Authorized Cooperative Insurance

Insurance
for the better
family life.

Comprehensive protection for everything you cherish. Shariah-compliant health, motor, and property coverage designed for complete peace of mind.

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Instant Najm & Absher Integration

Smart coverage
for your vehicle
& journey.

From mandatory Third-Party Liability to full Comprehensive cover with 24/7 roadside assistance across the entire kingdom.

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Council of Health Insurance (CHI) Certified

World-class health
care for your
loved ones.

Direct billing across premier hospitals and medical centers with seamless digital approvals and 24/7 telehealth support.

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Network Hospitals

SAMA & CHI Licensed

100% Shariah Compliant Takaful

Safe your money

Transparent policies, competitive rates, and zero hidden charges designed to maximize your long-term value.

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Compare policy coverage and get an accurate digital quotation in less than 2 minutes with instant policy issuance.

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Fast & reliable

Rapid claims approval with round-the-clock dedicated customer assistance and automated claim tracking.

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Years of
Experience

ABOUT COMPANY

We provide the best
insurance policy

Empowering individuals, families, and businesses across the Kingdom with dependable, ethical cooperative insurance solutions.

Refreshing to get such a transparent, personal touch.
Instant digital claim processing integrated with Najm & Absher.
100% Shariah-compliant cooperative framework backed by SAMA.

We believe that insurance should be simple, accessible, and prompt. Our dedicated claims team works tirelessly to ensure you receive immediate support whenever life takes an unexpected turn.

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Call to Our Experts
800 119 4444

OUR SERVICES

We’re covering all the
insurance fields

Tailored coverage designed to safeguard your health, vehicles, homes, and enterprises with seamless online policy management.

Vehicle Protection

Motor Insurance

Comprehensive and Third-Party Liability coverage with 24/7 roadside rescue and automated repair approvals.

Wellness & Care

Health Insurance

Expansive medical network coverage for families, individuals, and corporate teams with instant digital approvals.

Property Shield

Home Insurance

Protect your residence and valuables against fire, natural hazards, theft, and accidental structural damages.

Global Journey

Travel Insurance

Worldwide medical coverage, flight cancellation support, and lost luggage compensation for stress-free travel.

Corporate & SME

Business Insurance

Commercial property, public liability, business interruption, and cyber risk protection for all enterprises.

Future Security

Life Protection

Ensure long-term financial stability and education funds for your children through Takaful savings programs.

Freight & Cargo

Marine Cargo

Comprehensive sea, air, and land shipment coverages safeguarding global import-export trade logistics.

Industry & Build

Engineering Risk

Contractor’s all-risk and plant machinery protection tailored for mega development and infrastructure builds.

WHY CHOOSE US

Few reasons for people
choosing Walaa

With over 30 years of excellence, our focus remains on providing agile, digital-first insurance experiences with uncompromised integrity.

Fast & easy process

Complete digital onboarding in minutes from your mobile phone.

Control over policy

Manage, upgrade, and renew your coverage directly online anytime.

Save your money

No-claims bonus discounts up to 50% for safe drivers & loyal clients.

24/7 dedicated support

Expert claims response team ready around the clock for your safety.

99.4% Claims Settled

Recognized Kingdom-wide

Instant Digital Quotation

Receive your personalized policy summary in seconds.

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Get an insurance quote
to get started!

TESTIMONIALS

What our customers are
talking about

“Switching our corporate fleet to Walaa Insurance was the smoothest process ever. When one of our delivery vans had a minor accident, Najm was contacted and the claim was settled within 48 hours without any paperwork hassle.”

“The medical network coverage is extraordinary. We recently used the hospital direct-billing service in Riyadh for our daughter, and the hospital desk approved everything seamlessly through the digital card on my phone.”

“Outstanding customer assistance and fair pricing. Their online quote estimator gave us an exact figure that matched the final contract. Highly recommended for commercial property and marine freight!”

FREQUENTLY ASKED

Got questions?
We have answers.

Need Emergency Claim Assistance?

Our specialized rapid-response team is on standby 24 hours a day, 7 days a week to handle vehicular accidents and hospital authorizations.

Toll-Free Claims Hotline
800 119 4444

How do I submit a car insurance claim after an accident?

In the event of an accident in Saudi Arabia, immediately contact Najm (920000560) or Traffic Police (Moroor) to report the scene. Once you receive the Najm accident report number, submit your claim via our online portal or mobile app. Our team will verify and initiate workshop repairs directly.

What is Cooperative Insurance (Takaful)?

Cooperative insurance is a Shariah-compliant model regulated by the Saudi Central Bank (SAMA). Policyholders pool their contributions to protect each other mutually against shared risks, ensuring absolute transparency, ethical underwriting, and surplus distribution when applicable.

Can I transfer my No-Claims Discount (NCD) to Walaa?

Yes, absolutely! Through the centralized Najm database, your verified accident-free record is automatically recognized during quote calculation, giving you up to a 50% discount on comprehensive motor coverage.

How quickly can I receive my digital policy certificate?

Immediately after successful online payment via Mada, Visa, Mastercard, or Apple Pay, your policy document and schedule are emailed instantly, and your vehicle status is updated on Absher within minutes.

Insurance
for the better
family life.

Smart coverage
for your vehicle
& journey.