About riox.ai
AI-powered insurance operating layer for commercial fleets—turning real driving data into fair pricing, safer fleets, and faster claims. Built in Riyadh for the GCC.
Pay by the Drive. Powered by AI. 🇸🇦
What We Stand For
Fairness by Data
Premium reflects reality: miles, hours, routes, behavior—not guesswork.
Control & Compliance
Saudi-first trust: Nafath, Emdah, OTP, audit trails, PDPL-ready design.
Operational Speed
Quote-to-bind, endorsement, and claims flow optimized like a fintech.
Safety Outcomes
Coaching + alerts + scoring that reduces incidents (not just pays them).
Our Mission
To provide flexible, affordable insurance solutions tailored for Saudi Arabia's commercial fleet operators. We believe insurance should reward safe driving, not penalize it. Our usage-based model ensures you only pay for what you use, with premiums that reflect your actual driving behavior.
Our Vision
To become the Kingdom's most trusted insurtech platform, empowering 500,000+ fleet vehicles with intelligent, fair, and instant insurance coverage. We're building the future of commercial motor insurance aligned with Saudi Vision 2030.
Why riox.ai Exists
Traditional fleet insurance in Saudi Arabia is broken. Fleet operators pay fixed premiums regardless of how safely they drive. Good drivers subsidize bad ones. Claims take weeks. And nobody knows their actual risk until it's too late.
riox.ai changes everything. We connect telematics, registry, violations, and claims data to deliver usage-based premiums, automated policy servicing, and intelligent claims processing—all with Saudi-grade identity and e-sign compliance.
Leadership Team
Fahad Al-Rashid
Chief Executive Officer
15+ years in insurance and fintech. Former executive at major Saudi insurer.
Sara Al-Mutairi
Chief Technology Officer
Ex-Google engineer. Expert in AI and telematics systems.
Mohammed Al-Otaibi
Chief Underwriting Officer
20+ years in commercial motor insurance. ACII qualified.
Nora Al-Zahrani
Chief Compliance Officer
Former IA regulator. Expert in insurance compliance.
Our Journey
Founded in Riyadh as Saudi Arabia's first AI-powered fleet UBI platform
Accepted into Insurance Authority (IA) Regulatory Sandbox
Launched commercial fleet UBI product with telematics integration
Partnership with major telematics providers
Expanded to serve 50,000+ drivers across the Kingdom
Certifications & Compliance
IA Sandbox Participant
Licensed under Insurance Authority Regulatory Sandbox
IA Compliant
Full compliance with Insurance Authority (IA) regulations
ISO 27001
Information Security Management System certified
PDPL Ready
Personal Data Protection Law compliant design
Our Partners
Najm Insurance Services
Claims Processing Partner
CMT DriveWell
Telematics Technology Partner
Moyasar
Payment Gateway Partner
Faceki
KYC Verification Partner
Get in Touch
Ready to transform your fleet insurance? Contact our team to learn how riox.ai can reduce your premiums while improving safety.