eSanad - Success Insurance Services L.L.C. (the “Company” or “eSanad”) is an insurance brokerage company providing brokerage services through conventional and digital platforms for customers to discover insurance quotations, compare them and purchase insurance products and related services through the Company’s website at www.eSanad.com.
These Terms and Conditions govern the use of the Website and should be read together with the applicable terms and conditions of each insurance product issued by the relevant insurance company. By accessing, using, transacting through, or making any enquiry on the Website, the customer confirms that the customer has read, understood, and accepted these Terms and Conditions.
If any separate agreement or specific terms apply to a particular relationship, product, or service between the customer and the Company, those separate terms will prevail to the extent of any conflict.
Insurance products are offered by selected insurance companies and are subject to the approval, underwriting terms, policy conditions, exclusions, and acceptance criteria of the relevant insurer. Discounts and special offers may be made available by specific insurers and remain subject to eligibility, availability, selected product, and insurer approval.
The Website provides information and tools to help you find suitable insurance options from licensed UAE insurers. eSanad acts solely as a broker and does not endorse, guarantee, or take responsibility for the coverage, quality, claims handling, or performance of policies issued by insurers.
Unless the context requires otherwise, the following definitions apply:
• Customer means any individual or entity accessing or using the Website, including any insured person applying for, enquiring about, or purchasing insurance products through the Website.
• Insurance Companies means insurance companies duly licensed and regulated in the UAE that provide insurance products marketed, introduced, or distributed through the Website.
• Insured Person means the person identified as insured under the applicable insurance policy issued by the relevant insurer.
• Insurance Policy means the policy document and related wording issued by the relevant insurer setting out the applicable terms, conditions, exclusions, endorsements, and benefits.
• Insurance Products means the insurance products made available through the Website by insurance companies.
• Service Provider means any third-party provider assisting the Company in providing services through the Website.
• UAE means the United Arab Emirates.
• Website means the Company’s website located at www.eSanad.com and any associated digital platform operated by the Company.
• Personal Data means any information relating to an identified or identifiable natural person.
The Company acts as an insurance broker and facilitator between customers and insurance companies. Insurance quotations, policy issuance, renewals, endorsements, and related services made available through the Website are provided subject to insurer participation and approval.
The Company may offer access to a broad range of insurance services, including products for motor, travel, home, health, and other personal or commercial insurance lines, together with digital support tools and related service features made available from time to time.
Any quotation displayed on the Website is indicative unless expressly confirmed by the insurer. Final premium, coverage, underwriting acceptance, exclusions, excess, benefits, and policy issuance remain subject to insurer review and approval.
The Company may also facilitate digital claims support, service requests, endorsements, cancellations, policy enquiries, loyalty or promotional features, and contact center support. Availability of any feature may vary by insurer, product, geography, and operational requirements.
By using the Website, the customer undertakes and agrees:
• To provide true, accurate, current, and complete information.
• To promptly update any information previously submitted if it changes.
• Not to impersonate any person or entity or misrepresent identity, authority, or affiliation.
• To ensure that all information submitted for quotation, underwriting, issuance, claims, or service requests is complete and not misleading.
• To review all quotation details, policy schedules, terms, exclusions, and endorsements before purchase.
• To maintain the confidentiality of account credentials, verification codes, and access details.
• To use the Website only for lawful purposes and in compliance with all applicable laws and regulations.
The customer acknowledges that inaccurate, incomplete, outdated, or misleading information may lead to rejected quotations, revised premiums, delayed services, claim denial, voidance of coverage, cancellation, regulatory reporting, or insurer refusal.
The customer remains solely responsible for ensuring that selected insurance products are appropriate for the customer’s needs and for reviewing all policy documentation issued by the insurer.
The Company collects, uses, stores, and discloses personal data in accordance with its Privacy Policy published by eSanad from time to time. By using the Website and submitting information, the customer acknowledges and agrees that the Company may process personal data as necessary for quotation, broking, servicing, compliance, fraud prevention, communications, analytics, customer support, and related legitimate business purposes.
Where required by law, the Company will rely on consent or another valid legal basis for processing personal data. The customer confirms that any personal data submitted about another person has been lawfully obtained and shared with appropriate authority.
Information, content, and quotations on the Website do not necessarily constitute a binding offer by the Company or by any insurer. A policy is only concluded when the relevant insurer accepts the proposal, receives any required documentation and payment, and issues the policy or confirms cover.
The Company may decline, suspend, or terminate access to the Website or any service at any time where reasonably necessary for security, compliance, technical, operational, legal, or misuse-related reasons.
The customer may stop using the Website at any time. Termination of Website access does not affect rights, obligations, liabilities, or policy terms already accrued or already in force.
To purchase an insurance policy through the Website, the customer may be required to submit personal, policy, risk, and payment information, upload supporting documents, complete declarations, and accept the applicable insurer’s policy wording and terms.
The customer acknowledges and agrees that:
• Policy issuance is subject to insurer approval.
• Coverage, benefits, exclusions, and conditions are determined by the insurer and policy wording.
• Payment confirmation alone does not guarantee policy issuance unless accepted by the insurer.
• The customer must verify all issued policy details immediately upon receipt and notify the Company or insurer of any discrepancy.
• Cancellation, refund, endorsement, and claims handling are subject to the insurer’s applicable terms, regulatory requirements, and operational processes.
Electronic records, confirmations, declarations, clicks, checkboxes, OTP verification, and digital communications may be used as evidence of instructions, consent, acceptance, and transaction authorization.
The Company may modify, suspend, withdraw, restrict, or discontinue any part of the Website, content, functionality, or services at any time without prior notice, where permitted by law.
The Company does not guarantee uninterrupted or error-free access to the Website and may perform maintenance, upgrades, security updates, or system changes from time from time.
All intellectual property rights in and to the Website, including software, text, graphics, design, layout, trademarks, logos, service marks, databases, compilations, audio, video, content, and underlying technology, are owned by or licensed to the Company unless otherwise stated.
The customer is granted a limited, non-exclusive, non-transferable, revocable right to access and use the Website for personal or internal business use only in accordance with these Terms and Conditions.
The customer shall not, without prior written consent of the Company:
• Copy, reproduce, republish, upload, post, transmit, or distribute Website content.
• Modify, adapt, translate, reverse engineer, decompile, disassemble, or create derivative works.
• Remove proprietary notices or branding.
• Use the Company’s name, logo, marks, or content in any misleading or unauthorized manner.
The Website may contain links to third-party websites, insurer portals, payment gateways, tools, or external platforms. These are provided for convenience only.
The Company does not control and is not responsible for the content, availability, security, privacy practices, terms, or services of any third-party site. Accessing any third-party site is at the customer’s own risk, and the customer should review the relevant third-party terms and privacy notices before using them.
The Website may use cookies, analytics tools, pixels, and similar technologies to support functionality, security, traffic analysis, personalization, service improvement, and marketing measurement.
By continuing to use the Website, the customer acknowledges such use subject to applicable law and the Company’s Privacy Policy. Browser settings may allow some cookie preferences to be managed, though disabling certain cookies may affect Website functionality.
To the fullest extent permitted by law, the customer agrees to indemnify and hold harmless the Company, its affiliates, officers, employees, representatives, agents, and service providers from and against any claims, losses, liabilities, damages, costs, and expenses arising out of or related to:
• Breach of these Terms and Conditions.
• Misuse of the Website.
• Violation of applicable law or third-party rights.
• False, inaccurate, incomplete, or misleading information provided by the customer.
• Unauthorized use of credentials or account access attributable to the customer.
To the fullest extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive loss or damage, including loss of profits, business, opportunity, goodwill, data, or anticipated savings.
The Company shall not be liable for delays, interruptions, failures, or loss arising from events beyond its reasonable control, including insurer decisions, system outages, connectivity failures, cyber incidents, force majeure events, governmental actions, or third-party service disruptions.
Nothing in these Terms and Conditions excludes or limits liability where such exclusion or limitation is prohibited by law.
• If any provision of these Terms and Conditions is held invalid or unenforceable, the remaining provisions will continue in full force and effect.
• No waiver by the Company of any breach or right shall be deemed a continuing waiver.
• These Terms and Conditions may be assigned by the Company to any successor, affiliate, or transferee.
• No agency, partnership, joint venture, employment, or franchise relationship is created by these Terms and Conditions.
• Section headings are for convenience only and do not affect interpretation.
• The Company reserves all rights not expressly granted under these Terms and Conditions.
These Terms and Conditions and any dispute, claim, or matter arising out of or in connection with them, the Website, or any related dealings shall be governed by the applicable laws of the United Arab Emirates.
Subject to any mandatory legal or regulatory provisions, the courts of the United Arab Emirates shall have jurisdiction to hear and determine disputes arising out of or in connection with these Terms and Conditions.
For questions regarding these Terms and Conditions, the customer may contact eSanad using the contact details published on www.eSanad.com.