Terms of Use

Policy Statement

By using this website, you acknowledge your consent to the following conditions of use, as well as any additional terms contained within this website, without limitation or qualification (Terms of Use). Please read these Terms of Use carefully before using this website. You may only utilise this website in accordance with these Terms of Use.

These Terms of Use may be revised by Ras Al-Khaimah National Insurance Company PSC “RAKNIC” at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then-current conditions to which you are bound.

RAKNIC shall illustrate on the website, the description of the nature of the products that we sell and market electronically, and with self-assessment tools which enable you to assess your insurance needs, and eventually enable you to make an informed decision to conclude the contract.


To the fullest extent permitted by applicable law, the materials on this website are provided as-is and without warranties of any kind, expressed or implied. RAKNIC and its affiliates disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, secure ty or accurateness. RAKNIC does not warrant that the functions of this website and the materials contained herein will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.

RAKNIC does not warrant or make any representations regarding the use or the results of the use, of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not RAKNIC) assume the entire cost of all necessary servicing, repair, or correction of any device or computer you use to access this website.

The information and descriptions contained herein are not necessarily intended to be complete descriptions of all applicable terms, exclusions and conditions and are provided solely for general information purposes. Companies and individuals should not rely on the information provided on this website for the prevention or mitigation of risks or as an explanation of coverage or benefits under an insurance policy. If you are a RAKNIC customer, you may be subject to other agreements with RAKNIC. These Terms of Use apply to use of this website and do not change or alter any other contract or agreement between you and RAKNIC. Please refer to your policy documentation for more information regarding any applicable RAKNIC service or product.

Third-Party Content

This website may contain links to other websites which are not maintained by RAKNIC. RAKNIC is not responsible for the content of such websites. The inclusion of any link to such websites does not imply RAKNIC’s approval or endorsement of such sites or the content thereof. RAKNIC cannot guarantee that the links set out on our website will be accurate at the time of your access. Moreover, the sites pointed at by links have been independently developed and possibly maintained by person(s) over whom RAKNIC has no control.

RAKNIC cannot and does not monitor the third-party sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, RAKNIC assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. RAKNIC believes that our making available links to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Limitation of Liability

While RAKNIC uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permitted by applicable law, RAKNIC makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall RAKNIC or any party involved in creating, producing, or delivering this website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if RAKNIC or a RAKNIC authorised representative has been advised of the possibility of such damages. In no event shall RAKNIC’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. RAKNIC also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.

You (and not RAKNIC) will be responsible for any liability arising out of your access to, or use of, this website or its contents in a manner other than as expressly authorized by these Terms of Use or your violation of applicable laws or any rights of any third party.


Restrictions on Use of Materials

This website is owned and operated by RAKNIC. Except as otherwise expressly permitted by RAKNIC, no materials from this website or any website owned, operated, licensed or controlled by RAKNIC may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way.

You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without RAKNIC’s prior written permission. RAKNIC neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.


RAKNIC shall maintain the confidentiality of the Electronic Information obtained through the website, and shall not disclose this information to any other party except by judicial or security order.

Jurisdictional Issues

Unless otherwise expressly set forth herein, RAKNIC makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so by their own initiative and are responsible for compliance with local laws. Except as expressly set forth herein, the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service offered by RAKNIC. No security, insurance product or other product or service is offered or will be sold by RAKNIC or, if sold by RAKNIC, will be effective in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.

Some products and services may not be available in all jurisdictions. The content and materials contained in this website is to be construed in accordance with and governed by the internal laws of the United Arab Emirates.

Ownership of Information

Any information, other than personal data or information you transmit to RAKNIC via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of RAKNIC. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. RAKNIC is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to RAKNIC via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Trademarks and Copyrights

All trademarks, service marks, trade names, logos, and icons are proprietary to RAKNIC. Nothing contained on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of RAKNIC. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with the permission by RAKNIC. The use of these images by you, or anyone else authorised by you, is prohibited unless specifically permitted by RAKNIC. Any unauthorised use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
RAKNIC grants you a limited right to use the information contained herein. Your right to use the information is subject to any other rules, procedures, policies, terms or conditions that govern all or any portion of the content on the RAKNIC Website. At any time and for any reason RAKNIC may remove these materials from the Website. You may not distribute, modify, transmit, reuse, repost or use any of videos or materials for public or commercial purposes without the express written permission of RAKNIC. All copyright and other proprietary notices contained in materials must be retained.

Policy Issuance

RAKNIC will provide you (the customer) upon request a paper copy of the insurance policy issued electronically signed and stamped by RAKNIC or any other document directly related to this policy through our branches or agent’s branches, or by sending it by registered mail within a period not exceeding seven working days from the date of customer application.

Software Licenses

You hereby agree that you will not transfer or export such software in violation of such applicable export control laws and regulations. RAKNIC does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction where such activity is prohibited by export controls laws and regulations.


RAKNIC reserves the right to change these Terms of Use in order to address future developments of RAKNIC, the website or changes in industry or legal trends. If any portion of these Terms of Use is found to be unenforceable, the remaining sections of the Terms of Use will remain in effect.

Last Updated February 2021

Mobile Applications

These Terms of Use, apply to the RAKNIC mobile application.