‫ تغطي هذه الوثيقة النفقات‬
‫كف الشركة عن مباشرة‬ ّ ‫المؤمن له أو أي مطالبات بالتغطية أو أي شخص آخر بعد‬
.‫تلك امور‬
Company Rights to Relinquish Proceedings

‫حقّ الشركة في الترافع في الدعاوى القانونية‬
By choice, the company is entitled to:
1. Represent the Insured at any investigation or interrogation that :‫يحق للشركة وحسب اختيارها‬
takes place pertaining to any claim under policy coverage. ‫ أن تتولى تمثيل المؤمن له في أي تحقيق أو استجواب يتعلق بأي مطالبة‬.1
2. Undertake defence proceedings for defending the insured or .‫مشمولة بالتغطية بموجب هذه الوثيقة‬
the driver before any judicial body against any allegation or ‫ أن تتولى إجراءات الدفاع عن المؤمن له أو السائق المسمى أمام أي جهة‬.2
accusation related to an accident subject of indemnity under
.‫قضائية عن أي اتهام أو ادعاء له بأي حادث بموجب هذه الوثيقة‬
this policy.
Cancellation ‫ا لغاء‬
:‫ إلغاء وثيقة التأمين وفقًا للحات التالية‬-1
1- Cancellation of the insurance policy according to the following
cases: ‫ وجود وثيقة تأمين سارية للمسؤولية المدنية ضدالغير أو وثيقة تأمين‬.‫أ‬
a) Existence of a valid third-party liability insurance policy or a .‫شامل‬
Comprehensive Insurance Policy. ‫ إسقاط سجل المركبة‬.‫ب‬
b) Cancellation of the Motor Vehicle’s registration. .‫ انتقال ملكية المركبة إلى مالك آخر‬.‫ت‬
c) Transfer of ownership of the Motor Vehicle to another owner.
‫ تلتزم الشركة بإعادة المبلغ المستحق عن المدة غير المنقضية من الوثيقة إلى‬-2
2- The Company shall refund to the Insured the due amount by
crediting the amount to the Insured’s bank account via IBAN, within ‫المؤمن له من خال إيداع المتبقي من القسط التأميني في الحساب البنكي‬
three Business days from the date on which the Company become ‫ وذلك خال ث ثة أيام عمل من تاريخ‬،(‫الخاص به عن طريق رقم (ا يبان‬
aware of the occurrence of any of the cases mentioned above. .‫علم الشركة بحدوث أي من الحات المذكورة أعاه‬
‫ يحتسب المبلغ المستحق إعادته للمؤمن له عن المدة غير المنقضية من فترة‬-3
3- The return premium payable to the Insured is calculated by
‫التغطية التأمينية من خال طرح ايام المنقضية من أيام التغطية التأمينية كاملة‬
subtracting the elapsed days from the total Policy’s term (in days) and
then dividing the result by the total Policy’s term (in days). The result ‫ثم قسمة الناتج على عدد أيام التغطية التأمينية كاملة وضرب الناتج بالقسط‬
is then multiplied by the insurance premium less commission, and ‫ كحد‬30 ‫التأميني مخصو ًما منه مبلغ العمولة والرسوم ادارية) مبلغ‬
administrative fees (a maximum of SAR 30) in order to determine the ‫أقصى (ويكون الناتج هو القسط المتبقي ويطرح منه قيمة المطالبات – المبلغ‬
return premium payable to the Insured minus the value of claims. :‫ لتكون كا تي‬،)‫الذي يعاد للمؤمن له‬
To be as shown below:
(365 − Elapsed Days) /365 × (Insurance Premium - Commission - ‫* (القسط – العمولة – خصم الرسوم‬365 / )‫ يام المستهلكة‬- 365(
Administrative Fees (a maximum of SAR 30) - value of claim) = .‫ قيمة المطالبة) = القسط المتبقي‬- )‫ كحد أقصى‬30 ‫ا دارية (مبلغ‬
Refund Premium. ‫يستثنى من إلزام الشركة دفع القسط المتبقي في حال وجود مطالبة متعلقة بالوثيقة‬
The Company is exempted from its obligation to pay the return ‫ تزيد قيمتها عن قيمة المبلغ المفترض إعادته‬- ‫المراد الغائها وعلى ذات المركبة‬
premium in case of a claim — related to the Policy to be cancelled ‫ وبالرغم مما تقدم تظل الشركة والمؤ من له والسائق‬. ‫وفق طريقة الحساب أع ه‬
and the Motor Vehicle— with a value exceeds the amount to be .‫المسمى ملتزمين بأحكام الوثيقة بشأن التزامات الناشئة قبل إلغائها‬
refunded as per the calculation formula mentioned above.
11 | P a g e
Notwithstanding the foregoing, the Company, Insured and Named
Driver shall remain bound by the provisions of the Policy with respect
to the obligations arising prior to its cancellation.
Policy Considerations ‫قواعد تفسير الوثيقة‬

a. This policy, schedule, general terms, specific terms,
‫أ) هذه الوثيقة والجدول والشروط العامة والشروط الخاصة والضمانات‬
sureties, exceptions and attachments shall all be defined as
policy articles and it shall be read and explained as a single ‫ تُعرف جميعها باسم مواد الوثيقة وتقرأ كعقد‬،‫واستثناءات وكافة المرفقات‬
agreement. Any word or term, herein, which is given a ‫ سوف يحمل‬،‫ وأي كلمة أو تعبير فيها له معنى خاص في أي جزء منها‬،‫واحد‬
special definition at any part of it, shall have the same .ً ‫نفس المعنى فيها جميعا‬
definition in the whole agreement. ‫ب) ما لم يشر النص إلى خ ف ذلك؛ فإن المفرد حيثما ذكر في بنود هذه الوثيقة‬
b. Unless otherwise mentioned in the text, the singular also
‫ كما أن العبارات الدالة على المذكر تشمل‬،‫يشمل الجمع والعكس صحيح‬
refers to plural and vice versa, and masculine also refers to
feminine wherever stated in the policy clauses. .‫المؤنث‬
c. Any reference to day, month, year or other periods shall be ‫ج) أي إشارة إلى اليوم أو الشهر أو السنة أو فترة زمنية أخرى تتحدد وفقا ً للتقويم‬
defined as per the Gregorian calendar, unless stated in the .‫ عمر السائق‬:‫المي دي ما لم يذكر خ ف ذلك صراحة مثل‬
policy or its riders as driver’s age.
‫النص المعتمد‬
ّ ‫في حال وجود أي اخت ف بين النسختين؛ فإن النص العربي هو‬
In case of any dispute, the Arabic version will prevail over the English
version. .‫فقط‬
Policy Issuance and Renewal Notification ‫إصدار الوثيقة وا شعار بالتجديد‬

The company may not issue this policy if it is not electronically linked
‫ يحق للشركة إصدار هذه الوثيقة ما لم تكن مرتبطة آليا بنظام الشركة الحاصل‬
with the system of the company which is authorized by SAMA to
gather, archive, and exchange insurance data. The company shall ‫على موافقة البنك المركزي السعودي بتقديم خدمة جمع وحفظ وتبادل المعلومات‬
notify the insured of the expiry date of the policy thirty (30) days prior ‫ ويجب على الشركة إشعار المؤمن له قبل موعد تاريخ انتهاء الوثيقة‬،‫التأمينية‬
to the expiry date, so that it can be renewed. .‫بث ثين يوما ً ليتمكن من تجديدها أو الحصول على وثيقة من شركة أخرى‬
Surplus ‫صافي الفائض‬

In accordance with it Article of Association as a cooperative insurance
company, Company hereinafter called “the company” shall from time ‫ يجوز للشركة من‬،‫بموجب نظامها اساسي وكشركة تعمل بمبدأ التأمين التعاوني‬
to time distribute 10% of the net annual surplus arising from its ،‫ من صافي الفائض السنوي الناتج عن عمليات التأمين‬% 10 ‫وقت خر توزيع‬
insurance operations, if any, to the policyholders directly or in the ‫ لحملة الوثائق إما نقداَ أو في شكل تخفيض لقسط التأمين "اشتراك" عن‬،‫إن وجد‬
form of reduction in contributions for the next year. .‫السنة التالية‬
The amount, time and manner of and eligibility to such distribution ‫إن المبلغ والوقت واستحقاق وكيفية التوزيع يكون خاضعا ً للوائح والنظم الواردة‬
are subject to the rules and regulations as laid down in the
Cooperative Insurance Companies Control Law of the Kingdom of
‫في قانون مراقبة شركات التأمين التعاوني للمملكة العربية السعودية وما يقره‬
Saudi Arabia as well as approval by the Company’s Board of .‫مجلس إدارة الشركة‬
Directors.
Claim Settlement Procedures ‫إجراءات تسوية المطالبات‬
Notification and Documentation ‫ا خطار والمستندات‬

Upon receiving the claim, the company shall acknowledge receipt of
the claim and inform the claimant of any missing documents, within ‫تلتزم الشركة عند تلقي أي ُمطالبة بإب غ المتقدم بالمطالبة بأي نواقص خ ل ث ثة‬
the next three (3) days for individual customers and nine (9) days for ‫ ويحق‬،‫أيام عمل ل فراد وتسعة أيام عمل للشركات من تاريخ تلقيها المطالبة‬
corporate customers. The company may appoint an assessor or loss .‫للشركة تعيين خبير معاينة أو مقدر خسائر إذا لزم امر خ ل تلك الفترة‬
adjuster, if necessary, within that period.
The Insured must inform the Company of the damage or loss to the
Motor Vehicle, associated with a risk covered under the Policy. ‫يلتزم المؤمن له بإباغ الشركة عن الضرر أو الخسارة للمركبة والناتجة عن‬
.‫خطر مغطى بموجب الوثيقة‬
The insurance company receives the vehicle from the
insured upon the incident of the accident, and deliver the
Motor Vehicle to the competent entity in charge of automobile ‫ كما تقوم بنقل‬،‫تقوم شركة التأمين باست م المركبة من المؤمن له فور وقوع الخطر‬
damage appraisal, and then deliver the Motor Vehicle to
the Repairing Party specified in the Policy Schedule as per ‫ ثم نقلها إلى جهة‬،‫المركبة إلى الجهة المختصة بتقدير أضرار حوادث المركبات‬
the terms and conditions of the Policy, or compensate ‫ أو التعويض بالقيمة‬،‫اصاح المحددة في جدول الوثيقة وفق شروط وأحكام الوثيقة‬
the Insured with the Sum Insured .‫التأمينية في حالتي الهاك الكلي الفني أو اقتصادي‬
12 | P a g e
The Insured must inform the Company if the damage or loss ‫يلتزم المؤمن له بإباغ الشركة في حال كان الضرر أو الخسارة الناتجة عن خطر‬
associated with a risk covered under the Policy was caused by a third
‫ ويتعين على الشركة‬،‫مغطى بموجب الوثيقة على المركبة تسبب به طرف ثالث‬
party. In this case, the Company shall first compensate the Insured
based on the indemnity mechanism stated in article (5) section (5.2) ‫( من‬2 )‫تعويض المؤمن له أو وفقا )ألية التعويض المحددة في البند الفرعي‬
subsection (2) and then subrogate the Insured against the third party ‫ ثم الحلول محل المؤمن له وفقأ للمادة من هذه‬, ‫ من المادة الخامسة‬2,5 ) ‫الفقرة‬
in accordance with Article (8) hereof. ‫القواعد‬
‫ تلتزم الشركة خ ل (خمسة) أيام‬،‫في حال قبول المطالبة واحتسابها ه ك جزئي‬

If the Claim is accepted and deemed to be Partial Loss, the Insurer
shall approve repairing the insured Motor Vehicle at the respective ‫عمل بتعميد إص ح المركبة لدى الوكيل المعتمد للمركبة المؤمن عليها أو الورش‬
certified dealership or the certified auto repair shops approved by ‫المعتمدة لدى الشركة (حسب ما هو محدد في جدول الوثيقة) بما يضمن إعادتها‬
the Insurer (as specified in the Policy Schedule) within (5) business ‫إلى المستفيد اول بحالتها السابقة لوقوع الخسارة أو الضرر المغطى بموجب‬
days, ensuring that the First Beneficiary receives the Motor Vehicle ‫ وعلى الشركة توضيح آلية التعويض المستحق وكيفية التوصل إليه (قيمة‬،‫الوثيقة‬
after it has been reinstated to its former condition before the loss or
.)‫قطع الغيار وقيمة أجور اليد‬
damage. The Insurer shall also provide details regarding the due
indemnity process and what does it cover (the amount of spare parts
and labor charges).
Settlement Period for Third Party Claimants ‫فترة التسوية للمطالبات المقدمة من طرف ثالث‬
The company shall settle the claims in a fair and impartial manner
‫تلتزم الشركة بتسوية المطالبات المستحقة بكل نزاهة وعدالة دون أي مساومة خ ل‬
within a maximum period of fifteen (15) days for individual
customers and forty-five (45) days for corporate customers, from the ‫مدة أقصاها خمسة عشر يوما ً (ل فراد) وخمسة وأربعين يوما ً (للشركات) وذلك‬
date of receipt of the completed claim form. In the event that the .‫من تاريخ است م المطالبة مكتملة المستندات من مقدم المطالبة‬
claim is pursuant to an enforceable court judgment submitted by the ‫حكم قضائي قابل للتنفيذ مقدّم من صاحب المطالبة‬ ‫وفي حال كانت المطالبة بموجب‬
claimant or the insured informs the Company of the payment order, .ً ‫أو قام المؤمن له بإب غ الشركة بأمر الدّفع؛ فإن الشركة سوف تلتزم بالدفع فورا‬
the company will be obliged to pay immediately.
Notifications about Claims Status ‫إخطار الطرف الثالث بحالة المطالبات‬

The company shall be committed to inform the claimant in ‫ وفي حال قبول‬،‫تلتزم الشركة بإب غ مقدم المطالبة بقبول أو رفض المطالبة‬
writing of its acceptance or rejection of the claim. In case of ‫المطالبة كليا ً أو جزئيا ً تلتزم الشركة بتوضيح مبلغ التغطية وكيفية التوصل إليه‬
acceptance, in whole or in part, the company must clarify the
.)‫(طريقة احتسابه‬
amount of indemnity, and how it was calculated.
‫تلتزم الشركة بتسوية وتسديد المطالبات التأمينية من خ ل إيداع مبلغ التعويض في‬
The company shall settle and pay the insurance claims by
‫الحساب البنكي للمستفيد مباشرة عن طريق رقم الحساب المصرفي الدولي‬
depositing the amount of compensation in the beneficiary’s
bank account directly through the IBAN. .)‫(ا يبان‬
Subject to the periods specified in the definition, the company
shall settle the claim in case the claim submitted after the ‫مع مراعاة المدد المحددة في الفقرتين اع ه من هذه المادة تلتزم الشركة بتسوية‬
repair of the vehicle. The claimant shall provide the company ‫المطالبة في حال تقديمها بعد إص ح المركبة وحصول المؤ من له على تفويض‬
with the actual invoices for repair, provided that the accident ‫باص ح من قبل الشركة على أن يقوم مقدم المطالبة بتزويد الشركة بالفواتير‬
is directly handled by the concerned authorities and the ‫الفعلية ل ص ح بشرط أن تت ّم مباشرة الحادث من قبل الجهات المختصة في مباشرة‬
company is provided with damage report after the accident ‫ وأن يقوم بتزويد الشركة بتقرير تقييم اضرار بعد وقوع الحادث وقبل‬،‫الحوادث‬
and before repair. .‫اص ح‬
If the company fails to settle the claim within that prescribed ‫في حال عدم التزام الشركة بتسوية المطالبة خ ل الفترة النظامية دون وجود سبب‬
period without statutory reasons, the claimant is entitled to
‫نظامي يحق للمتقدم بالمطالبة تقديم شكوى عن طريق موقع ساما تهتم‬
file a complaint through SAMA Care (www.samacares.sa) or
‫) أو التقدم بطلب إلى لجان الفصل في المنازعات‬www.samacares.sa(
file a petition of dispute at the Committees for Resolution of
.‫) من نظام مراقبة شركات التأمين التعاوني‬20( ‫والمخالفات وفقا ً للمادة رقم‬
Insurance Disputes and Violations, stated in article no. 20 of
Law of Supervision of Cooperative Insurance Companies. :‫ فيجب على الشركة ما يأتي‬،‫أ ما في حال رفض المطالبة‬
In case of rejection, the company shall: .‫أ) تزويد مقدم المطالبة بأسباب الرفض‬
a. Provide the claimant with the reasons for rejection. ‫ب) إب غ مقدم المطالبة بإمكانية تقديم شكوى عن طريق موقع ساما تهتم‬
b. Inform the claimant of his right to file a complaint through ‫) أو تقديم دعواه إلى لجان الفصل في‬www.samacares.sa(
SAMA Care (www.samacares.sa) or file a petition of his ‫المنازعات والمخالفات التأمينية المنصوص عليها في المادة العشرين من‬
case to the Committees for Resolution of Insurance .‫نظام مراقبة شركات التأمين التعاوني‬
Disputes and Violations stated in Article 20 of the Law of ‫ج) تزويد مقدم المطالبة بنسخة من الوثائق والمستندات المؤيدة لقرار الشركة‬
Supervision of Co-operative Insurance Companies. . ‫في حال طلب مقدم المطالبة ذلك من الشركة كتابيا‬
c. Provide the claimant, upon his request, with copies of
documents in support of the company’s decision.
Fraud ‫احتيال‬
This policy shall be forfeited if the claim involves fraud; or the
Insured, the driver, or the agent of any of them, or a third party uses
13 | P a g e
fraudulent ways or methods to gain benefit from this policy; or if ‫تسقط ال ُحقوق الناشئة عن هذه الوثيقة إذا انطوت المطالبة المقدمة على قيام المؤمن‬
liability or loss results from a deliberate act by the insured, the driver, ‫له أو السائق أو من ينوب عنهما أو الغير (المتضرر من الحادث) بأي أسلوب أو‬
or others or due to collusion with any one of them. The company may
‫ أو كانت المسؤولية‬،‫وسيلة احتيالية بغرض الحصول على منفعة من هذه الوثيقة‬
recourse to any party who appears to have been responsible for this
fraud either by participation or collusion. Then the company, shall ‫أو الضرر ناتجة من جراء فعل متعمد من المؤمن له أو السائق أو الغير أو التواطؤ‬
indemnify a third party if his intention is good. ‫ وللشركة الرجوع على أي طرف يتبين مسؤوليته عن هذا احتيال‬.‫ي منهم‬ ّ ‫مع أ‬
ً ً
‫ على أن تقوم الشركة بدفع التغطية للغير إذا ثبت‬،‫سوا ًء كان ُمشتركا أو متواطئا‬
.‫أن ذلك كان عن حسن نية‬
Company’s right to enlist the Insured name in the Saudi Credit ‫حقّ الشركة في إدراج اسم المؤمن له في نظام جمع البيانات ائتمانية عن‬
Bureau (SIMAH) system
(SIMAH) "‫المستهلكين في السعودية "سمة‬
The company has the right to include the name of the insured in the
system of the authorized organization to collect consumer credit ‫يحق للشركة في حال عدم التزام المؤ ّمن له بسداد قسط الوثيقة إدراج اسم المؤمن‬
information if the insured defaults on insurance contribution "‫له في نظام الشركة المرخص لها بجمع المعلومات ائتمانية عن المستهلكين "سمة‬
payments. .)SIMAH(
Insured or named driver’s commitments when an accident covered ‫التزامات المؤمن له أو السائق المسمى عن وقوع حادث مغطي بموجب هذه‬
under this policy occurs
‫الوثيقة‬
a. Shall inform the concerned authorities as soon as accident
covered under this policy occurs, and shall not leave the scene ‫ وعدم‬،‫أ) إب غ الجهات المعنية فور وقوع حادث مغطى بموجب هذه الوثيقة‬
of the accident until procedures have been completed, except ‫ ويستثنى من ذلك الحات‬،‫مغادرة موقع الحادث إلى حين انتهاء اجراءات‬
in cases where leaving the scene of the accident is required, .‫ وجود إصابات جسدية‬:‫التي تستلزم مغادرة موقع الحادث؛ مثل‬
such as in the case of physical injuries. ‫ب) عدم اقرار بالمسؤولية بقصد اضرار بالشركة أو الدفع أو التعهد بدفع أي‬
b. Shall not claim responsibility with the intention of harming the
‫مبلغ ي طرف في الحادث إ بعد الحصول على الموافقة الكتابية المسبقة‬
company, pay or undertake to pay any amount to any party
involved in the accident except after obtaining a prior written .‫من الشركة‬
approval from the company. ‫شرعية التي تمكنها من اتخاذ‬ ‫ وتحرير الوكات ال‬،‫ت) التعاون مع الشركة‬
c. Shall cooperate with the company, and issue legal power of .‫إجراءات المرافعة والمدافعة والتسوية نيابة عن المؤمن له أو السائق‬
attorney, enabling the company to out the proceedings,
defending and settlement procedures on behalf of the Insured
or the driver.
To do all needed work, on the account of the Insured's fund, to ‫القيام بجميع اعمال ال زمة لتمكين الشركة من تحصيل أي مبالغ مستحقة من‬
enable the company to collect any due amounts from any third party .‫أي طرف آخر نتيجة أي مبلغ تقوم بدفعه على نفقة الشركة‬
that arises as a consequence to amounts paid by the company.
Alterations ‫التعديل‬
The Insured shall, within twenty (20) days, notify the company of ً ً
‫شركة كتابيا خ ل عشرين يوما عن أي تغيير جوهري‬ ‫يلتزم المؤمن له بإشعار ال‬
any substantial change than what was stated in the insurance
application form. The company shall notify the insured if it requires ‫ ويجب على الشركة إخطار المؤمن له‬،‫صرح به في نموذج طلب التأمين‬ ‫عن ما‬
to increase the participation amount, or return part thereof in the ‫في حال رغبتها في زيادة مبلغ إضافي على قسط التأمين أو إعادة جزء منه في‬
event of a reduction. If the company does not notify the insured, it ‫وإن عدم إخطار الشركة للمؤمن له يعني موافقتها على‬ ّ .‫حال تخفيض القسط‬
shall mean its consent to continue coverage as agreed in the contract. .‫استمرار التغطية بقسط التأمين السابق المتفق عليه عند التعاقد‬
Claim Provisions ‫أحكام المطالبات‬
Please notify us within thirty (30) days of any occurrence likely to ‫) يو ًما من وقوع أي حادثة قد‬30( ‫يرجى إب غ شركة التأمين في غضون ث ثين‬
give rise to a claim.
.‫تؤدي إلى تقديم مطالبة‬
‫ يمكنكم مراجعة فروع مطالبات وء أو تقديم المطالبة عن‬،‫و ل ب غ عن مطالبة‬

You can report a claim through Walaa Claims branches or Walaa
Website: :‫طريق الموقع الكتروني لشركة وء كما هو مرفق أدناه‬
https://claims.walaa.com/FNOL/DefaultMaster_walaaclient.aspx https://claims.walaa.com/FNOL/DefaultMaster_walaaclient.aspx
Also, you can contact us on 800119922,
8001199222 ‫كما يمكنكم التواصل معنا على‬
or write us on walaa@walaa.com
walaa@walaa.com ‫أو التواصل كتابيا على‬
You will need to complete a claim form in order for us to process

your claim.
‫يجب التحقق من إكمال بيانات المطالبة حتى نتمكن من إنهاء إجراءات المطالبة‬
Before making a claim, check these terms and conditions, the specific
exclusions under each section, your certificate of insurance, including
14 | P a g e
the schedule of benefits. If you have a valid claim and you follow the ‫ واستثناءات المحددة في كل‬،‫ي مطالبة تحقق من الشروط واحكام‬ ّ ‫قبل تقديم أ‬
proper process for claiming, upon submitting all required supporting ‫ وأي تعدي ت مكتوبة‬،‫ بما في ذلك جدول المنافع‬،‫ وثيقة التامين الخاصة بك‬،‫قسم‬
documents, we will pay your claim within fourteen (14) working days .‫على وثيقة التأمين الخاصة بك‬
to the Insured’s bank account via electronic transfer. The most we
pay for any insured event is the benefit limit shown on the schedule ‫إذا كانت المطالبة صحيحة ومستوفية للشروط وت ّم تقديمها وفق اجراءات‬
of benefits. ‫المنصوص عليها وت ّم إرسال جميع الوثائق المطلوبة؛ فسوف يت ّم دفع مبلغ المطالبة‬
If we reject your claim, we will write to you to let you know, within ‫) يوم عمل بإيداعها في الحساب المصرفي للمشترك عبر‬14( ‫المستحق خ ل‬
seven (7) working days. You have the right to object to our decision. .‫التحويل الكتروني‬
You objection must be in writing and we must receive it within thirty
‫أقصى مبلغ تغطية يتم دفعه عن أي حدث هو الح ّد المخصص للمستحقات‬
(30) days of the date of the rejection email or letter.
‫ وفي حال رفض مطالبتك فسوف نخطر المؤمن له بذلك‬.‫والموضح بجدول المنافع‬
‫ بشرط أن‬،‫ وله حق اعتراض على قرارنا‬،‫ ) أيام عمل‬7( ‫ في غضون‬،‫كتابيًا‬
‫) يو ًما من تاريخ البريد‬30( ‫يكون اعتراض خطيًا وأن يت ّم تسليمه للشركة خ ل‬
Also, please note the following: .‫الكتروني أو الخطاب الخاص‬
1- The accident Report will be received after 48 hours from :‫كما يرجى م حظة ا تي‬
accident time.
2- The claim number does not necessarily means your claim ‫ ساعة من وقوعه من خ ل الجهة‬48 ‫ أنه يتم است م تقرير الحادث بعد‬-1
is accepted. .‫المباشرة لحوادث السيارات‬
3- The claim process and updates will be shared with you via
.‫ رقم المطالبة يعني بالضرورة قبول المطالبة‬-2
SMS.
‫ ستتم مشاركة إجراءات المطالبة والتحديثات معك عبر الرسائل‬-3
4- Also, you can track your claims through Walaa website: .‫القصيرة‬
Walaa.com
:‫ كما يمكنكم تتبع المطالبة عبر الموقع الكتروني لشركة وء‬-4
5- In the event of an accident to the insured motor vehicle,
Walaa.com
you should immediately contact Najm Company and
strictly follow Najm’s directions for handling the accident,
‫ في حال وقوع حادث للسيارة المؤمن عليها يجب اتصال فورا ً بشركة‬-5
whether in the presence of Najm representative or the
presence of the traffic policeman to inspect the accident. ‫نجم واتباع توجيه نجم بخصوص التعامل مع الحادث سواء بحضور‬
Najm or Traffic Department representative will attend to ‫يقوم مندوب نجم أو‬.‫مندوب نجم أو حضور المرور لمعاينة الحادث‬
inspect the accident, prepare an official report on the .‫المرور بمعاينة الحادث وإعداد تقرير عنه وتحديد نسبة المسؤولية‬
accident, and determine the percentage of responsibility. .‫ويجب التأكد من الحصول على رقم الحادث‬
You have to ensure that the accident number is obtained.
6- If the customer's liability is less than 100%, the damage

estimates should be obtained from one of the "Car Repair
Cost Estimation" centers (known as Taqdeer Centers). Such ‫ يلزم تقدير قيمة‬%100 ‫ في حال كانت نسبة مسؤولية العميل أقل من‬-6
estimation is not required if the percentage of ‫ و يلزم التقدير في‬،"‫إصح المركبة المؤمنة من أحد مراكز "تقدير‬
responsibility is 100% or if no other party is involved in the .‫ او عدم وجود طرف اخر‬%100 ‫حال كانت نسبة المسؤولية‬
accident.
‫إجراءات تقديم المطالبة‬
Claim Procedure
‫ في حال وقوع حادث للمركبة المؤمن عليها فإن الشركة تقوم بالتعويض عن‬.1
1. In the event of an insured vehicle accident the company will
compensate for the damage to the vehicle by repairing it at the
‫اضرار التي تلحق بالمركبة وذلك بإصحها لدى الورش المعتمدة أو‬
approved workshops or the agency according to the terms of ‫ وإذا‬.‫الوكالة حسب شروط الوثيقة وذلك في حال اعتبار أن الخسارة جزئية‬
the policy if the loss is considered partial. Suppose the loss is ‫ فإن الشركة تقوم بتعويض‬،‫كانت الخسارة كلية كالسرقة أو يمكن إصحها‬
total such as theft, or cannot be repaired. In that case, the .‫المؤمن له حسب شروط وأحكام وثيقة التأمين‬
company compensates the insured. According to the insurance .‫ يرجى التأكد من اكتمال جميع المعلومات‬، ‫ لتسريع إجراءات مطالبتك‬.2
policy terms and conditions, the time of the accident.
.‫رقم المطالبة يعني بالضرورة قبول مطالبتك‬ .3
2. To expedite the resolution of your claim, please make sure that
all information is completed. .‫ستتم مشاركة إجراءات المطالبة والتحديثات معك عبر الرسائل القصيرة‬ .4
3. The claim number does not necessarily means your claim is
accepted. ‫ ساعة من وقت‬48 ‫يرجى محظة أنه سيتم استم تقرير الحوادث بعد‬ .5
4. The claim process and updates will be shared with you via SMS. .‫الحادث من خل الجهة المباشرة لحوادث السيارات‬
5. Accident Report will be received after 48 hours from accident
time through Motor Accidents authorities.
Complaints Procedure ‫إجراءات تقديم شكوى لدى الشركة‬
Walaa Cooperative Insurance Company strives to provide the best

level of service and care to its customers. In case of dissatisfaction
15 | P a g e
with the service provided, customers are entitled to submit a ‫تعمل شركة وء للتأمين التعاوني جاهدة على تقديم أفضل مستوى من الخدمات‬
complaint through one of the following channels, through which the ‫ ففي حال عدم رضاك عن الخدمة المقدمة يحق للعم ء الكرام‬.‫و رعاية لعم ئها‬
needs and expectations of the customers are met and a high quality
‫بتقديم شكوى من خ ل أحد القنوات التالية والتي من خ لها يتم تلبية احتياجات‬
service is provided that results in customer satisfaction.
Call customer service number 8001199222 during working hours ‫وتوقعات العم ء وتقديم خدمة ذات جودة عالية ينتج عنها رضا العم ء‬
from 8 am to 4:30 pm during the week. Customer service staff will ‫ خ ل أوقات الدوام من‬8001199222 ‫اتصال مباشرة بهاتف خدمة العم ء‬
listen to the complaint and record it and give you a ticket number, ‫ سيقوم موظفي خدمة‬.‫ مسا ًء خ ل ايام اسبوع‬4:30 ‫ صباحا ً الى الساعة‬8 ‫الساعة‬
and the calls will be registered to ensure quality of services. ‫ كما ان المكالمات‬،‫العم ء باستماع الى الشكوى وتسجيلها وأعطاكم رقم مرجعي‬
Visit our website (www.walaa.com) and choose the customer service
‫ستكون مسجلة لضمان الحصول على أفضل خدمة‬
then complaint form, then fill your contact information and choose a
complaint type. After that, you will be contacted to confirm receiving ‫( واختيار خدمة العم ء ثم‬www.walaa.com) ‫زيارة موقعنا الكتروني‬
and replying provide you with the ticket number. ‫ يتم‬.‫ من خ له يتم تعبئة معلومات اتصال واختيار نوع الشكوى‬.‫نماذج الشكاوى‬
Send an email to (complaint@walaa.com) containing the details of .‫اتصال بك لتأكيد است م والرد وتزويدكم بالرقم المرجعي‬
the complaint along with the contact information so that we can ‫( يحتوي على تفاصيل‬complaint@walaa.com) ‫إرسال بريد إلكتروني الى‬
serve you better and provide you with a ticket number.
‫الشكوى مع ذكر وسائل اتصال كي نتمكن من خدمتكم بشكل أفضل وتزويدكم‬
Visit one of our branches or head office by using our website under
the choice of “contact us”. .‫برقم مرجعي‬
‫زيارة احدى فروعنا اقليمية أو ادارة الرئيسية والموضحة على موقعنا‬
When submitting your complaint, the following will be done: ."‫الكتروني تحت اختيار "اتصل بنا‬
 Record a complaint.
:‫عند تقديمكم للشكوى سوف يتم التالي‬
 You will be asked to provide us with your policy number or
your claim number or any information or documents related
to the submitted complaint. .‫ تسجيل شكوى‬
 You will be provided with a ticket number to follow up the ‫ سيتم طلب تزويدنا برقم وثيقتكم أو مطالبتكم أو أي معلومات أو‬
complaint. .‫مستندات متعلقة بالشكوى المقدمة‬
 The company will works to resolve the complaint submitted.
.‫ يتم تزويدكم برقم مرجعي لمتابعة الشكوى المقدمة‬
 You will be contacted or sent a SMS message explaining
what was done about the complaint within a maximum of 5 .‫ ستعمل الشركة على معالجة الشكوى المقدمة‬
days. ‫ سيتم اتصال بكم أو إرسال رسالة توضح ما تم عمله حيال الشكوى‬
The customer has the right to follow up the complaint submitted by .‫ أيام‬5 ‫خ ل مدة اقصاها‬
him through the ways mentioned below and using the ticket number
‫يحق للعميل متابعة الشكوى المقدمة من قبلة من خ ل الوسائل المذكورة أع ه‬
provided by the customer service.
.‫وباستخدام الرقم المرجعي المزود له من قبل خدمة العم ء‬
Thank You for Being a Partner with Walaa. .‫شكرا ختياركم ان تكونوا شركاء وء‬
16 | P a g e
‫‪١٤٤٤/١٠/١٠‬‬ ‫ﺍﻟﺘﺎﺭﻳﺦ‬
‫‪٣٠/٠٤/٢٠٢٣‬‬ ‫ﺍﻟﻤﻮﺍﻓﻖ‬
‫ﺭﻣﺰ ﺍﻟﺸﻬﺎﺩﺓ ‪٥٤١٠٢٤٤٦‬‬
‫ﺷﻬﺎﺩﺓ‬
‫ﺷﺮﻛﺔ ﻣﺆﻧﺲ ﺍﻟﺸﺎﻳﺐ ﻟﻼﻋﻤﺎﻝ ﺍﻟﻤﺪﻧﻴﺔ)ﻣﻮﺑﻜﻮ(‬ ‫ﺇﺳﻢ ﺍﻟﻤﻨﺸﺄﺓ ‪:‬‬

‫‪F٤C٦+٣R Sharurah‬‬
‫‪Domestic Airport‬‬
‫)‪, SHW), Sharorah, SA‬‬
‫ﻣﻜﺘﺐ ﻣﻨﻄﻘﺔ ﺍﻟﺮﻳﺎﺽ ‪-‬‬
‫ﺍﻟﺴﻌﻮﺩﻳﺔ‬
‫‪١٣٣٠٨٦٨٣‬‬ ‫ﺭﻗﻢ ﺍﻹﺷﺘﺮﺍﻙ ‪:‬‬
‫ﻣﺼﺪﺭﻩ ‪:‬‬ ‫ﺭﻗﻢ ﺍﻟﺴﺠﻞ ﺍﻟﺘﺠﺎﺭﻱ‪١٠١٠١٧٨٨٣٨ :‬‬
‫ﻛﺘﺎﺑﺔ‬ ‫ﺭﻗﻤﺎ‬
‫ﺛﻼﺛﻤﺎﺋﻪ ﻭ ﺛﻼﺛﺔ ﻭ ﺧﻤﺴﻮﻥ ﻣﺸﺘﺮﻛﺎ‬ ‫‪٣٥٣‬‬ ‫ﻋﺪﺩ ﺍﻟﻤﺸﺘﺮﻛﻴﻦ ﺍﻟﺴﻌﻮﺩﻳﻴﻦ‬
‫ﺃﻟـﻒ ﻭ ﺍﺭﺑﻌﻤﺎﺋﺔ ﻭ ﺳﺘﺔ ﻋﺸﺮﻩ ﻣﺸﺘﺮﻛﺎ‬ ‫‪١٤١٦‬‬ ‫ﻋﺪﺩ ﺍﻟﻤﺸﺘﺮﻛﻴﻦ ﻏﻴﺮ ﺍﻟﺴﻌﻮﺩﻳﻴﻦ‬
‫ﺃﻟـﻒ ﻭ ﺳﺒﻌﻤﺎﺋﺔ ﻭ ﺗﺴﻌﺔ ﻭ ﺳﺘﻮﻥ ﻣﺸﺘﺮﻛﺎ‬ ‫‪١٧٦٩‬‬ ‫ﺍﻟﻤﺠﻤﻮﻉ‬
‫ﺗﺸﻬﺪ ﺍﻟﻤﺆﺳﺴﺔ ﺍﻟﻌﺎﻣﺔ ﻟﻠﺘﺄﻣﻴﻨﺎﺕ ﺍﻹﺟﺘﻤﺎﻋﻴﺔ ﺑﺄﻥ ﺍﻟﻤﻨﺸﺄﺓ ﺍﻟﻤﺬﻛﻮﺭﺓ ﺃﻋﻼﻩ ﻗﺪ ﺃﻭﻓﺖ ﺑﺈﻟﺘﺰﺍﻣﺎﺗﻬﺎ ﺗﺠﺎﻩ ﺍﻟﻤﺆﺳﺴﺔ‬
‫ﻭﻓﻖ ﺍﻟﺒﻴﺎﻧﺎﺕ ﺍﻟﻤﻘﺪﻣﺔ ﻣﻨﻬﺎ ﺣﺘﻰ ﺗﺎﺭﻳﺦ ﺇﺻﺪﺍﺭ ﻫﺬﻩ ﺍﻟﺸﻬﺎﺩﺓ ‪ ،‬ﻭﺍﻟﺘﻲ ﺗﻢ ﻣﻨﺤﻬﺎ ﻟﺘﻘﺪﻳﻤﻬﺎ ﻷﻳﺔ ﺟﻬﺔ ﺗﻄﻠﺒﻬﺎ ‪ ،‬ﻭﻫﻲ‬
‫ﺻﺎﻟﺤﺔ ﻟﺠﻤﻴﻊ ﺍﻷﻏﺮﺍﺽ ﺍﻟﺘﻲ ﻧﺺ ﻋﻠﻴﻬﺎ ﻧﻈﺎﻡ ﺍﻟﺘﺄﻣﻴﻨﺎﺕ ﺍﻹﺟﺘﻤﺎﻋﻴﺔ ﻓﻲ ﺍﻟﻤﺎﺩﺓ )‪ (١٩/٦‬ﻣﻨﻪ‪.‬‬
‫ﻫﺬﻩ ﺍﻟﺸﻬﺎﺩﺓ ﺳﺎﺭﻳﺔ ﺍﻟﻤﻔﻌﻮﻝ ﺣﺘﻰ ‪ ١٤٤٤/١١/٠٩‬ﻫـ‪.‬‬
‫ﻋﻦ ﻃﺮﻳﻖ ﺍﺳﺘﺨﺪﺍﻡ‬ ‫ﺃﻭ‬ ‫ﻳﻠﺰﻡ ﺍﻟﺘﺤﻘﻖ ﻣﻦ ﺻﺤﺔ ﻭﺻﻼﺣﻴﺔ ﺍﻟﺸﻬﺎﺩﺓ ﻋﺒﺮ ﺯﻳﺎﺭﺓ ﺍﻟﺮﺍﺑﻂ‬
‫ﺍﻟﺮﻣﺰ ﺍﻟﻤﻌﺮﻑ ﺍﻟﺘﺎﻟﻲ ‪:‬‬ ‫ﺃﺩﻧﺎﻩ ﻓﻲ ﺍﻟﻤﻮﻗﻊ ﺍﻹﻟﻜﺘﺮﻭﻧﻲ ﻟﻠﻤﺆﺳﺴﺔ ﺍﻟﻌﺎﻣﺔ ﻟﻠﺘﺄﻣﻴﻨﺎﺕ ﺍﻹﺟﺘﻤﺎﻋﻴﺔ‬
‫‪www.gosi.gov.sa/vc‬‬
‫) ﺍﻟﺸﻬﺎﺩﺓ ﻣﻌﺘﻤﺪﺓ ﻣﻦ ﺻﺎﺣﺐ ﺍﻟﺼﻼﺣﻴﺔ ﻭﻻ ﺗﺤﺘﺎﺝ ﺇﻟﻰ ﺗﻮﻗﻴﻊ ﺃﻭ ﺧﺘﻢ (‬

‫ﺗﻌﺪ ﻫﺬﻩ ﺍﻟﺸﻬﺎﺩﺓ ﻣﻦ ﺍﻟﻮﺛﺎﺋﻖ ﺍﻻﻟﻜﺘﺮﻭﻧﻴﺔ ﺍﻟﺤﻜﻮﻣﻴﺔ ﺍﻟﺮﺳﻤﻴﺔ ‪ ،‬ﻭﻳﺤﻈﺮ ﻗﻄﻌﻴﺎ ﺗﻘﻠﻴﺪﻫﺎ ﺃﻭ ﺇﺩﺧﺎﻝ ﺃﻱ ﺗﻌﺪﻳﻼﺕ ﻋﻠﻴﻬﺎ ﺳﻮﺍﺀ ﺑﺎﻹﺿﺎﻓﺔ ﺃﻭ ﺍﻟﺤﺬﻑ‬
‫ﺃﻭ ﺍﻟﺘﻐﻴﻴﺮ ﻓﻲ ﺑﻴﺎﻧﺎﺗﻬﺎ ﺃﻭ ﻏﻴﺮ ﺫﻟﻚ ﻣﻦ ﺍﻧﻮﺍﻉ ﺍﻟﺘﻌﺪﻳﻞ ‪ ،‬ﻭﺗﻌﺪ ﺍﻟﺸﻬﺎﺩﺓ ﻻﻏﻴﺔ ﺇﺫﺍ ﺷﺎﺑﻬﺎ ﺷﻲﺀ ﻣﻦ ﺫﻟﻚ ‪ ،‬ﻛﻤﺎ ﺗﻌﺮﺽ ﺻﺎﺣﺒﻬﺎ ﻟﻠﻤﻼﺣﻘﺔ ﺍﻟﻨﻈﺎﻣﻴﺔ‬
‫ﺃﻣﺎﻡ ﺍﻟﺠﻬﺎﺕ ﺍﻟﻤﺨﺘﺼﺔ ﺑﺎﻹﺿﺎﻓﺔ ﺇﻟﻰ ﻣﺎﻳﻔﺮﺿﻪ ﻧﻈﺎﻡ ﺍﻟﺘﺄﻣﻴﻨﺎﺕ ﺍﻻﺟﺘﻤﺎﻋﻴﺔ ﻣﻦ ﻋﻘﻮﺑﺎﺕ ‪ ،‬ﻭﻻﻳﺠﻮﺯ ﺗﺪﺍﻭﻝ ﺍﻟﺸﻬﺎﺩﺓ ﺇﻻ ﻓﻲ ﺍﻷﻏﺮﺍﺽ ﺍﻟﺘﻲ‬
‫ﺃﺻﺪﺭﺕ ﻷﺟﻠﻬﺎ ﻭﻓﻘﺎ ﻷﺣﻜﺎﻡ ﻧﻈﺎﻡ ﺍﻟﺘﺄﻣﻴﻨﺎﺕ ﺍﻻﺟﺘﻤﺎﻋﻴﺔ ‪ ،‬ﻭﺍﻟﻤﺆﺳﺴﺔ ﺍﻟﻌﺎﻣﺔ ﻟﻠﺘﺄﻣﻴﻨﺎﺕ ﺍﻻﺟﺘﻤﺎﻋﻴﺔ ﻏﻴﺮ ﻣﺴﺆﻭﻟﻪ ﻋﻦ ﺃﻱ ﺁﺛﺎﺭ ﺃﺧﺮﻯ ﻣﺘﺮﺗﺒﺔ‬
‫ﻗﺒﻞ ﺍﻟﻐﻴﺮ ﻋﻦ ﺍﻟﺸﻬﺎﺩﺓ ﻭﻏﻴﺮ ﻣﺴﺆﻭﻟﺔ ﻋﻦ ﺃﻱ ﻋﻤﻠﻴﺔ ﺗﺰﻭﻳﺮ ﺃﻭ ﺗﻌﺪﻳﻞ ﺗﺘﻢ ﻋﻠﻰ ﺍﻟﺒﻴﺎﻧﺎﺕ ﺍﻟﻮﺍﺭﺩﺓ ﻓﻴﻬﺎ ‪.‬‬
1110219457
٣٠١٠٣٤٧٥٧٥
١١١٠٢١٩٤٥٧
‫ ﻫـ‬١٤٤٤/١٠/١١
‫ﺷﻬﺎدة‬
Certificate
The Zakat,Tax and Customs ‫ﺗﺸﻬﺪ ﻫﻴﺌﺔ اﻟﺰﻛﺎة واﻟﻀﺮﻳﺒﺔ‬
Authority certifies that the Taxpayer / ‫واﻟﺠﻤﺎرك أن اﻟﻤﻜﻠﻒ‬
‫ﺷﺮﻛﺔ ﻣﺆﻧﺲ ﻣﺤﻤﺪ اﻟﺸﺎﻳﺐ ﻟﻼﻋﻤﺎل اﻟﻤﺪﻧﻴﻪ ﻣﻮﺑﻜﻮ‬
Entity Unified No./ID No. ٧٠١٨٠٥٦٧٣٤ ‫ رﻗﻢ ﻫﻮﻳﺔ‬/ ‫اﻟﺮﻗﻢ اﻟﻤﻮﺣﺪ ﻟﻠﻤﻨﺸﺄة‬
Commercial Registration/License/
١٠١٠١٧٨٨٣٨ ‫ ﻋﻘﺪ رﻗﻢ‬/ ‫ رﺧﺼﺔ‬/ ‫ﺳﺠﻞ ﺗﺠﺎري‬
Contract No
Has submitted his tax return for the period ending on 31/12/2022 AD, and he ، ‫ ﻫـ‬١٤٤٤/٠٦/٠٧ ‫ﻗﺪم إﻗﺮاره ﻋﻦ اﻟﻔﺘﺮة اﻟﻤﻨﺘﻬﻴﺔ ﻓﻲ‬
was granted the certificate to complete all his transactions including the ‫وﻗﺪ ﻣﻨﺢ ﻫﺬه اﻟﺸﻬﺎدة ﻹﻧﻬﺎء ﺟﻤﻴﻊ ﻣﻌﺎﻣﻼﺗﻪ ﺑﻤﺎ ﻓﻲ ذﻟﻚ ﺻﺮف‬
payment of the final amount due on the contract. .‫ﻣﺴﺘﺤﻘﺎﺗﻪ اﻟﻨﻬﺎﺋﻴﺔ ﻋﻦ اﻟﻌﻘﻮد‬
The Certificate is valid until 21/10/1445 AH corresponding to 30/04/2024 ‫ ﻫـ اﻟﻤﻮاﻓﻖ‬١٤٤٥/١٠/٢١ ‫ﻳﺴﺮي ﻣﻔﻌﻮل ﻫﺬه اﻟﺸﻬﺎدة ﺣﺘﻰ ﺗﺎرﻳﺦ‬
AD ‫ م‬٢٠٢٤/٠٤/٣٠
( The Twenty first of Shawwal one thousand four hundred forty-five Hijri ) ( ‫) اﻟﺤﺎدي و اﻟﻌﺸﺮون ﻣﻦ ﺷﻮال أﻟﻒ و أرﺑﻌﻤﺎﺋﺔ و ﺧﻤﺴﺔ و أرﺑﻌﻮن ﻫﺠﺮي‬
www.zatca.gov.sa :‫ﻻﻳﻌﺘﺪ ﺑﻬﺬه اﻟﺸﻬﺎدة إﻻ ﺑﻌﺪ اﻟﺘﺤﻘﻖ ﻣﻦ ﻣﻮﻗﻊ اﻟﻬﻴﺌﺔ اﻻﻟﻜﺘﺮوﻧﻲ‬
This certificate is not valid until verified by the Authority's Website: www.zatca.gov.sa
‫‪1110219457‬‬
‫‪٣٠١٠٣٤٧٥٧٥‬‬
‫‪١١١٠٢١٩٤٥٧‬‬
‫‪ ١٤٤٤/١٠/١١‬ﻫـ‬
‫ﻗﺎﺋﻤﺔ ﻓﺮوع اﻟﻤﻜﻠﻒ‬

‫‪List of Taxpayer Branches‬‬
‫اﻟﻤﺪﻳﻨﺔ‬ ‫إﺳﻢ اﻟﻔﺮع‬ ‫رﻗﻢ ﺳﺠﻞ ﺗﺠﺎري ‪/‬رﺧﺼﺔ ‪/‬ﻋﻘﺪ‬

‫‪City‬‬ ‫‪Branch Name‬‬ ‫‪CR/License/Contact Number‬‬
‫ﺷﺮﻛﺔ ﻣﺆﻧﺴﻤﺤﻤﺪ اﻟﺸﺎﻳﺐ ﻟﻼﻋﻤﺎل اﻟﻤﺪﻧﻴﻪ ﻣﻮﺑﻜﻮ‬ ‫‪٤٦٥٠٠٣٩٠٣٥‬‬
‫اﺧﺮى‬ ‫ﻓﺮع ﻣﺼﻨﻊ ﻣﻮﺑﻜﻮ ﻟﻠﺤﻮاﺋﻂ واﻷﺳﻘﻒ اﻟﺨﺮﺳﺎﻧﻴﻪ ﺳﺎﺑﻘﺔاﻟﺼﻨﻊ‬

‫‪١٠١٠٤٢٩٩٣٣‬‬
‫‪Riyadh‬‬ ‫واﻟﻤﻨﺘﺠﺎت اﻹﺳﻤﻨﺘﻴﻪ‬
‫اﺧﺮى‬
‫ﻓﺮع ﺷﺮﻛﺔ ﻣﺆﻧﺲ ﻣﺤﻤﺪ اﻟﺸﺎﻳﺐ ﻟﻼﻋﻤﺎل اﻟﻤﺪﻧﻴﺔ ﻣﻮﺑﻜﻮ‬ ‫‪٤٠٣٠٣٠٧٥١٥‬‬
‫‪Riyadh‬‬
‫اﺧﺮى‬
‫ﺷﺮﻛﺔ ﺷﺠﺮة اﻟﻤﻌﺮﻓﺔ اﻷﻫﻠﻴﺔ‬ ‫‪١٠١٠٦٥٦٢٠٥‬‬
‫‪Riyadh‬‬
‫اﻟﻤﺪﻳﻨﺔ اﻟﻤﻨﻮرة‬
‫ﺷﺮﻛﺔ ﺷﺠﺮة اﻟﻤﻌﺮﻓﺔ اﻷﻫﻠﻴﺔ‬ ‫‪٤٦٥٠٢٥٤٧٧٧‬‬
‫‪Al Madinah‬‬
‫رﻣﺰك اﻟﺘﺠﺎري ‪QR Code‬‬
‫ﻣﻦ ﺧﻼﻟﻪ ﻳﻤﻜﻨﻚ اﻟﺘﺤﻘﻖ اﻟﻤﺒﺎﺷﺮ ﻣﻦ اﻟﻌﻠﻮﻣﺎت‪:‬‬
‫رﺧﺼﺔ اﻟﺒﻠﺪﻳﺔ‬ ‫اﻟﺴﺠﻞ اﻟﺘﺠﺎري‬
‫ﺑﺮﻧﺎﻣﺞ ﻧﻄﺎﻗﺎت‬ ‫ﺷﻬﺎدة اﻟﺴﻌﻮدة‬
‫اﻟﻐﺮﻓﺔ اﻟﺘﺠﺎرﻳﺔ‬ ‫ﺷﻬﺎدة اﻟﺰﻛﺎة‬
‫‪MCgovSA‬‬
‫‪www.mc.gov.sa‬‬
̀˹˺́˹˾˿̀˼˽
˺˹˺˹˺̀́́˼́
˰ϫ˺˽˻˼˹˾˹˽
ϭϛΑϭϣϪϳϧΩϣϟ΍ϝΎϣϋϼϟϩΎϛέηϭΏϳΎηϟ΍ΩϣΣϣαϧ΅ϣΔϛέη
ϯΩϭό˰˰˰˰γ ΔϳΑϧΟ΃ΓΩϭΩΣϣ
˰ϫ˺˽˾̂˹˿˺̂ ˰ϫ˺˽˼˽˹˿˻˹ Δϧγ˻˾
ω΍ΩΑϻ΍ΝέΑΩϬϓϙϠϣϟ΍ϖϳέρνΎϳέϟ΍
˺̂˽́˺ ˺˺˽˼˾ ˻̂˼˾̂˿˿
ϱέΎΟΗϟ΍ίϣέϟ΍΢γϣ˯ΎΟέϟ΍ΔρηϧϷ΍ΕΎϧΎϳΑϰϠϋωϼρϼϟ
ϱΩϭόγ்˾က˹˹˹က˹˹˹
ΏϳΎηϟ΍ΔόϣΟϲϠϋαϧ΅ϣΩϣΣϣ ΏϳΎηϟ΍ΔόϣΟϲϠϋΩϣΣϣαϧ΅ϣ
Δϛέηϟ΍ΩϘϋϪϳϠϋιϧΎϣΏγΣ
νΎϳέϟ΍ νΎϳέϟ΍
˰ϫ˺˽˽˻˹˺˻˾ ˺˼́˽˽˹˾˻ ˰ϫ˺˽˽˿˹˽˺̂
ǧǙƣǧǞǤǫǡƵǟǛÞöơǟǌǳǛùơǘƷƽúƢǪơƾǛÞƵǟƱǞƹǡƜǞƥǘƷƽ
đĊċĒĊďĐđčĎ
ċĊċĊċđĒĒčĒ
ċċČčďď
ċĎĐđčđĊĒđ
čĊċĊčĎđďđď
ċččĊĒĐĒč
ċČĐĎđď
ØÞƷƭǰÞƦƱƧ
‫‪100171000007858‬‬
‫ﺗﺎرﻳﺦ اﻟﱰﺧﻴﺺ ‪ ١٤٣٨/١٢/٠١ :‬ﻫـ‬

‫اﻟﺮﻗﻢ اﳌﻤﻴﺰ ‪٣٠١٠٣٤٧٥٧٥ :‬‬
‫ﺷﻬﺎدة ﺗﺴﺠﻴﻞ ﰲ ﴐﻳﺒﺔ اﻟﻘﻴﻤﺔ اﳌﻀﺎﻓﺔ‬

‫‪VAT registration certificate‬‬
‫ﺗﺸﻬﺪ اﻟﻬﻴﺌﺔ اﻟﻌﺎﻣﺔ ﻟﻠﺰﻛﺎة واﻟﺪﺧﻞ ﺑﺄن اﳌﻜﻠﻒ ‪ :‬ﴍﻛﺔ ﻣﺆﻧﺲ ﻣﺤﻤﺪ اﻟﺸﺎﻳﺐ ﻟﻼﻋﺎﻤل اﳌﺪﻧﻴﻪ ﻣﻮﺑﻜﻮ‬
‫ﻣﺴﺠﻞ ﰲ ﴐﻳﺒﺔ اﻟﻘﻴﻤﺔ اﳌﻀﺎﻓﺔ ﺑﺘﺎرﻳﺦ ‪ ١٤٣٨/١٢/٠١ :‬ﻫـ ‪ ،‬وﺗﺤﻤﻞ اﻟﺮﻗﻢ اﻟﴬﻳﺒﻲ ‪٣٠١٠٣٤٧٥٧٥٠٠٠٠٣ :‬‬
‫ﻋﻨﻮان اﳌﺮﻛﺰ اﻟﺮﺋﻴﴘ ‪:‬‬

‫اﳌﺪﻳﻨﺔ ‪ :‬اﻟﺮﻳﺎض اﻟﺤﻲ ‪ :‬اﻟﻌﻠﻴﺎ‬
‫ﺻﻨﺪوق اﻟﱪﻳﺪ ‪ :‬اﻟﺮﻣﺰ اﻟﱪﻳﺪي ‪١٩٤٨١ :‬‬
‫اﻟﻬﺎﺗﻒ ‪٠٠٩٦٦٥٨٣٣٧٧٦٤٠ :‬‬
‫اﻟﻬﻴﺌﺔ اﻟﻌﺎﻣﺔ ﻟﻠﺰﻛﺎة واﻟﺪﺧﻞ‬
‫ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻣﺮﺳﻠﺔ ﻣﻦ اﻟﻨﻈﺎم اﻵﱄ وﻻ ﺗﺤﺘﺎج إﱃ ﺗﻮﻗﻴﻊ‬

şēĴĝļēęįĔƸƸŲļ
Membership Certificate
Membership No. : 126475 126475 İĨŵũŤēĚŻŵŅőŤēŪŜĳ
Date of Issue: 15/09/2002 ĳēİŀǘēĮŻĳĔĜ

2002/09/15
Membership Class : First

ŹŤŴǘē ĚŻŵŅőŤēĚĤĳį
Riyadh Chamber Certifies
ūĊĖŃĔŻĴŤĔĖĚżŐĔŭŁŤēĚŻĳĔĥĝŤēĚŘĴŕŤēİŲĽĜ
MONES MOHAMMED AL SHAIB

AND PARTNER FOR CIVIL ůĔŠĴļŴĘŻĔĽŤēİũĩŨĺŬČŨĚŠĴļ
WORKS (MOPCO) CO ŵšĖŵŨĚżŬİũŤēţĔũŐǙŤ
Commercial Registration No. 1010178838 1010178838 ŪŜĳłżĬĴĝŤēźĳĔĥĝŤēŦĥĹŤĔĖęİżŝŨ
Certificate Expires on 22/10/2024 2024/10/22 ŽŘęįĔŲĽŤēůĲűūĔŻĴĸŽŲĝŭŻ

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CONTRACTOR'S PLANT AND MACHINERY POLICY SCHEDULE

Policy No. : P-C01-23-40120-000819

Renewal Date : 20/03/2024

INSURED OBJECTS/BREAKDOWN : AS PER ATTACHED BORDEREAU

Printed: 22/03/2023 10:59:43 AM Printed by: Hanady Rashad Alrefy Page 1 of 3

Premium : SAR 48,993.00

Premium Payment : Instalment Number Percentage Instalment Amount Due Days

Printed: 22/03/2023 10:59:44 AM Printed by: Hanady Rashad Alrefy Page 2 of 3

A copy of your VAT Registration Certificate is required, if applicable.

Note: Walaa Cooperative Insurance Company VAT registration number: 300470754600003

Printed: 22/03/2023 10:59:44 AM Printed by: Hanady Rashad Alrefy Page 3 of 3

Geographical Ares Kingdom of Saudi Arabia

Total Sum Insured is on New Replacement Value

That without the use of Forte or Violence is not covered.

Printed: 22/03/2023 10:59:44 AM Printed by: Hanady Rashad Alrefy Page 1 of 6

Sabotage and Terrorism subject to Terrorism Exclusions Endorsement

(I) All Property on the site of a nuclear power station.

(a) The generation of nuclear energy; or

(b) The Production, Use or Storage of Nuclear Material.

Except as undernoted, Nuclear Energy Risks shall not include:-

Printed: 22/03/2023 10:59:44 AM Printed by: Hanady Rashad Alrefy Page 2 of 6

(1) The provision of any insurance or reinsurance whatsoever in respect of:-

(a) Nuclear Material;

- Fire, lightning, explosion;

- Aircraft and other aerial devices or articles dropped therefrom;

- Irradiation and radioactive contamination;

“Nuclear Material” means:-

(ii) Radioactive Products or Waste.

“Nuclear Installation” means:-

(i) Any Nuclear Reactor;

Printed: 22/03/2023 10:59:44 AM Printed by: Hanady Rashad Alrefy Page 3 of 6

“High Radioactivity Zone or Area” means:-

Total Asbestos Exclusion Clause

Sanction Limitation and Exclusion Clause LMA3100.

Transmission and Distribution Lines Exclusion Clause

Endorsement 532 Exclusion of Mechanical and Electrical Breakdown

Electronic Data Endorsement B NMA 2915. (Data Exclusion (Direct Damage).

Printed: 22/03/2023 10:59:44 AM Printed by: Hanady Rashad Alrefy Page 4 of 6

Industries, Seepage, Pollution and Contamination Clause NMA 1685.

3. Fines, penalties, punitive or exemplary damages.

Excluding Wear and Tear.

Printed: 22/03/2023 10:59:44 AM Printed by: Hanady Rashad Alrefy Page 5 of 6

Claims which are covered under Manufacturer's warranty

Excluding Offshore Operation

W and Clive W exclusion clause.

Warranted that Operation and Maintenance as per the Manufacturers Recommendations

Printed: 22/03/2023 10:59:44 AM Printed by: Hanady Rashad Alrefy Page 6 of 6

P-C01-23-40120-000819 : ‫رقم الوثيقة‬

Printed: 22/03/2023 10:59:44 AM Printed by: Hanady Rashad Alrefy Page 1 of 9

Printed: 22/03/2023 10:59:45 AM Printed by: Hanady Rashad Alrefy Page 2 of 9

The Insurers shall not be liable for:

a. the deductible stated in the Schedule to be borne

Printed: 22/03/2023 10:59:45 AM Printed by: Hanady Rashad Alrefy Page 3 of 9

Memo 1 - SUM INSURED

Memo 2 - BASIS OF LOSS SETTLEMENT

Printed: 22/03/2023 10:59:45 AM Printed by: Hanady Rashad Alrefy Page 4 of 9

1. The due observance and 4. telegram as well as in writing,

Printed: 22/03/2023 10:59:45 AM Printed by: Hanady Rashad Alrefy Page 5 of 9

General Provisions ‫احكام العامة‬

Laws and Regulations Amendment ‫تغيير انظمة أو اللوائح‬