Terms of Use

Terms of Use

Please read this information carefully. By accessing this website you agree to be bound by all of the following terms and conditions of use. If you do not accept these terms and conditions of use and do not intend to be bound by them you must not use the website and you should exit immediately.

Legal

Copyright in the whole and every part of this website belongs to Juelmin Insurance Services, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or in or on any media to any person without the prior written consent of Juelmin Insurance Services.

Juelmin Insurance and the Juelmin Insurance logo are registered trademarks of companies within the Juelmin Insurance Services group. Juelmin Insurance may also claim rights in other trademarks, service marks, logos and icons contained on this website.

General disclaimer

The information, including any financial information, contained on this website or in any document on this website is provided for information only, and does not constitute a public offer under any applicable legislation or an offer to sell (or the solicitation of an offer to purchase) any services, security or financial instrument of Juelmin Insurance Services and/or any of its subsidiaries in any country, nor does it constitute investment, tax, legal or any other form of advice or recommendation with respect to any such services, security or financial instrument.

Information on this website relating to the share price, or income from shares or other securities or investments may change and go down as well as up, and past performance is not a guide to future performance. Potential investors should seek independent financial advice prior to any investment decision.

While the information contained on this website has been compiled in good faith, no representation is made as to its completeness, reliability or accuracy. The financial reports contained on the website are only current as of the respective date contained in the particular report.

Juelmin Insurance makes no commitment, and disclaims any duty, to update or correct or to provide notice as to any error or omission in any report or other information contained on the website. Juelmin Insurance reserves the right to add, modify or delete information on this website at any time without notice. These terms and conditions of use may change form time to time and those changes will be posted on this website, and will be deemed to be accepted by continued use of the website.

All information and content on the website are subject to applicable statutes and regulations, and are furnished “as is”, without warranty of any kind, express or implied, including but not limited to implied warranties of quality, fitness for a particular purpose, or non-infringement.

Juelmin Insurance shall not be liable (whether in negligence or otherwise) to any person for any error, omission or incompleteness in the information, or reliance on the information, on the website, nor shall Juelmin Insurance be under any obligation to advise any person of any error in the information.

In no event shall Juelmin Insurance, nor any of its directors, officers or other representatives, be liable (whether under contract, tort, statute or otherwise) howsoever for any damages, losses, costs, claims, liabilities or expenses arising out of or in connection with the use of or inability to use the website or the information contained in it, even if Juelmin Insurance has been advised of the possibility of such damages.

This limitation of liability shall apply to all damages, losses, costs, claims, liabilities and expenses of any kind, whether direct or indirect and consequential, including (but without limitation) legal costs or expenses, loss of profits, loss of anticipated savings, loss of data, loss of revenue, loss of business, loss of use of money, loss of opportunity, loss of or damage to property and any third party claims. Because some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

Please note that there is no guarantee that any e-mail sent to Juelmin Insurance will be received by Juelmin Insurance, or that the contents of the e-mail will remain confidential during internet transmission.

Other important information

If for any reason any part of the terms and conditions of use is deemed to be unenforceable, then the validity of the remaining part shall not be affected. Any waiver by Juelmin Insurance of a breach of any provision of these terms and conditions of use shall not be deemed to be a waiver of any subsequent breach of any provision.

These terms and conditions of use and your use of the website shall be governed by and construed in accordance with UAE law. By using this website you accept that any dispute under these terms and conditions of use or arising out of use of this website shall be subject to the exclusive jurisdiction of the English courts to which you submit. You are responsible for compliance with any applicable laws of the country from which you are accessing the website.

Policy Cancellation and  Refund Policy for  Online Payment

I – POLICY CANCELLATION

A) When can I cancel my policy?

You can apply for a refund of the motor policy under the following situations.

  • If you sold your insured vehicle during the first 8 months of the policy period
  • If you wish to export your insured vehicle during the first 8 months of the policy period.
  • If you wish to take another insurance for your vehicle.
  • At the request of Insurance Company in the event of special circumstances

B) What documents do I need to provide to cancel my policy?

The table below explains the documents required for each reason of cancellation:

Reason for cancellation Document required
If you sold your insured vehicle before expiry of the policy New vehicle ownership document from traffic departmentDocument to prove vehicle registration cancellation.
If you wish to export your insured vehicle before expiry of the policy Export document from traffic department
If you wish to take another insurance for your vehicle Copy of New Mulkia showing the details of the new policy, or if its Permanent Mulkia you need vehicle license Certificate

 

C) How can I request for policy cancellation

  • You may apply for a policy cancellation and premium refund by any of below methods:
  • Visit our website to lodge a cancellation request
  • Visit our offices in Dubai .
  • Fill in a cancellation request
  • Provide details and copies of all relevant documents, policy certificate and your ID.
  • Mention the reason for refund and related documents to support.

D) How long it takes to process the policy cancellation

Processing time is 15 working days from the date of submission of valid cancellation request with supporting documents.

E) Other Conditions

  • Cancellation and or refund are subject to evaluation of documents and the policy terms and conditions.
  • Refund requests are processed for policies having no reported claims (own damage / T.P claims)
  • Premium refund is calculated based on a refund tariff structure and is subject to deduction of applicable fees and charges, and the Insurance company’s policies and procedures.
  • Refund of premium, if any, as a result of the changes to the policy is calculated in accordance with tariff structure, policy terms and conditions and company’s procedure
  • Refund for online purchases will NOT be made to your credit card; it will be paid by cheque and to be collected from our offices.
  • There will be no refund on the policy in case of cancellation after the 8th month.

F) Currency

The currency of transaction is UAE Dirhams.

II – AMENDMENTS TO THE POLICY

In case changes to the policy coverage are required after having made the payment online, and if those changes result in reduction of premium, below steps should be followed:

  • Request to policy changes should be made in writing or by email to our underwriting or call center department.
  • Your request is subject to evaluation by the underwriting department
  • You may be requested to provide supporting documents to process your request
  • If the request is approved, confirmation will be communicated to you
  • Refund of premium, if any, as a result of the changes to the policy is calculated in accordance with tariff structure, policy terms and conditions and company’s procedure
  • Refund of premium will NOT be made to your credit card; it will be paid by cheque and to be collected from our offices

 

Policy Termination

Terms & Conditions

  1. The Company may terminate this Policy on the condition that there are serious grounds for termination during the Policy Period by a notice in writing to be sent to the Insured via e-mail, facsimile, hand delivery or registered letter thirty days prior to the fixed date of termination to the latest address of the Insured known by the Company. The Insurance Authority shall be advised of the grounds of such termination. In this case, the Company shall refund to the Insured the paid premium after deducting a portion in proportion to the period during which the Policy has remained in effect.
  2. The Insured may terminate this Policy by a notice in writing to be sent to the Company via e-mail, facsimile, hand delivery or registered letter seven days prior to the fixed date of termination. In this case, the Company shall refund to the Insured the paid premium after deducting a portion in proportion to the period during which the Policy has remained in effect subject to the Short Rate Schedule No. (4), provided that there is no compensation paid to the Insured or pending claims in relation to this Policy during the period of time the Policy is valid, if the Insured has caused the accident or in cases that are deemed committed by unknown persons.
  3. This Policy shall be considered terminated in case of a total loss to the Motor Vehicle, provided that its registration is deleted with a report issued by the Road and Traffic Department confirming that it is unroad worthy, and the Company shall compensate the Insured according to the provisions of this Policy.

Schedule No. (4)

Short Rate Schedule – Percentages of Recoverable Premium

Policy Validity Period Recoverable Premium
A period not exceeding one month 80%
A period exceeding one month and not exceeding four months 70%
A period exceeding four months and not exceeding six months 50%
A period exceeding six months and not exceeding ten months 30%
A period exceeding ten months Nil