Article 293 of the Saudi Commercial Maritime Law
المادة 293 من النظام البحري التجاري · الفصل الأول: الأحكام العامة
The article provides that the maritime insurance provisions apply to an insurance contract covering maritime risks, without prejudice to the Law on Supervision of Cooperative Insurance Companies.
Official text (Arabic)
This article has not been amended since the law was issued.
دون إخلال بالأحكام الواردة في نظام مراقبة شركات التأمين التعاوني, تسري أحكام هذا الباب على عقد التأمين الذي يكون موضوعه تغطية الأخطار البحرية.
This is the official Arabic wording, the only legally binding version. We do not translate the law itself; the explanation below is ours. Official source: Bureau of Experts at the Council of Ministers
Article 293 explained in plain English
This article sets the scope of application of the Law's maritime insurance provisions: they apply to an insurance contract whose subject is covering maritime risks.
The definitions in Article 1 help in understanding this scope:
- Maritime insurance contract: the contract by which a person called the insurer undertakes to compensate another person called the insured for damage arising from a maritime risk in return for a set premium.
- Maritime risks: unexpected incidents that may occur and that relate to a sea voyage.
The article begins with the phrase without prejudice to the provisions of the Law on Supervision of Cooperative Insurance Companies, meaning the provisions of this Part do not cancel what that Law provides, and the two are applied together. The article does not explain the content of the Law on Supervision of Cooperative Insurance Companies, so it should be consulted directly.
Article 294 regulates proving the insurance contract in writing and the particulars the insurance policy contains, such as the date and place of the contract, the names of the two parties, the subject of insurance, its amount and its premium. Anyone entering into a maritime insurance contract or disputing one may consult a lawyer specialized in insurance and maritime cases.
Practical example
An import company in Riyadh insures a shipment of goods coming by sea to the port of Dammam against the risks of the sea voyage. This contract is subject to the maritime insurance provisions of the Commercial Maritime Law, without prejudice to the provisions of the Law on Supervision of Cooperative Insurance Companies.
Translated from our Arabic explanation with machine assistance. For guidance only; it does not replace advice from a lawyer on your situation.
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Frequently asked questions about Article 293 of the Saudi Commercial Maritime Law
Which contracts are subject to the maritime insurance provisions?
An insurance contract whose subject is covering maritime risks.
Does the Law on Supervision of Cooperative Insurance Companies apply to maritime insurance?
The maritime insurance provisions apply without prejudice to the provisions of the Law on Supervision of Cooperative Insurance Companies.
More articles on Marine Insurance
- Article 139
Ships carrying the Kingdom's nationality are not permitted to sail to areas dominated by the dangers of war, piracy or armed robbery until proof of insurance of their crew against these dangers is provided.
لا يصرح للسفن التي تحمل جنسية المملكة بالسفر إلى المناطق التي تغلب عليها أخطار الحرب, أو أعمال القرصنة أو السطو المسلح, إلا بعد تقديم مالكها أو مجهزها أو مستأجر
- Article 215
Any agreement made before the incident that exempts the carrier from liability for loss of or damage to the goods, alters the burden of proof placed on him, or assigns to him the rights arising from cargo insurance is void.
يقع باطلاً كل اتفاق يتم قبل وقوع الحادث الذي نشأ عنه الضرر, ويكون موضوعه أحد الأمور الآتية: 1- إعفاء الناقل من المسؤولية عن هلاك البضائع أو تلفها. 2- تعديل عبء
- Article 236
The carrier must hold insurance or a guarantee from a recognized body covering its liability for death and bodily injury, and the injured party may claim directly against the insurer or guarantor.
يجب أن يكون لدى الناقل تأمين أو ضمان من جهة معترف بها، لتغطية مسؤوليته عن الوفاة والإصابات البدنية. وفي هذه الحالة يجوز للمتضرر الرجوع المباشر على المؤمن أو الض
- Article 294
The article requires a maritime insurance contract and any change to it to be proved in writing, sets the particulars of the insurance policy, and makes a provisional policy binding on both parties until the final policy is issued.
1- لا يثبت عقد التأمين وكل ما يطرأ عليه إلاَّ بالكتابة. 2- يصدر بموجب عقد التأمين وثيقة تأمين تتضمن البيانات الآتية: أ- تاريخ عقد التأمين ومكانه. ب- اسم المؤمِّ
- Article 295
The article allows a maritime insurance policy to be issued in the name of the insured, to his order or to bearer, and gives its lawful holder the right to claim compensation, subject to the insurer's defenses against the insured.
1- تكون وثيقة التأمين باسم المؤمن له أو لأمره، أو لحاملها. 2- يكون لحامل الوثيقة الشرعي الحق في المطالبة بالتعويض, وللمؤمِّن أن يحتج في مواجهته بالدفوع التي يجو
- Article 296
The article lists what may be the subject of maritime insurance: the ship and its equipment, even if under construction, cargo, containers and property on board, freight and commission, and potential liability relating to the ship and cargo.
يجوز أن يكون محل التأمين البحري ما يأتي: 1- السفينة وأجهزتها, والسفينة التي لا تزال في طور الإنشاء. 2- الحمولة, وحاويات البضائع, وأي ممتلكات موجودة في السفينة.
The texts are reproduced from the official website of the Bureau of Experts at the Council of Ministers for reference; where they differ, the officially published Arabic text prevails. This content is not legal advice.