Car insurance
Drive covered, from the first mile to the last.
From compulsory third-party liability to fully comprehensive, you choose what matters — and the price updates as you build.
- Compulsory cover included
- Also as takaful
- Buy entirely online
Compare the plans
Three plans. One question: what do you want to protect?
Every price is worked out by our engine for the same reference profile, taxes and fees included.
| Cover | Third partyThe legal minimum, done properly. | RecommendedThird party plusTheft, fire and glass — what actually happens day to day. | ComprehensiveYour own car covered, even when it was your fault. |
|---|---|---|---|
| Third-party liabilityCompulsory | Included | Included | Included |
| Legal defence and recovery | Included | Included | Included |
| Theft | Not covered | Included | Included |
| Fire | Not covered | Included | Included |
| Glass breakage | Optional | Included | Included |
| Roadside assistance from 0 km | Optional | Included | Included |
| Accidental damage | Not covered | Not covered | Included |
| Passenger cover | Not covered | Not covered | Included |
| Driver personal accident | Optional | Optional | Optional |
| Legal protection | Optional | Optional | Optional |
| New-for-old, first 2 years | Not covered | Not covered | Optional |
| Courtesy car | Not covered | Optional | Optional |
| Premium assistance | Not covered | Optional | Optional |
| Lights and mirrors | Not covered | Optional | Optional |
| Yearly price incl. taxes | 8 733DZD | 27 570DZD | 78 544DZD |
| Takaful contribution | 8 733DZD | 27 570DZD | 78 544DZD |
| Choose Third party | Choose Third party plus | Choose Comprehensive |
Reference profile · Vehicle: city car, 5 CV, first registered in 2019, worth DZD 1 800 000. Driver aged 35 in Blida, licensed for 10 years, 3 years without an at-fault claim.
As takaful the contribution is the same; on the recommended plan, DZD 5 621 (25%) pays for running the fund and the rest belongs to the participants.
Made-up prices worked out by Hima’s demonstration engine: no real offer, nothing is charged.
Build your cover
Switch on a cover and watch the car — and the price — respond.
Each cover lights up the part of the car it protects. The right plan picks itself, and the price follows.
Your car
Your cover
Switch a cover on or off: the plan that fits is picked for you.
Your yearly premium · Third party plus
27 570DZDincl. taxes / yearAs takaful: the same contribution, of which DZD 5 621 is the wakala fee.
Price for the reference profile; your quote adjusts it to your answers.
Covered: Third-party liability, Legal defence and recovery, Theft, Fire, Glass breakage, Roadside assistance from 0 km. Third party plus plan.
Continue to my quoteThe cover
What each cover pays for, in plain words.
Third-party liability
CompulsoryInjury and damage your vehicle causes to other people. Required by law in Algeria.
Legal defence and recovery
We defend you and claim your losses back from the party at fault.
Theft
Theft or attempted theft of the vehicle, and the damage left behind.
- Excess
- 10% of the loss, at least DZD 20 000
Fire
Fire, explosion and lightning, whether you are driving or parked.
- Excess
- DZD 10 000
Glass breakage
Windscreen, rear window and side windows, repaired or replaced.
- Excess
- DZD 2 000
Roadside assistance from 0 km
Breakdown repair and towing from your own doorstep, day and night, anywhere in Algeria.
Accidental damage
Damage to your own car, even when you are at fault or nobody else is identified.
- Excess
- 5% of the loss, at least DZD 15 000
Passenger cover
A payment for injured passengers, whoever was at fault.
- Limit
- DZD 1 000 000
Driver personal accident
A lump sum for you, the driver, after a serious injury or death.
- Limit
- DZD 2 000 000
Legal protection
Lawyer’s and court fees for a dispute about your car.
- Limit
- DZD 300 000
New-for-old, first 2 years
If the car is written off within two years, we refund the purchase price with no depreciation.
Courtesy car
A loan car while yours is off the road, for up to 10 days.
Premium assistance
Getting the car home, a hotel and onward travel for everyone after a breakdown far from home.
Lights and mirrors
Headlamps, tail lights and mirrors replaced after breakage.
- Excess
- DZD 1 000
What the law says
Third-party liability is compulsory
In Algeria, every motor vehicle on the road must carry at least third-party liability insurance. It is what compensates people injured and property damaged by your vehicle.
Driving uninsured means a fine, the car impounded and, above all, paying for the damage you cause to others yourself. Every Hima plan includes this cover, and the certificate is ready as soon as you buy.
The rest — theft, fire, glass, damage to your own car — is optional: your choice.
A general summary: it replaces neither the law itself nor the terms of your contract.
Questions
Your questions, answered.
Which plan for a car more than ten years old?
Third party plus is often the sensible middle: it adds theft, fire, glass and breakdown cover without paying to repair a car whose value has fallen. Comprehensive makes most sense on a newer or financed car.
Do I keep my no-claims bonus if I switch insurer?
Yes. Tell us your years without an at-fault claim — they reduce the liability and damage lines — and your previous insurer’s record is enough to prove them.
Can I insure a car I use for work?
Yes, you choose the use in the quote: private, commuting, business or taxi. It changes the price because it changes the miles driven.
What do I do after an accident?
Fill in the accident report with the other driver, on paper or on your phone, then report the claim online within the contract’s deadline — usually seven days. An assessor is appointed and you follow the file step by step.
Does breakdown cover work anywhere in Algeria?
Breakdown cover from 0 km comes to your door, day and night, in all 58 wilayas. Premium assistance adds getting the car home, a hotel and onward travel for passengers.
Can I pay in instalments?
Yes: yearly, every six months, quarterly or monthly, by CIB or Edahabia card. Paying in instalments costs a little more, shown before you sign.
Your quote
Your exact price in 60 seconds.
Nine questions, no documents to send for a quote, and your certificate as soon as you pay.
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