Terms of Service

Last updated: 5 September 2026

Welcome to Insurance Advisor. These Terms of Service (“Terms”) govern your access to and use of the website located at insuranceadvisor.me (the “Website”), operated by Syed Muhammad Raza Shah (“we”, “us”, or “our”).

Please read these Terms carefully. They are written to be as plain and readable as we can make them, because terms nobody understands protect nobody.

1. Acceptance of Terms

By accessing, browsing, or using this Website in any way, you confirm that you have read, understood, and agreed to be bound by these Terms and by our Privacy Policy. If you do not agree with any part of these Terms, please stop using the Website.

You must be at least 18 years old, or the age of legal majority in your country of residence, to use this Website. By using the Website you confirm that you meet this requirement and that you have the legal capacity to enter into these Terms.

These Terms apply to every visitor, whether you read a single article or return regularly.

2. About This Website

Insurance Advisor is an educational blog. We publish articles, reviews, comparisons, and explainers covering health insurance, car insurance, and general liability insurance, with a particular focus on the UAE market. A significant part of what we write about is what happens after a policy is purchased: how claims are actually handled, where cover falls short of what people expected, and the problems policyholders commonly run into.

The Website is an information resource. It is not an insurance broker, agent, comparison service, or intermediary. We do not sell insurance, arrange cover, place policies, handle claims, or receive or hold any premium on your behalf. No part of this Website should be understood as an offer, solicitation, or recommendation to buy any specific insurance product.

3. Content Disclaimer — Educational Only, Not Professional Advice

This is the most important section of these Terms. Please read it in full.

All content on this Website is published for general information and educational purposes only. It does not constitute, and must never be relied upon as, professional financial, insurance, legal, tax, medical, or any other form of regulated advice.

Specifically, you acknowledge and agree that:

  • No advisory relationship is created. Reading this Website, subscribing to it, or contacting us through it does not create an advisor–client, broker–client, agent–principal, or fiduciary relationship of any kind.
  • Content is general, not personal. Nothing here has been prepared with knowledge of your circumstances, health, assets, driving history, family situation, business exposure, or financial position. General information cannot account for facts we do not know about you.
  • Insurance products change constantly. Premiums, exclusions, waiting periods, network hospitals, deductibles, benefit limits, and regulatory requirements change frequently and vary between insurers and between emirates. Content that was accurate when published may be out of date by the time you read it.
  • The policy wording always governs. Where anything on this Website differs from an insurer’s actual policy schedule, terms, or wording, the insurer’s documents govern completely. Always read the policy wording before you buy.
  • Reviews and comparisons are opinion. Any review, comparison, ranking, or assessment reflects our own reading and opinion at the time of writing. It is not an endorsement, a guarantee of quality, or a statement of fact about any insurer or product.
  • No outcome is promised. We do not guarantee that following anything you read here will result in cheaper premiums, better cover, a successful claim, or any other particular outcome.

Always seek qualified, licensed advice before making a decision. Before buying, changing, renewing, or cancelling any insurance policy, consult a licensed insurance broker, insurer, or professional adviser authorised in your jurisdiction who can review your specific situation. In the United Arab Emirates, insurers and brokers are regulated by the Central Bank of the UAE, and you can verify whether a company is authorised before dealing with it.

If you are dealing with a medical emergency, a live claim dispute, a court deadline, or any urgent matter, contact a qualified professional directly. Do not rely on a blog.

A short version of this disclaimer appears at the end of every article on this Website. It forms part of these Terms.

4. Accuracy of Content

We put genuine effort into researching what we publish and into explaining it clearly. Even so, we make no warranty or representation that the content is accurate, complete, current, or suitable for any particular purpose.

The Website is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Website will be uninterrupted, secure, or free of errors or harmful components.

If you spot something on this Website that is wrong or out of date, please tell us. We would rather correct it than leave it standing.

5. Intellectual Property Rights

All content published on this Website — including articles, text, headlines, graphics, illustrations, logos, layout, design, and the selection and arrangement of that content — is owned by us or used with permission, and is protected by copyright, trade mark, and other intellectual property laws.

You may:

  • Read, view, and print content for your own personal, non-commercial use.
  • Share a link to any page on this Website freely.
  • Quote a short extract for commentary, criticism, review, or news reporting, provided you attribute it clearly to Insurance Advisor and link back to the original article.

You may not, without our prior written permission:

  • Copy, republish, or redistribute any article in whole or in substantial part, on any website, platform, newsletter, or in print.
  • Use our content for any commercial purpose, including reselling it or placing it behind a paywall.
  • Scrape, harvest, or systematically extract content from the Website by automated means, or use our content to train machine-learning or artificial-intelligence models.
  • Remove, obscure, or alter any copyright notice, attribution, or disclaimer.
  • Present our content as your own, or in a way that suggests we endorse you or your business.

Third-party names, logos, and trade marks that appear on this Website — including those of insurers — remain the property of their respective owners. They are used for identification and descriptive purposes only, and their appearance does not imply any affiliation with, sponsorship by, or endorsement from those owners.

If you believe content on this Website infringes your copyright, contact us at info@insuranceadvisor.me with details of the material and your rights in it, and we will review it promptly.

6. User Conduct and Responsibilities

You agree to use this Website lawfully and respectfully. In particular, you agree that you will not:

  • Use the Website for any unlawful purpose, or in breach of any applicable law or regulation.
  • Post or submit anything defamatory, abusive, harassing, obscene, hateful, discriminatory, or threatening.
  • Post content that infringes anyone’s intellectual property, privacy, or other rights.
  • Post spam, advertising, promotional material, chain messages, or links intended mainly to drive traffic elsewhere.
  • Impersonate any person or organisation, or misrepresent your affiliation with anyone.
  • Upload or transmit viruses, malware, or any code intended to damage, disrupt, or gain unauthorised access to the Website or its users.
  • Attempt to gain unauthorised access to any part of the Website, its servers, or any connected system.
  • Interfere with the Website’s normal operation, including by overloading it or by using bots, scrapers, or automated tools without permission.
  • Collect personal data about other users.

Comments and submissions

Where the Website allows comments, enquiries, or other submissions, you remain responsible for what you submit. By submitting content you confirm that it is your own or that you have the right to share it, and you grant us a non-exclusive, royalty-free, worldwide licence to display, store, reproduce, and moderate it in connection with the Website.

We may edit, refuse, or remove any submission at our discretion, and we are under no obligation to publish anything you send us. Comments express the views of the people who wrote them, not ours, and we do not endorse them.

Please do not post sensitive personal information — policy numbers, Emirates ID numbers, passport details, bank or card details, medical records, or claim documents — in a public comment or an ordinary email. If you need to share something sensitive, ask us first how to do it safely.

7. Affiliate and Advertising Disclosure

We believe you should know how this Website is funded, so we set it out plainly.

Advertising

This Website may display advertising served by third-party advertising networks, including Google AdSense. Those networks, and their partners, may use cookies, web beacons, device identifiers, and similar technologies to serve ads based on your prior visits to this or other websites.

Google, as a third-party vendor, uses cookies to serve ads on this Website. Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visits to this Website and other sites on the internet. You can opt out of personalised advertising by visiting Google Ads Settings, and you can opt out of third-party vendor cookies more broadly at aboutads.info.

We do not control which specific advertisements appear on the Website, and the appearance of an advertisement is not an endorsement, recommendation, or verification of the advertiser, its products, or its claims.

Affiliate links

Some articles may contain affiliate links. If you click one and go on to buy a product or service, we may receive a commission at no additional cost to you. Where affiliate links appear, we disclose them clearly in or near the relevant article.

Receiving a commission does not change what we write. We do not accept payment in exchange for a positive review, a particular ranking, or the removal of criticism. Where an article is sponsored or produced in partnership with a third party, we label it as such.

Cookies and analytics

This Website uses cookies and analytics tools to understand how visitors use it and to improve the content. Full details of what we collect and why are set out in our Privacy Policy. Most browsers let you refuse or delete cookies, though parts of the Website may not work properly if you do.

8. Third-Party Links and Resources

This Website contains links to third-party websites, including insurers, regulators, and news sources. We provide those links for convenience and reference only.

We do not control third-party websites and are not responsible for their content, accuracy, products, services, privacy practices, or availability. A link is not an endorsement. When you leave this Website, the terms and privacy policy of the destination site apply, and we encourage you to read them.

9. Limitation of Liability

To the fullest extent permitted by applicable law:

  • You use this Website, and rely on anything published on it, entirely at your own risk.
  • We shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary loss or damage arising out of or connected with your use of, or inability to use, the Website or its content.
  • Without limiting the above, we shall not be liable for: any insurance decision you make or do not make; any policy you buy, decline, renew, or cancel; any claim that is refused, reduced, delayed, or disputed; any gap in cover; any premium you pay; any loss of profits, savings, business, data, or goodwill; or any loss arising from errors, omissions, or outdated information on the Website.
  • We shall not be liable for the acts or omissions of any insurer, broker, advertiser, affiliate partner, or third-party website, whether or not linked from or mentioned on this Website.
  • We shall not be liable for any interruption, downtime, data loss, security incident, or technical failure affecting the Website.

This applies whether the claim is based on contract, tort (including negligence), statute, or any other legal theory, and whether or not we were advised of the possibility of such loss.

Where liability cannot lawfully be excluded, our total aggregate liability to you for all claims arising out of or connected with the Website shall not exceed one hundred United Arab Emirates Dirhams (AED 100), or the amount you have paid us directly for access to the Website, whichever is greater.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited under the laws of the United Arab Emirates. Some jurisdictions do not allow certain exclusions or limitations, so parts of this section may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless Syed Muhammad Raza Shah and anyone contributing to or operating this Website from and against any claims, demands, proceedings, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or connected with:

  • your use of the Website;
  • your breach of these Terms;
  • your violation of any law or of the rights of any third party; or
  • any content you submit to the Website.

We reserve the right to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, at your expense, in which case you agree to cooperate with us.

11. Privacy

Our Privacy Policy explains what personal information we collect, why we collect it, how we use and store it, and what rights you have over it. It forms part of these Terms, and by using the Website you agree to it.

12. Termination and Suspension

We may suspend or terminate your access to the Website, in whole or in part, at any time and without prior notice, if we reasonably believe you have breached these Terms, or where we consider it necessary to protect the Website, its users, or any third party.

We may also modify, suspend, or discontinue the Website or any part of it at any time, and we may remove or amend any content, without liability to you.

You may stop using the Website at any time. Sections that by their nature should survive termination — including the Content Disclaimer, Intellectual Property Rights, Limitation of Liability, Indemnification, and Governing Law — continue to apply after your use ends.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in the Website, our practices, or the law. When we do, we will revise the “Last updated” date at the top of this page, and where the changes are significant we will make that clear on the Website.

Changes take effect as soon as they are posted. Your continued use of the Website after that means you accept the revised Terms. We encourage you to check this page occasionally.

14. Governing Law and Jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them or with your use of the Website (including non-contractual disputes or claims), are governed by and construed in accordance with the federal laws of the United Arab Emirates and the laws of the Emirate of Dubai.

You agree that the courts of Dubai, United Arab Emirates shall have exclusive jurisdiction to settle any such dispute or claim.

If you access the Website from outside the United Arab Emirates, you do so on your own initiative and are responsible for complying with the laws of your own jurisdiction.

15. General

  • Severability. If any provision of these Terms is found to be invalid or unenforceable, that provision shall be limited or removed to the minimum extent necessary, and the remaining provisions shall stay in full force.
  • No waiver. If we do not enforce any part of these Terms, that is not a waiver of our right to enforce it later.
  • Entire agreement. These Terms, together with our Privacy Policy, form the entire agreement between you and us regarding the Website.
  • Assignment. You may not transfer your rights or obligations under these Terms. We may transfer ours to a successor operating the Website.
  • Headings. Section headings are for convenience only and do not affect interpretation.

16. Contact Information

If you have a question about these Terms, want to request permission to use our content, or need to report an error or a concern, please get in touch. We read everything and reply personally, usually within one business day.

Thank you for reading Insurance Advisor. We hope the content here helps you understand your cover before you need it, rather than after.