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Beema Website Terms of Use


The following section sets out the terms and conditions relating to your use of: (a) the Beema website content under the domain name “” and other associated URLs (the “Site”); and/or (b) the Beema digital application under the name “Beema” (the “App”); and/or (c) any correspondenc by e-mail and/or electronic messages between us and you. In these terms of use, “our”, “we”, and “us” refer to Beema Insurance Services LLC, a limited liability company registered in the Emirate of Dubai, United Arab Emirates, and registered with the UAE Insurance Authority with registration number 768 (“Beema”), and “you”, “your” or “customer” means the user of the Site and/or the App. The Site and the App are operated by Beema, and by using our Site and/or our App, you agree to be bound by these terms and conditions which may be varied by Beema in writing from time to time. These terms supersede any terms agreed to by you and Beema. You will also be bound by Beema’s privacy policy, which may also be varied from time to time at Beema’s sole discretion, so you are kindly requested to refer to this link for more information.

Beema Services

Our services constitute a digital technology platform that enables you to enquire and purchase motor insurance products and related services from our appointed insurance services provider (“Beema Services”). When using the Beema Services, you agree to comply with all applicable laws and regulations in the United Arab Emirates. Unless otherwise agreed by Beema in a separate written agreement with you, the Beema Services are made available solely for your personal and non-commercial use. Please note that we may add additional services from time to time to our existing Beema Services provided by us. Any such additions or amendment will be reflected in these terms and conditions, and you will be notified accordingly via the Site and the App.

Opening of Account

In order to benefit from the Beema Services, you must download the App on your smart device(s), follow the instructions and provide all required information in order to create your personal account (“Account”), and allow us to provide you with the Beema Services. You should provide personal information requested by Beema in order to create the Account, and you hereby allow Beema to collect your personal information in accordance with our Privacy Policy. We may send you informational and marketing e-mails, SMS and/or push-notifications (as the case may be) unless you choose not to receive the same. You are responsible for all activities that occur under your Account, and you agree to maintain the security and secrecy of your Account username and password at all times. You may not authorize third parties to use your Account. You may not assign or otherwise transfer your Account to any other person or entity. If you have reason to believe that your Account is being used in an unauthorized manner, please inform us immediately via

Network Access and Devices

You are responsible for obtaining the data network access necessary to use the Beema Services. Your mobile network’s data and messaging rates and fees may apply if you access or use the Beema Services from a wireless-enabled device. You are responsible for acquiring and updating compatible hardware or devices necessary to access and use the Beema Services and any updates thereto. Beema does not guarantee that the Beema Services, or any portion thereof, will function on any particular hardware or devices. In addition, the Services may be subject to malfunctions and delays inherent in the use of the internet and electronic communications. You may only access the Services by using authorised means, and Beema reserves the right to terminate the Beema Services if you use the same with an unauthorised device.

Ownership of Material

All copyright, designs, graphical and text arrangements, logos, trademarks, database rights and any other intellectual property rights in all material on the Site and the App are owned by Beema or its licensors.


Subject to your compliance with these terms and conditions, Beema grants you a limited, non-exclusive, non-sublicensable, revocable, non-transferrable license to:

  • access and use the Beema Services on your personal mobile device(s) or computer(s) solely in connection with your personal and non-commercial use of the Beema Services.
  • access and use any content, information and related materials that may be made available through the Beema Services, in each case solely for your personal and non-commercial use. Any rights not expressly granted herein are hereby reserved by Beema and its licensors.

Use of Site and/or App

The Site and the App are intended for your personal non-commercial use only. Interference or entry to the Site and/or the App with intent to corrupt, damage, deny service from the Site and/or the App, or for commercial benefit is taken seriously, and we will take any action necessary to protect the Site and/or the App from such activities. You acknowledge that damages may not be an adequate remedy for any infringement and that we are entitled to the remedies of injunction, specific performance (where applicable), an order to deliver up materials which infringe our intellectual property rights and any other statutory or equitable relief and that no proof of special damages is necessary for reliance on such remedies.

Availability of Site and App

We have taken great care in preparing our Site and our App. However, please kindly note that certain technical issues may arise from time to time that are beyond our control. Whilst we will always try our upmost to provide you with the highest quality of user experience in respect of the Site and the App, we cannot, unfortunately, always guarantee you uninterrupted or error free access to the Site and/or the App at all times, that defects will be remedied, or that the Site and/or the App, or the server that makes the Site and/or the App available, are virus free. Occasionally, access may be suspended or restricted to enable us to repair, maintain or update the Site and/or the App, again, we will try our upmost to minimise any convenience caused.

Terms and Conditions of Motor Insurance Products and Services

The insurance services provider for the Site and the App is AXA Insurance Gulf B.S.C (c) (Dubai Branch), a branch of a foreign company registered in the Emirate of Dubai, United Arab Emirates (“AXA”) and authorised and regulated by the Insurance Authority of the United Arab Emirates. Consequently, Beema is not, and should not be, considered as the insurance service provider for the Site and the App. Any claims or disputes for any insurance quotes, policies and claims need to be discussed and negotiated directly with AXA only. For more details and the complete terms and conditions on the relevant procedure on insurance quote, policy and claim, please contact the AXA’s call centre on the toll-free number 800 AXA (292) or visit

Our Site and/or our App is intended for use by residents in the United Arab Emirates only. Applications for motor insurance products or services from non-residents of the United Arab Emirates will not be accepted.

Our Site and/or our App content do not constitute an offer by AXA to sell insurance products and services to everyone who wishes to purchase. AXA retains the right to accept or reject any request to buy the insurance products or services, and any purchase will be subject to the terms and conditions of that insurance product or service.

The information and descriptions on the Site and/or the App may not represent full or total descriptions of all terms and conditions relating to the insurance products and services of AXA. Complete details will be included in your schedule of cover, policy documents and/or conditions of purchase to be provided by AXA.

It is your responsibility to ensure that the details you give to Beema and/or AXA while using this Site are accurate, and ensure that you have sufficient funds to cover the cost of any insurance product or service you purchase.


You are responsible for all costs and charges associated with your purchase of the motor insurance products and related services from AXA (“Costs”). We are responsible for communicating such Costs to you clearly and accurately on the Site and/or the App, and you are responsible to paying the Costs upon purchasing the motor insurance policy and related services. You agree to receive an electronic receipt via e-mail or SMS or through the App itself (as the case may be) following your payment of the Costs. This electronic receipt is sufficient for all purposes, including any specific requirements under applicable laws.

Payment of the Costs will be facilitated by Beema using the preferred payment method indicated by your in your Account including (without limitation) credit card(s), debit card(s), ApplePay GooglePay, or SamsungPay. If your primary Account payment method is determined to be expired, invalid, or otherwise not able to be charged, you agree that Beema may automatically use the secondary payment method from your Account, if available.

Assistance and Feedback

Beema aims to provide the highest standard of service to every customer. If you require any assistance with our Site, our App and/or if our service does not meet your expectations, we want to hear about it, and all requests for assistance and/or feedback we receive are taken seriously. The following will help us understand your queries and give you an appropriate response.

When you make contact with us via , please kindly provide the following information:

  • Your name, address, telephone number and e-mail address.
  • Your policy and/or claim number, and the type of policy you hold.
  • The nature of your complaint

Any e-mail correspondence should be headed ‘ASSISTANCE’ or ‘FEEDBACK’ and you may include copies of supporting material

Printing, Copying and Saving

You may only print or copy for your own personal use any part of our Site and/or our App, but otherwise you are not allowed to copy or print either parts or all of our Site and/or our App for any other purposes.


It is our aim to correct any error on the Site and/or the App as soon as practicable. Every effort is taken to ensure the Site is accurate and up to date. However, all warranties and representations (whether express or implied) and all liability to you in respect of the Site, its content and your use of the same, are excluded to the fullest extent permitted by the applicable law.

If any provision in these terms and conditions shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

Limitation of Liability

Beema shall not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, including lost profits, lost data, personal injury, or property damage related to, in connection with, or otherwise resulting from any use of the Beema Services. Beema shall not be liable for any damages, liability or losses arising out of your use of or reliance on the Beema Services or your inability to access or use the Beema Services.

Beema shall not be liable for delay, failure in performance, or other injuries resulting from causes beyond Beema’s reasonable control. Further, Beema is not liable for any other intangible losses resulting from:

  • your use of or reliance on the Services or your inability to use the Service;
  • unauthorised access to or alteration of your account or data;
  • statements or conduct of any unrelated third party on the Beema Service; or
  • any other matter relating to the Beema Services.

Beema also assumes no liability or responsibility for a delay, failure in performance, any bugs, viruses, trojan horses or the like that be transmitted to or through the Services by any third party and/or any user content or the defamatory, offensive, or illegal conduct of any third party, or any other injury resulting from causes beyond Beema’s reasonable control. The limitations and disclaimer in this section do not purport to limit liability or alter your rights as a customer that cannot be excluded under applicable law.

Governing Law and Jurisdiction

These terms of use will be governed by the laws of the Emirate of Dubai and the applicable federal laws of the United Arab Emirates. The courts of the Emirates of Dubai will have exclusive jurisdiction to resolve any dispute between arising from or in connection with the Site.