User guide - Al-Rajhi Bank · 5- Insurance and car accidents 5- Insurance and car accidents 5-6...

Car Lease Program

User guide

800 124 1222www.alrajhibank.com.sa

Welcome to our Car Lease Program

This guide was tailored to ease your car lease experience and answer any questions you might have during your lease period.

This is why we advise you to go through all the details and aspects described in this document and keep it in your car as a

reference whenever you need it.

3

Content

Article Subject Page

1 Introduction 4

2 Driving authorizations 4

2-1 Driving authorization inside Saudi Arabia 4

2-2 Driving authorization for additional driver 5

3 Traveling with the car outside Saudi Arabia 6

3-1 Traveling to Gulf countries 6

3-2 Traveling to Arab countries 7

4 Traffic violations 8

5 Insurance and car accidents 9

5-1 Insurance coverage 9

5-2 How to benefit from your insurance 9

5-3 Insurance policy renewal (Takaful Certificate) 10

5-4 Steps to follow in case of car accident 10

5-5 Steps to follow for accident car repairs 11

5-6 Total loss case 11

5-7 Steps to follow in case of car theft 12

5-8 Steps to follow in case of fire or natural disasters 13

6 Request for a spare key in case of its loss 14

7 Renewal of car license 15

8 Replacement of lost car plates or existing plates, or

request for a new plate number16

9 Car’s manufacture fault 16

10 Car preservation (maintenance, modifications, usage) 17

11 Car maintenance and warranty extension 17

12 Cancellation of the Lease contract 18

13 Owning the car at the end of the Lease contract 18

14 Owning the car during the Lease contract 19

15 Returning the car 20

16 Addresses and important numbers 21

54

2- Driving authorizations1- Introduction

Car Lease is a program whereby the Bank owns the car and leases it to you for an agreed upon period of

time and a specific monthly lease.

When the total monthly lease payments are settled according to the agreement and you decide

to own the car, we will transfer ownership of the car to you under the promise of the ownership

agreement.

2-1 Driving authorization inside Saudi Arabia

First time issuance of authorization:

The authorization for the first time is automatically

issued when you sign the Lease contract.

Renewal of authorization:

The authorization is renewed every 3 months,

whether for you or for any person you authorize to

drive the car (details on authorizing an additional

driver are mentioned in the next article).

Steps:

Visit the nearest Al Rajhi Bank showroom with

all the required documents, request renewal of

authorization and receive it immediately.

2-2 Authorization of additional driver

Who is eligible for authorization?

You can authorize one additional driver on

the condition that he has a valid Saudi driving

license and is between 18 and 60 years of age (for

individuals) and between 21 and 60 years of age (for

establishments/companies).

Steps for first authorization or renewal:

Visit the nearest Al Rajhi Bank showroom with

all the required documents, request renewal of

authorization and receive it immediately.

2- Driving authorizations

• Your valid driving license

• Your valid ID/Iqama

• The car insurance policy (Takaful

Certificate)

• A valid license for the authorized

person

• Your valid ID/Iqama

• A valid ID/Iqama for the authorized

person

Renew the authorization before

it expires to avoid cancellation of

insurance or issues with the Traffic

Department.

• Timely payment of the monthly

lease is a condition to renew the

authorization

• The driver’s age must be between 18

and 60 years (for individuals)

• The driver’s age must be between

21 and 60 years (for establishments/

companies)

• Timely payment of the monthly lease

is a condition to get the authorization





companies)

قـف

قـف

Important note

Required documents

Required documents

Important conditions

Important conditions

76

3- Traveling with the car outside Saudi Arabia3- Traveling with the car outside Saudi Arabia

3-1 Traveling to Gulf countries

You and the person you authorize can get an

authorization to drive in any of the Gulf countries.

Required permissions and documents to get

before you travel:

• Authorization to drive (from Traffic Department)

• Extension of insurance policy for Gulf countries

(Takaful Certificate)


1- Visit your nearest Al Rajhi Bank showroom with

all the needed documents

2- Get the insurance extension policy made for Gulf

countries from the showroom (requires specific

fees)

3- Get the letter addressed to the Traffic Department

from the showroom

4- Get the letter stamped by the Chamber of

Commerce

5- Take the stamped letter to the Traffic Department

to receive the authorization, which is valid for 3

months

3-2 Traveling to Arab countries (Syria, Lebanon

and Jordan)

You and the person you authorize can get a driving

license in other Arab countries.

Necessary permissions and documents required

before traveling:

• Authorization for driving in Arab countries

(Traffic Department)

• Extension of insurance policy for Arab

countries (Takaful Certificate)


1- Visit your nearest Al Rajhi Bank showroom with

all the needed documents

2- Get the insurance extension policy made for Arab

countries from the showroom (requires specific fees)

3- Get the letter addressed to the Traffic Department

from the showroom

4- Get the letter stamped by the Chamber of

Commerce

5- Take the stamped letter to the Traffic Department to

receive the authorization, which is valid for 3 months

Note: For non-Saudi customers, a “fine

guarantee for an individual or establishment/

company” is requested against the outstanding

finance balance. The guarantee is subject

to approval. After the guarantor fills in the

required form and submits the required

documents, which are:

For individuals: letter of introduction + ID

(Saudi nationality).

• Car Lease contract

• Your valid ID/Iqama and your valid

driving license (if the authorization is

for you)

• A valid ID/Iqama and a valid driving

license for the authorized person (if

you are authorizing another driver for

the car)


Certificate)

• Car Lease contract

• Your valid ID/Iqama and your valid

driving license (if the authorization is

for you)

• A valid ID/Iqama and a valid driving

license for the authorized person (if

you are authorizing another driver for

the car)


Certificate)

• If you are authorizing a driver,

understand who is legally authorized

to drive your car (read article 2-2)

• When you travel, always keep an

additional car key with you (read

article 6 for more details)

• If you are authorizing a driver,

understand who is legally authorized

to drive your car (read article 2-2)

• When you travel, always keep an

additional car key with you (read

article 6 for more details)

Important notesImportant notes

Required documents Required documents

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5- Insurance and car accidents

When you receive the car, make sure your name appears on the car license as the user of the

car. If it does not, inform the Al Rajhi Bank showroom (where you signed the Lease contract)

and request that your name be added as the car user.

Have your information updated on the Traffic Department website on www.moi.gov.sa

By doing this, you will receive an SMS on your mobile phone for any traffic violations committed

while the car is driven.

3- Traveling with the car outside Saudi Arabia

4- Traffic violations

Note (continued):

For establishments/companies: copy of

commercial register + Chamber of Commerce

subscription + ID of the establishments’ owner

+ an account statement of 6 months for the

establishment/company.

If the authorization is requested for someone

other than the customer, we need the

customer’s written approval on such a request.

5-1 Insurance coverage

The car is insured according to the Takaful Shariah

compliance concept and with the following

coverage:

• The leased car only (does not cover passengers or

properties)

• Second party of the accident (comprehensive

coverage)

For more information, please refer to the insurance

policy (Takaful Certificate) or call the insurance

company on 92000 4414.

5-2 How to benefit from your insurance

To benefit from the insurance coverage, always keep

the following documents with you, and make sure

they are valid.

• Valid driving license (for you and your authorized

driver)

• Valid insurance policy (details on updating the

insurance policy are in the next article)

• Copy of valid car license

• Valid driving authorization (for you and your

authorized driver)

We advise you to go through the insurance policy

(Takaful Certificate) carefully, to find important

information that will help you avoid many problems

and difficulties.

• Timely payment of the monthly lease

is a condition to get the authorization





companies)

• Do not commit traffic violations

• Adhere to the car usage purpose

(personal usage for individuals and

according to commercial activity for

establishments/companies)





companies)

قـف قـفImportant conditions Important conditions

92000 4414

Takaful Insurance customer service

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5- Insurance and car accidents5- Insurance and car accidents

• Your Car Lease contract

• Your ID/Iqama

• A valid driving license (for you and

your authorized driver)

• The insurance policy (Takaful

Certificate)

• The original driving authorization

(original)

• The original Traffic Department report

• The accident car repair quotation

• The accident car repair permission

(from Traffic Department)

• A copy of the car license and valid

original driving license

• The insurance claim number

• A filled in insurance claim form

Required documents in case of partial

or total mistake by third party:

• A copy of the other party’s insurance

• The original Traffic Department

estimates or “Sheik el-Maared”

estimate, or both

Make sure you renew your policy before

it expires in order to avoid problems with

the insurance company or the Traffic

Department in the case of a car accident

(God forbid).

You have to pay the accident claim fees

as per the insurance policy.

Important note

Important note

Required documents Required documents

5-3 Insurance policy renewal (Takaful

certificate)

First insurance policy:

Your first insurance policy is issued

automatically when you sign the contract and is

valid for one year from its date of issuance.

Insurance policy renewal:

The policy is renewed automatically. All you

have to do is visit your nearest Al Rajhi Bank

showroom before your policy expires and

receive the new one immediately.

5-4 Steps to follow in case of car accident:

1- Call Najm Company on 92000 0560 (and inform

the traffic authorities in case of injuries, death or

fire (God forbid))

2- When the Najm representative writes a report on

the accident, get a reference number from him

3- To get an insurance claim number, inform the

insurance company immediately after you get the

reference number

4- Follow the instructions you will receive from the

insurance company

5-5 Steps to follow for accident car repairs

To repair your car after damages from an accident,

you need to follow up with the insurance company

(92000 4414) and follow the required steps.

For more information, please check the insurance

policy (Takaful Certificate).

92000 4414

92000 441492000 0560



Najm Company customer service

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5- Insurance and car accidents5- Insurance and car accidents

5-6 Total loss case

In case of an accident where the car is considered to be a total loss or useless to repair (only the

insurance company can determine this case), the insurance company will inform you and the

compensation will be made to Al Rajhi Bank as the owner of the car. The Lease contract will be

terminated based on the remaining lease amount.

5-7 Steps to follow in case of car theft

In case of car theft, follow the steps below:

1- Inform the police and receive a theft report

2- Inform the insurance company and get a claim

number

3- Follow the instructions given to you by the

insurance company

5-8 Steps to follow in case of fire and natural

disasters

In case of car damage from fire or a natural

disaster, follow the steps below:

1- Inform the Civil Defense Department (Fire

Department) and receive a damage report

2- Inform the insurance company and get a claim

number

3- Follow the instructions given to you by the

insurance company

• The police theft report


• A copy of the car license and the



• The Civil Defense damage report


• A copy of the car license and the



You have to pay the accident claim fees

as per the insurance policy.

• Never leave the car in drive mode and/

or keep the key inside

• In case of accident, turn off the engine

and keep the key with you

• Do not install any additional accessories

or parts that may cause damage or fire

• Do not use fake spare parts that may

cause damage or fire

قـف

قـف

Important note

Required documents

Required documents

To avoid claim rejection

To avoid claim rejection

92000 4414

92000 4414

998

999



Civil Defense Department

Police number

1514

7- Renewal of car license6- Request for a spare key in case of its loss

If you lose the key, without having an additional one,

you will have to wait for a time and bear the cost of a

new one. You also need to follow the steps below:

1- Visit the nearest Al Rajhi Bank showroom to

request the spare key

2- Return the key to the showroom, as soon as you

have the additional one from the car dealer

As soon as you receive your car, we strongly advise you to request an additional key

from the car dealer to avoid money loss and hassle in the event you lose the original

key. The additional key cost is at your expense.

• When you travel between cities in

Saudi Arabia or to places outside

Saudi Arabia, make sure you have the

additional key

• When you travel, do not keep the

additional key inside the car. Keep

it either with you or with one of your

travel companions

قـفTo avoid claim rejection

To renew the car license, follow the steps below:

1- Complete the car inspection by the Motor Vehicle

Periodical Inspection Department

2- Visit your nearest Al Rajhi Bank showroom to

request license renewal

3- Receive the new car license after 14 working days

Note: We pay the first exam fee only (the

re-exam fee in case of failure and the consequent

maintenance and/or spare parts costs to pass the

exam are on your charge).

• The Car Lease contract

• The vehicle inspection certificate

• A valid driving license (for you or your

authorized driver)

• The valid insurance policy (Takaful

Certificate)

• A valid driving authorization (for you

or your authorized driver)

• A copy of the car license

Required documents

Important notes

Important note

• As soon as you receive the car, request

a letter from your nearest Al Rajhi Bank

showroom and take it to the car dealer

for the issuance of an additional key

• Keep the additional key in a safe place

at home where you can find it in case

you lose the original one

• Issuing an additional key may require

you to bring the car to the car dealer (to

encode or program the additional key)Start the steps to renew the car license

30 days before it expires. This will ensure

enough time for the renewal process and

will help you avoid the penalty of license

expiration.

1716

You must do all the maintenance needed for the car

and as per the car dealer maintenance schedule.

The scheduled maintenance costs or other

maintenance costs are charged to you.

Warranty extension:

The car is subject to the dealer warranty only. We

offer an extension of the warranty, which is the

same one offered by the dealer, but extended to

cover the whole lease period of up to 5 years or a

maximum 200,000 kms.

11- Car maintenance and warranty extension

10- Car preservation (maintenance, modifications, usage)8- Replacement of lost car plates or existing plates, or request for a new plate number

In case of car manufacturer fault, which is not a result of car misuse, follow the steps below:

1- Inform the car dealer and get a report on the manufacturer fault

2- Visit your nearest Al Rajhi Bank showroom and inform us about the fault

3- We will follow-up on the case with the car dealer and let you know the procedures depending on the

nature of the fault

Since the car is under a Lease contract, and since the ownership will be transferred to you when the

contract ends (by settling all the monthly lease payments), preserving the car is to your own benefit and

helps you avoid potential problems during the lease.

Periodical maintenance:

Follow the maintenance schedule that is defined by the car dealer to avoid mechanical failures or delays.

Also, maintaining the car periodically preserves the car’s performance and sale value.

Car modifications:

Do not make any modifications or add mechanical or electrical parts to the car or its body in order to

avoid violation of terms and conditions, and the insurance and dealer warranty cancellation, in addition

to the cancellation of extended warranty.

Examples of modifications:

Body color change, installation of additional lights, modifying the engine or other mechanical parts.

Car misuse:

Do not lease the car to a third party and adhere to the car usage purpose (personal usage for

individuals and according to commercial activity for establishments/companies). Also, do not allow any

unauthorized person to drive the car.

9- Car manufacturer fault

To request the replacement of lost car plates

or the replacement of existing ones, follow the

steps below:

1- Inform the police and get a report (only for the

case of lost plates)


request replacement plates

3- Pay the required fee (at the showroom)

4- Receive replacement plates after only 5 working

days from the showroom

Request for a new plate number:

To request a new plate number, you need to

request approval from us and we have the right to

approve or reject. In case we approve, you need

to sign a promise stating you will not request any

compensation if you do not end up owning the car

for any reason. You also need to follow the same

steps mentioned above.

• The police report (only for the case of

lost plates)

• Your ID/Iqama

• A valid driving license (for you and

your authorized driver)

• A valid insurance policy (Takaful

Certificate)

Required documents

Important notes• The warranty extension is only

applicable to cars leased to individuals

(not to cars leased to establishments/

companies)

• Adherence to the dealer maintenance

schedule is a condition for warranty

extension

• The waranty extension ends when

the Lease contract ends and when car

ownership is transferred to you

1918

14- Owning the car during the Lease contract12- Cancellation of the Lease contract

If the car license and the car plates are issued, you cannot cancel the contract. However, cancellation

will be treated as car return. In this case, the calculation of the remaining amount you have to pay is

based on the principle of rent, with a minimum of 90 days rent fees, and according to article 2 of the

Lease contract. Also, the contract cancellation is subject to our approval.

13- Owning the car at the end of the Lease contract

When you settle all the monthly lease payments

and you want to own the car, follow the steps

below:


request car ownership transfer to you

2- Pay the Traffic Department fees (ownership

transfer fees) and the related administrative fees

3- Get your car insured (you can also renew your

existing insurance at Al Rajhi Takaful)

If you want to own the car during the Lease

contract, you must settle all outstanding

payments according to the terms and

procedures of Al Rajhi Bank. To own the car,

follow the steps below:

1- Call our phone banking on 92000 3344 (from

landline or mobile)

2- Choose early settlement of payments and follow

the voice instructions (make sure you have the

amount needed in your account)


request car ownership transfer

4- Pay the Traffic Department fees (ownership

transfer fees) and the related administrative fees

5- Get your car insured (you can also renew your

existing insurance at Al Rajhi Takaful)

• Your ID/Iqama

• The car insurance policy

• The vehicle inspection certificate (if

the car manufacturing date is more

than 2 years old)

If you need to transfer ownership to

another person:

• You and the other person should be

present to sign the waiver

• ID/Iqama of the other person

• Your ID/Iqama

• The car insurance policy

• The vehicle inspection certificate (if

the car manufacturing date is more

than 2 years old)

If you need to transfer ownership to

another person:

• You and the other person should be

present to sign the waiver

• ID/Iqama of the other person

Required documents

Required documents

Important notes

Important notes

• Car insurance ends immediately when

the Car Lease contract ends

• Request the transfer of the car

ownership to you directly after the

last monthly lease, as the insurance

coverage ends immediately after the

last monthly lease

• Early settlement of car lease payments

is only available through our phone

banking

• You can register in phone banking by

calling 92000 3344 and following the

voice instructions

• Request the transfer of car ownership

to you directly after the last monthly

lease

• The insurance coverage ends

immediately after the last monthly

lease

2120

Al Rajhi Bank

Phone banking: 92000 3344 (from landline or mobile)

Al Rajhi Bank showrooms

Takaful Insurance Company

Customer service: 92000 4414 (from landline or mobile) - E-mail: [email protected]

Important numbers

Najm Company

Police Department

Traffic Department

Civil Defense

Red Crescent

RiyadhJeddah

Dammam

Riyadh

Jeddah

Dammam

Al Madina

Abha

Tabouk

Al Qassim

Hafr el Baten

Al Ihsa

Jazan

Najran

01 227 0988

02 287 2717

03 805 7795

04 842 3839

07 227 7860

04 426 0444

06 385 5020

03 721 5647

03 530 849103 530 8492

07 321 2182

07 544 092007 544 1691

Khuraiss road - exit 30

Tahlia road - west of Al Ahli Club

Awal street - east of Waha Compound - facing Al Jaffali Towers

Airport road - Mujahdeen area - in front of the National

Guard Medical Services

Abha road - going to Khamis Mushait - behind Airport highway

Madina road

Madina road - next to Al Issa company - in front of Al Dubeykhi Hotel

Main entrance of Hafr el Baten city

Zahran street - destination Dammam - in front of Al

Moussa Hospital - next to Al Jabr Car Company

Airport area - Jazan main road

Ethiopian district- airport road

Car Warranty Extension Company “GAP”

16- Addresses and important numbers

92000 0560

999

993

998

997

01 477 861302 668 432403 882 5357

15- Returning the car

If you decide to return the car before the end of the Lease contract, the monthly lease will be calculated

according to article 2 of the contract, and the extra mileage fee will be added (if the mileage limit is

exceeded) as clarified in the contract. Then, we will subtract the amounts you paid during the lease and

you pay us the difference, if any.

We advise you check with us all the available exit options before returning the car, by calling our

customer service and understanding all your due amounts according to each option.

Steps for returning the car:

1- Visit your nearest Al Rajhi Bank showroom and

request to know all the due amounts

2- Submit the car status report from the car dealer

stating that the car is clear of any damages or

breakdowns, otherwise you must repair any

breakdown or damage before you return the car

3- Submit the traffic clearance report that clears the

car of any traffic violations

4- Submit the car to the showroom

5- Make sure you have the due amount available in

your account with us

6- The Lease contract will be terminated on the day

you deliver the car

7- Get a clearance letter from the showroom

Note: Additional fees are to be charged for extra

miles, as per the Car Lease contract.

• The Car Lease contract

• Your ID/Iqama

• The insurance policy (Takaful

Certificate)

• The car status report (from the car

dealer)

• The traffic clearance report

Required documents

Important notes

• Make sure the car license and the

vehicle inspection report are valid to

avoid late renewal penalty fees when

you return the car

• Make sure your name as the car user

is canceled at the Traffic Department

after you return the car, in order to

avoid any future violation made by

others (you can check if your name

is canceled at the Al Rajhi Bank

showroom)

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