Choosing the right car insurance policy in Kuwait can be confusing—especially with so many options and price differences between comprehensive and third-party insurance. Whether you're working with a local insurance company or a licensed insurance broker in Kuwait like Houghton Insurance, knowing the difference is key to saving money and staying protected.

In this article, we break down the differences, benefits, and which coverage works best for your budget, vehicle, and peace of mind.

What is Car Insurance in Kuwait?

Motor insurance is a mandatory requirement in Kuwait to legally drive a vehicle. It protects you (and sometimes others) financially in the case of accidents, damage, or liability.

There are two main types of car insurance policies:

• Third-Party Insurance: Covers damage you cause to others
• Comprehensive Insurance: Covers damage to others and your own vehicle

What is Third-Party Insurance?

This is the minimum required insurance in Kuwait. It covers damage to other people’s vehicles or property if you’re at fault.

What it includes:

• Damage to third-party vehicles
• Legal liability toward others
• Medical expenses for injured third parties

What it doesn’t cover:

• Damage to your own vehicle
• Theft or fire
• Personal accident protection

This option is best for older vehicles or limited budgets.

What is Comprehensive Insurance?

This offers full protection—whether the damage is to your car or someone else’s. It’s more expensive, but provides peace of mind.

What it includes:

• All third-party coverage
• Accidental damage to your car
• Fire, theft, natural disasters
• Personal accident cover

It’s ideal for new or high-value cars and drivers who want full security.

Which Car Insurance Should You Choose?

It depends on:

✔ Your car’s value
 ✔ How much you're willing to pay in case of damage
 ✔ Whether you're looking for basic legal coverage or full protection

Let Houghton Insurance, a trusted insurance broker in Kuwait, help you compare policies from top insurance companies and find the right match.

Common Questions

Is car insurance required in Kuwait?
Yes, third-party car insurance is mandatory for registration and driving.

Can I upgrade from third-party to comprehensive later?
Yes, most insurance companies allow this through your broker.

Does comprehensive insurance cover total loss?
Yes, in most cases. Your broker will explain the limits and terms.

Final Thoughts

Whether you're driving a brand-new SUV or an older sedan, having the right motor insurance policy makes all the difference. Choosing a reliable insurance broker like Houghton Insurance ensures you get the best price, the right coverage, and fast claims service when you need it most.

✅ Get a Free Quote Today

📞 Call Houghton Insurance: +965 22285052
 📧 Email: info@houghtoninsure.com
 We help you drive protected, affordably.