واثق | WAHIQ
Saudi Road Intelligence Platform
Built on 22 years of Saudi public data
Regions Covered
0
regions · all Saudi Arabia
Emergency Cases
0
road emergency cases · 2024
Potential Annual Savings
SAR 0B
if road accidents fall 20%
Highest Risk Region
Bahah
highest risk score in the Kingdom
Of All Deaths
1 in 12
are caused by road accidents · 2022
01 — Risk Index
Salama Road Risk Index
A score from 0 to 100 showing how dangerous roads are in each region. Higher score = more dangerous.
⚠ Key Finding: Saudi Arabia's most dangerous roads are NOT in Riyadh or Makkah. Bahah (SRRI 69.2) and Tabuk (60.1) score HIGH risk — driven by extreme fatality rates and ambulance burden relative to population. Standard reporting misses this entirely.
SRRI Leaderboard — All 13 Regions (2024 data)
Bahah (الباحة)
69.2
HIGH
Tabuk (تبوك)
60.1
HIGH
Asir (عسير)
57.7
MODERATE
Jizan (جازان)
49.8
MODERATE
Makkah (مكة المكرمة)
48.6
MODERATE
Hail (حائل)
35.4
LOW
Madinah (المدينة المنورة)
31.8
LOW
Najran (نجران)
27.5
LOW
Jawf (الجوف)
25.8
LOW
Riyadh (الرياض)
22.9
LOW
Qassim (القصيم)
19.3
LOW
N. Borders (الحدود الشمالية)
12.4
LOW
E. Province (المنطقة الشرقية)
3.5
LOW
How often accidents happen 35% · How deadly they are 40% · Ambulance demand 25%
Risk Quadrant Analysis
Regions classified by fatality severity vs emergency burden
CRITICAL ZONE
High fatality + High emergency
Bahah (69.2) Tabuk (60.1) Asir (57.7)
These regions have both extreme death rates AND high ambulance burden per capita. Highest priority for intervention and insurance repricing.
HIGH FATALITY
High death rate · Lower emergency volume
Jizan (49.8) Najran (27.5)
Death rates are high relative to population but emergency transport burden is moderate — suggesting rural road infrastructure issues.
HIGH EMERGENCY
High ambulance demand · Moderate fatality
Makkah (48.6) Hail (35.4) Madinah (31.8)
High ambulance case volumes driven by population density and pilgrim traffic. Fatality rates are controlled by hospital proximity.
* Quadrant placement based on individual component scores, not composite SRRI
MANAGEABLE
Lower risk across both dimensions
Jawf (25.8) Riyadh (22.9) Qassim (19.3) N.Borders (12.4) E.Province (3.5)
These regions show below-average risk on both dimensions. Riyadh's low score despite high traffic volume reflects strong infrastructure and hospital density.
Why Riyadh ranks 10th: High accident frequency is offset by world-class hospital infrastructure and fast SRCA response times — proving that infrastructure investment saves lives.
02 — Regional Breakdown
All 13 Administrative Regions
Per-region SRRI components, 2027 demand forecast, and SAR impact at 20% case reduction. Data: 2024 ambulance records + 2018 traffic police.
الباحة
Bahah
69.2
Accident frequency43.7
Fatality severity72.4
Ambulance demand100.0Highest ambulance demand in the Kingdom
Fatal accident rate: 6.29%
🔍 Crash investigations: Almost none
Highest risk + zero investigations
Death rate: 16.84 per 100,000 residents (2024)
1,601 km road network — 91% single-lane mountain roads. Zero expressways.
↓ −6.3% · road emergencies decreasing SAR 432M saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
تبوك
Tabuk
60.1
Accident frequency34.8
Fatality severity76.3
Ambulance demand69.7
Fatal accident rate: 2.92%
🔍 Crash investigations: Present
Death rate: 24.20 per 100,000 residents (2024)
↑ +0.4% · road emergencies rising slowly SAR 1.0B saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
عسير
Asir
57.7
Accident frequency34.3
Fatality severity80.9
Ambulance demand53.1
Fatal accident rate: 2.68%
🔍 Crash investigations: Almost none
Death rate: 20.93 per 100,000 residents (2024)
↑ +15.5% · road emergencies increasing SAR 2.4B saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
جازان
Jizan
49.8
Accident frequency7.3
Fatality severity100.0Highest road death rate in the Kingdom
Ambulance demand29.1
Fatal accident rate: 2.34%
🔍 Crash investigations: Present
Death rate: 16.90 per 100,000 residents (2024)
↑ +3.7% · road emergencies rising slowly SAR 1.2B saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
مكة المكرمة
Makkah
48.6
Accident frequency100.0Highest accident frequency in the Kingdom
Fatality severity11.1
Ambulance demand36.6
Fatal accident rate: 0.63%
🔍 Crash investigations: Almost none
Death rate: 12.03 per 100,000 residents (2024)
304 road emergency cases per 100km — highest road utilisation nationally
↑ +3.3% · road emergencies rising slowly SAR 7.2B saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
حائل
Hail
35.4
Accident frequency16.4
Fatality severity50.1
Ambulance demand38.4
Fatal accident rate: 2.28%
🔍 Crash investigations: Almost none
Death rate: 13.38 per 100,000 residents (2024)
↑ +10.0% · road emergencies increasing SAR 736M saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
المدينة المنورة
Madinah
31.8
Accident frequency20.0
Fatality severity35.6
Ambulance demand42.5
Fatal accident rate: 1.09%
🔍 Crash investigations: Almost none
Death rate: 11.33 per 100,000 residents (2024)
↑ +4.2% · road emergencies rising slowly SAR 2.0B saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
نجران
Najran
27.5
Accident frequency1.2
Fatality severity63.6
Ambulance demand6.6
Fatal accident rate: 5.63%
🔍 Crash investigations: Present
Death rate: 14.33 per 100,000 residents (2024)
↑ +11.8% · road emergencies increasing SAR 429M saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
الجوف
Jawf
25.8
Accident frequency5.6
Fatality severity50.2
Ambulance demand15.0
Fatal accident rate: 2.23%
🔍 Crash investigations: Almost none
Death rate: 9.48 per 100,000 residents (2024)
↑ +7.3% · road emergencies rising slowly SAR 452M saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
الرياض
Riyadh
22.9
Accident frequency53.9
Fatality severity0.0Lowest road risk rate in the Kingdom
Ambulance demand16.2
Fatal accident rate: 1.37%
🔍 Crash investigations: Present
Death rate: 9.99 per 100,000 residents (2024)
↑ +15.5% · road emergencies increasing SAR 7.1B saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
القصيم
Qassim
19.3
Accident frequency13.8
Fatality severity14.4
Ambulance demand35.0
Fatal accident rate: 2.02%
🔍 Crash investigations: Present
Death rate: 13.65 per 100,000 residents (2024)
↑ +10.9% · road emergencies increasing SAR 1.3B saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
الحدود الشمالية
Northern Borders
12.4
Accident frequency0.0Lowest road risk rate in the Kingdom
Fatality severity28.1
Ambulance demand4.6
Fatal accident rate: 2.63%
🔍 Crash investigations: Almost none
Death rate: 11.09 per 100,000 residents (2024)
↓ −5.7% · road emergencies decreasing SAR 222M saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
المنطقة الشرقية
Eastern Province
3.5
Accident frequency8.8
Fatality severity1.2
Ambulance demand0.0Lowest road risk rate in the Kingdom
Fatal accident rate: 1.15%
🔍 Crash investigations: Present
Death rate: 8.74 per 100,000 residents (2024)
Eastern Province winter pattern: Road deaths peak November–December, not July–August like the rest of the Kingdom. Al-Ahsa accounts for 1 in 4 road deaths in Eastern Province.
↓ −0.7% · road emergencies decreasing SAR 3.0B saved if accidents fall 20% Source: 2024 ambulance data · 2018 traffic records
Savings show each region's share of the national 20% accident reduction target
Fatal accident rate source: Ministry of Health 2018. Updated regional data expected from traffic authorities.
04 — Economic Impact
The SAR 137.6 Billion Problem

Road accidents cost Saudi Arabia SAR 137.6 billion annually — 3.3% of GDP (Frontiers in Public Health, 2025). Wahiq targets a measurable reduction in emergency case volume across all 13 regions.

NATIONAL BURDEN
SAR 137.6B
Annual economic cost of road accidents in Saudi Arabia
3.3% of GDP · 2022
Source: Frontiers in Public Health, 2025 · MOI + GASTAT + MOH official data
Lost productivity — people unable to work after accidents SAR 55.3B · 40%
Deaths — economic value of lives lost SAR 41.1B · 30%
Property damage SAR 38.3B · 28%
Hospital treatment SAR 2.5B · 2%
WAHIQ TARGET · 20% REDUCTION
SAR 27.5B
Returned to Saudi economy annually
137.6B × 20% reduction in emergency case volume
20,498 fewer road emergencies per year
Based on Wahiq's 2027 regional forecast
≈ 69 new hospitals funded annually (SAR 400M each)
INSURANCE SECTOR
SAR 783M
Annual insurance claims avoided
Calculated from Saudi Insurance Authority data — SAR 7.78B net claims incurred (2022) across 202,514 accidents
Average cost per insured road accident: SAR 38,400 (2022)
Source: Land Transport Statistics 2022
Saudi government data — no assumptions
Insurance savings based on insured accidents. Emergency case savings based on ambulance data.
Sources: Frontiers in Public Health (2025) · Saudi Insurance Authority via Land Transport Statistics (2022) · Ministry of Interior · GASTAT · Ministry of Health
05 — Investor Insights
Three Things the Data Reveals
Non-obvious findings from 22 years of Saudi road safety data — the intelligence layer that raw statistics don't surface.
!
The Small Region Paradox
Bahah and Tabuk score HIGH risk — not because of high accident volumes, but because their death and emergency rates relative to population are extreme. Standard reporting hides this. SRRI surfaces it.
69.2
Bahah SRRI — highest in the Kingdom
SAR
SAR 137.6 Billion Problem. SAR 27.5 Billion Solution.
Road accidents cost Saudi Arabia SAR 137.6 billion annually — 3.3% of GDP. Wahiq's 20% reduction target returns SAR 27.5 billion to the economy. Every number is sourced from Saudi government data and peer-reviewed research.
SAR 27.5B
Annual economic recovery · 20% reduction target
↑
Riyadh & Asir Are Getting Worse
While national death trends improve, ambulance data shows Riyadh and Asir emergency caseloads are forecast to grow +15.5% by 2027. Growth regions need intervention now, before infrastructure demand peaks.
+15.5%
Riyadh & Asir road emergency case growth 2024→2027
05.5 — Why Now
The Conditions Are Perfect
🏛
Open data mandate
SDAIA published 11,439 datasets from 289 government entities. Saudi Arabia legally requires agencies to release data. The pipeline is open.
📋
Insurance reform underway
Vision 2030 is restructuring insurance regulation. Actuarial models are being rewritten now — the moment to embed SRRI is before models are filed, not after.
🎯
Zero direct competitors
No Saudi company has built a road risk intelligence product. Western data companies cannot replicate local regulatory knowledge, Arabic language models, or institutional relationships.
⚡
Proof of concept in 48 hours
This dashboard — 22 years of data, 13-region SRRI, predictive models, economic impact calculator — was built by one founder with zero budget using only Saudi government open data.
06 — The Product
From POC to Platform
Two products. One flywheel. Built for Saudi Arabia first, GCC second.
B2B · SaaS
Wahiq Pro
Intelligence for institutions
  • Insurance API — SRRI per policy
  • Municipality planning dashboard
  • Fleet route risk scoring
  • Weekly automated SRRI updates
  • Embedded in actuarial models
SAR 8,000 – 150,000 / month
Primary B2B revenue stream
Insurers · Municipalities · Fleets
B2C · Consumer
Wahiq Go
Safety intelligence for every driver
  • Route risk score before you drive
  • Danger zone alerts along your route
  • Best time-of-day to travel
  • Family safety dashboard
  • WhatsApp bot — zero install required
Free · SAR 19/month premium
36M Saudi drivers
The Real-Time Vision
Where Wahiq Goes by Month 12
From regional intelligence to street-level alerts for 36M drivers
In Development
Today
Regional Intelligence
13-region SRRI scores updated weekly. Route risk briefings via WhatsApp bot. Pre-trip safety intelligence before you drive.
→
Next · MVP
Month 3–9
Wahiq Go App
Turn-by-turn danger zone alerts on iOS and Android. Real-time notifications as you enter high-risk zones. Family safety dashboard. Usage-Based Insurance data layer.
→
Roadmap
Month 9–24
Embedded Intelligence
Wahiq SDK inside Google Maps and Careem. Street-level alerts for 36M Saudi drivers. First Usage-Based Insurance product in the Saudi market. GCC expansion begins.
The same data powering this dashboard today will power real-time alerts for every driver in Saudi Arabia by 2028.
The Flywheel
More Wahiq Go users
→
Behavioral data generated
→
SRRI accuracy improves
→
Insurers trust scores more
→
B2B revenue grows
→
Better app features
→
More Wahiq Go users
Each side makes the other stronger.
Every new user widens the data gap no competitor can close.
NOW · POC
13-region SRRI scoring · 22-year analysis · SAR 27.5B impact model
This dashboard ✓
Live · This dashboard ✓
NEXT · 3–9 MONTHS
Live API + Wahiq Go WhatsApp bot + first paying clients
SAR 25K/month · 3 clients
Starts post-LOI
VISION · 9–24 MONTHS
Embedded in Saudi insurance pricing + 100K Wahiq Go users + GCC expansion
SAR 5–8M ARR
Series A milestone
07 — Traffic Exposure Calendar
When Are Saudi Roads Busiest?
Based on how much traffic is on the road each month — not accident counts
Jan
100.5
NORMAL
Feb
92.5
LOW
Mar
97.8
NORMAL
Apr
101.5
NORMAL
May
94.8
LOW
Jun
102.2
NORMAL
Jul
111.2
HIGH
Summer peak — school holidays
Aug
108.7
HIGH
Summer peak — school holidays
Sep
98.3
NORMAL
Oct
99.1
NORMAL
Nov
96.4
NORMAL
Dec
94.2
LOW
LOW <96 NORMAL 96–06 HIGH >106 100 = a typical month. Above 100 means busier than usual. Below 100 means quieter than usual. Source: GASTAT 2024
Vehicle traffic peaks +11% above average in July–August during Saudi school holidays. Makkah accounts for 37% of all national intercity traffic — the highest single-region exposure in the Kingdom. Insurers and fleet operators should model elevated seasonal and regional exposure together.