How to Check Vehicle Insurance Validity in Saudi Arabia – Complete Guide for Expats & Locals



If you own or drive a vehicle in Saudi Arabia, keeping your car insurance valid is not just a good idea—it’s the law. Driving without valid insurance can lead to heavy fines, vehicle impoundment, and even legal trouble. Whether you’re an expat or a Saudi national, it’s essential to know how to check your vehicle’s insurance status quickly and accurately.

Thankfully, Saudi Arabia has made the process easy through online portals and mobile apps. In this guide, we’ll walk you through the official ways to check your vehicle’s insurance validity, common mistakes to avoid, and tips to stay compliant.

Why Checking Vehicle Insurance Validity is Important

Saudi traffic laws require all vehicles to have valid insurance coverage at all times. Here’s why checking your insurance validity is important:

  • Avoid fines and penalties – Traffic cameras and police checks can detect uninsured vehicles, leading to fines of up to SAR 150.

  • Peace of mind in case of accidents – Valid insurance ensures financial protection against damages and injuries.

  • Renewal reminders – Checking regularly helps you avoid sudden expiry and gives time to renew.

  • Required for vehicle registration renewal – Without valid insurance, you can’t renew your Istimara (vehicle registration).

Methods to Check Vehicle Insurance Validity in Saudi Arabia

There are two main official ways to check your vehicle’s insurance status:

1. Through the Absher Platform

The Absher portal is the most reliable and widely used platform for all government-related services in Saudi Arabia, including checking vehicle insurance validity.

Steps:

  1. Log in to Absher

    • Go to the official Absher website: www.absher.sa

    • Select “Individuals” and log in using your username and password.

    • Complete the OTP verification sent to your registered mobile number.

  2. Navigate to Vehicle Services

    • From the dashboard, go to “Vehicles” under the “My Services” section.

  3. Select “Vehicle Insurance Information”

    • Choose the vehicle from your list (linked to your Iqama).

    • The system will display your current insurance status, including:

      • Policy number

      • Insurance provider

      • Coverage start and end dates

      • Vehicle details

Tip: Take a screenshot or save the details for your records.

2. Through the Najm Insurance Services Website

Najm is a government-authorized company that handles traffic accident reporting and insurance data. Their platform allows you to check insurance validity using your vehicle details.

Steps:

  1. Visit the Najm website: www.najm.sa

  2. Go to the Insurance Validity Inquiry section.

  3. Enter:

    • Vehicle sequence number (found on your Istimara)

    • National ID/Iqama number

  4. Click “Verify” and the system will show your insurance status.

Checking via Mobile Apps

Both Absher and Najm have mobile apps available on Google Play and Apple App Store, which make the process even faster.

  • Absher App – Offers full government service integration.

  • Najm App – Dedicated to insurance validity and accident reporting.

Common Reasons Your Vehicle Insurance May Be Invalid

Even if you’ve recently purchased a policy, sometimes the insurance might not show as valid in the system. Common reasons include:

  • Delayed policy activation – Insurance companies may take up to 48 hours to update the traffic system.

  • Expired policy – The end date has passed without renewal.

  • Incorrect vehicle details – A mismatch between the vehicle data and insurance record.

  • Unpaid installments – If your insurance is on installments, missing a payment can cancel your coverage.

Penalties for Driving Without Valid Insurance in Saudi Arabia

The Saudi General Department of Traffic imposes strict penalties for driving without valid insurance:

  • Fine: SAR 100–150

  • Possible vehicle impoundment

  • Ineligibility to renew your Istimara until insurance is updated

  • Liability for all accident costs

How to Renew Vehicle Insurance in Saudi Arabia

If your insurance is expired or about to expire, here’s how to renew it:

  1. Choose a licensed insurance provider – You can compare providers through Tameeni or InsuranceMarket.sa.

  2. Submit vehicle and driver details.

  3. Pay the premium online or through bank transfer.

  4. Ensure policy is updated in the traffic system – Your insurance company will send the data to Absher/Najm.

Tips for Expats to Stay Compliant

  • Set renewal reminders in your phone at least 2 weeks before expiry.

  • Check insurance after renewal to confirm it’s updated in the system.

  • Keep a digital copy of your policy in your phone.

  • Ensure your driving license and Istimara are valid – expired documents can complicate insurance claims.

FAQs About Vehicle Insurance Validity in Saudi Arabia

Q1: Can I check insurance validity without Absher?
Yes, you can use the Najm website or app.

Q2: How long does it take for new insurance to show in Absher?
Usually 24–48 hours after purchase.

Q3: Do I need insurance for a car I’m not driving?
Yes, all registered vehicles must have valid insurance, regardless of use.

Q4: Can I drive someone else’s insured vehicle?
Yes, as long as the insurance policy covers other drivers or you have their permission.

Conclusion

Checking your vehicle’s insurance validity in Saudi Arabia is simple and can save you from costly fines and legal problems. Whether you use Absher, Najm, or mobile apps, it’s a quick process that ensures you’re driving legally and safely.

As the Kingdom continues to modernize its systems under Vision 2030, staying informed about your insurance status has never been easier. Make it a habit to check regularly and renew on time—it’s a small step that brings peace of mind on the road.

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