Insurance Purchase Terms & Conditions


These terms and conditions constitute a legal agreement entered into between the Purchaser and the Broker (as defined below) and shall apply to any purchase of insurance products made through this website.

By accepting this agreement, the Purchaser agrees having also accepted Liberation Cover’s Website Terms & Conditions and Privacy Policy, it being specified that neither Liberation Cover nor any of its owners, officers, employees or agents are participants in this agreement, nor shall they bear any liability whatsoever with respect to this agreement.

1. Definitions

In this agreement unless the context indicates otherwise:

"Broker" means NGK Hamilton Insurance Brokers LLC, a company organised and existing under the laws of the United Arab Emirates, registered under the Department of Economic Development trade license number 925062 and the UAE Central Bank registration no. 283 and having its offices at Office 1503, Single Business Tower, Business Bay, Dubai, UAE;

"Website" means, a service provided by NGK Hamilton Insurance Brokers LLC;

"Policy" means any insurance policy available through this website;

"Purchaser" means any person or persons, jointly and severally, who are purchasing insurance products through this website.

2. Purchase of Insurance Products

The Broker shall sell to the Purchaser, through this website, the Policies selected by the Purchaser.

In addition to these terms and conditions, the terms and conditions of the insurance provider supplying the Policy shall apply to any Policy purchased through this website.

By purchasing a Policy through this Website, the Purchaser acknowledges having read and understood the insurance provider’s terms and conditions applicable to such Policy.

Any information regarding a Policy presented on this website is for information purposes only. The Purchaser should rely solely on the insurance provider’s terms and conditions in respect of any Policy, because it is those terms and conditions that will apply to the Purchaser’s insurance coverage.

3. Acting as Intermediary Only

This website and the Broker act as an intermediary between the Purchaser and the insurance provider offering a Policy through the website. Neither the website nor the Broker make any recommendation with respect to the suitability of any Policy, and any decision to purchase a particular Policy shall be the Purchaser’s sole responsibility.

4. Representations and Warranties of the Purchaser

By using this Website to purchase a Policy, the Purchaser represents and warrants as follows:

  1. they are over the age of 18 and have the legal capacity to enter into this agreement;
  2. all of the information that they have supplied to this website is true, correct, and not misleading; and
  3. they have disclosed to the Broker any circumstances, including other contracts or legal instruments to which the Purchaser may be bound, that would or may impede, impair or render illegal the Purchaser’s purchase of a Policy through this website.

5. Payments

All payments in relation to a Policy purchased by the Purchaser are due on demand. All charges payable by the Purchaser shall be payable online by Visa or MasterCard credit/debit cards in United Arab Emirates Dirhams.

If a payment for our products or services is made on our website, the details the Purchaser is asked to submit will be provided directly to our payment provider via a secured connection. Multiple transactions may result in multiple postings to the cardholder’s monthly statement.

The Purchaser will not be entitled to set-off or withhold payment of any amounts due in terms of this agreement for any reason whatsoever.

The Purchaser’s acceptance of this agreement will constitute irrevocable authority for the Broker to obtain authorisation and/or payment on the Purchaser’s credit card or charge card when relevant.

If any amount is not paid on the due date, the Broker may without prejudice to any rights it may have, charge interest on the overdue amount at a rate of 5% or the maximum amount allowed under the law, whichever is lower, and in the sole discretion of the Broker.

A certificate of any director, manager or accountant of the Broker as to any amount owed by the Purchaser to the Broker shall constitute prima facie proof of that amount. It shall be the responsibility of the cardholder to retain a copy of transaction records as well as a copy of the terms and conditions set forth in this agreement.

6. Delivery Policy

All documents relating to insurance products purchased by the Purchaser, including the policy itself, shall be delivered to the Purchaser by email and/or via the website at

7. Limitation of Liability/Indemnity of the Broker by Purchaser

Neither the Broker nor any of its directors, officers, employees, service providers or agents shall be liable for any loss or damage, whether direct, indirect, consequential or otherwise arising from the purchase by the Purchaser of any insurance products through this website.

The Broker, its directors, officers, employees, affiliates or agents are accordingly indemnified by the Purchaser against any claim of any nature whatsoever and howsoever arising from any damages or loss which might be instituted against the Broker, its directors, officers, employees, affiliates or agents arising from or connected with or pursuant to the purchase of insurance products contemplated in this agreement.

8. General

This document contains the entire agreement between the parties regarding the matters contained herein and no party shall be bound by any undertakings, representations, warranties, promises or the like not recorded in writing.

If any provision of this agreement is found by a court of law to be invalid or void such provision will be severed from the agreement, without affecting the remainder of the provisions hereof.

No extension, latitude or other indulgence that may be given or are allowed by any party in respect of performance of any obligation hereunder, and no delay or forbearance in the enforcement of any party arising from this agreement, and no single or partial exercise of any right of any party under this agreement will in any circumstances be construed as implied consent or election by such party or operate as a waiver or a novation of or otherwise affect any party’s rights in terms of or arising from this agreement or stop or preclude any such party from enforcing at any time and without notice, strict and punctual compliance with each and every provision or term hereof.

This agreement and all matters or disputes arising there from or incidental thereto shall be governed and construed in accordance with the laws of the United Arab Emirates. The Purchaser consents to the jurisdiction of the courts of the United Arab Emirates with respect to any disputes arising out of this agreement.

Last updated on August 19th, 2021.