🏆 Beema was voted 'Best Insurtech Solution' in the Middle East!
Frequently Asked Questions
Our experts, also known as Beemies, answer your questions in plain and simple language.
Tell me a bit more about Beema and what makes you different from other insurance companies?

We are a young and ambitious team of insurance experts who decided one day to bring some positive disruption to the UAE’s car insurance market 😎

We compared the UAE car insurance market with other markets in the world. We discovered that there was a significant portion of UAE drivers being underserved, or better, overcharged: people who use their cars for daily commute to work nearby, and those who own a second car which they sometimes use for weekend trips. People like you.

Unfortunately, traditional car insurers don’t consider your mileage as an important pricing factor for your insurance premium. In simple terms, you don’t get cheaper car insurance than someone who drives daily from Dubai to Abu Dhabi, covering over 60,000 km in a year. Not fair, right?

With this in mind, we created the first pay-per-kilometre car insurance for the UAE.

Apart from disrupting the market with this new type of car insurance, we have another significant mission. We do everything transparently and efficiently. For example:

  • While insurance could be considered a science, it should first and foremost be of service to regular people. That’s why we don’t hide behind obscure legal terms and insurance jargon. We talk to you in plain and simple language.
  • We go where you tell us to go. Customer feedback is our most important driving force when it comes to developing new product perks or improving a process. So don’t shy away from sharing your feedback and suggestions: the more input we get, the more we can tailor our product to your needs.
OK, so you’re a new company. How do I know that you are not at higher risk of closing down?

We are young, but we have solid backing, so you can be safe with us.

Beema was launched as a joint project between the ENOC Group, BCG Digital Ventures – a US-based corporate investment and incubation company, and AXA, the number 1 insurance brand in the world.

What’s the deal between you and AXA? Is AXA your reinsurer?

We are registered with the UAE Insurance Authority as an insurance agent. It means that rather than reinsuring our own policies, we act as an intermediary for the sale of insurance policies underwritten by AXA.

Where can I review your Terms of Business?

If you’d like to review the terms regarding the use of our website, click here.

To find out more about our insurance terms and conditions, check out our Policy Handbook.

Is my information kept safe with you?

Your information is in safe hands. We don't disclose personal data with anyone, apart from what is required to manage your insurance policy and abide by the law.

For instance, when you purchase a car insurance policy with us, we share the relevant data with AXA, who underwrites our policies. Doing so, AXA can issue all the relevant certificates for your insurance, and keep you in their systems in case you need to file a claim in the future.

The same applies to sharing the data with the authorities. When you buy car insurance, the law requires that some of your data be transferred to the motor insurance database held by the government authority of the Emirate you reside in. If you wish to read up on the privacy terms, check our Privacy Policy.

How can I get in touch with you?

Email us anytime at support@beema.ae

If you have any urgent questions (for instance, regarding a claim, or a pending quote), you can reach us at 800-BEEMA (23362). Our office hours are Saturday to Thursday, from 8am to 8pm.

Why don’t you have any agencies? I am used to doing business with my insurance broker, face to face.

We decided to do all our business online for a good reason. With zero agency offices to pay for, we can reduce our running costs and offer you the best product at the most competitive price.

Think of us as your insurance-broker-turned-friend. If you have a question or a problem, just give us a call and we help sort it out for you right away.

You can get in touch with us from the comfort of your home, without wasting time on driving to your insurance broker or queueing in an agency. And by the way, you save on your mileage, too.😉