Privacy Policy

Policy Statement

Ras Al Khaimah National Insurance Company PSC ( “RAK Insurance”, “RAKNIC”, “we” or “us”) is committed to protecting the privacy of the individuals we encounter in conducting our business. “Personal Information” is information that identifies and relates to you or other individuals (such as your dependents). Our aim is responsible handling of Personal Information, balancing the benefits of activities like research and data analytics with our other commitments, including transparency and non-discrimination.

This Privacy Policy describes how we handle Personal Information that we collect through:

• This website/online portal (“the Site”), the software applications made available by us for use on or through computers, mobile devices or other Internet-connected devices (the “Apps”), our social media pages set forth in the links in the footer on (our “Social Media Pages”) (collectively, including the Site, the Apps and our Social Media Pages, referred to as the “RAKNIC On-line Services”); and
• Other means (for example, from your application and claim forms, telephone calls, e-mails and other communications with us, as well as from claim investigators, medical professionals, witnesses or other third parties involved in our business dealings with you).

By using the RAKNIC On-line Services, you signify your acceptance of this Privacy Policy.

Please note: This Privacy Policy is supplemented by Privacy Notices tailored to our specific relationships with you, including Privacy Notices that are sent to individuals as required under applicable laws and regulations.

This Privacy Policy has been written to explain to you, users of our websites and clients, what data we collect, how we use it, and our adherence to the applicable privacy laws in United Arab of Emirates.

By using RAKInsurance’s website, you consent to the data practices described in this statement.

Your privacy is important to us. It is RAK Insurance’s policy to respect your privacy regarding any information we may collect from you across our Website,, and other sites we own and operate.

We only ask for personal information whenever it is essentially required to provide you with the service. We collect it by fair and lawful means, with your knowledge and consent. We also let you know why we are collecting it and how it will be used.

Personal Information That We Collect

General identification and contact information: Your name; address; e-mail and telephone details; gender; marital status; family status; date of birth; passwords on our systems; educational background; physical attributes; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death, injury or disability.

Identification numbers issued by government bodies or agencies: Social Security or national insurance number; passport number; tax identification number; military identification number; or driver’s or other license number.

Financial information and account details: Payment card number, bank account or other financial account number and account details; credit history and credit score; assets; income; and other financial information.

Medical condition and health status: Current or former physical or mental or medical condition; health status; injury or disability information; medical procedures performed; personal habits (for example, smoking or consumption of alcohol); prescription information; and medical history.

Other sensitive information: In certain cases, we may receive sensitive information about you for example, if you apply for insurance through a third party marketing partner that is a professional, trade, political, religious or community organization. In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud. We may also obtain sensitive information if you voluntarily provide it to us (for example, if you express preferences regarding medical treatment based on your religious beliefs).

Telephone recordings: Recordings of telephone calls to our representatives and call centers.

Photographs and video recordings: Photographs or video recordings created in connection with our insurance or other business activities, including for claims assessment, processing, settlement, and disputes, or for other relevant purposes as permitted by law.

Information to investigate or prevent crime, including fraud and money laundering. For example, insurers commonly share information about their previous dealings with policyholders and claimants for this purpose.

Information enabling us to provide products and services: Location and identification of property insured (for example, property address, vehicle license plate or identification number); travel plans; age categories of individuals you wish to insure; policy and claim numbers; coverage/peril details; cause of loss; prior accident or loss history; your status as director or partner, or other ownership or management interest in an organization; other insurance you hold; and details on products for which you have or seek a warranty.

Marketing preferences, customer feedback and survey responses: You may let us know your marketing preferences, enter a contest or prize draw or other sales promotion, or respond to a voluntary survey.

Social media account and information from Apps: We may receive certain Personal Information about you when you use our Apps or Social Media Pages, including your social media account ID and profile picture. If you elect to connect any of your other social media accounts to your account(s) on the RAKNIC On-line Services, Personal Information from your other social media account(s) will be shared with us, which may include Personal Information that is part of you profile relating to those accounts or your friends’ profiles.

Information from Other Sources: We and our service providers may supplement the Personal Information we collect with information from other sources, such as publicly available information from social media services, commercially available sources and information from our affiliates or business partners.


RAKNIC will take appropriate technical, physical, legal and organizational measures, which are consistent with applicable privacy and data security laws in United Arab of Emirates. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), or if you have other data security questions or concerns related to RAKNIC, please immediately notify us. It is worth mentioning that RAK Insurance does not sell user data under any circumstances.

Sharing Personal Information

RAK Insurance may share or transfer information you provide to us or that we collect via the RAKNIC On-line Services under the following circumstances:
Business-related transfers: We may share your information to other businesses that we acquire, are acquired by, or with which we merge or partner.
Service Providers: We may transfer information to third parties with whom we contract to support our activities, including maintaining and managing our end-user information.
Compliance with Laws: We may determine that we need to share your information with law enforcement in order to comply with law or the legal process.
Protect Our Rights: We may share your information to protect our rights and property. For example, we may share information if we believe it will prevent the misuse or unauthorized use of the Website or the Services, protect the personal safety or property of our users or the public, or in the event of bankruptcy proceedings.


When you visit RAKNIC On-line Services, we send one or more cookies (a small file containing a string of characters) to your computer that uniquely identifies your browser. We use cookies to improve the quality of our service by storing user preferences and tracking user trends. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent.

Use of Service by Minors

RAKNIC On-line Services are not directed to individuals under the age of eighteen (18). We request that individuals under the age of eighteen (18) not to provide Personal Information through these services.


RAKNIC On-line Services may link to external sites that are not operated by us. Please be aware that we have no control over the content and practices of these sites and cannot accept responsibility or liability for their respective privacy policies. You are free to refuse our request for your Personal Information, with the understanding that we may be unable to provide you with some of your desired services.


When you buy a product or service from us, you will have access to a policy document relating to that product or service. If there is any conflict between the terms of this privacy statement and those of the specific privacy statement that applies to a particular product, then the terms of the latter will prevail.

Your continued use of RAKNIC On-line Services will be regarded as acceptance of our practices around privacy and Personal Information. If you have any questions about how we handle user data and Personal Information, feel free to email us at [email protected] or call us on 800 7254 (RAKI). Please note that we can only respond during our office hours 6.00am – 11:00pm Sunday to Saturday except public holidays.

We may revise this policy at any time. Any policy revisions will be effective upon posting to the website. You should review this policy, each time you visit the website or the services, to inform yourself of any revisions. Your continued use of the website will constitute your acceptance of the Policy as revised.

This policy is effective as of 25th February 2021.