Terms and Conditions – Buy Any Insurance

The following Terms and Conditions contain important information about your rights and obligations, as well as limitations and exclusions that may apply to you. By using, accessing or purchasing from this website/portal, you acknowledge that you have read, understood and agreed to be legally bound by these Terms and Conditions.

Our Website’s Privacy 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.

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/Usmeans “https://www.buyanyinsurance.ae/”

Brokers means Delta Insurance Services LLC, Regulated By UAE Insurance Authority Registration Number (72).

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, Buy Any Insurance.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 Buy Any Insurance.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 https://www.buyanyinsurance.ae/ 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. Buy Any Insurance.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 Buy Any Insurance.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.

Offers and Discounts:

Best Price Guarantee 1

We will match the price if you find it cheaper.

This is only applicable with an original quote.  This does not apply to quotes that have had a discount applied to them.

Fast 2

Get your policy within 60 minutes

You must provide the correct documentation in order to receive your policy within 60 minutes.

April Promotion:

Free Flask of chai from Project Chaiwala when you purchase a fully comprehensive car insurance.  You have 2 weeks to claim your chai flask from the date of the policy being issued.