Terms and Conditions

By using our website and price comparison services and/or entering our promotions, you are agreeing to these terms & conditions.


1: INTRODUCTION:
Welcome to insurancetopup.com. This Website (“INSURANCE TopUp”) is a brand name of Noble Insurance Broker LLC. Noble Insurance Broker LLC is authorized and regulated by the UAE Insurance Authority.

Thanks for selecting us (INSURANCE TopUp) “Insurance TopUp”, “Insurance Top Up”, “we”, “us”, “our”. These “Terms and Conditions” will apply to use InsuranceTopUp websites, online applications, services and including by purchasing, buying or receiving quote or limited offers. Please do not use our website or services if you aren’t agreed with these terms & conditions.

We have authority to change, modify, add, or remove portions of these “Terms and Conditions” without informing. These changes will take effect when posted on the website with no other notice provided. You are bound and responsible to read and accept the “Terms and Conditions” on regularly for updates.

2: GENERAL INFO:

According to website conditions make sure you are

(a) at least 18 years of age,

(b) of legal age to form a binding contract, and

(c) not a person barred from entering into contracts under your local jurisdiction.

3: ATTENTION:
This legal notice applies to the entire contents of the Website under the domain name insurancetopup.com and to any correspondence by e-mail between us and you. This notice is issued by insurancetopup.com. Please read these terms carefully before using the Website. Using the Website indicates that you accept these terms and the privacy policy regardless of whether or not you choose to register with us. If you do not accept this legal notice in full, you must leave the Website immediately.

4: CHANGES AND AMENDMENTS:

We reserve the right, at any time and without notice, to revise the contents of this website including these Conditions of Use. Any changes to these Conditions of Use will be posted on this website and by continuing to use this website following any such change, you will signify that you agree to be bound by the revised Conditions of Use.

5: POLICY UNDER-WRITERS:
INSURANCE TopUp arranges the sale of motor insurance policies on behalf of other insurers companies. Further information may be found within the Key Facts document, the insurers underwriting your policy are described in detail on your Certificate of Motor Insurance and within your Policy Booklet.

6: RESIDENCY REQUIREMENTS:

In this website all available products and services only serves for UAE residents, and motor insuring will be available within United Arab Emirates areas. like Abu Dhabi, Al-Ain, Dubai, Sharjah, Ajman, Ras Al Khaimah, Fujairah, Umm al-Quwain.

7: LEGAL EXCLUSIONS AND LIMITATION OF LIABILITY:

7-1: WEBSITE ERRORS:
We take care to ensure that the information contained in this website is accurate and up-to-date. However, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this website, which may contain technical inaccuracies and typographical errors.

7-2: NOT BOUND TO HELP IN LEGAL MATTERS:

We are not providing any legal, accounting or other professional advice or opinion on specific facts or matters. Also, neither we nor any of our directors, employees or agents will be liable for damages arising out of or in connection with the use of this website or the information in it.

7-3: RIGHT TO CHANGE RULES AND REGULATIONS:

We reserve the right, at any time and without notice, to revise the contents of this website including these Conditions of Use. Any changes to these Conditions of Use will be posted on this website and by continuing to use this website following any such change, you will signify that you agree to be bound by the revised Conditions of Use.

8: COPYRIGHTS:

8-1: Copyrights according to the law:

The whole paragraphs of the Site have copyright as a collective work under UAE copyright laws and international conventions.

8-2: Website’s copyrights:

In this website, all intellectual property rights, whether they are registered or unregistered, information content on the website and all the website design, including, but not limited to, text, graphics, online application, source codes connected with the website, photos, illustration, animations videos, and all software compilations, underlying source code and software shall remain are our owned by insurancetopup.com or otherwise used by InsuranceTopUp as permitted by law.

9: LINKS TO THE OTHER WEBSITES:

9:1: Must understand the T&C and PP to related links:

In this website some links, including hypertext links, will lead you to websites or pages that are not under our control so you must aware their policies and terms & conditions.

9-2: For the information and Continence purpose:

These links provided you for information and convenience and the inclusion of any link does not imply endorsement by us in any way.

9-3: Acceptance:

We accept no responsibility or liability for the content of other websites. If you are redirected to another website via our website, you will need to contact that organization separately to remove your details from their records.

10: DISCLAIMER:
Whilst we have undertaken all reasonable steps to ensure that all information contained in our website is accurate and free from error, we do not warrant the accuracy, adequacy, or complete and up-to-date information on our website.

10-1: HIRE YOUR PERSONAL LEGAL ADVISOR:

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

10-2: PRODUCTS CHANGING:

The Company may make changes to the material on this Website at any time without notice. The material on the Website may be out of date and the Company makes no commitment to update such material.

11: VISITOR MATERIALS AND CONDUCT:
11-1: You are prohibited from posting or transmitting to or from the Website any material that is,

  1. threatening,
  2. defamatory,
  • obscene,
  1. indecent,
  2. seditious,
  3. offensive,
  • pornographic,
  • Abusive,
  1. liable to incite racial hatred,
  2. discriminatory,
  3. menacing,
  • scandalous,
  • inflammatory,
  • blasphemous,
  1. in breach of confidence,
  • in breach of privacy or which may cause annoyance or inconvenience etc.

11-2: Also! which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

12: CONDITIONS FOR USING WEBSITE:

12-1: You may not misuse the Website (including, without limitation, by hacking). Otherwise the Website shall fully co-operate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity or locate anyone posting any material in breach of clause 1.11 or clause 1.12.

12-2: At InsuranceTopup.com Each registration is for a single user only. The Company does not permit you to share your user name and nickname with any other person nor with multiple users on a network.  Responsibility for the security of any passwords issued rests with you.

13: SERVICES, COAST, PAYMENT TYPES AND FEES ETC:

13-1: Error in system:

Errors may occur in the process of providing our services and pricing information by the Website.

13-2: Confirmation of prices:

We cannot confirm the price of a product before placing an order. In case that a product is listed at an incorrect price or with incorrect information due to an error in pricing or comparison information, we have the right to cancel your order and notify you via provided email or contact information.

13-3: Order Confirmation Notifications:

In the case that the website takes your order, the same will be debited to your credit card account and will inform you by email.

13-4: Money back processes:

The payment will be processed prior to our dispatch of the product that you have ordered. In any case we need to cancel your order after processed the payment, the paid amount will be send back to your referred bank account.

13-5: Account creation processes:

Account Creation/Membership on the website is free. We will not charge any fee for insurance comparison or visiting.

13-6: payment method:

All customers will be charged in UAE Dirham (PayPal in USD) and differences between approximation in any foreign currency. Actual billing price on the customer’s credit card is probably attributable to different credit card companies charging different exchange rates on different currency.

14: CREDIT CARDS, DEBIT CARDS AND PAYPAL:


14-1: Online payment:

We accept payments online using Credit/Debit Card (Visa and MasterCard) or Cash-On-Delivery in UAE dirham (PayPal in US$).

14-2: Exchange rates:

The differences between approximation in any foreign currency and actual billing price on the customer’s Credit Card bill is probably attributable to different Credit Card companies charging different exchange rates.

14-3: Must have transaction record:

You (Cardholder) must have a copy of transaction records. There is no charge for using your Credit Card purchasing on goods and services.

14-4: Correct information:

Please be sure to provide your correct billing address and telephone or mobile number according to your bank information. Incorrect information can be cause a delay in processing your order.

14-5: Must use your own debit or credit cards:

The Credit/Debit Card details provided by you for benefiting from the services on the website must be truthful, valid and accurate. You will use the Credit or Debit Card which is lawfully owned by you, i.e. in a Credit or Debit card transaction.

14-6: Information Privacy:

All Credit or Debit Cards details and personally identifiable information shall not be shared unless required for fraud verifications or by law, regulation or court order.

14-7: Liabilities:

We would not be liable for any Credit or Debit Card fraud. The liability for use of a card fraudulently will be on you and you will be considered responsible for this fraud.

14-8: We have right Accept or reject the order:

We have the right to refuse to accept the Credit or Debit Card or, in this case the transaction is accepted and cancel the transaction, as part of our own fraud detection program.

14-9: Multiple Bookings:

The multiple bookings will be caused in multiple postings on the cardholder’s monthly statement.

15: SHIPPING AND DELIVERY:


15-1: Shipping costs:

Shipping costs will be calculated according to the cities and method of delivery indicated at the time of checkout. All orders will be shipped out by courier or supplier deliveries.

16: PRIVACY POLICY:


16-1: Safety:

We will not sell or rent your personal information to third parties for marketing purposes without your explicit consent. We only use your information as we have described in the Privacy Policy.

16-2: Protection:

  1. We know the protection of your privacy as a very important community principle. We understand clearly that your Information is one of our most important assets.
  2. We store the Information on computers that will be protected by physical as well as technological security devices.

16-3: Third parties:

We will use third parties to verify and certify our privacy principles. For more information, please check our Privacy Policy page.

17: DATA PROTECTION:


17-1: Personal protection:

Any personal information you will provide to us via this website will be dealt according to our Privacy Statement which can be checked at ” Privacy Policy “.

17-2: Conditions and statements:

Our Privacy Statements are part of these Conditions of Use, so please read carefully. They set out our obligations and your rights in relation to your personal data.

18: OUR SERVICES:
18-1: insurancetopup.com is not a broker.  We are a price comparison service that can be used to find out whether you could save money on a range of insurance or other services or products.

18-2: We currently compare prices for car, home, travel, life and motorbike insurance, utility providers for gas and electric, financial products for loans and credit cards and many more products.

18-3: Our website and price comparison technology has been designed to allow private individuals or businesses seeking products on their own behalf to find the most competitive prices from the leading UAE product and service providers online. Therefore, you may only use our service if you are:

18-4: A private individual wanting to use our website and price comparison technology to find competitive prices for a product or service on your own behalf and/or on behalf of a close family member; or

18-5: Acting on behalf of a company wanting to use our website and price comparison technology to find competitive prices a product or service on behalf of the company; and

18-6: Not involved in any way in searching for insurance, financial services or any other products listed on our website, as a business.

18-7: Our comparison services are free to use. If you purchase a product or service via a third party through our website, we will receive a fee or commission from the provider.


19: DISPUTE RESOLUTION:

19-1: Issues in services:

If you will face an issue with our Services, please must contact us. We will endeavor to resolve your issue as soon as possible.

19-2: Claims:

Any disputes or Claims arising out of or in connection with these Terms of Use will be dealt and construed in accordance with the laws of UAE.

19-3: Language problem:

The language to be used in the arbitration shall be English.

20: COMMUNICATION:
You can contact us through email, live chat on the Site, or by calling our call center on +971 4 2485886

Noble Insurance Broker LLC is authorized and regulated by the United Arab Emirates Insurance Authority.
P.O.Box No: 84694 – Tel: 971-4-263 88 66 (8 lines)


21: INSURANCE TERMS AND CONDITIONS:

21-1: Legal agreement B/W parties:

These Terms & Conditions constitute a legal agreement entered between the Buyer and the Broker (as defined below). This will be applied to any purchase of insurance products made through this platform.

21-2: Introduction:

  1. The “Insurance Broker” means the Noble Insurance Broker LLC, authorized and regulated by the UAE Insurance Authority.
  2. The “Policy” means any insurance policy available through our platform (insurancetopup.com).
  3. The “Buyer” means a person or persons who are buying jointly and severally insurance policy through our platform.
  4. The “Website” means online digital platform (insurancetopup.com), where buyer compare insurance quotes and can choose best one policy cover.

21-4: Agreement with website authority:

By accepting this agreement, the Buyer agrees having accepted website (insurancetopup.com) Terms & Conditions and Privacy Policy, it being specified that neither INSURANCE TopUp nor any of its owners, officers, employees or agents will be participated in this agreement. They will not bear any liability whatsoever with respect to this agreement.

21-5: Selling permission:

The Broker will be able to sell selected insurance policy to the buyer through this platform.

21-6: Information purpose:

Any information regarding a Policy presented on our platform only for information purposes. The Buyer should rely solely on the insurance provider’s (insurance company) terms and conditions in respect of Policy. Because these terms and conditions will apply to the Buyer’s insurance coverage.

21-7: Intermediary:

The insurancetopup.com platform and the Broker act as an intermediary between the Buyer and insurance provider’s (insurance company) offering a Policy through our platform.

21-8: Personal recommendation not allowed:

Neither our platform nor the Broker make any recommendation with respect to the suitability of any Policy. Any decision to buy a particular Policy will be the Buyer’s own responsibility.

21-9: Claim to the website:

The Buyer understands that any claims in relation to any Policy must be made directly to the insurance provider’s (insurance company), and not through this platform or Broker.

22: LIMITATIONS OF LIABILITY:

22-1: Responsibilities:

Neither our platform nor the Broker and any of its directors, officers, employees, service providers or agents will be liable for any loss or damage, whether direct, indirect, consequential or otherwise arising from the purchase by the Buyer of any insurance products through this (our) platform.

22-2: Liabilities:

The Broker, its directors, officers, employees or agents are accordingly indemnified by the Buyer against any claim of any nature whatsoever. Howsoever arising from any damages or loss which might be instituted against the Broker, its directors, officers, employees or agents arising from or connected with or pursuant to the purchase of insurance products contemplated in this agreement.

23: PAYMENTS:

23-1: Online payment:

All payments in relation to a Policy purchased by the Purchaser will be due on demand. All charges payable by the Purchaser will be payable online by Visa or MasterCard Credit/Debit Cards in United Arab Emirates Dirhams.

23-2: Multiple payment:

If a payment for our products or services is made on our website, after details Purchaser is asked to submit will be provided directly to our payment provider via a secured connection. Multiple transactions may result in multiple postings to the cardholder’s monthly statement.

23-3: Authentication:

A certificate of any director, manager or accountant of the Broker as to any amount owed by the Purchaser to the Broker will be constitute prima facie proof of that amount.

23-4: Responsibilities:

It will be the responsibility of the cardholder to retain a copy of transaction records as well as a copy of the terms and conditions set forth in this

24: DELIVERY POLICY:
All documents relating to insurance Policy purchased by the Buyer, including the policy itself, shall be delivered to the Buyer’s exclusively by e-mail or via our website.