In addition to our terms and conditions, the terms and conditions of the Insurance Providers shall apply to any policy purchase through this Website. In case you do not agree to be bound by any or all of the Terms and Conditions stipulated hereunder or Privacy Policy, you should immediately refrain from using this Website.

Furthermore, please be aware that any information provided in this Website in relation to any Products and Policies and its terms and conditions may not constitute complete information and description of the all their features and terms and conditions. It is advisable to read, understand and agree to the terms and conditions of the Insurance Providers before making a purchase through this Website.

Definitions

Website/We/Us means “www.insurcue.com”
Brokers means Al Ittihad Al Dowali Insurance Services (A.I.A.D.I.S.).
Insurer/Insurance Provider means the Insurance Company whose policy quotes are included in this website. Product/Policy means insurance policy available in this website.
You/Customer/Purchaser/User means any person or persons using this website who are purchasing insurance products through this website, or availing broking advice from the brokers
Territory means United Arab Emirates
Services provided in this Website
This Website acts as an intermediary between the Customer and the Insurance Provider. This Website gives an opportunity to the Customers to compare between various insurance policies available in this Territory and by going through the Insurance Providers terms and conditions displayed on policies, the Customers may purchase the best suitable policy as they deem fit. We, www.insurcue.com, do not recommend or endorse with respect to suitability of any Product. Any action or decision taken by the Customer to purchase a particular Product shall be the Purchaser’s sole responsibility and Insurcue.com or the Broker or the Insurance Provider shall not be responsible or liable for any purchase made by the Customers using this Website.

This Website acts only as an intermediary and is not directly involved in the final transactions between the Customers and Insurance Providers.
Some of the advertisements you see on this Website are selected and delivered by third parties, such as ad networks, advertising agencies, advertisers, and audience segment providers. These third parties may collect information about you and your online activities, either on the Website or on other websites, through cookies, web beacons, and other technologies in an effort to understand your interests and deliver to you advertisements that are tailored to your interests. Please remember that we do not have access to, or control over, the information these third parties may collect. The information practices of these third parties are not covered by this Terms and Conditions and Privacy Policy.

This Website, www.insurcue.com shall not deal or provide any services or Products to any of OFAC (Office of Foreign Assets Control) sanctions countries in accordance with the applicable laws of UAE.

Payments and Security

Any person may access the Website and the Products either by registering to the Website or using the Website as a guest.
If you wish to register yourself with the Website, you shall be required to create an account by registering and filling in the details prescribed in the Website registration form. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for any and all activities that occur under your password or account. You agree to (a) immediately notify the Website of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. Insurcue.com cannot and will not be liable for any loss or damage arising from your failure to comply with this Section or for any losses occurring thereto. You, as the User, waive any claims against the Website for any loss and damage suffered by you on account of your failure to comply with the Terms and Conditions.

If any User provides any information that is untrue, false, not updated or incomplete and the Website has reasonable grounds to believe that such information is untrue, false, not updated, incomplete, the Website shall have the right to suspend or terminate the relevant User account or deny services to that particular User for any and all current or future use of the Website.

If you make a payment for our Products or Services on our Website, the details you are asked to submit will be provided directly to our payment provider via a secured connection.

The cardholder must retain a copy of transaction records and Merchant policies and rules.
We accept payments online using Visa and MasterCard credit/debit card in AED (or any other agreed currencies). All transactions shall be in AED.
All credit/debit cards details and personally identifiable information will NOT be stored, sold, shared, rented or leased to any third parties.

Responsibilities of the Customer

At all times, it is important that you as Customers are responsible for providing true and accurate information to all the questions to the best of your knowledge. Failure to give truthful information may result in your insurance being invalid and claims may not be entertained and in no event Insurcue.com shall be responsible for untrue or inaccurate information provided by You, whatsoever.

Customers are firmly advised to read, understand completely and agree with the terms and conditions of this Website as well as the terms and conditions of the Insurance Providers before making any purchase from this Website.

Customers should understand that when they make a purchase, they are purchasing the Policy from the Insurance Providers directly and this Website acts only as a medium throughout the transaction.

Should the Customers have any inquiry or doubt relating to the Terms and Conditions of the Website or that of the Insurance Providers, they are advised to use the help of the customer care service available and clarify all their queries before proceeding with making a purchase using this Website.

Intellectual Property Rights:

Intellectual Property Rights (“IPR”) shall always mean and include copyrights whether registered or not, patents including rights of filing patents, trademarks, trade names, trade dresses, house marks, collective marks, associate marks and the right to register them, designs both industrial and layout, geographical indicators, moral rights, source code, technical data, broadcasting rights, displaying rights, distribution rights, selling rights, abridged rights, translating rights, reproducing rights, performing rights, communicating rights, adapting rights, circulating rights, protected rights, joint rights, reciprocating rights, infringement rights and further shall also include but not be limited to all text, graphics, user interfaces, visual interfaces, sounds and music (if any), artwork and computer code in relation to the Website.

All IPR on the Website exclusively belong to either the Website or the Brokers or the Insurance Providers, as the case may be. Under no circumstance shall any User infringe in any way such IPR during or pursuant to its use of the Website for any purposes whatsoever.

Except as expressly provided herein, the Customer acknowledges and agrees that it shall not copy, republish, post, display, translate, transmit, reproduce or distribute or in any other way infringe any Intellectual Property Right through any medium without obtaining the necessary written authorization from the Website or the Broker or the Insurance Provider of such Intellectual Property Right.

Liability and Indemnification

The Customer hereby indemnifies, defends and holds harmless the entity owning and operating the Website, its subsidiaries, affiliates, vendors, agents and their respective directors, officers, employees and agents (herein after individually and collectively referred to as "indemnified parties") from and against any and all losses, liabilities, claims, suits, proceedings, penalties, interests, damages, demands, costs and expenses (including legal and other statutory fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by the indemnified parties that arise out of, result from, or in connection with :
  • The Customers’ breach of these Terms and Conditions, or
  • Any claims made by any third party due to, or arising out of, or in connection with, the Customers’ use of the Website; or
  • Any claim that any third party IPR, proprietary information, content or materials provided by the Customer causes any damage to a third party; or
  • Violation of any rights of any third party by the Customer, including any IPR.

Disclaimer of Liability

The Website shall not be liable or responsible to the Customer for any loss or damage they may suffer as a direct or indirect result of: Information on this Website being inaccurate or incomplete
  • Error in price or coverage provided by the Insurance Provider
  • Customer not being able to use, access the Website due to malfunction, downtime or interruptions.
  • Loss of the Customers personal information beyond the reasonable control of the Website. Loss of personal data or other data, howsoever caused, including without limitation, malfunctioning of the Website, power failures, unlawful access to or theft of, data, viruses, programming defects or negligence on our part or any event beyond our control.
  • Customers provisions of incomplete, inaccurate or misleading information to the Website or to the Insurance providers.

Refund Policy

Customers shall note that this Website do not underwrite insurance cover and any dispute arising between the Customer and a participating Insurance Provider over cover shall not give rise to any rebate or refund or repayment liability or obligation on the part of the Service Providers, including the following, whether or not arising in connection with the Website or the Rating Engine:

(i) the denial, restriction, cancellation or rescission of cover under a Policy issued by a Participating Insurer via the Website for any reason whatsoever, including fraud, misstatement (innocent, negligent or fraudulent) or non-disclosure by you the customer, willful or otherwise; (ii) any rebate/refund or claimed rebate/refund of Premium in connection with (i).

Any arrangements or Customer communication in connection with this paragraph clause shall be implemented by the Participating Insurer directly with the Customer and the Service Providers shall have no obligation to assist in any such matter, whatsoever. Refunds or rebates will be done only through the original mode of payment.

Entire Agreement

This Terms and Conditions (including the Privacy Policy) constitute the entire agreement between the Website and Customers hereto and their respective Affiliates in respect of the subject matter hereof and thereof.

Severability:

If any provision of this Terms and Conditions or the application of such provision to any person or circumstance shall be held (by a court of competent jurisdiction) to be invalid, illegal, or unenforceable under the Applicable Laws, such provision will be severed without affecting the remainder of the provisions hereof.

Governing Law and Dispute Resolution:

United Arab Emirates is our Country of domicile. Therefore, the Terms and Conditions will be governed by and construed in accordance with the laws of the United Arab Emirates. In the event of any dispute arising between the Parties in relation to this Website shall be referred to the jurisdiction of Dubai Courts for resolution.

Online Payment

  • Any dispute or claim arising out of or in connection with this website shall be governed and construed in accordance with the laws of UAE.
  • United Arab of Emirates is our country of domicile.
  • Minors under the age of 18 shall are prohibited to register as a User of this website and are not allowed to transact or use the website.
  • If you make a payment for our products or services on our website, the details you are asked to submit will be provided directly to our payment provider via a secured connection.
  • The cardholder must retain a copy of transaction records and Merchant policies and rules.
  • We accept payments online using Visa and MasterCard credit/debit card in AED (or any other agreed currencies).

Pricing

The premium amounts quoted on the Website are subject to change and may also vary depending on the payment method chosen. Whilst we endeavour to keep all policy details and premiums on the Website current, we cannot and do not guarantee the accuracy of pricing information on the Website.

Other information

The Website contains statements regarding the terms of insurance policies, including details of the benefits available and items not covered by such policies. Such statements are generalised in an attempt to give you a summary of the types of policies presented on the Website. However, not all insurance policies are the same and you should confirm the exact terms of any insurance policy that you intend to enter prior to entering that insurance policy. The product information, service or product advertised on this Website or made available via this Website is available only to residents of the UAE. We are not a registered insurance organisation.

Privacy Policy

  • All credit/debit cards details and personally identifiable information will NOT be stored, sold, shared, rented or leased to any third parties.
  • The Website Policies and Terms & Conditions may be changed or updated occasionally to meet the requirements and standards. Therefore the Customers’ are encouraged to frequently visit these sections in order to be updated about the changes on the website. Modifications will be effective on the day they are posted.
  • Some of the advertisements you see on the Site are selected and delivered by third parties, such as ad networks, advertising agencies, advertisers, and audience segment providers. These third parties may collect information about you and your online activities, either on the Site or on other websites, through cookies, web beacons, and other technologies in an effort to understand your interests and deliver to you advertisements that are tailored to your interests. Please remember that we do not have access to, or control over, the information these third parties may collect. The information practices of these third parties are not covered by this privacy policy. Kindly remove any other statements that contradicts with the above statements.
  • In order to provide our services to you we need to disclose the information you entered into our Website to our Insurance Partners. This information is necessary to provide you with the quotations you have requested. All personal information will be held in strictest confidence and used only for the purposes of retrieving quotes, with certain caveats as described below.
  • We may also use your data to review and analyse market trends and to track sales data. Where you have come to our Website by clicking on a price comparison service button (or a button with similar functionality) on another site, we will supply information about the quotations you have obtained and any policies you obtain to that site.
  • When you submit information into our Website (or when you enquire about or purchase a product or service offered by our business via our contact centre) we collect your data and personal information including sensitive personal data such as health information and criminal proceedings or convictions (the “Personal Information”). You should be aware that without this Personal Information, we may not be able to provide you with the services and/or products you are applying for. We may use or disclose your Personal Information to: our business. payment systems operators and financial institutions. By proceeding with obtaining a quote you will approve your explicit consent to such Personal Information being processed in accordance with the provisions of this Privacy Policy.
  • It is very important to us that we provide a service that meets the expectations of our customers. In order to assist us in doing this, unless you tell us otherwise, we may use the information you supply to contact you by phone, e-mail, SMS or otherwise to tell you about products and services which may be of interest to you. For example, these services could include the following: (1) Newsletters; (2) New product launches; (3) Renewal reminders; (4) Reminders about our service in 11 months time; (5) Future surveys/research.
  • We will provide your Personal Information to organisations authorised by us to conduct promotional, research or marketing activities. If you prefer to opt out of such direct marketing activity, please let us know by any means convenient for you so that we may remove your personal data from our marketing database. However, please remember that by opting out, we will not be able to contact you about products or services that may benefit you.
  • Before you provide us with any information about other people, you must first get their permission. This applies to all information you provide about them, but especially to sensitive data such as health information or criminal proceedings or convictions. In submitting their details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used under the terms of this Privacy Statement.
  • We will endeavour to treat all your Personal Information as private and confidential. Other than under the terms of this Privacy Statement we will not disclose any of your information to anyone unless we are required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend our legal rights.

Other websites

The Website contains links to other websites. Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links. We are not responsible for the privacy policies or practices of any third party. We recommend that you check the privacy policies of these third party websites.

Use of Cookies

  • A cookie identifies your computer to a server that then enables information to be stored on the hard drive of your computer. Cookies allow a computer to be identified as corresponding to one that has accessed another website or visited a site previously. Cookies are commonly used on the Internet and do not harm your computer system.
  • We may, from time to time use and serve cookies, pixel tags or action tags. Any information that is collected via cookies, pixels and action tags is anonymous. We may use cookies, pixel tags or action tags for various purposes, including: (1) collating anonymous aggregated information that is used to manage and plan enhancements to our services; and (2) to evaluate the effectiveness of our advertising and promotions on third party websites, for example by tracking whether these advertisements are clicked on by users.
  • We are continually looking to adopt and implement certain practices and technologies in order that we may improve your user experience.
  • You can stop cookies from being deployed on your computer by configuring your browser not to accept them or opt-out.

Liability

  • Insurance Partners provide some of the information available on the Website (the “Website Information”) and therefore there may be inaccuracies in the Website Information over which we have no control.
  • We do not warrant or guarantee the: (1) timeliness, accuracy or completeness of the Website Information; or (2) quality of the results obtained from the use of the Website.
  • To the maximum extent permitted by law, we have no liability in relation to or arising out of the Website Information and Website recommendations. You are responsible for the final choice of your insurance policy and you should take time to read through all fund information supplied before proceeding. If you are in any doubt regarding an insurance policy or its terms you should seek further advice from us or the relevant insurer before choosing your insurance policy.
  • We may pass on your Personal Information to the relevant Insurance Partner if you purchase an insurance policy through us, however, we do not guarantee when or if you will actually become an insured person under the insurance policy that you have chosen. We do not accept any liability arising out of circumstances where there is delay in you becoming an insured person under the policy you have chosen.

Products Prices

Insurcue is retrieving the prices from the insurance company, hence, we cannot fixed the prices on behalf of the insurance company.
Insurcue is providing eInvoice for all the transaction done through the insurcue’s platform.

Disclaimer

  • We take no responsibility for third party advertisements, which are posted on the Website, nor do we take any responsibility for the goods or services provided by our advertisers. We assume no responsibility for any error, omission, interruption, deletion, corruption, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any of your communication or any content or Personal Information provided through the Website. This Website is provided “as is” without any representations or warranties, express or implied. Nothing on this Website constitutes, or is meant to constitute, advice of any kind.
  • We are not responsible for handling claims. No admission, offer, promise, payment of indemnity is made or given by us. Any claims reported by you to us will be passed to the Partner Insurer and settled directly with you and the applicable Partner Insurer.

Miscellaneous

  • If the whole or any parts of a provision of these Terms and Conditions are void, unenforceable or illegal in a jurisdiction it is severed for that jurisdiction. The remainder of these Terms and Conditions have full force and effect and the validity or enforceability of that provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basic nature of these Terms And Conditions or is contrary to public policy.
  • In the event of a dispute in connection with or arising out of these Terms and Conditions, UAE law will apply. These Terms and Conditions will only apply as between you and us. Unless as otherwise stated in these Terms and Conditions no other person may benefit or rely upon these Terms and Condition

Contact Us

Smart Insurecue Portal
P.O Box: 56399
Al-Quasis 1
Dubai -UAE
Land Line: +971 4 234 5000
Mobile Number: 00971589602508
Email: info@insurcue.com

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We accept payments online using Visa and MasterCard credit/debit card in AED (or any other agreed currency)