Legal Document
Terms & Conditions
Last Updated: 25 February 2026
Introduction
Please read the following Terms and Conditions carefully before using this insurance aggregator platform (the "platform").
By accessing or using this platform, you confirm that you have read, understood, and agree to be legally bound by these Terms and Conditions and our Privacy Policy.
This platform is operated by Braxtone Insurance and Reinsurance Brokers Co. W.L.L. (BIRB), BIRB is licensed by the Central Bank of Bahrain (CBB) as an Insurance Broker and operates this platform as an insurance aggregation service. BIRB acts only as a broker/marketing intermediary and is not an insurer. Insurance products displayed on the platform are offered by licensed insurance companies in Bahrain, which are solely responsible for quotes, policy terms, underwriting, issuance, coverage, and claims decisions.
Customer Consent, Personal Data Protection and Marketing Communications
By using this platform and clicking "Accept", you expressly acknowledge, confirm, and consent to the following:
2.1 Personal Data Collection and Use
You authorize BIRB to collect, store, and process your personal data in accordance with the Bahrain Personal Data Protection Law (Law No. 30 of 2018) and CBB regulations. Data collected may include:
- Personal identification and contact details
- Vehicle and insurance-related information
- Quotation, transaction, and policy data
- Platform usage and interaction record
This data is used for:
- Insurance comparison and policy facilitation
- Policy issuance, renewal, and customer support
- Regulatory compliance
2.2 Marketing and Promotional Communications
You consent to BIRB or its partners contacting you via phone, SMS, email, WhatsApp, or push notifications to promote insurance products and services, offer value-added or cross-sell products, and present offers unrelated to your initial transaction. Communications may be personalized based on your profile and activity. You can opt out at any time by sending a request in writing to us.
2.3 Data Sharing
Your data may be shared with:
- Licensed insurers
- Approved service providers (e.g., verification services, secure payment processing, system operations)
- Technology, analytics, and marketing partners
All such parties are contractually bound to maintain strict confidentiality and may only use your information for legitimate purposes related to underwriting, policy issuance, service delivery, payment processing or regulatory compliance. If you select a specific insurance company, your data will be shared only with that provider to complete your transaction. If you do not select a provider, we may share your request with multiple licensed insurance companies offering relevant products to generate suitable quotations on your behalf.
2.4 Profiling and Analytics
We may use your data to personalize product recommendations and pricing, improve platform functionality and customer experience, and conduct business intelligence and analytics. All such processing will be proportionate and lawful.
2.5 Your Rights
You have the right to request BIRB to:
- Access and correct your personal data
- Withdraw consent for marketing
- Request data deletion (where allowed by law)
2.6 Data Security and Retention
We apply appropriate technical and organizational security measures. Data is retained only for as long as needed for providing services, legal and regulatory compliance, and business continuity.
Eligibility Criteria
To use this platform and obtain an insurance policy, you must meet all the following conditions at the time of policy inception. Failure to meet these conditions may result in rejection or repricing by the insurer.
General conditions:
- The vehicle has not been modified from the manufacturer's original standard.
- The vehicle is of local GCC specification and has been purchased from a GCC-based dealership.
- The vehicle is owned by an individual and not a company.
- The vehicle's registration plate is private.
Motor TPL
- Age of car owner is exceeding 24 years old at time of policy inception date.
- The driving license issued is currently valid and is exceeding a minimum validity period of over one year at the time of the policy inception date.
- There is no traffic accident leading to an insurance claim in the expiring policy.
- The car is fully owned and does not have mortgage or loan.
Motor Comprehensive
- Age of car owner is exceeding 25 years old at time of policy inception date
- The driving license issued is currently valid and is exceeding a minimum validity period of over one year at the time of the policy inception date.
- The car has not been modified from factory specifications
- The vehicle is not imported from outside Bahrain.
- There is no traffic accident leading to an insurance claim in the expiring policy.
- The vehicle is currently insured with a Comprehensive Motor Insurance coverage and does not have break in cover.
Accuracy and Use of Information
You are responsible for ensuring that all information provided through this platform is accurate and complete. Any misrepresentation or omission may result in the cancellation of the quote or policy.
While BIRB strives to maintain accurate and up-to-date information, system or typographical errors may occur. In such cases, BIRB reserves the right to correct any errors or cancel a quote if the displayed information is inaccurate or outdated.
Quotation Validity
Quotes provided through this platform are subject to change based on the final underwriting decision of the insurance company. BIRB does not guarantee that the quote provided will be the final premium charged by the insurance company.
Requirements for Policy Issuance
- All requirements specified by BIRB must be met before the insurance policy is issued.
- Clients must purchase their insurance policy through BIRB.
- The selected insurance company must agree to issue the insurance policy.
- All required documents must be submitted and valid at the time of policy issuance.
- Receiving an online quote does not constitute a binding offer or guarantee of coverage. Coverage is only confirmed upon issuance of the insurance policy by the selected insurance company.
Policy Terms and Conditions
The issuance of an insurance policy is subject to the terms and conditions set by the selected insurance company. The policyholder must review and comply with the insurance company's policy wording and requirements.
Payment Terms
- The full insurance premium must be paid before the policy is issued.
- Payment must be made through the payment methods accepted by BIRB.
- Payments should be made from the policyholder's account. If using another person's account, written consent from the account holder may be required at BIRB's discretion as part of its verification process.
- Failure to make payment within the specified time may result in the cancellation of the quote or delay in policy issuance.
Cancellation and Refunds
- Any cancellation of the insurance policy is subject to the insurance company's cancellation policy.
- Refunds, if applicable, will be processed as per the insurance company's terms and conditions.
Limitation of Liability
BIRB is not responsible for any losses, damages, or claims arising from the use of this online quote service. The final decision on policy issuance and coverage remains with the insurance company.
IRB shall not be liable for indirect, incidental, or consequential damages, including but not limited to loss of data, loss of profits, or loss resulting from service interruptions, system errors, or unauthorized access. BIRB's total liability, if any, shall not exceed the amount of the premium paid through this service.
Amendments
BIRB reserves the right to update or amend these terms and conditions at any time. Any changes will be effective immediately upon publication on our website. Please revisit this page periodically to stay informed of any changes.
Third-Party Links
This platform may contain links or integrations with third-party websites or systems, including those of insurers. BIRB does not control and is not responsible for the content, accuracy, or availability of those external services.
This platform may use cookies or analytics tools to improve your user experience and service functionality. By using the platform, you consent to such usage as detailed in our Privacy Policy.
Language
These terms are available in both English and Arabic. In case of any inconsistency, the English version shall prevail.
Governing Law
These terms and conditions are governed by the laws of the Kingdom of Bahrain. Any disputes arising out of or related to this service shall be subject to the exclusive jurisdiction of the Bahraini courts.
Contact Information
For any inquiries or assistance regarding this service, please contact us: