Aldawliyah Insurance services L.L.C. is the owner of the website www.aldawliyah.com and will be referred in this agreement as “DIS” OR “US” OR “WE” throughout the website, below definitions will be used
The Portal means this website;
You or customer means the person using this website or a customer that is receiving an insurance advice from US.
Participating Insurer means an insurer whose insurance policy quotes are included on this website.
A Product is an insurance product sold on the portal, same like Policy which means an insurance policy sold on the portal.
Policy Issuance means the delivery of a personalized policy as a customer’s electronic Policy.
This portal is provided by Aldawliyah Insurance services L.L.C. P.O. Box. 25962, Dubai. U.A.E., registered under federal Law No (6) of 2007, Certificate No.071 dated 02nd January 1993 issued by Insurance Authority of UAE.
Please note that this website is intended for use by residents of the UAE only. It’s not applicable to residents of other countries. Aldawliyah Insurance services L.L.C. is not publishing the website for use in any jurisdiction where such publication or use is unlawful.
Aldawliyah Insurance services L.L.C. will ensured that the portal is accessible for 24 Hours a day. But will not be responsible if for any reason, website is unavailable for any time or any period. We have the right to suspend access to the portal temporary or permanently without a notice. We will not be liable for any loss or damage in any way by any means, either directly or indirectly from the usage of this website, for any communications difficulties, access delays, any interruption and/or data delivery, non-delivery, mis-delivery, corruption or destruction of data/information.
4. About Us and Our Services
With Aldawliyah Insurance services L.L.C., you will find competitive quotes for insurance products as well as the information you need to make policy which suits your needs.
We accept payments online using Credit/Debit Cards in AED. You must use your own Credit/Debit Cards. We will not be responsible for any payment cards misuse.
Person under the age of 18 is not allowed to use this portal.
This portal may not constitute a complete description for all product features and terms and conditions. It is important that you read all the insurer’s Terms and conditions before your final purchase.
If you have any doubt of a product to purchase via this portal you should seek advice from Aldawliyah Insurance services L.L.C. we are not responsible for any wrong purchase you make due to lake of information.
The details you submit will be provided directly to our payment provider via a secured connection. The cardholder must retain a copy of transaction records with Merchant policies and rules.
5. PROHIBITED USES
All servers have limited capacity and used by many people, you must not use Aldawliyah insurance services Site in any manner that could damage or overburden our servers, or any network connected to our servers. You must not use the Aldawliyah insurance services Site in any manner that would interfere with any other party’s use of the Aldawliyah insurance services Site.
6. MEANS OF ACCESS
Aldawliyah insurance services Site is generally intended to be viewed by a conventional web browser with a screen resolution of 1024 by 768 pixels or greater. Although you may use other means to access the Aldawliyah insurance services Site, be aware that Aldawliyah insurance services Site may not appear accurately through other access methods, and you use the portal only at your own risk.
You should not access the Aldawliyah insurance services Site through devices or services that are designed to provide high-speed, automated, repeated access, unless such devices are approved or made available by Aldawliyah insurance services.
7. Your responsibilities
This Portal will display Quotes based on the information you have provided to us, that will be conveyed to the Participating Insurers. You are responsible for answering any questions and describing your own circumstances honestly and completely and to the best of your knowledge. Failure to do so may result in us not being able to issue you a policy at all, or not being able to issue you a policy at the quoted price. If a policy is issued and you are later found you have not provided the correct information, your policy may be invalid and claims may not be paid. If your insurance is invalid, you could be responsible for third party damage if you suffer an accident.
You should not proceed unless you understand and agree with those terms and conditions. The terms and conditions of your cover will be those of the Participating Insurer, not those of this Portal. When you accept a Quote, You will also have accepted the terms and conditions of this Portal by using it. We do not accept any responsibility if you fail to provide full and accurate information via the Portal to the Participating Insurer or in any way misrepresented or failed to disclose the facts.
8. Offer and acceptance
Nothing on this Portal shall constitute or be deemed to constitute an offer by us or by any third party to sell you any product or insurance policy or to enter into any contract with you in respect of such product or policy. By submitting your details you are making an offer to obtain the relevant Product or Policy from the relevant Participating Insurer on the Insurer's Terms and Conditions that may be accepted or rejected by you. The contract for the Product or Policy will only be concluded once the Participating Insurer or third party has accepted your offer. You will receive confirmation when your offer has been accepted
9. Validating your policy documents
You may be required, as a condition for the purchase of a Policy, to produce and upload certain personal documents. Once uploaded and verified and payment cleared your policy will be accepted or declined.
The information displayed on our Portal is provided to us direct from each Participating Insurer. We are not responsible for the content of that information which is an invitation to apply for cover made via the Portal by the Participating Insurer concerned and subject to that Participating Insurer's own terms and conditions. We accept no liability for any inaccuracy in the description of Products on the Portal.
11. Know your policy
Aldawliyah Insurance services L.L.C., will make your policy via delivery as an electronic document. It is important that you read the terms of your Policy carefully and familiarize yourself with the terms of your cover, including the deductibles, limits and obligations that apply. Failure to observe the Insurer's Terms and Conditions could result in you losing or being refused cover. Please check that all the details on the Policy are correct and contact us direct if they are not or if you have any question.
12. Policy issuance
In these terms & conditions, Policy Issuance means the delivery of a personalized Policy as a Customer's Electronic Policy.
A Customer successfully purchasing cover refers to the Customer having provided all legal documents in the required form and his payment being released via the payment gateway.
The multiple booking may result in multiple postings to the cardholder's monthly statement.
13. Disclaimer of liability
We are not liable to you for loss or damage that you suffer as a direct or indirect result of:
• Information on this Portal being inaccurate or incomplete.
• A Participating Insurer making an error in its coverage or its price quoted to you.
• Access to personal information beyond our control.
• Our services through our site resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion, accident, insurrection or war.
14. Governing Law
These conditions shall be governed and constructed in accordance with United Arab Emirates law and any disputes shall fall within the exclusive jurisdiction of the UAE Courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.