InsureOne : Car, Travel , Home Medical & Yacht Insurance

TERMS AND CONDITIONS FOR THE SUPPLY OF SERVICES

Please read these terms and conditions for the supply of services carefully before accessing or using the services.

1. Who we are

We, Premier Insurance Brokers LLC OPC, conduct business under the name “InsurOne,” Our company is based in Abu Dhabi, United Arab Emirates, Building No. C66 Golden Tower mezzanine floor 15 Muroor street Al Nahyan Camp P.O Box 4313 Abu Dhabi UAE

Our operations are certified by the UAE Central Bank (Registration No. 264), and we proudly hold membership with Emirates Insurance Association. We are also registered with the Department of Economic development (Trade Licence No. CN-2276972). Additionally, we have been granted the Health Insurance Intermediary Permit (ID No. B063 & ID No. BRK-00164) from the Department of Health Abu Dhabi & Dubai Health Authority.

By offering our services through the website https://insureone.ae we adhere to the strict standards and regulations set forth by these authorities.

These Legal Terms form a binding agreement between you, whether as an individual or on behalf of an entity ("you"), and Premier Insurance Brokers LLC OPC ("we" or "us"), governing your access to and use of our Services. By accessing or using the Platform or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, including any additional terms, conditions, or policies incorporated by reference or applicable to specific parts of the Platform or Services. If you do not agree to these Terms in their entirety, you are prohibited from accessing or using the Platform or Services and must discontinue use immediately.

Supplemental terms, conditions, or documents that may be made available on the Services from time to time are hereby expressly incorporated into these Legal Terms by reference. The Company reserves the right, in its sole discretion, to amend, modify, or update these Legal Terms at any time and for any reason, without prior notice. Notification of any such changes shall be provided by updating the "Last Updated" date indicated in these Legal Terms. By accepting these Terms, you expressly waive any right to receive specific notice of such changes. It is your responsibility to review these Legal Terms periodically to remain informed of any updates. Your continued access to or use of the Services following the posting of revised Legal Terms shall constitute your acknowledgment and acceptance of the changes therein.

The Services are intended for users who are at least 18 years old. Persons under 18 are not permitted to use or register for the Services.

Prior to addressing the specific provisions concerning our products and services, it is hereby affirmed that the Company is dedicated to offering a diverse portfolio of high-quality insurance products and services designed to meet the specific needs of its customers. These Terms and Conditions set forth the respective rights and obligations of the customer and the Company, ensuring transparency and fostering a mutually beneficial relationship. By accessing or utilizing the Company’s products and services, customers expressly agree to be bound by these Terms and Conditions.

2. Defined terms

In these terms of supply:

2.1 “contract” has the meaning given to that term in clause 3.1;

2.2 “insurance products” means the various insurance products described on this platform, from time to time;

2.3 “insurer” means the provider of insurance products available via this platform. It represents a group of selected insurers incorporated and licensed to offer insurance services in the UAE. The insurer is the party assuming the insurance risk and managing the insurance company’s operations. The insurer’s name will be displayed on the comparison screen and in the associated policy documents relating to you;

2.4 “insurer’s documentation” means all of the applicable terms and conditions for an insurance product, including the policy wording;

2.5 “order confirmation” has the meaning given to that term in clause 8.2;

2.6 “platform” means either the website located at www.insureone.com and/ or any associated mobile application provided by us;

2.7 “quote” means a price provided by an insurer for comparison purposes based on the information you have provided;

2.8 “request” including, but not limited to, any request, order or application;

2.9 “services” means any insurance related services provided by us, including, but not limited to, any price comparison tool, procurement of insurance products on your behalf and the services described in clause 6.5;

2.10 “terms of supply” means these terms and conditions for the supply of services;

2.11 “UAE” means the United Arab Emirates;

2.12 “VAT” means value added tax or similar tax payable to any government authority according to the applicable VAT law; and

2.13 “you” and “your” means the individual who intends to use or is using this platform. It also includes the person applying for insurance coverage through this platform, who, upon purchasing insurance, becomes a policyholder, insured, and customer/client of ours.

3. Our contract with you

3.1 These terms of supply apply to the receipt by you and supply of services by us to you, being the “contract”. They apply to the exclusion of any other terms that you seek to impose or incorporate, or which are implied by law, trade custom, practice or course of dealing.

3.2 Your use of this platform is an offer by you to receive the services subject to the terms of the contract, including these terms of supply.

3.3 The contract is the entire agreement between you and us in relation to its subject matter. You acknowledge that you have not relied on any statement, promise or representation or assurance or warranty that is not set out in the contract.

4. Other terms which may apply to you

These terms of supply refer to the following additional terms, which also apply to the contract:

(a) our Platform Terms of Service , which set out the terms applicable to your use of this platform;

(b) our Privacy and Cookies Policy , which explains how we collect, use, and store your personal data, and provides information about the cookies used on this platform.

5. Acceptance of terms of supply

5.1 By using this platform, you:

(a) confirm that you are over the age of 18 and reside in the UAE;

(b) confirm that you accept these terms of supply and the additional terms referred to in clause 4, and that you agree to comply with them. If you do not agree to those terms, you must not use this platform;

(d) engage us to supply the services; and

(e) authorize us to represent you when supplying the services.

5.2 We recommend that you retain a printed copy of these terms of supply for future reference.

5.3 This platform and the services are intended for personal use only and must not be used for business or commercial purposes.

5.4 These terms of supply and the contract are made only in the English language.

6. Our services

6.1 We are a provider of an online insurance products search engine which is a channel of communication between potential buyers of insurance products and insurers. We compare insurance products from a range of insurers. You will find competitive quotes for insurance products as well as high level information to assist you in deciding which insurance policy suits your requirements.

6.2 Please be aware that the information and descriptions of insurance products on this platform may not constitute a complete description of all of their features, and terms and conditions. It is important that you read all of the insurer's documentation before you proceed.

6.3 This platform aggregates high level factual information in respect of the insurance products. We do not provide insurance, financial or other advice of any kind in relation to any insurance product that is described on this platform, nor do we recommend or endorse any insurance product as being suitable for you. It is solely your responsibility to make a choice based on the high level information displayed on this platform, and the detailed terms and conditions in the insurer’s documentation.

6.4 If you are in any doubt as to the suitability or adequacy of any insurance product to purchase via this platform, you should seek advice from an insurance broker, investment adviser or other professional.

6.5 We offer the following services:

(a) comparison of insurance product premium prices, allowing you to assess offers from insurers for various insurance products and review high level insurance product information provided by insurers;

(b) insurance brokerage services which include us communicating with insurers, arranging insurance coverage on your behalf and acting as an intermediary in the contract negotiations between you and the insurer; and

(c) facilitating the provision of the insurer’s documentation to you. The insurer’s documentation will be in electronic format, including a dated electronic insurance policy. The issued electronic version (PDF and/or email) of the insurer’s documentation encompasses all insurance product contents, such as the insurance application, policy wording, coverage limits, and any additional annexures.

6.6 You acknowledge and agree that:

(a) you are contracting directly with the insurer for the supply of the insurance products in accordance with the terms and conditions of the insurer’s documentation;

(b) the terms and conditions of the insurer’s documentation will take precedence in respect of any information or content regarding the insurance products on the platform; and

(c) we cannot guarantee the solvency or ongoing solvency of an insurer, and we do not assume liability for any losses arising in this context.

6.7 We may also provide cross-selling opportunities or offers from third parties.

7. Request to purchase insurance products

7.1 Please follow the onscreen prompts to review comparison information, and select, request and purchase the insurance products. You may only request to purchase the insurance products using the method set out on this platform.

7.2 Please check any request to purchase insurance products carefully before submitting it. You are responsible for ensuring that your request and any information or specifications submitted by you are complete and accurate.

8. Acknowledgement and acceptance of your request

8.1 After you request to purchase insurance products, you will receive an email from us acknowledging that we have received your request, but please note that this does not mean that your request has been accepted.

8.2 [The insurer’s] acceptance of your request takes place when we send an email to you to accept it on behalf of the insurer (order confirmation), at which point and on which date the separate contract for the purchase of the insurance products between you and [the insurer] will come into existence. The contract will relate only to those insurance products confirmed in the order confirmation.

8.3 If we are unable to facilitate the supply of the insurance products to you for any reason, we will inform you of this by email and we will not process your request. If you have already paid for the insurance products, we will facilitate a refund of the full amount paid.

9. Our obligations

We will:

(a) supply the services using reasonable care and skill; and

(b) use reasonable endeavors to meet any performance dates specified in the order confirmation, but any such dates are estimates only and failure to perform the services by such dates will not give you the right to terminate the contract.

10. Your obligations

10.1 It is your responsibility to ensure that:

(a) the terms of your request are complete and accurate;

(b) you cooperate with us in all matters relating to the services;

(c) you provide us with such information and materials we may reasonably require in order to supply the services, and ensure that such information is complete and accurate in all material respects; and

(d) you comply with all applicable laws.

10.2 If our ability to perform the services is prevented or delayed by any failure by you to fulfil any obligation listed in clause 10.1 (your default):

(a) we will be entitled to suspend performance of the services until you remedy your default, and to rely on your default to relieve us from the performance of the services, in each case to the extent your default prevents or delays performance of the services. In certain circumstances your default may entitle us to terminate the contract under clause 24 (Termination);

(b) we will not be responsible for any costs or losses you sustain or incur arising directly or indirectly from our failure or delay to perform the services; and

(c) it will be your responsibility to reimburse us on written demand for any costs or losses we sustain or incur arising directly or indirectly from your default.

11. Amendments and changes

11.1 We may amend these terms of supply from time to time. Every time you wish to use this platform, please check these terms of supply to ensure that you understand the terms that apply at that time.

11.2 We may update and change this platform and/ or the services from time to time to reflect changes to services, insurance products, our users’ needs and our business priorities or for any other reason without prior notice or any liability.

11.3 We do not guarantee that this platform, the online payment gateway, the services, the insurance products or any content will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of this platform, the online payment gateway, the insurance products and/ or the services for business, operational, maintenance or any other reason without prior notice or any liability.

11.4 You are also responsible for ensuring that all persons who access this platform through your internet connection are aware of these terms of supply and other applicable terms, and that they comply with them.

12. Your information and documents

12.1 You are responsible for updating, maintaining and ensuring the completeness of the information in your profile on this platform so that it is accurate.

12.2 If any insurance products are purchased based on untrue, inaccurate, outdated or incomplete information, those insurance products and/or the contracts in respect of them may be voidable at the discretion of the insurer or void ab initio if necessary.

12.3 You are required to comply with all laws, including the applicable financial crime regulations, including but not limited to anti-money laundering, countering financing terrorism, fraud prevention, and international economic financial or trade sanctions laws and regulations.

12.4 We and/or the insurer reserve the right, at their sole discretion, to refuse or decline to provide a quote or issue a policy to you without providing any justifications.

13. Disclosure obligations

13.1 You are responsible for ensuring the completeness and accuracy of all information you provide or enter into this platform, as well as any information supplied by us for your review.

13.2 To obtain a quote for any insurance product, you will need to answer a series of questions. These questions are designed to ensure that we and the insurers have all the necessary information to provide you with accurate, relevant, and timely information regarding the products or services you are interested in. When feasible, we will assist in expediting the completion of online forms by pre-populating them with information we already possess about you (or your vehicle) from your profile, insurers or relevant sources. By accepting these terms of supply, you provide consent for this activity.

13.3 When we pre-populate the form, it is essential that you verify the accuracy and currency of the information. While we strive to provide a comprehensive and user-friendly service, certain requirements for your quote may not be met if they are unusual, “non-standard,” or deemed “high risk.” In such cases, you may need to contact our customer service team for further assistance.

13.4 Different insurance, product and service providers may adopt varying approaches in providing quotes, and not all products may have available quotes. If you express interest in a product restricted by insurers, we or the insurers may contact you to offer further assistance.

13.5 We do not control the pricing, guarantee the validity of any quotation, and reserve the right to cancel any quote without providing a reason.

13.6 In the case of insurance, the level of coverage and the premium amount are determined by your answers to the questions. It is crucial to answer all questions truthfully, fully, and to the best of your knowledge and belief, as they constitute essential and fundamental information.

Failure to provide complete and accurate information may result in:

(a) voiding of any purchased insurance product, meaning you will be unable to make a claim, and any payments made may not be refunded;

(b) additional premium payments under your policy to reflect increased insurance risk resulting from incomplete or inaccurate information;

(c) liability for damage or loss to a third party in the event of an accident caused by you, depending on the terms and conditions agreed upon with your insurer;

(d) if you misrepresent your claims history, insurance companies reserve the right to charge additional premiums, deny payment for vehicle damage, or alter the repair conditions stated in the policy; and

(e) providing false, misleading or unclear photographs of your vehicle when required may lead to policy cancellation, and any vehicle-related claims may be rejected.

13.7 You grant us the right to use your information, including sharing it with insurers, intermediaries, auditors, regulators, and other third parties involved directly or indirectly in your insurance coverage.

13.8 You agree to promptly inform us or the insurer of any changes to the information you have provided, as such changes may impact your insurance coverage.

13.9 During the term of your insurance policy, it is essential that we have your up-to-date contact details, including your telephone number and email address. Failure to provide accurate and current contact information may result in us being unable to send you important communications regarding your policy.

14. For use by UAE residents only

14.1 This platform and the services:

(a) are directed to and intended exclusively for residents of and vehicles located within the UAE; and

(b) do not constitute an offer or promotion of services or products to individuals who are not residents of the UAE or for vehicles located outside the UAE.

14.2 We do not make any warranty or representation that this platform is available or suitable for use by individuals outside of the UAE.

15. Insurer’s documentation

15.1 You acknowledge and agree that you will read the insurer’s documentation in full, as it governs any insurance products, transactions or agreements between you and the insurer.

15.2 Your insurance policy may include warranties and conditions that are important terms. It is your responsibility to fully comply with these terms. Failure to do so may result in the insurer refusing to pay a claim or canceling your policy from the beginning. Complete details can be found in your policy schedule and policy wording.

16. Payments

16.1 Insurance premiums can be paid via a third party online payment gateway. Use of the online payment gateway will be subject to the Online Payment Terms and Conditions.

16.2 In the event that the insurer does not issue the policy after you have paid the premium through the online payment gateway, we will refund the paid amount (policy premium) to the same card used for the payment within twenty four (24) hours.

16.3 You must ensure that your insurance premiums are paid by the due date. Failure to pay premiums by the due date may result in the loss of insurance coverage, , meaning you will no longer be insured under the policy.

16.4 The insurer will not provide cover or be liable to pay any claims or provide benefits if doing so would expose the insurer to any sanction, prohibition, or restriction under United Nations resolutions or the trade, economic, or financial sanctions laws or regulations of the UAE.

16.5 You must exercise caution and verify the source before making any additional payments if you receive requests for payment via email or other non-secure methods.

16.6 You acknowledge and agree that payment of the premium does not guarantee the issuance of the underlying insurance policy or the payment of any claim.

17. VAT

Payments for insurance premiums are [inclusive/exclusive] of VAT. Where VAT is payable in respect of insurance premiums you must pay us such additional amounts in respect of VAT, at the applicable rate, at the same time as you make the payments.

18. Amendment, renewal, or cancellation of insurance policy

18.1 If you wish to amend or cancel your insurance policy, please refer to the post-sales section of our website for details on how to proceed or consult your policy wording documentation.

18.2 Amendments or cancellations are subject to the terms of your insurance policy.

18.3 In the event of policy cancellation, you may be eligible for a refund according to the motor unified policy, as well as the terms and conditions determined by your insurer. Please note that any applicable cancellation fees may be deducted from the refund.

18.4 We will notify you before the expiry date of the insurance policy purchased through this platform, allowing you to express your desired course of action for renewal.

18.5 During the policy cancellation process, the insurer may require additional documentation to support your cancellation request. If this is the case, we will contact you to request copies of the required documents. Failure to provide these documents promptly will delay the cancellation process.

19. Responsibility for content

19.1 The content on this platform is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on this platform.

19.2 Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

19.3 We are responsible for accurately reflecting product quotes through our price comparison technology. We also take responsibility for factual statements made by us and for protecting your data in accordance with data protection laws.

19.4 We are not responsible for any commentary, opinions, ratings, or other postings on this platform made by third parties.

19.5 Where this platform contains links to other sites and resources provided by third parties, they are provided for your information and convenience only. You acknowledge that we have no control over the contents of those sites or resources. We do not endorse the contents of such third-party sites or assume any responsibility for their content. We disclaim any liability for losses, damages, costs and expenses arising out of or in connection with the content of third-party sites.

19.6 Insurers and third-party websites are accountable for any failings or errors on their respective websites.

20. Intellectual property

20.1 All trademarks associated with the Services, including but not limited to the "InsureOne" name, as well as any related graphics, slogans, or branding elements, are the exclusive property of Premier Insurance Brokers LLC OPC ("the Company"). These trademarks may not be used, reproduced, displayed, or exploited in any manner without the prior written consent of the Company.

20.2 The intellectual property rights ("IP Rights"), including but not limited to copyrights, trademarks, trade names, service marks, logos, domain names, and other brand features, are the sole property of Insureone.ae or its licensors. These IP Rights are protected under applicable local and international intellectual property laws and may not be used, reproduced, or otherwise exploited without the express prior written consent of Premier Insurance Brokers LLC OPC.

20.3 The InsureOne platform, including all associated content, text, images, software, and code, is the exclusive property of Premier Insurance Brokers LLC OPC. Users are expressly prohibited from modifying, publishing, transmitting, participating in the transfer or sale of, reproducing (except as explicitly permitted), creating derivative works from, distributing, performing, displaying, or otherwise exploiting any content, software, materials, or Services, in whole or in part, without the prior written consent of Premier Insurance Brokers LLC OPC.

21. Privacy and data protection

21.1 We will use any personal information you provide to us to:

(a) provide the services;

(b) process your payment for insurance premiums; and

21.2 We will process your personal information in accordance with our Privacy and Cookies Policy, the terms of which are incorporated into this contract.

21.3 In order to analyze and find the best match products for you, obtain insurance quotations, and arrange, place, or administer insurance coverage for you, we need to use and disclose the information we have about you. This may involve sharing information with insurers, intermediaries, auditors, regulatory bodies, and other third parties directly or indirectly involved in your insurance coverage. By using our services, you consent to the use and disclosure of your information for these purposes.

22. Claims

22.1 You must notify us or the insurer as soon as possible of any loss, claim, or circumstance that falls within the notification provisions of your insurance policy. If you notify us, we will assist you in notifying the insurer. Failure to promptly notify may entitle the insurer to reject your claim. Until you have obtained agreement from your insurer, you should not admit liability or agree to any course of action other than emergency measures to minimize loss or ensure health and safety. You must comply with the terms and conditions of the policy regarding claim matters.

22.2 For details on the claims procedure, please refer to the post-sales section of our website or consult your policy wording documentation.

22.3 If an insurer delays the settlement of a claim for any reason, we are not liable to pay any amounts until the insurer has paid the claim to us in cleared funds.

23. Limit of liability

23.1 Our liability to you in respect of this platform and for the services we provide is limited to the extent permitted by the law of the UAE.

23.2 We only provide our site for domestic and private use. You agree not to use this platform and any services provided for any commercial or business purposes, and we have no liability to you in this regard.

23.3 We will not be liable to you, whether in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising under or in connection with the contract for:

(a) loss of profits;

(b) loss of sales or business;

(d) loss of anticipated savings;

(e) loss of use or corruption of software, data or information;

(f) loss of or damage to goodwill; and

(g) any indirect or consequential loss.

23.4 Subject to clause 23.1, our total liability to you arising under or in connection with the contract, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, will be limited to [AED [insert] / [insert]% of the total payments paid under the contract].

23.5 Unless you notify us that you intend to make a claim in respect of an event within the notice period, we shall have no liability for that event. The notice period for an event shall start on the day on which you became, or ought reasonably to have become, aware of you having grounds to make a claim in respect of the event and shall expire [insert] months from that date. The notice must be in writing and must identify the event and the grounds for the claim in reasonable detail.

23.6 Nothing in these terms of supply limits or affects the exclusions and limitations set out in the Platform Terms of Service .

23.7 This clause 24 will survive termination of the contract.

24. Termination

24.1 Without limiting any of our other rights, we may suspend the performance of the services, or terminate the contract with immediate effect by giving written notice to you if:

(a) you commit a material breach of any term of the contract and (if such a breach is remediable) fail to remedy that breach within [seven] days of you being notified in writing to do so;

(b) you fail to pay any amount due under the contract on the due date for payment;

(c) you take any step or action in connection with you entering bankruptcy or any composition or arrangement with your creditors, applying to court for or obtaining a moratorium, having a receiver or agent appointed to any of your assets or, if the step or action is taken in another jurisdiction, in connection with any analogous procedure in the relevant jurisdiction;

(d) your financial position deteriorates to such an extent that in our opinion your capability to adequately fulfil your obligations under the contract has been placed in jeopardy.

24.2 Termination of the contract will not affect your or our rights and remedies that have accrued as at termination.

24.3 Any provision of the contract that expressly or by implication is intended to come into or continue in force on or after termination will remain in full force and effect.

25. Events outside our control

25.1 We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under the contract that is caused by any act or event beyond our reasonable control (event outside our control).

25.2 If an event outside our control takes place that affects the performance of our obligations under the contract:

(a) we will contact you as soon as reasonably possible to notify you; and

(b) our obligations under the contract will be suspended and the time for performance of our obligations will be extended for the duration of the event outside our control. We will arrange a new date for performance of the services with you after the event outside our control is over.

25.3 You may cancel the contract affected by an event outside our control which has continued for more than 60 days. To cancel please contact us. If you opt to cancel we will refund the price you have paid, less the charges reasonably and actually incurred us by in performing the services up to the date of the occurrence of the event outside our control.

26. Complaints procedure

26.1 If you have a complaint, you can raise it as follows:

(a) complaints about insurance products acquired via this platform:

If your complaint relates to an insurance product acquired via this platform, you should directly lodge a complaint with the relevant insurers responsible for providing the insurance product. We cannot handle complaints on behalf of insurers or accept responsibility for such complaints. However, as your intermediary, we can assist you in getting in contact with the relevant party if necessary. Please contact us for assistance.

(b) complaints about the services provided by us:

If you have a complaint about our services, please contact us via the contact details set out in clause 29.

26.2 Please include your name, postal address, email address, quote reference or policy number, telephone number, and provide as much detail as possible regarding the reason for your complaint. This will enable us to respond to you promptly. If we require further information to investigate your complaint, we will contact you to request it.

27. Notices

27.1 When we refer to "in writing" in these terms of supply, this includes email.

27.2 Any notice or other communication given by one of us to the other under or in connection with the contract must be in writing and be delivered personally, sent by pre-paid first class post or other next working day delivery service, or email.

27.3 A notice or other communication is deemed to have been received:

(a) if delivered personally, on signature of a delivery receipt;

(b) if sent by pre-paid first class post or other next working day delivery service, at 9.00am on the second working day after posting; or

27.4 In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an email, that such email was sent to the specified email address of the addressee.

27.5 The provisions of this clause will not apply to the service of any proceedings or other documents in any legal action.

28. Jurisdiction and enforceability

In the event of a dispute relating to or arising out of these terms of supply, this platform or the services, the laws of the Abu Dhabi Global Market will apply. We both agree that the courts of the Abu Dhabi Global Market will have exclusive jurisdiction.

29. Politically exposed persons

29.1 If you are a politically exposed person or connected to any politically exposed person, you must inform us by emailing info@insureone.ae .

29.2 A politically exposed person is defined as a natural person who currently or previously held prominent public functions in the state or any other foreign country. This includes heads of states or governments, senior politicians, senior government officials, judicial or military officials, senior executive managers of state-owned corporations, senior officials of political parties, and individuals who currently or previously held significant positions within international organizations.

29.3 We reserve the right to refuse to provide (or withdraw) services to politically exposed persons for any reason.

30. General

30.1 We may assign or transfer our rights and obligations under the contract to another entity.

30.2 You may only assign or transfer your rights or your obligations under the contract to another person if we agree in writing.

30.3 Any variation of the contract only has effect if it is in writing and signed by you and us (or our respective authorised representatives).

30.4 If we do not insist that you perform any of your obligations under the contract, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you or that you do not have to comply with those obligations. If we do waive any rights, we will only do so in writing, and that will not mean that we will automatically waive any right related to any later default by you.

30.5 Each paragraph of these terms of supply operates separately. If any court or relevant authority decides that any of them is unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.

30.6 These terms of supply apply solely to us and you. No other person may benefit from or rely on these terms of supply unless stated otherwise.

31. Contact us

31.1 To contact us, please:

(a) email info@insureone.ae

(b) telephone +971 60 051 0100; or

31.2 How to give us formal notice of any matter is set out in clause 27.

31.3 Please include your name, postal address, email address, quote reference or policy number, and telephone number in any written correspondence. This will enable us to respond to you promptly.