Terms & Conditions


These Terms and Conditions (the Application Terms and Conditions) govern the use of this Application and by using the Application you are deemed to have accepted them. Please read them carefully from beginning to end. If you do not wish to be bound by the Application Terms and Conditions you should not use the Application.

From time to time our Application policies and these Application Terms and Conditions may be changed or updated to meet applicable requirements and standards or for commercial reasons. Therefore Customers are encouraged frequently to visit these sections in order to be updated on changes to the Application. We will post the amended version on the Application and they will apply to any transaction or use of the Application from the date of them being posted. However new terms and conditions will not apply to transactions undertaken and fulfilled in their entirety before their posting in amended form.

If you are purchasing an insurance Policy through this Application you should also read the terms and conditions of AWNIC (AWNIC insurance product Terms and Conditions) which is selling the Policy to you and which will be contained in the Model Policy on the Quote Page. Those Terms and Conditions will exclusively govern the terms of the transaction between you and AWNIC. These Application Terms and Conditions govern your use of the Application.
The services of this Application are made available by Al Wathba National Insurance Company.


This Application, Portal or Website means this Application;

You and your or Customer means the person using this Application (or a person receiving insurance advice from AWNIC).

Insurance company, AWNIC, or Insurer means Al Wathba National Insurance Company.

A Product is an insurance product sold on the Application and a Policy is an insurance policy sold on the Application.

Policy Issuance means the delivery of a personalized Policy as a Customer’s Electronic Policy.

Free Personal Accident Benefits – Passengers The passenger cover only for Family member.

Your responsibilities

This Application will display Quotes based on the information you have provided to us which will be considered to generate your quotation. 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 your insurance being 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.

Before purchasing a Policy you should read the Insurance policy Terms and Conditions of business shown in the Model Policy. Your policy wording will be similar, but tailored to your circumstances based on the information you have provided. You should not proceed unless you understand and agree with those terms and conditions. The Terms and Conditions of business you will be agreeing to when you accept a Quote. You will also have accepted the terms and conditions of this Application by using it.

It is of the utmost importance that all the information provided by you via the Application is true and accurate and you have answered all questions to the best of your knowledge. We do not accept any responsibility if you fail to provide full and accurate information via the Application to the Participating Insurer or in any way misrepresented or failed to disclose the facts.

Offer and acceptance

Nothing on this Application shall constitute or be deemed to constitute an offer by us 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 company on the Insurance policy Terms and Conditions as contained in its Model policy that may be accepted or rejected by you.. You will receive confirmation when your offer has been accepted.

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

Know your policy

The Company will make your policy wording available 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 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 AWNIC if you have questions.

Application availability

If you are provided with a password to access the Application you must treat such information as confidential and not disclose it to any third party. If in our opinion you have failed to comply with this requirement or any other term or condition, we reserve the right to disable your password and deny you access to the Application either permanently or temporarily.

We are not responsible for computer viruses or other computer problems you may suffer as a result of using the Application. Please use your own virus checking software.

Policy issuance

In these terms & conditions, Policy Issuance means the delivery of a personalized Policy as a Customer’s Electronic Policy. A reference in this section to 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.

Disclaimer of liability

We are not liable to you for loss or damage (including damages for consequential loss, loss of profits or punitive damages) that you suffer as a direct or indirect result of:

information on this Application being inaccurate or incomplete; your provision of incomplete, inaccurate or misleading information to AWNI, your inability to use our Application at any time for any reason including downtime, malfunctions or interruptions; errors or omissions in the Application; any loss of or access to personal information beyond our control; any distributed loss of service attack, viruses or technologically harmful material that may infect your computer equipment, programs, data or other proprietary material resulting from use of the Application, downloading it or downloading material from it; loss of personal data or other data, howsoever caused, including without limitation, malfunctioning of the Application, power failures, unlawful access to, or theft of, data, viruses, programming defects or negligence on our part; or; any event beyond our control.

Intellectual property

The ownership and/or copyright in the information, content, material and data displayed on this Application belongs to AWNIC. This includes, but is not limited to, all trademarks, service marks, logos, and patents, business names, trading names, domain names, design rights, database rights, copyrights and any other intellectual property rights. All such rights are reserved. All rights in AWNIC MobileApp are owned by AWNIC.

You have the right to print off one copy only of material on this Application for personal use, and not for commercial or business use of any kind. Logos, trademarks and service marks may only be downloaded as part of the text of which they form part. You must not modify the paper or digital copies of such information, content material or data.

Except as expressly permitted under these Application Terms and Conditions, none of the intellectual property rights belonging to us relating to this application (including information, content material or data displayed on it) may be used, copied, modified, published, extracted, utilized, transmitted, displayed, sold, excerpted, reverse engineered, made available, reproduced, reformatted or distributed without our express prior written consent.


You agree to indemnify us against any losses, liabilities, costs or expenses we suffer as the direct or indirect result of:
your breach of these Application Terms and Conditions; or any wilful or reckless act or omission by you; or any use by you of software, robots, spiders, crawlers or similar data extraction or gathering tools.

Your Data

We reserve the right to monitor, record, store and consult our communications with you via the Application, by e mail, telephone text or by any other means whatsoever to check instructions, train our staff and improve service.

We operate a strict Privacy and Data Policy. This is set out under the heading Privacy Policy and is available via our website. 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.


The UAE is our country of domicile. The Application is intended for residents of the UAE and we make no warranty or representation that policies or products referred to in this Application is suitable for, or available in, any jurisdiction other than the UAE.

Any dispute or claim arising out of or in connection with this Application shall be governed by and construed in accordance with the laws of the UAE, and both you and we submit to the exclusive jurisdiction of the UAE courts in respect of them. If you use this website from outside the UAE you do so at your own risk and you are responsible for compliance with local laws.

Refund Policy

This policy is one time issuance policy and no refund will be provided for whatsoever reason.

The Certificate shell be subject to be the terms and condition of al Wathba standard policy wording and insured acknowledges his acceptance of the said terms & Condition.

The insurance policy expired following the period of cover – in case the insured leave the country before ending the insurance period , the policy will be cancelled and so refundable balance.

The insurance policy issued pursuant to this certificate shell be automatically cancelled ,in case of the naturalization and residency Department reject to issue the Visa and in this case 90% of the paid fees will be refunded, provided proof of visa decline and the return of health insurance certificate were submitted within 15 working days inception date.