Affidavit Of No (Insurance) Template for Saudi Arabia

An Affidavit Of No Insurance is a legally binding declaration document that you use in Saudi Arabia to formally state the absence of insurance coverage for specific circumstances or time periods. This document serves as official proof when Saudi authorities, business partners, or regulatory bodies require confirmation that you do not hold certain types of insurance coverage.

When do you need this document?

You will need this affidavit in various situations throughout Saudi Arabia. Government agencies may require it when applying for certain licenses or permits where insurance absence must be documented. Financial institutions often request this declaration during loan applications or when establishing business relationships where insurance status affects risk assessment. Vehicle registration authorities may require it when transferring ownership of uninsured vehicles or when applying for temporary permits. Property transactions sometimes necessitate this document to clarify insurance responsibilities between parties. Additionally, Saudi Arabian Monetary Authority (SAMA) regulated entities may request this affidavit during compliance audits or regulatory submissions.

Key legal considerations

Your Affidavit Of No Insurance must contain accurate declarant information including your full legal name, national ID or Iqama number, and complete contact details. The document requires a clear purpose statement explaining why you need this declaration and specifying the exact type of insurance being addressed. Your primary declaration must explicitly confirm the absence of coverage for the stated period or situation, leaving no room for ambiguity. The affidavit needs proper witness signatures when required by the receiving authority, and you must ensure all statements are truthful as false declarations carry severe legal penalties under Saudi law. Consider including supporting documentation that validates your claims, and ensure the document follows Islamic law principles in its structure and content.

Legal requirements in Saudi Arabia

Under the Law of Civil Procedures (Royal Decree No. M/1), your affidavit must meet specific formatting and authentication standards for Saudi courts and authorities. The Cooperative Insurance Companies Control Law (Royal Decree No. M/32) governs insurance-related declarations, requiring compliance with SAMA regulations and market conduct codes. You must have the document notarized by an authorized Saudi notary public and may need additional authentication from relevant government authorities depending on its intended use. When dealing with international parties, you may require certified translation services from licensed translators recognized by Saudi authorities. The document must be dated according to both Gregorian and Hijri calendars when specified by the receiving authority, and you should retain original copies for your records as Saudi courts require original documents for legal proceedings.