Every vehicle comes with basic insurance.
In case of accident:
- If you are not at fault, as per valid Najm report, you do not have anything to pay.
- If you are at fault and you have a valid Najm report, you will only have to pay the excess insurance as per the report. The insurance does not cover tyres and windshield damages. The absence of Najm report will incur full charges of the repairs.
Note: If you have applied for Full Insurance (SCDW) then you will exempt from paying any insurance excess, provided you have a valid Najm report.

Please write to us on the chat bot on your Swapp application or email the report within 24 hours and damage photos to [email protected]