Car Insurance is quite different from Western practices. As noted above, you insure the car, not the driver, which is one of the reasons kids here can afford to drive massive landcruisers, despite the slaughter of pedestrians. (Blood money for non-Moslems is pretty minimal, anyway.) For cars over a certain age, (2 years? Dunno) 3rd party is the only option. however, and again as noted above, cover for passengers is not automatic so check these things carefully with your Insurance Broker. Even the possibility of having residual alocohol in your bloodstream when some idiot slams into you some morning has to be specifically covered, so it's not a bad idea to go to a reputable international Insurance company if you think you might occasionally have non-family passengers or drink beer of an evening.