Terms of Use

This website is run by Hadbrok Insurance Brokers S.A.E (“Hadbrok”, “we”), an insurance broker licensed by Egypt’s Financial Regulatory Authority (FRA), licence No. 17, and approved by the FRA for digital insurance brokerage. Commercial Register No. 264-640-748. Head office: 4 Street 203, Maadi, Cairo, Egypt (Degla Medical Center / Degla Square).

By using this website and our online quote app you accept these terms. If you do not accept them, please do not use the website.

• It explains the cover we arrange and lets you compare medical and motor quotes online from the insurers we are connected to (listed under “Insurers we compare”).
• The quote app shows your top 3 plans as cheapest, best value and most cover, with every benefit marked. To be confirmed by Hadbrok: how the top 3 are ranked, and that our commission does not change the order.
• It lets you ask a specialist for a tailored proposal for other lines, such as property, marine, liability, life, cyber and aviation.
• It lets companies send policies for Policy Screening.
• The staff login is for authorised Hadbrok staff only.

We act as your broker. We work for you, not for an insurer. Insurers pay our commission; you pay the insurer’s premium.

• Online prices are indicative. They are based on the information you give and the insurers’ rates at that moment.
• The final premium depends on the insurer’s underwriting and, for cars, an inspection. We confirm everything with you before you commit.
• A quote is not a policy. Cover starts only when the insurer accepts it, issues the policy and the premium is paid through an authorised payment channel.
• We do not take payments on this website, and we never ask you to pay a premium into a personal account.
• The policy wording issued by the insurer decides what is covered.

• Sending one policy for screening is free and creates no obligation.
• Screening is based on the documents you provide and may be subject to errors and omissions. Claims history is not part of the screening.
• Coverage relevance is graded from the exposures you state. It is an exposure-based classification, not a legal opinion.
• Proposed prices are indicative and subject to the insurer’s quote. The 10% saving applies to eligible lines only; medical is priced on headcount and network tier; covers placed abroad are excluded; taxes and fees are recalculated when a policy is issued; the sum insured is never discounted.
• Every report is checked and signed by a named Hadbrok broker.

• Give true and complete information. An insurer can refuse a claim or cancel a policy if important facts are wrong or missing.
• Only upload documents you are allowed to share, and tell the people concerned where the law requires it.
• Do not misuse the website: no attempts to break in, overload it, copy it automatically or send false requests.

Insurers’ own terms and policy wordings apply to the policies they issue. Links to other websites, such as LinkedIn, are given for convenience; we are not responsible for their content. Our quote app is hosted for us by a service provider; our Privacy Policy explains how your data is handled.

The text, design, logo and the Policy Screening method on this website belong to Hadbrok or its licensors. Insurer and partner logos belong to their owners and are shown only to identify the insurers and partners we work with. You may view and print pages for your own use; please ask us before reusing anything else.

We take care to keep the website accurate and available, but we cannot promise it will always be free of errors or interruptions. As far as Egyptian law allows, we are not liable for indirect losses that come from using the website.

Nothing in these terms limits our duties to you as your licensed broker or your rights under the Consumer Protection Law No. 181 of 2018.

These terms are governed by the laws of the Arab Republic of Egypt. To be confirmed with our lawyer: which courts are competent, and whether the Arabic text prevails if the language versions differ.

Email info@hadbrok.com or call +20 (2) 330 44 664. We acknowledge every complaint and reply in writing. You may also contact the Financial Regulatory Authority (FRA).

We may update these terms. The date at the top shows the latest version; the version on the website when you use it applies.

Hadbrok Insurance Brokers S.A.E, 4 Street 203, Maadi, Cairo, Egypt (Degla Medical Center / Degla Square)
info@hadbrok.com · +20 (2) 330 44 664 · +20 (122) 235 2235