New Car Buying Guide: Steps and Tips Before You Sign

If you are involved in a traffic accident, God forbid, start with safety: stop in a safe place, turn off the engine and switch on the hazard lights, place the reflective triangle at a safe distance, then photograph the accident from all directions and have your ID, driving licence and vehicle registration (istimara) ready. Then report to Najm on the toll-free number 199033 if there are no injuries and at least one party to the accident holds a valid insurance policy. If there are injuries, or an insurance policy is not available for every party to the accident, call the traffic police on 993, and call the ambulance on 997 when there are injuries. Below are the Najm reporting steps as the company publishes them, the cases it does not handle, and what to check on your car after the accident.

What should you do in the first minutes after a traffic accident?

Your safety and the safety of those with you come before anything else. Najm's car accident advice page (in Arabic) summarises the first steps as follows:

1. Before getting out of the vehicle, make sure that leaving it will not put you in danger, and keep away from the lane of passing cars.
2. Turn off the vehicle's engine and switch on the hazard lights to warn other drivers.
3. If you have a reflective triangle, place it at a safe distance from the vehicle.
4. Check on the people with you and those in the other car; if there are injuries, call the traffic police on 993 and the ambulance (Red Crescent) on 997.
5. Stay at the accident scene and wait for the response teams to arrive, and avoid acting on any personal opinions or assessments from bystanders.

Najm's guidance explains that staying at the scene protects your rights and the rights of others, and that leaving it may expose you to additional violations and fines. If a fire breaks out, God forbid, it advises using the fire extinguisher safely, not using water to put the fire out, and turning off the engine and getting out of the vehicle.

 

What are the Najm reporting steps after an accident?

Najm's accident reporting procedures page (in Arabic) sets out what is needed to report after stopping in a safe place:

1. Making sure there is valid insurance from a licensed insurance company.
2. If the accident results from natural disasters or fire, you must have comprehensive insurance on the vehicle to report it to Najm.
3. Preparing the official documents: ID, driving licence and vehicle registration (istimara).
4. All parties involved in the accident must be present.
5. Reporting the accident through one of Najm's channels, including the toll-free number 199033.

The company states that the Najm investigator uses a body camera to document the facts of the accident to protect the rights of all parties, and that it handles accidents without charging the parties to the accident. It also offers the Najm smartphone app for faster electronic procedures.

These procedures may be updated from time to time, so confirm the latest steps on Najm's website or official app before relying on them.

 

When should you call the traffic police instead of Najm?

Najm does not handle every accident; according to its official page, it does not take on the following cases:

• No valid insurance for all parties to the accident.
• An accident caused by natural disasters or fire when the vehicle has third-party insurance rather than comprehensive cover.
• Injuries or a death, God forbid.
• Criminal accidents.
• One of the parties is absent or has fled the accident scene.
• Accidents that happen outside the cities or geographic areas Najm covers.

These accidents can be reported to the authorities Najm lists. These are the contact numbers on its pages:

Authority	Number	What Najm's guidance says
Najm (toll-free number)	199033	Reporting the accidents Najm handles
Traffic Accidents	993	When there are injuries, or an insurance policy is not available for every party to the accident
Ambulance (Red Crescent)	997	When there are injuries
Unified Operations	911	Listed for accidents Najm does not handle
Civil Defense	998	Listed for accidents Najm does not handle
Road Security	996	Listed for accidents Najm does not handle

 

How do you document the accident and the damage with photos?

Najm advises photographing the accident from all directions so you can refer to it when needed. To make the photos genuinely useful, take them in this order, without standing in the traffic lane:

• A wide shot from a distance showing where the cars are on the road, the lanes and nearby signals.
• Photos of each car from the front, rear and both sides, then close-ups of every damaged area however small, such as the bumper, lights, wheels and mirrors.
• A photo of the number plates of the vehicles involved, and of any parts scattered on the ground.
• A photo of the ground under your car if you notice a fluid leak.
• A photo of the dashboard if warning lights come on after the accident.
• Keep the photos unedited, note the time and place of the accident, and photograph the damage again when the car enters the workshop.

 

What should you check on your car after a minor accident before driving on?

Once the procedures are finished, do not assume the car is sound just because the visible damage is small; a light impact can affect parts behind the bumper or the tyres. Check the following with the car parked in a safe place:

1. Lights and indicators: switch on the headlights, rear lights, indicators and brake lights, and make sure they work and their lenses are not broken.
2. Tyres and wheels: look for a cut or bulge in the tyre sidewall, a bent wheel, or a tyre rubbing against the wheel arch when you turn the steering.
3. Leaks: look under the car, as radiator coolant, oil or a smell of petrol is a sign not to drive.
4. Dashboard warning lights: start the car and notice whether a warning light stays on, such as the temperature, airbag or brake light, and learn its meaning in the guide to dashboard warning lights and their meanings.
5. Body and doors: make sure the bonnet, boot and doors close properly, the mirrors are secure, and no part is hanging loose that could fall off while driving.
6. The first short distance: drive slowly in a safe place, and notice whether the steering pulls to one side, or unusual vibrations or rubbing noises appear.

If the airbags deployed, you notice a leak or a smell of fuel, a red light stays on, or the steering feels abnormal, do not keep driving, and ask for a tow truck to take the car to the workshop.

 

Why might sensors and cameras need calibration after a repair?

Many modern cars place radar and parking sensors in the bumper or behind the front grille, and the driver assistance camera behind the windscreen. So repairing or replacing the bumper, replacing the windscreen, or adjusting the wheel alignment after an accident can change the angle of these sensors even slightly, and they then need calibration according to the manufacturer's instructions.

• Ask the workshop before the repair: does the work include calibrating the sensors and camera after fitting?
• After collecting the car, notice whether an error message appears for the assistance systems, warnings appear where they should not, or the parking sensor alerts disappear.
• Do not rely on the assistance systems after the repair until you are sure they work normally.

You will find an explanation of these systems, the limits of their sensors and when they need calibration in our article on ADAS driver assistance systems.

 

What should you follow up with Najm and the repair workshop after an accident?

Najm's website offers services to follow up an accident after it has been handled, including:

• Viewing your accidents and their details.
• Issuing reports and documents.
• Amending the accident data.
• Objecting to the accident liability ratio, or adding damage or a party.
• Browsing your insurance record and the information it provides about your claims, accidents and vehicles.

When the car is repaired, keep a copy of the report and photos of the damage before and after the repair, and review the quality of the bodywork and paint when you collect it; our article on what it means when a car has been repaired helps you notice colour differences and uneven gaps between panels.

 

What are the common mistakes after a traffic accident?

• Getting out of the car into the traffic lane, or standing behind it without switching on the hazard lights and placing the reflective triangle.
• Leaving the scene before the response teams arrive or before all parties are present.
• Taking only a close-up of the damage without wide shots showing where the accident happened.
• Driving on despite a leak or a red warning light.
• Not having a fire extinguisher and a first aid kit in the car, both of which Najm advises keeping.

 

Frequently asked questions about traffic accidents and Najm reporting

1. Do the parties to the accident pay for Najm to handle it? No, the company states that it handles accidents without charging the parties to the accident.
2. Which documents are needed for the report? Your ID, driving licence and vehicle registration (istimara), and all parties to the accident must be present.
3. Does Najm handle an accident caused by fire or a natural disaster? This requires comprehensive insurance on the vehicle; if it only has third-party cover, this is one of the cases Najm does not handle.
4. What do I do if the other party flees the accident scene? A party being absent or fleeing is one of the cases Najm does not handle, and you can report through the authorities it lists, such as Unified Operations on 911 or Traffic Accidents on 993.
5. How can I make sure a used car I plan to buy has not had a serious accident? Ask the seller about the car's history, have it inspected by a trusted inspection centre, look for signs of bodywork and paint repairs, and follow our vehicle inspection tips before buying a used car.

 

In short: your safety first, then the hazard lights and the reflective triangle, then the photos and documents, then reporting through Najm on 199033, or calling the traffic police on 993 when there are injuries or an insurance policy is not available for every party. Do not keep driving before checking the lights, tyres, leaks and dashboard warning lights, and make sure the sensors are calibrated after a bumper or windscreen repair.

Vehicle ownership transfer in Saudi Arabia is done electronically through the vehicle sale service on the Absher platform, without visiting traffic offices: the seller enters the buyer's ID number and date of birth, the agreed sale price and the seller's bank account; the buyer then receives a notification of the request within one hour and accepts or declines it, transfers the price through Absher's secure payment system, insures the vehicle and pays the fees, and once the car is received, checked and the delivery is confirmed on Absher, ownership is officially transferred. Both parties must be registered on Absher, the vehicle registration (istimara), periodic inspection and insurance must be valid, and there must be no violations on the buyer or the vehicle.

What is the vehicle ownership transfer service on Absher?

The Ministry of Interior offers the vehicle sale service through the Absher platform, and the National Platform describes it as a service that enables individuals to sell their private vehicles and transfer ownership electronically after its dues are cleared, after reaching an agreement with the buyer and completing all required procedures, including vehicle inspection to ensure compliance with conditions, registering the vehicle under the buyer's identity, and issuing the vehicle registration license.

• Target audience: individuals, both citizens and residents.
• Service channels: the Absher website and its mobile app.
• Service duration according to the National Platform: immediate.
• Payment method: the car's price is transferred through Absher's secure payment system, and the service page on Absher explains that payment goes to an intermediary account dedicated to the service, which ensures the amounts are documented and the vehicle is received.

Procedures and conditions may be updated from time to time, so confirm the latest steps on the Absher platform or the National Platform before you start.

 

What are the conditions for selling a vehicle on Absher?

Before the seller starts the request, both parties should review the conditions listed on the service page on Absher, as failing to meet any of them may stop the sale:

• Both the seller and the buyer must be registered on the Absher platform.
• The vehicle must be in sound condition and not suspended, lost, wanted or impounded.
• The vehicle registration license (istimara) must be valid.
• The vehicle must have a valid periodic inspection.
• The vehicle must have valid insurance.
• There must be no violations on the buyer or on the vehicle.
• The agreed price must fall within the limits set by the service, and the vehicle must be of a type the service allows to be sold.
• Government fees are paid through the government payment system (SADAD).

The page also mentions limits on the number of vehicles of certain types that a resident may own, so review them on Absher if the buyer is a resident. If the periodic inspection is close to expiring, prepare the car early using the checklist on how to prepare your car for the periodic inspection.

 

What are the seller's steps to transfer car ownership on Absher?

After agreeing with the buyer on the price and other terms, the seller starts the request with these steps, as set out by the National Platform:

1. Log in to the Absher platform.
2. Go to vehicle services, then choose the vehicle sale service.
3. Select the vehicle you want to transfer from the list displayed.
4. Enter the buyer's information: ID number and date of birth.
5. Enter the agreed-upon sale price.
6. Add the seller's bank account details where the proceeds of the sale will be deposited.
7. Carefully review the entered information, then confirm the request.
8. Wait for the buyer's response: the buyer receives a notification of the transfer request within one hour and can accept or decline it.
9. Once the buyer accepts the sale, both parties complete the delivery of the vehicle and the payment through Absher's secure payment system before the transfer is confirmed.

 

What does the buyer do to complete the sale?

Ownership does not pass to the buyer until they complete their steps on the platform, which according to the National Platform are:

1. Review the Absher notification about the vehicle transfer request, and accept it within one hour if you agree.
2. Carefully review the vehicle information and sale price before confirming your acceptance.
3. Transfer the agreed amount to the seller's account through Absher's secure payment system.
4. Insure the vehicle before the ownership transfer is completed.
5. Pay the government fees and the Absher fees.
6. Receive the vehicle and check it, then confirm delivery through Absher.
7. Upon confirmation, the vehicle ownership is officially transferred from the seller to the buyer.

 

How do the seller's and buyer's tasks differ?

The table below summarises the role of each party at every stage of the sale:

Stage	Seller	Buyer
Before starting	Agree on the price and terms, and check the istimara, periodic inspection and insurance are valid	Register on Absher and make sure there are no violations on them
Creating the request	Enter the buyer's ID, date of birth, price and bank account, then confirm	Wait for the Absher notification
Responding	Wait for acceptance or refusal	Review the details and accept or decline the request within one hour
Payment	Receive the price in the bank account entered in the request	Transfer the price through Absher's secure payment system
Insurance and fees	The platform lists no step for the seller at this stage	Insure the vehicle and pay the government fees and Absher fees
Delivery	Hand the vehicle over to the buyer after they accept the sale	Receive and check the vehicle, then confirm delivery on Absher

 

How do you transfer car ownership between family members?

If you are handing your car over to a family member, Absher has a separate service called vehicle ownership transfer between family members, which allows vehicle ownership to be waived between family members electronically once the current owner and the new owner agree. The National Platform lists its steps as follows:

1. Log in to the Absher platform, then select the required vehicle and the service dedicated to this.
2. Select a first-degree family member: father, mother, brother, sister, husband, wife, son or daughter.
3. Enter the confirmation code sent to the new owner's phone.
4. Pay the service fees.
5. The vehicle ownership is transferred to the new owner in the traffic systems after all requirements are met.

 

What practical checks protect the seller and buyer before the sale?

The platform organises the procedure, but it does not replace inspecting the car yourself; the service page on Absher states that the sale takes place after the vehicle has been viewed and inspected and the seller and buyer have agreed. Here are practical tips before accepting the request:

• Match the chassis number (VIN) on the car with the istimara and the vehicle details shown in the request; the article on what the VIN characters mean explains where to find it.
• Inspect the car in daylight and try the engine, transmission, air conditioning and tyres, or ask for a pre-purchase inspection at an independent inspection centre; you will find a wider list in vehicle inspection tips before buying a used car.
• Look for signs of accidents and differences in paint shade between panels, and read what it means when a car has been repaired before you decide.
• Check for violations through official channels such as Absher before starting the request, because the service requires no violations on the buyer or the vehicle.
• Agree in advance on what the sale includes, such as the spare key, accessories and the service record if there is one.
• Keep a private record of the agreement for yourself: the agreed price, the request date and screenshots of the request, and do not share these details publicly.

 

What are the common mistakes in car ownership transfer?

• Starting the request before clearly agreeing on the price and other terms.
• Entering the buyer's ID number, date of birth or the sale price without careful review before confirming.
• Creating the request at a time when the buyer is not available, although the steps ask the buyer to review and accept it within one hour.
• Overlooking the expiry date of the istimara, periodic inspection or insurance until the request stalls after the deal is agreed.
• Transferring the price outside Absher's secure payment system, although the service steps state that payment is made through it.
• Confirming delivery on Absher before actually receiving and checking the car.

 

Frequently asked questions about car ownership transfer

1. Do I need to visit the traffic department to transfer car ownership? According to the National Platform, the vehicle sale service is completed electronically through Absher without the need to visit General Traffic Department offices.
2. How long does the ownership transfer take? The National Platform describes the service duration as immediate; the buyer receives the request notification within one hour, and the sale is complete once both parties finish their steps and the buyer confirms delivery.
3. Who pays the ownership transfer fees? The National Platform lists paying the government fees and Absher fees among the buyer's steps; check their current amount on the platform before you start.
4. Can the sale be cancelled after the request is created? The buyer can decline the request when the notification arrives, and the service page on Absher states that in case of disagreement or unwillingness to continue, the sale can be cancelled before it is completed, according to the stage set by the platform.
5. Does the buyer need insurance for the car? Yes. One of the buyer's steps is to insure the vehicle before the ownership transfer is completed.

 

Transferring car ownership through Absher is a clear process if you prepare for it: check the conditions, agree on the price, inspect the car before accepting, pay through the platform's secure payment system, and do not confirm delivery before checking the car. If you are looking for your next car, you can browse the cars available at Saleh Cars Group.

The difference between the two types of car insurance in Saudi Arabia is that third-party insurance, which is the compulsory insurance, compensates the third party for the physical and material damage your vehicle causes and does not cover your own car, while comprehensive insurance compensates you for damage or loss to your car, including fire, theft, floods and hail, and also includes liability towards third parties. Here we explain what each type covers and excludes as stated in the official documents, what the deductible means, and how to choose the right policy.

What is the difference between comprehensive and third-party insurance in brief?

These are the main differences as stated in the Saudi Central Bank documents; the details follow in the next sections:

Item	Third-party	Comprehensive
Status	Compulsory	Not compulsory; includes third-party liability cover
Physical and material damage to third parties	Covered within the policy limits	Covered as per the unified policy
Damage to your car in an accident you cause	Excluded	Covered after deducting the deductible
Fire, theft, floods and hail	Not covered for your car	Included
Towing your damaged car and storing it	Not provided for	Included up to the amount stated in the schedule
Death or injury of the driver	Excluded	An optional cover offered before the policy is issued

 

What does third-party (compulsory) insurance cover?

The Unified Compulsory Motor Insurance Policy sets the minimum limit of civil liability cover towards third parties. If an accident occurs within the borders of the Kingdom and causes damage that is not excluded, the insurer compensates the third party for what the insured, the driver or the person responsible for the accident is liable to pay for:

• Physical damage to the third party inside or outside the vehicle: death or physical injuries, including total or partial disability, whether permanent or temporary.
• Material damage to property belonging to the third party.
• Expenses borne by the third party due to damage not excluded in the policy.

A third party is anyone who suffers damage that is not excluded, other than the insured or the driver responsible for the accident; so this insurance protects others from your mistakes and does not repair your car. Subject to the exceptions, the insurer may not refuse to compensate the injured party because of a violation committed by the driver, but it keeps the right to recover from them in cases set out in the policy, such as driving against traffic, running a red light, and driving without a licence suitable for the type of vehicle.

 

What does third-party insurance not cover?

Cases the unified policy excludes from compensation include:

• Loss of or damage to the insured vehicle, property of the insured or the driver, and goods carried in it.
• Death or physical injury of the insured or the driver.
• Using the vehicle in races or to test its speed or power, and car drifting.
• A deliberate accident, or giving inaccurate information or concealing material facts in the insurance proposal form.
• Fines and financial penalties, and the driver fleeing the accident scene without an acceptable reason.
• Driving under the influence of drugs or alcohol, and natural disasters such as hurricanes, earthquakes and floods.

 

What does comprehensive motor insurance cover?

According to the Comprehensive Motor Insurance Rules, the company compensates the insured for any risk causing damage or loss to the vehicle, including fire, theft, lightning and natural disasters such as floods and hail, in addition to third-party civil liability as per the unified policy. Compensation works as follows:

• Partial loss: the company bears the cost of repair at the repairing party stated in the schedule (the agency or an approved repair shop), and the cost is determined by the competent entity in charge of motor accident damage appraisal.
• Technical total loss (a car that cannot be repaired to a state legally fit for driving) or economic total loss (repair is costly according to the percentage agreed in the schedule): compensation is the sum insured without deducting the company's expenses.
• The company does not deduct any amount from the compensation for the use or wear of the vehicle before the accident.
• Towing the damaged vehicle and storing it after a covered accident, up to the amount stated in the schedule.
• If another party caused the damage, your insurer compensates you first and then claims against that party or its insurer.

Before issuing the policy, the company must offer you optional covers: renting a replacement vehicle, roadside assistance, death, injuries and medical expenses of the driver or named driver, and accidents outside the Kingdom; any you decline become excluded.

 

What does comprehensive insurance not cover?

The main exclusions in the rules include:

• Driving without a licence suitable for the type of vehicle, or with a licence that was withdrawn or has expired unless it is renewed within the set period.
• Compensation that is less than or equal to the deductible stated in the schedule.
• An accident while the vehicle is driven by someone other than the driver or the named driver.
• Manufacturing defects, and damage resulting from use or from mechanical or electrical malfunctions.
• Damage to or theft of tyres, rims, wheel covers or exterior mirrors, unless it happened at the time of a covered accident.
• Theft caused by leaving the vehicle running, leaving the keys in it, or not closing the windows and locking the doors.
• Accessories not fitted by the manufacturer, unless their type and value are explicitly stated in the policy.
• Car drifting, running a red light or driving against traffic, if the competent body's report proves it caused the accident.
• Driving in desert areas and on unpaved roads unless inside the city.

The company and the insured may agree to waive any exclusion unless that conflicts with the law, so ask about the ones that matter to you before signing.

 

What is the deductible in comprehensive insurance?

The rules define the deductible as the amount borne by the insured for any claim as stated in the policy schedule, and they control how it is applied:

• It is set by the insured in agreement with the company.
• It applies only to damage to the vehicle, not to third-party civil liability claims.
• It is calculated in proportion to the driver's share of liability if they are partly liable, and it is not charged if they are not liable according to the report of the competent body attending the accident.
• It applies once per accident, even if several claims result from it.
• It stays fixed throughout the policy period, whatever the type of accident or the value of the compensation.

In practice, it is what you will pay out of your own pocket in every accident you are liable for, so compare offers by it as well, not by the policy cost alone.

 

How do you choose car insurance that suits your car and your use?

The decision depends on whether you could bear the cost of repairing or losing your car yourself, so review these factors:

• The car's age and value: losing a new or high-value car is harder, and comprehensive cover compensates at the sum insured in a total loss; so make insurance part of your budget as in the new car buying guide.
• A used car: insurance does not cover manufacturing defects or malfunctions, so inspect it before buying and read our vehicle inspection tips before buying a used car, and make sure the sum insured reflects its fair value.
• Financing: if the car is financed, ask the finance provider which type of insurance the contract requires before signing; to compare the two ways of paying, read buying a car with financing or cash.
• Who drives the car: comprehensive cover applies to the insured and relatives such as parents, spouse, children and siblings, the domestic worker or someone working for the insured under an employment contract, and the named driver in the schedule; so add any other driver.
• How you use it: if you go on desert trips, ask about the exclusion of desert roads, and remember that accidents outside the Kingdom are an optional cover.

 

What should you check in the policy schedule before you pay?

The policy schedule is an integral part of the policy, so check:

1. Insured and vehicle details, and match the chassis number and plate with the vehicle registration card.
2. The type of cover, not the marketing name; the rules forbid describing third-party products with additional benefits as comprehensive insurance.
3. The coverage period, with its start and end dates and times.
4. The sum insured, the deductible, and the percentage at which the vehicle is considered an economic total loss.
5. The repairing party (agency or approved repair shop) and the towing and storage cover limit.
6. Named drivers, and the use restrictions and purpose of use.
7. The optional covers you accepted or declined.
8. Additional vehicle details, such as modifications and where it is parked at night, and make sure they are correct; and notify the company of any change in material facts within the set period.

These provisions may be updated, so confirm the latest version on the official website of the Insurance Authority, and the terms of your policy with a licensed insurance company.

 

Frequently asked questions about comprehensive and third-party car insurance

1. If someone else hits me and I only have third-party insurance, who repairs my car? You are the third party under the at-fault driver's policy, so their insurer compensates you for the material damage as per the unified policy. If you are at fault, your policy does not cover your car.
2. Do I need two policies with comprehensive insurance? The rules state that comprehensive insurance also covers civil liability towards third parties as per the unified policy, so it combines both protections in one policy.
3. Is a third-party policy with additional benefits considered comprehensive? No. The rules forbid naming or describing such products in any way as comprehensive insurance, so read the written covers, not the product name.
4. Does third-party insurance cover flood or fire damage to my car? No, it does not cover your car at all, and natural disasters are among its exceptions. Najm requires comprehensive insurance on the vehicle to report an accident caused by natural disasters or fire.
5. Can the policy be cancelled when I sell the car? Yes. Transfer of the vehicle's ownership is one of the cancellation cases under both policies, along with cancellation of its registration and the existence of an alternative policy, and the insured is refunded the amount due for the remaining period according to the calculation method set in the policy.

 

In short: third-party insurance is the compulsory minimum that protects others from damage caused by your vehicle, and comprehensive insurance adds protection for your own car in return for a deductible you agree on. Choose according to your car's value, its financing and how you use it, and read the policy schedule before you pay. If you are looking for your next car, you can browse the cars available at Saleh Cars Group.

Should you buy your car in cash or with financing? Paying cash usually means you pay the lowest total amount and own the car immediately with no monthly commitments, but it can drain your savings. Financing lets you get the car now and spread its price over installments, but what you pay in the end is usually higher because of the financing cost and fees. The right decision depends on your savings, the stability of your income, and the total cost of each option, not on the monthly installment alone. In this article we compare the two methods and explain how to calculate the cost, compare offers, and read the contract before signing.

What is the difference between buying a car in cash and with financing?

When you buy in cash, you pay the full price of the car at the time of purchase and the financial relationship with the seller ends. When you buy with financing or installments, you pay part of the price as a down payment, the rest is split into monthly installments over a period set by the contract, and the financing cost is added to it.

• Cash: one amount paid once, with no monthly installments and no financing cost.
• Financing: a down payment smaller than the car's price, followed by monthly installments that are usually fixed until the end of the term.
• Some finance contracts include a final payment larger than the installments at the end of the term; it lowers the monthly installment but does not cancel the amount.
• In both cases, you still carry the same running costs, such as fuel, insurance, and scheduled maintenance.

 

What are the pros and cons of buying a car in cash?

• You usually pay the lowest possible total, because you carry no financing cost or related fees.
• You own the car immediately and can sell or trade it in whenever you like without going back to any party.
• There is no monthly commitment putting pressure on your budget if your income changes or unexpected expenses come up.
• Paying cash may give you a better chance to negotiate, or to benefit from cash-payment offers if available.
• On the other hand, buying in cash can drain your savings and leave you without enough of an emergency reserve.
• The amount you have may also push you toward a car that is less than you need, or make you delay the purchase until your savings are complete.

 

What are the pros and cons of buying a car with financing?

• You get the car now without waiting until you have saved its full price.
• You keep part of your savings for emergencies or other priorities in your life.
• The price is spread over installments known in advance, making it easier to plan your monthly budget.
• On the other hand, the total you pay is higher than the car's cash price in most cases, because of the financing cost and fees.
• The installment commits you for years, and any change in your income can turn it into a heavy burden.
• Financing may require a certain type of insurance throughout the term, and there may be restrictions on selling the car before full payment, depending on the contract.

 

How do you calculate the total cost of the car in both cases?

Do not compare the cash price with the monthly installment; compare the total amount that will come out of your pocket with each option.

1. For cash: add the car's price to the registration fees, the extras you will buy, and the cost of insurance.
2. For financing: add the down payment, the monthly installment multiplied by the number of months, the final payment if any, the administrative fees, and the cost of insurance for the whole term of the contract.
3. Subtract the car's cash price from the financing total; the difference is the real cost of getting the car now instead of waiting.
4. Add the expected running costs of fuel and maintenance; they are similar under both options, but they affect your ability to pay the installment. If fuel consumption matters for your budget, check our list of the best fuel-efficient cars.
5. Work out how much of your savings will remain after each option, and make sure it is enough for emergencies.

 

How do you compare car finance offers?

1. Ask each provider for a written offer for the same car, with the same term and the same down payment, so the comparison is fair.
2. Compare the total amount paid and the overall financing cost, and do not settle for comparing the monthly installment.
3. Ask about all fees linked to the contract, such as administrative fees, the cost of insurance, and any other charges.
4. Pay attention to the effect of the term: a longer term lowers the installment, but it usually raises the total you pay.
5. Pay attention to the effect of the down payment and the final payment on both the installment and the total amount.
6. Ask about early settlement terms and the possibility of paying off the remaining amount before the end of the term.
7. Check the current car offers, as some offers include special benefits on financing or on cash payment.

 

What should you read in the finance contract before signing?

1. The car details in the contract: model, trim, model year, color, and VIN when available, and that they match what you agreed on.
2. The down payment amount, the number of installments, the value and due date of each installment, and the final payment if any.
3. The total amount you will pay until the end of the contract, clearly written.
4. What happens if an installment is late or you default on payments, and the consequences of that.
5. Insurance terms: its type, who bears its cost, and who receives the compensation in the event of an accident.
6. When ownership of the car passes to you, and whether you can sell or trade it in before the contract ends.
7. Early settlement terms and any fees or discounts linked to it.
8. Do not sign any paper with blank spaces, ask about every clause you do not understand, and keep a full copy of the contract and the installment schedule.

 

When is cash better for you, and when is financing better?

• Cash is better if you have the car's price available and still keep enough of an emergency reserve afterwards.
• Cash is also better if you prefer not to commit to installments, or if your income is not steady.
• Financing is better if you need the car now for your work or your family and do not want to drain all your savings.
• Financing suits you if your income is stable and the installment leaves comfortable room in your budget for fuel, maintenance, and emergencies.
• There is a middle option: a larger down payment from your savings with a shorter term, which lowers the total financing cost without draining everything you have.
• If your budget is limited either way, consider a less expensive car or a used car in good condition; before that, read our important tips before buying a used car.

 

What are the common mistakes when buying a car with financing?

• Choosing the car based only on the monthly installment, without calculating the total amount.
• Stretching the finance term to lower the installment, then paying a larger total in the end.
• Ignoring the final payment and not preparing for it as the end of the contract approaches.
• Forgetting the costs of insurance, fuel, and maintenance when working out your ability to pay.
• Putting all your savings into the down payment and leaving no emergency reserve.
• Signing quickly under the pressure of an offer, without reading the contract or comparing other offers.

 

Frequently asked questions about buying a car in cash or with financing

1. Is financing always more expensive than cash? Usually yes, because of the financing cost and fees, but some promotional offers may narrow the gap, so compare the total amount in each case.
2. Is a larger down payment better? It reduces the amount financed, and therefore usually reduces the installment and the financing cost, as long as it does not drain your emergency reserve.
3. Can I pay off the financing before the end of the term? That depends on the contract terms, so ask about early settlement and any fees or discounts linked to it before signing.
4. Can I sell a financed car before the installments end? The contract determines this, and it usually requires settling the remaining amount first or getting the finance provider's approval.
5. What matters more when comparing: the installment or the total amount? The total amount matters most; then make sure the installment fits comfortably in your monthly budget.

 

There is no single best option for everyone; cash saves you the financing cost, and installments give you flexibility. Calculate the total amount in both cases, keep an emergency reserve for yourself, and read the whole contract before signing. Once you have set your budget, browse the cars available at Saleh Cars and choose what suits your needs.

Summer car care means focusing on the systems that heat strains the most: check the cooling system and radiator coolant, the battery, tire pressure, AC performance, and engine oil before the peak of the heat, and protect the paint and cabin from direct sun. The Kingdom's long summer, with its high temperatures, dust, and desert trips, doubles the strain on the car, and most summer breakdowns can be avoided with a simple, regular review. In this guide, we show you what to check and how to act if a problem appears on the road.

Why does your car need special care in the Saudi summer?

Air and asphalt temperatures rise sharply in the summer months, so the car's systems work in harsher conditions than usual, and the strain on them increases with traffic, hours of AC use, and long trips.

• The engine and cooling system work harder to get rid of heat, especially in traffic and during long stops with the AC running.
• Heat speeds up the evaporation of battery fluid and the corrosion of its terminals, shortening its life even if it seems fine.
• Hot asphalt raises tire temperature and internal pressure, and magnifies the effect of any weakness or crack in them.
• Direct sun and dust affect the paint, dashboard, seats, and glass.
• Any small fault becomes more serious in summer, because breaking down on a highway at midday is unpleasant and can be dangerous.

 

How do you protect the engine and cooling system from the heat?

The cooling system is the first line of defence in summer, and neglecting it is one of the most common causes of costly breakdowns in this season.

• Check the coolant level in the reservoir with the engine cold, and never open the radiator cap while the engine is hot.
• Use the type of coolant recommended in the owner's manual rather than plain water, and learn about the difference between red and green radiator coolant before topping up or mixing.
• Look at the radiator hoses: cracking, swelling, or excessive softness are signs that they need replacing.
• Make sure the radiator fan runs when the temperature rises or the AC is on, and clean insects and dust off the front of the radiator.
• Keep an eye on the temperature gauge on the dashboard; if it rises repeatedly, read about the main causes of car engine overheating and deal with the cause early.
• Stick to the engine oil change schedule in the owner's manual, as oil endures higher temperatures in summer and needs to be in good condition.

 

How is the heat linked to a weak battery, and how do you look after it?

Many people believe that batteries only struggle in winter, but summer heat speeds up their internal wear, and the weakness then appears suddenly at the first hard start.

• Have the battery tested by a technician or parts shop before summer, especially if it has been installed for a long time.
• Clean white or green corrosion off the terminals, and make sure the cables are tightened properly.
• Watch for a slow-cranking starter or dim lights, as these are early signs of weakness.
• Try to park the car in the shade whenever possible, as this reduces the heat in the engine bay.
• To learn the signs in detail and ways to extend its life, see our article on car battery failure symptoms and how to extend its life.

 

How do you keep the AC working efficiently in summer?

In summer, the AC is not a luxury, and any weakness in it shows quickly as temperatures rise; servicing it early before the season is easier than repairing it at the peak.

• When getting into a car that has been parked in the sun, open the windows slightly for the first minute to let the hot air out, then close them and switch on the AC.
• Replace the cabin air filter on time, as a filter clogged with dust weakens airflow and causes an unpleasant smell.
• If the air becomes less cold than usual, the cause may be low refrigerant, a leak, or a weak condenser fan, and it needs a technical check.
• Pay attention to any strange noise when the compressor engages, or the engine stalling at idle with the AC on.
• To understand AC faults and how to fix them in detail, read our article on the car air conditioning system and its faults.

 

How do you protect the tires from hot asphalt?

The tire is the only part that touches the hot asphalt directly, so it needs closer monitoring in summer, especially before a trip.

• Check the air pressure in the morning when the tires are cold, and set it to the value on the driver's door sticker.
• Do not let air out of a tire because it is hot after driving; the rise in pressure with heat is normal and accounted for.
• Check the sidewalls for cracks or bulges, as old rubber is affected more by sun and heat.
• Check the manufacturing date printed on the tire's sidewall, and consult a technician if the tire is old even if the tread looks good.
• Do not exceed the car's permitted load on summer trips, as overloading raises tire temperature.
• Do not forget to check the spare tire and the tools for changing it before any long trip.

 

How do you protect the paint and cabin from the sun?

Strong sunlight affects the car's appearance and value over time, and simple daily protection is better than repairs later.

• Park the car in the shade or under a canopy whenever possible, and use a suitable cover when parking for long periods.
• Place a sunshade on the windscreen to reduce cabin heat and protect the dashboard from cracking.
• Suitable window tint reduces the heat inside the cabin and protects the seats; learn about how the right window tint protects your car.
• Wash the car early in the morning or in the evening, and do not wash it while the surface is hot in the sun, so water spots do not remain.
• Rinse the dust off with water first after sandstorms, and do not wipe it off dry so it does not scratch the paint.
• Do not leave lighters, aerosol cans, plastic water bottles, or electronic devices inside the car, as extreme heat may damage them or make them dangerous.

 

What should you do if your car overheats while driving?

If you notice the temperature gauge rising or steam coming from the front of the car, acting calmly and quickly reduces the damage to the engine.

1. Switch off the AC immediately; you can temporarily run the heater at its highest setting to draw some heat away from the engine.
2. Stop in a safe place away from the traffic lanes, and switch on the hazard lights.
3. Turn off the engine if the gauge keeps rising or steam appears, and do not keep driving with the gauge in the red zone.
4. Do not open the radiator cap or the coolant reservoir while the engine is hot, and wait until it has cooled down completely.
5. Once the engine has cooled, check the coolant level and look for an obvious leak, then head to the nearest workshop or call for help.

 

Frequently asked questions about summer car care

• Does running the AC all the time harm the engine? No, if the cooling system is in good condition, but it adds load on the engine and battery, which is why maintenance matters more in summer.
• Should I change the engine oil earlier in summer? Follow the schedule in the owner's manual, and use the severe-conditions schedule, if there is one, if you drive a lot in traffic and extreme heat.
• Can I put plain water in the radiator when necessary? Only in an emergency and to reach the nearest workshop, then refill the system with the recommended coolant.
• Can tires burst because of the heat? Heat alone does not usually cause this, but it multiplies the risk of underinflated, old, or cracked tires.
• When should I check the car before a summer trip? A few days before the trip, so there is enough time to fix any issue with the cooling system, tires, or battery.

 

Summer in Saudi Arabia is a real test for every car, but most of its breakdowns start with small signs that can be noticed early. Review the cooling system, battery, tires, and AC before the peak of the heat, protect the paint and cabin from the sun, and never ignore the temperature gauge or any strange noise; with these simple habits, the summer months pass without surprises on the road.

To read a fuel economy label, start with the km/L value: the number of kilometres the car travels on one litre of fuel. The higher the number, the more economical the car. Next, make sure the label belongs to the exact model, model year and engine capacity you intend to buy, verify it through the Taakad app, and then divide your annual distance by the figure to estimate how many litres you will need each year. This guide explains the label's fields, how to compare and calculate with an illustrative example, and why your car's real-world consumption may differ from the printed figure.

What is a vehicle fuel economy label?

A fuel economy label is a sticker you will find on new cars. It shows the model's fuel economy value in kilometres per litre, together with a level that rates this value. According to the Saudi Press Agency report on the Letabqa energy conservation campaign, the label classifies cars into seven levels: Excellent+, Excellent, Very Good, Good, Average, Poor and Very Poor. The top levels appear in dark green and the lowest in red.

There are two types of label, depending on how the vehicle is used: one for passenger cars such as sedans and minivans, and one for light trucks such as four-wheel drives, pickups and cargo vans. Pay attention to the label type when comparing, and compare cars of similar size and use wherever possible.

 

What information does the fuel economy label show?

The label combines the vehicle's basic information with its fuel economy result. According to the same source, it includes:

• The manufacturer's name and the vehicle's trade name (model).
• Engine capacity and model year.
• Vehicle type: passenger car or light truck.
• The fuel economy value in kilometres per litre, and its corresponding level.
• The required fuel type: 91 petrol, 95 petrol or diesel.
• The logo of the Saudi Standards, Metrology and Quality Organization (SASO), the label's regulatory statement, and a QR code.

Before focusing on the number, match these fields with the car in front of you, especially the model year, engine capacity and fuel type. A single model may come with more than one engine or trim, and each may have a different value. Take a clear photo of every label so the details do not get mixed up if you visit several showrooms.

 

How do you read the km/L figure and compare two cars?

The km/L figure tells you how far the car travels on one litre. A value of 18 km/L, for example, means the car covers 18 kilometres per litre according to the label value. With this unit, the higher number is better. When comparing:

1. Read the value itself rather than relying on the colour alone; two cars at the same level may have different values.
2. Make sure both labels are of the same type, passenger car or light truck.
3. Pay attention to fuel type; if one car needs 95 petrol and the other 91 petrol, calculate each car's cost using the price of its own fuel.
4. Do not carry a value from one trim or engine to another version just because the trade name or exterior looks the same.
5. Treat fuel economy as one factor alongside space, comfort, safety and maintenance; our guide to the best fuel-efficient cars can help you narrow your options.

 

How do you verify the label with the Taakad app?

The Saudi Standards, Metrology and Quality Organization provides the Taakad app for checking fuel economy label and energy efficiency label information, and it can be downloaded free for iOS and Android devices. The steps, as described on the app's page and in the previous source, are:

1. Open the app, choose the vehicles section, and point the camera at the QR code on the label.
2. If the vehicle is registered in SASO's database, its details will appear, such as manufacturer, engine capacity, model year, fuel type, body type, drive type, transmission, fuel economy value and level.
3. Compare the details shown in the app with the label on the car, field by field.
4. If there is no QR code on the label, use the app's search feature.
5. If the details do not match, use the report feature, which takes you to the Commercial Report app.

 

How do you calculate the fuel you need each year?

The formula is simple: annual distance in kilometres ÷ fuel economy in km/L = estimated fuel in litres. To estimate your annual distance accurately, compare the dashboard odometer readings on two service records about a year apart, or take a typical week's distance and multiply it by the number of weeks in a year, then add the trips you know you will make.

Illustrative example: an annual distance of 20,000 km and two cars, the first rated at 15 km/L and the second at 20 km/L. These are hypothetical teaching figures only, not specifications of cars offered for sale.

Item	First car	Second car
Assumed fuel economy	15 km/L	20 km/L
Annual distance	20,000 km	20,000 km
Calculation	20,000 ÷ 15	20,000 ÷ 20
Estimated quantity	About 1,333 litres	1,000 litres

The difference in this example is about 333 litres a year. To turn it into an amount of money, multiply each car's quantity by the price per litre of the fuel it needs at the time of comparison, then subtract the two results.

 

How do you convert km/L to litres per 100 km?

Some brochures, websites and dashboard displays show consumption in litres per 100 km, where the lower number is better. To convert, divide 100 by the km/L value; to convert back, divide 100 by the L/100 km value:

• 15 km/L: 100 ÷ 15 = about 6.67 litres per 100 km.
• 20 km/L: 100 ÷ 20 = 5 litres per 100 km.
• In reverse: 5 litres per 100 km means 100 ÷ 5 = 20 km/L.

This unit reveals something many people overlook: the same increase in km/L saves more fuel when the starting value is low. In another illustrative example over 20,000 km, moving from 10 to 12 km/L saves about 333 litres, while moving from 20 to 22 km/L saves only about 91 litres. Do not compare a km/L figure with a figure in another unit, such as miles per gallon, before converting to the same unit.

 

Why does your real consumption differ from the label figure?

The label figure is a reference value that helps you compare models, but it does not describe your own driving style or road conditions. The main things that change real-world consumption are:

• Driving style: sudden acceleration and braking, and high speeds on highways.
• Heavy traffic and frequent stops, and leaving the engine running for long periods while parked.
• Running the air conditioning for long periods in summer heat.
• Excess load and low tyre pressure.
• Maintenance condition, such as the air filter, spark plugs and engine oil.

Use the label for an initial comparison, then monitor your car's consumption over several refills. If consumption rises clearly and persistently above your usual level, read about the common causes of higher fuel consumption and arrange an inspection when needed, rather than assuming the label is wrong. If your car offers an economy driving mode, learn about the ECO system and whether it really saves fuel.

 

How do you measure your car's consumption yourself?

The most accurate home method is the full-tank method, and all you need is the dashboard trip meter and your fuel receipt:

1. Fill the tank until the pump nozzle clicks off automatically, then reset the trip meter.
2. Drive the car as usual until you need to refuel.
3. Fill the tank again until the automatic click-off, and note the litres added and the distance on the trip meter.
4. Divide the distance by the litres; if, for example, you drove 500 km and added 40 litres, your consumption is 12.5 km/L.
5. Repeat over several refills and in different conditions, in the city and on the highway, then take the average.

The consumption reading on the trip computer is useful for daily monitoring, but it is an estimate and may differ slightly from the manual calculation, so rely on the manual calculation for long-term comparison.

 

Frequently asked questions about the fuel economy label

1. Is a higher number on the label always better? Yes when the unit is km/L; with litres per 100 km, the lower number is better.
2. Does the label guarantee the consumption I will get? No. It is a value for comparison, and your real consumption depends on driving style, roads, load and the car's condition.
3. Does a larger tank mean better economy? No. Tank capacity determines the distance between refills, while fuel economy describes distance per litre.
4. Can I compare a sedan with a four-wheel drive using the label? The unit is the same, so you can compare the two values, but each has a different label type, and the fairest comparison is between cars of similar size and use.
5. What should I do if the label does not match the Taakad app? Ask the seller for an explanation, and use the app's report feature if the difference remains.

The fuel economy label is a quick comparison tool if you read it in the right order: match the details, verify them through the Taakad app, then turn the figure into litres that fit your distance. When you compare cars at Saleh Cars Group, ask for the label of the version that interests you and calculate your own needs before deciding.