Motor Insurance

Budget City Movers and Packers in Dubai | Dubai Movers and Packers


Business Bay - Dubai - United Arab Emirates


We do more than a Moving and Packing service in UAE- we check for glitches that need attention to keep you safe and save your money. Budget City Movers is your custom long distance mover. We professionalize in Long Distance moves around the UAE. Budget city movers provide services as packers and movers in Dubai. Budget City Movers provide services of Movers and packers in Dubai. From disassembling and packing to unpacking and assembling, we take care of every aspect that is to be kept in mind while giving you the best services. Budget City Movers also provide services of Movers and packers Dubai. We know well, how to handle your things like TV, refrigerator, Plasma, Air Conditioners, Beds and sofas, going above the of level of sensitivity that needs to be maintained while shifting

Bank in Dubai, UAE, Online Banking – RAKBANK


Dubai - United Arab Emirates

RAKBANK, also known as the National BANK of Ras Al-Khaimah, is one of the fastest growing and most dynamic banks in the UAE. Founded in 1976, the Bank underwent a major transformation in 2001, with a shift in focus from corporate BANKING to retail and small businesses.

Today, the Bank offers a wide range of personal and business banking services throughout its 34 branches and its portfolio of electronic banking solutions, which include Telephone, Online, and Mobile Banking. It also offers Sharia-compliant personal and business banking services via its Islamic Banking unit, RAKBANK AMAL.

RAKBANK is a public joint STOCK company, headquartered in the emirate of Ras Al-Khaimah, in the UAE. Its Head Office is situated in the RAKBANK Building on Emirates Road in Ras Al-Khaimah. The Bank is 52.75% owned by the Government of Ras Al-Khaimah and its shares are publicly traded on ADX. The Board of Directors consists of several members of the ruling family of the emirate of Ras-Al Khaimah and businessmen from UAE and Kuwait.

United Insurance Company


P.O.Box 1888 , Dubai

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United Insurance Company was Commisioned in the year 1978, in the United Arab Emirates. The registered head office is in the emirates of Ras Al Khaimah.
There are five branches operating in the UAE at
1. Ras Al Khaimah
2. Dubai
3. Sharjah
4. Abu Dhabi
5. Al Quoz
Total staff strength is about hundread. These staff carry necessary expertise and experience in various areas of insurance industry and are guided by a dynamic management team that is constantly striving to achieve excellence in all areas of company’s businesses.
Over the years’ United Insurance Co. has matured into a stable and established organization that has a reasonably good market share of the insurance.

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In our pursuit to strive for excellence in the insurance sector we have been successful in bringing highly rated insurance protection at technically adequate premium to the business community we serve through our 4branches in UAE ie., Ras Al Khaimah, Dubai, Sharjah and Abu Dhabi.
The insurance sector witnessed a remarkable improvement as a result of the robotic growth of the UAE economy and we plan to expand our business by increasing the existing cliental base and also by introducing new innovative insurance products . Now the ‘Surgical Benefit Plan’ is being introduced in the market.

We continue to maintain our conservative underwriting policy on insurance and risk management supported by the best known and highly capitalized international reinsurance companies.
We shall try our best to fulfill our promise of providing an adequate insurance protection to our insured members and the business community at large.

Tokio Marine and Nichido Fire Insurance CO., LTD.


Office No. 301-303, Floor No. 3, Building No. 4, Emar Business Park, Opposite Dubai Internet City Sheikh Zayed Road, Dubai

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Operating in the UAE market since 1976, Tokio Marine & Nichido is caters to the insurance needs of a wide range of Japanese and Non-Japanese clientele of the Arab world. Tokio Marine & Nichido has appointed UAE National Agent , Al -Futtaim Development Services Company-LLC, one of the largest and most successful business houses in the lower Gulf region, for over 3 decades.
Day to day operation is directly managed by Tokio Marine & Nichido with a team of professional personnel with advanced expertise and high commitment to render our best services to all our valued global, regional and local clients – especially value added consultancy and advisory services in areas of insurance, risk management, loss control and effecient claims handling. The organization comprises of 5 sections viz. Underwriting , Business Development , Customer Service & IT, Claims and Finance & Administration, of which members are multi-national from around the world.
Our office is located in Emaar Business Park, Jebel Ali. The upcoming Dubai economy is increasingly thriving on the trading activities in the free zones – especially Jebel Ali Free Zone located within 15 km. from the office, which is the largest free-zone housing a host of multinational clientele including major Japanese companies. With the import and export of a variety of products being the main business domain, Tokio Marine & Nichido enjoys a strong portfolio of marine cargo business. Additionally, traditional property, casualty and personal lines are also main components of our operational portfolio.
Tokio Marine & Nichido, Dubai office has also been listed in our international network of Marine Cargo Claim Servicing Offices. In line with the development of the country, our operation is aiming at a strategic expansion in terms of expanding and developing our multinational client base as well as regional business development in close coordination with our Saudi Arabia operations..

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Tokio Marine & Nichido Fire Insurance Co., Ltd. have implemented an online Customer Relationship Management system called crossroads. This new facility will enable customers to process marine certificates as well as travel and motor policies online. Customers will also be able to print schedules and various reports for all classes of business transacted by TMNF.

Royal and SunAlliance Dubai


Suite 204, Office Court, PO Box 28648 Oud Metha, Dubai

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With a 300-year heritage, RSA is one of the world’s leading multinational insurance groups. Today, we employ around 22,000 people, serving 17 million customers in 130 countries.
hile our origins lie in London, RSA is a global company with businesses in both mature and emerging markets. We have major operations in the UK, Ireland, Scandinavia, Central and Eastern Europe, Canada, Asia, the Middle East and Latin America.
Our focus on general insurance delivers strong, profitable performance, even in the most challenging market conditions. In 2010, for example, our net written premiums were £7.5bn.

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We are a leading general insurer operating in 34 countries and providing products and services in over 130 countries.

Qatar Insurance Group


Al Dana Centre Building, 2nd Floor Flat No. 206, Al-Maktoum Street, PO Box 4066 Deira, Dubai

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In 1964 the State of Qatar had a nascent oil industry and it would have taken a visionary at that time to predict the burgeoning energy industry we now have, in all its diversity, in the first decade of the second millennium.

Doha was still very much a city dependent on the sea, looking outward to the timeless horizons. The traditional coffee shops, which have endured in the Middle East for centuries would find the older generations exchanging old news and scanning the horizon, awaiting the return of the fishing and trading dhows.
However it was realized that Qatar would grow both commercially and industrially and would require various institutions. Insurance, as the guardian of the country’s assets, was an area where it was felt that Qatar should take the initiative.
Qatar Insurance was therefore conceived and founded by the Emiri Decree, on the 11th of March 1964. The currency of Qatar at that time was the Indian Rupee and QIC’s paid up capital was Indian Rupees 1,500,000, a princely sum in those days.
In view of the importance placed by the government on the establishment of the first domestic insurance company they participated to the extent of 12%, a share that they retain to this day.
The early years of our operations were transacted from what was then the heart of the souq. It was in the bustling alleyways, redolent with the pungent aromas of exotic spices and noisy, but good-natured, haggling that the lively and vibrant trade was conducted that QIC set down its roots.
Following three years of hard work QIC had grown considerably and required larger premises. It was important that we remained in the souq, right at the business heart of Doha and in 1967 the company moved a short distance to a larger premises close to the Arab Bank roundabout. The roundabout remains an important pivotal thoroughfare, radiating traffic to all parts of Doha City.
To this day the QIC sign may still be seen by the passer-by as they walk to the heart of the market to shop or pass away the evening hours over a cup of sweet tea.
In the early 1980’s QIC recongnised that a bold move should be made and decided to relocate to the West Bay area. However, precious little development had taken place and it was clear that the company would need to construct its own building.
Designs we sought, contracts signed and construction work was soon started.
Before long the building was completed and occupied in early 1984, with an official inauguration taking place on the 25th February.
For many a year the QIC tower was a landmark to the Qatari and expatriate alike. It has remained a prominent image with its distinctive logo, only recently being crowded by the self assured towers that are being established throughout the West Bay and Diplomatic area.
However, old habits prevail and one can still hear directions being given to the newcomer using QIC as the direction landmark.

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“To be a regional forerunner of Insurance and financial services with world standards in business operations”
No. 1 Insurance Company in the Arab World, in profitability and market capitalization in a survy consisting 111 listed companie
– Al Iktissad Wal-Aamal Magazine

Earnest Insurance Brokers LLC


Office Nos.113/114, Umm Suqueim Building, 3rd Interchange, PO Box 114088 Sheikh Zayed Road, Dubai

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Earnest Insurance Brokers LLC (EARNEST INSURANCE) was established in January 2004.
Earnest Insurance Brokers LLC has within a short span of time become a leading insurance brokerage providing a broad array of insurance products and services.
Brief summary of the Executive Directors
Mr. Samuel E. Thakker (Sam) B.Com, A.I.I.I., M.S.T.I – Sam has rich and varied experience of over 30 years in the insurance industry. Sam held various important positions in the last 23 years with Norwich Union Insurance Gulf BSC © with the last being the Corporate Manager for direct business of that company in UAE.
Mr. Frank O’Sullivan – An industry veteran with over 38 years of continuous service with Norwich Union Insurance Group. Frank retired as the Country Manager of Norwich Union Insurance (Gulf) BSC ©, UAE having headed that company in UAE for 14 years.
Mr.Roopesh L. Punjabi- B. Com, A.I.I.I – Over 15 years experience in the UAE as an insurance broker, underwriter and risk manager. Roopesh also worked with Norwich Union Insurance Gulf BSC © in Dubai for 7 years.

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Earnest Insurance Brokers LLC delivers unparalleled experience in every category of insurance to create a “one-stop” resource of all your risk management needs.
EARNEST INSURANCE specializes in all classes of Insurance including Property, Liability, Accident, Projects, Engineering, Medical and Marine, Life & Personal Accident & Automobiles.
EARNEST INSURANCE has the knowledge and expertise to arrange a customized insurance programme for complex and specialty risks such as political risks, expropriation risks, rejection risks, and credit & insolvency risks.

EARNEST INSURANCE provides insurance and reinsurance broking, risk management, claims handling, consultancy, and advice on risk transfer mechanisms.
EARNEST INSURANCE transacts business with multinational insurers and reputed local insurance companies operating in the region. EARNEST INSURANCE enjoys the confidence, recognition and trust of all major underwriters in the market.
EARNEST INSURANCE also devises, installs and maintains a risk management programme for its major clients in its quest to maintain and improve the quality of risk at all times.

The premium you pay for a risk is a composite amount consisting of the following:-
i. the rate for the risk
ii. the insurance company’s acquisition costs
iii. the insurance company’s management (operating) expenses
iv. the insurance company’s profit.
Sophisticated insurance coverage with high values/limits will be more costly to purchase direct from an insurance company than through an insurance broker. This is because, certain insurers may have insufficient capacity/expertise to underwrite the risk and will need the support of reinsurers who will quote terms and conditions of coverage.
EARNEST Insurance’s approach to such coverage is to offer a programme quoted by insurers that have large capacity and underwriting expertise thereby making it less expensive to the insured.
We maintain high volumes of business with the insurers and therefore can negotiate the best terms on the strength of bulk buying/ market influence.
For this reason, EARNEST INSURANCE as broker is able to gain concessions from the insurance market that may not become available by direct negotiations with insurers.
As insurance brokers, we have access to worldwide insurance markets including Lloyd’s through our associates. Working in the insurance markets everyday EARNEST INSURANCE knows what the prevailing ranges of prices are for various lines of insurance.
EARNEST INSURANCE has access to a wide range of markets to obtain the most economical price, commensurate with coverage.
At renewal, we will market your insurance programme and demonstrate that the best terms and coverage have been obtained from your insurer.

EARNEST INSURANCE will make it their business to understand your operations, match your needs with the best insurance products available and ensure that your risks are adequately covered.
We will check the financial security of the proposed insurer before recommending them.
EARNEST INSURANCE will assist you to understand your coverage and will explain how the various exclusions will activate in a given situation. An insurance policy is a legal document that requires professional training and expertise to read and understand.
EARNEST INSURANCE knows the markets, continually monitors them, and keeps you aware of new products, services and changes within the insurance industry.

As insurance brokers, EARNEST INSURANCE assumes the responsibilities of an “Insurance Department.”
This is the least expensive method of obtaining professional insurance advice, saving time and human resources that can be allocated to other corporate concerns.
The services provided by an insurance broker may be compared to that of a company appointed lawyer, auditor or stockbroker. If you want an on-going professional advice in relation to insurance, specialists such as EARNEST INSURANCE should be appointed to handle your portfolio and service your needs.
EARNEST INSURANCE has its own claims department that will service claims from your perspective. You will be advised of what can be included in a claim and EARNEST INSURANCE will work towards enforcement of your contractual rights under the policy.
As your insurance broker EARNEST INSURANCE will provide claims statistics to assist you in your analysis and assessment of losses and will counsel you on loss prevention.
EARNEST INSURANCE will provide advice on loss control and risk management. Periodically, with the assistance of the insurer’s risk control/engineering staff, EARNEST INSURANCE will assist in identifying emerging hazards and recommending appropriate control strategies.
By reducing the risk factor through loss control measures, EARNEST INSURANCE assists you to
a) Reduce the cost of risk.
b) Reduce the insurance premium.
c) Work towards a profitable outcome.
As your insurance broker EARNEST INSURANCE will keep you advised of changes in local insurance legislation.
Of all of the services we render to hundreds of customers, guidance is perhaps our most vital. Our guidance is influenced by over eight decades of collective experience, but is driven by an unwavering focus on the future.
Earnest Insurance Brokers LLC is known for its professionalism, work ethics and quality of service.

Salama Islamic Arab Insurance Co. (PSC)


4th Floor, Spectrum Building, Plot # 319-0145, Sheikh Rashid Road, Oud Metha, Dubai

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SALAMA – Islamic Arab Insurance Company is a leading provider of Shari’ah compliant insurance solutions (Takaful) around the world. Right from our incorporation in 1979 in Dubai, UAE as pioneers in the Takaful industry, to our present day distinction as the world’s largest Takaful and Re-Takaful Company, we have always stayed true to our values and principles.
Our vision is to provide Shari’ah-compliant Takaful solutions of the highest standard to customers around the world. Therefore, our every endeavour over the last 30 years has given us the solid reputation of providing the most competitive and diverse portfolio of Takaful solutions.
Our stability and success can be attributed to our strategy of focusing on core business areas. SALAMA has a paid-up capital of AED 1 billion (USD 274 million) and is listed in the Dubai Financial Market. SALAMA has been rated “A-” by A.M. Best and “A-” by Standard & Poor’s. BEST-Re, our Tunis-based operation, is the world’s largest Re-Takaful company, operating in more than 60 countries.
We serve both individual and institutional customers through our extensive global network. At present, we have 6 direct Takaful companies who provide solutions to customers in the UAE, Saudi Arabia, Egypt, Senegal, Algeria and Jordan. We plan to expand our geographical reach in the near future to all the GCC states, South East Asia and eventually Europe, in order to offer innovative Shari’ah-compliant solutions.

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UAE is a central point having best of the West and East and over the time it has become the kind of hub that allows SALAMA to nurture and access international workforce to operate up to international standards. Takaful, is about dealing with the changing attitude of Muslims on religious or faith grounds, so UAE is a good platform for Shari’ah compliant insurance. As the country grows and develops, keeping track of the changes is essential and Muslims in UAE today stress on Shari’ah-compliant insurance, which allows us to deliver the best to the best. Among the several offices present in the UAE, its head office is located in Oud Mehta, claims office in Al Qusias and branches in Abu Dhabi, Al Ain, Dubai and Sharjah.
SALAMA is UAE’s specialised takaful company, it is one of the few takaful operators offering comprehensive range of general, family and health takaful solutions to individual, families and companies. Our credibility, reputation for quality, high standards of service and access to the Takaful’s best practices mean that SALAMA is uniquely placed to provide access to quality and affordable takaful solutions. As SALAMA continues to expand its customer base consisting of individuals, families and companies, we are dedicated to become the takaful operator of choice. Personalised service, customer dedication and development of Shari’ah compliant products that fulfil our customers’ needs are just some of the new promises that we are making. Our structure and products are designed around our customers.

Dubai National Insurance and Reinsurance


Dubai National Insurance Building, Floor # 7 & 9, Opposite to Deira City Centre,Next to Flora Creek Hotel, PO Box 1806 Deira, Dubai

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Dubai National Insurance & Reinsurance (PSC) is a public shareholding company with a paid up capital of AED 100 Million, which commenced its operations on January 01, 1992 with the support of a number of national shareholders including prominent and successful local businessmen. Today, DNIRC is one of the leading national insurers offering its products and services to prestigious clients from different sectors throughout the UAE.
Chairman’s Profile
The chairman of DNIRC, Mr. Khalaf Al Habtoor is also the chairman of the highly prestigious and diversified Al Habtoor Group LLC, an internationally recognized conglomerate of hospitality segments, real estate, construction, theme parks, educational institutions, multiplexes, automobile dealership, publishing, etc., in the U.A.E, U.K. and Lebanon.

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DNIR has a wide range of unique insurance options to suit the insurance requirements of any commercial entity. Specific insurance products are also provided as per your requirements and the nature of your business. DNIR offers a powerful shield to safeguard your valuable investments to help you operate with peace of mind. Our Commercial Insurance options are well tested solutions in the ever demanding commercial sector with a variety of risks of the modern business scenario.

DNIR has a wide range of unique insurance options to suit the insurance requirements of every individual in UAE. Specific insurance products are also provided as per your requirements. We can fine tune the following covers as required by you.



JW Marriott Office Block A, 5th Floor, PO Box 40569 , Dubai

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Chartis is a world leading property-casualty and general insurance organization serving more than 70 million clients around the world. With one of the industry’s most extensive ranges of products and services, deep claims expertise and excellent financial strength, Chartis enables its commercial and personal insurance clients alike to manage virtually any risk with confidence. Chartis is the marketing name for the worldwide property-casualty and general insurance operations of Chartis Inc.

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At Chartis, we take on our clients’ challenges and goals. Whether the need is as fundamental as insuring a first home or as complex as providing environmental coverage, our priority is providing clients with the confidence they need to prosper. Behind every policy we write is our commitment to deliver what matters most to them. Among our unique strengths are:

•Financial resources that allowed us to pay an average of $71M in claims worldwide every business day in 2008.
•World-class talent with the know-how to assess vulnerability and underwrite the most complex risks – delivered through a local presence that enables us to respond rapidly when unforeseen events occur.
•Ongoing development of new and industry-leading products and services, along with the ability to develop tailor-made solutions when existing offerings do not meet client needs.
•An unwavering commitment to customer service excellence and to supporting our clients.
With deep resources and commitment, we enable our clients to pursue their goals with confidence.

Our brand
The Chartis brand affirms the importance of our roots as one of the world’s leading insurance organizations. Our name and identity convey our continued commitment to earning trust through innovation. We remain focused on developing new products and managing risk and scale, based on insights derived from an expanded geographic reach that meets client needs in virtually every region of the world. Chartis is taking measured steps to ensure a strong, independent future. At their core, the changes we are making represent a renewal and reinforcement of our commitment to the industry and dedication to customer service.

AXA Insurance (Gulf) B.S.C.


Ground Floor, Wafi Residential Centre, Opposite Dubai Health Care City, PO Box 290 Oud Metha, Dubai

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As part of the AXA Group, AXA in the Gulf profits from financial strength and stability that gives us a significant competitive advantage.
Present in the region for more than 60 years, AXA is the largest insurer in the GCC with branches across Bahrain, Oman, UAE and Qatar. In Saudi Arabia AXA is known as AXA Cooperative Insurance.
AXA offers support and expert advice to help you find the best insurance solutions for your business and personal needs. With our new tagline redefining insurance, AXA Insurance in the Gulf is taking on the challenge to prove to you that we are available, reliable and attentive
2009 key figures
> Present in 5 GCC countries
> 12 branches across the region
> Over USD 446 million in revenues (growth of nearly 8.6% on a comparable basis)
> Net income over 40 million USD (+19%)
> Over 650 employees
> Over 500,000 clients (o/w 80% satisfied customers)
> Over highest insurance company brand awareness

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Our success and our reputation are not only dependent on the quality of our products and the service provided to our clients, but also on the way in which we do business.
AXA is committed to conducting its business according to the highest standards of honesty and fairness. This commitment to observing the highest ethical standards is designed not only to ensure compliance with applicable laws and regulations in the various jurisdictions where we operate but also to earning and keeping the continued trust of our clients, shareholders, personnel and business partners.

Afia Insurance Brokerage Services LLC


Kanoo Group Building (Trade Centre Road), PO Box 26423 Sheikh Zayed Road, Dubai

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AFIA is one of the oldest, most well respected insurance advisors and consultants in the Middle East. AFIA as you might know it today has come a long way in the 15 years it has been in the UAE market. Operations were started by Mr Nandu Babur (B.Com; AIII) in 1995, who previously was an Associate Director with Alexander & Alexander International Insurance Brokers in Sharjah and Dubai .
He noticed there was a niche in the market for effective, well targeted insurance based on appropriate risk assessment, and foresaw that delighting customers was essential not just for business, but because AFIA should work FOR the customer, not for the insurance company. Now AFIA has a large portfolio of well over 20,000 clients, and we’ve been delighted to meet and work with many warm, friendly customers over the years.

In those 15 years, AFIA has developed excellent relations with many leading insurance companies. Business is always based on trust; we trust them, and they trust us to deliver carefully assessed business. Accordingly, our rates are preferable, our service rarely bettered, and our coverage careful and considered.

At AFIA we aim to achieve three things. Firstly, we’re very proud to represent you, the client. We’re proud we can get you the best policy at the best price, and we’re believers in the minors taking on the mighty. We’ll be by your side.

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At AFIA we aim to achieve three things. Firstly, we’re very proud to represent you, the client. We’re proud we can get you the best policy at the best price, and we’re believers in the minors taking on the mighty. We’ll be by your side.

Secondly, we want to make what ever insurance you’re after as easy for you as possible. The history of insurance has always seen it to be selective and exclusive. But it shouldn’t be. Everyone should be able to benefit from having risks properly managed. So WE should understand insurance as well as we possibly can, and guide you towards what’s best for you.

Thirdly, we always want to be ahead of the game. What is the point in being a market follower? (Readers of Schumpeter can disagree). The insurance market will always change, and the market in the UAE will always change, so we constantly strive to conjure thoughtful, clever new methods, products and services for you.

AFIA is a Limited Liability Company registered as Insurance Brokers with the Ministry of Economy and Commerce, Economic Department of Dubai and Chambers of Commerce.

Nexus Insurance Brokers LLC


Fourth Floor, Office No. 402, Emaar Square (Near Burj Khalifa), Building No. 1, Downtown Sheikh Zayed Road, Dubai

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The Company was established in 2006 by Mahmoud Nodjoumi, Founder and CEO, through a management buy-out of the distribution arm of Zurich International Life which had been established in the region since 1989.
With some twenty years’ experience in the GCC (Gulf Cooperation Council), Nexus operations are located in Dubai, Abu Dhabi, Qatar, Lebanon and the Kingdom of Bahrain to underpin a professional and quality level of service to our clients.
We are regulated for the provision of Life Insurance, Savings Plans, Group Medical and Life programs as well as various classes of Commercial Insurance also including Employee Benefits.

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NEXUS Group is one of the Largest Independent Financial Advisors in the region offering a composite suite of insurance, savings and investment products to both Corporate and Individual clients.
As qualified professionals, Nexus is a company you can trust. And as an independent organisation, free from ties to a particular product provider, we can meet those needs with carefully selected solutions from the world’s foremost Financial Services & Insurance Companies.
Nexus has over 320+ qualified professional consultants and is supported by a cadre of 70 dedicated and qualified support staff in the Middle East region offering a broad range of licensed products from regulated providers.

National General Insurance Co. PSC


Levels Ground 3, 5, 6, UP House, Port Saeed Street, PO Box 154 Deira, Dubai

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Headquartered in the city of Dubai – the financial and business capital of the region, NGi is a composite insurance company and became an Associate member of the leading financial institution – Emirates Bank group in the year 1996. NGi is proud to enjoy the status of being a fully accredited National Insurer. The Company is publicly quoted and listed in the Dubai Financial Market.
NGi is one of the leading Composite Insurers in the United Arab Emirates and enjoys full support from all its financially sound and prominent key shareholders such as Emirates Bank, Commercial Bank of Dubai and Dubai Investments. We offer multiple range of products and expertise.

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Our Services
NGi is dedicated to quality customer service in all specialist areas of risks supported by qualified and experienced professionals. We have multi-lingual staff catering to the needs of various clients. Claim processing functions are streamlined in order to provide timely settlements.
Our Commitment
Our customers are first and foremost in all our activities and will expand and achieve growth to the long-term benefits and satisfaction of our shareholders.
For further information please contact customer service:
Telephone:+ 9714 222 2772
Our Branches and Other Contacts:
Dubai Branch
NGi, PO Box 154, Dubai
Mezzanine Floor, Al Wadi Building
Next to Al Mazaya Centre, Sheikh Zayed Road, Dubai
Tel: +9714 34 39 765, Fax: +9714 34 39 874
Bur Dubai Branch (Life Business only)
Easa Saleh Al Gurg Building, Bur Dubai
Tel: +9714 393 4434, Fax: +9714 393 7722
Sharjah Branch
PO Box 67244, Sharjah
# 302 & 303, 3rd Floor, NBD Building, New Bank Street, Sharjah
Tel: +9716 57 35 999, Fax: +9716 57 35 777
Abu Dhabi Branch
PO Box 105230, Abu Dhabi
# 101, 1st Floor, Al Sahel Tower, Old Passport Road, Khalidiya, Abu Dhabi
Tel: +9712 66 78 783, Fax: +9712 66 76 077

HSBC Bank Middle East Limited


HSBC Bank Building 312/45 Al Suq Road, PO BOX 66 , Dubai

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HSBC’s history in the Middle East dates back to 1959, when it acquired The British Bank of the Middle East. Founded in London in 1889, it pioneered banking in the region and for decades was the only bank committed to supporting the area.
The 1940s saw a period of great change, the decline and closure of operations in Iran (in 1952) and expansion into the Arabian peninsula and the Levant.
The Bank pioneered banking in the states that are now referred to as the GCC, opening branches in Kuwait (1942), Bahrain (1944), Dubai (1946), Muscat (1948), Saudi Arabia (Alkhobar and Jeddah 1950)
Similarly, branches were opened in the cities of the ‘fertile crescent’ – Beirut (1946), Damascus (1947), Tripoli (1948), Amman (1949) and Aleppo (1951)
The change in focus was reflected in 1949 when the bank changed its name to The British Bank of Iran and the Middle East and again in 1952 to The British Bank of the Middle East.
Regional expansion
By 1959, when the bank was acquired by the Group, it had added more offices in Saudi Arabia, Aden, Libya, Sharjah, Qatar, Tunisia, Morocco and Abu Dhabi.
Throughout the 1960s and 1970s, nationalisation of the banking sector saw the bank end its presence in Syria, Iraq, Aden and Libya.
The bank also entered into local alliances. In 1978, the bank’s business in Saudi Arabia was transferred to a new bank, the Saudi British Bank, in which the Group took a 40% shareholding. The Group also took a 40% share in the Hong Kong Egyptian Bank S.A.E, when it was established in 1982.

Modern structure
In 1994, the bank’s head office was transferred to Jersey and in 1999 it was renamed HSBC Bank Middle East. In 2001, the Group’s shareholding in Egypt increased to 94.5%.

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HSBC Holdings plc, the parent company of the HSBC Group, is headquartered in London. The Group
serves customers worldwide from around 7,500 offices in 87 countries and territories in Europe, the Asia-
Pacific region, the Americas, the Middle East and Africa. With assets of US$2,455 billion at 31 December
2010, HSBC is one of the world’s largest banking and financial services organisations. HSBC is marketed
worldwide as ‘the world’s local bank’.
With listings on the London, Hong Kong, New York, Paris and Bermuda stock exchanges, shares in HSBC
Holdings plc are held by around 220,000 shareholders in 124 countries and territories. The shares are traded
on the New York Stock Exchange in the form of American Depositary Receipts.
HSBC provides a comprehensive range of financial services to around 95 million customers through
four customer groups and global businesses: Personal Financial Services (including consumer finance);
Commercial Banking; Global Banking and Markets; and Private Banking.

Barclays Banks


Level 9, West Wing, The Gate Building, PO Box 506504 DIFC, Dubai

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Barclays is a major global financial services provider engaged in retail banking, credit cards, corporate and investment banking and wealth management with an extensive international presence in Europe, the Americas, Africa and Asia. With over 300 years of history and expertise in banking, Barclays operates in over 50 countries and employs 147,500 people. Barclays moves, lends, invests and protects money for customers and clients worldwide. For further information about Barclays, please visit

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With over 300 years of history and expertise in banking, Barclays operates in over 50 countries and employs over 145,000 people. Barclays moves, lends, invests and protects money for customers and clients worldwide.

Bank Sedarat Iran


Murshed Bazar Branch, PO Box 4182 Deira, Dubai

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Bank Saderat Iran was established in 1952 with the main objective to provide efficient and modern banking and is well reputed for the excellent services it is offering to customers throughout the world.

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Since the inception, BSI has expanded its network vigorously and established about 3400 branches in Iran and abroad. With over 32000 employees, the Bank has one of the largest Banking Network in Iran and the Middle East. BSI with its competent and innovative Management has used its extensive marketing skills to acquire a leading position in the retail banking area and has played a significant role in the development of economy & growth of the production in Industry, Trade, Agriculture and other services.

Bank of Baroda


Dubai Branch, Sh Rashid Build., 2nd Floor, Ali Bin Abi Talib Street, PO Box 3162 Bur Dubai, Dubai

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It has been a long and eventful journey of almost a century across 25 countries. Starting in 1908 from a small building in Baroda to its new hi-rise and hi-tech Baroda Corporate Centre in Mumbai, is a saga of vision, enterprise, financial prudence and corporate governance.
It is a story scripted in corporate wisdom and social pride. It is a story crafted in private capital, princely patronage and state ownership. It is a story of ordinary bankers and their extraordinary contribution in the ascent of Bank of Baroda to the formidable heights of corporate glory. It is a story that needs to be shared with all those millions of people – customers, stakeholders, employees & the public at large – who in ample measure, have contributed to the making of an institution.

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Our Logo
Our new logo is a unique representation of a universal symbol. It comprises dual ‘B’ letterforms that hold the rays of the rising sun. We call this the Baroda Sun.
The sun is an excellent representation of what our bank stands for. It is the single most powerful source of light and energy – its far reaching rays dispel darkness to illuminate everything they touch. At Bank of Baroda, we seek to be the source that will help all our stakeholders realise their goals. To our customers, we seek to be a one-stop, reliable partner who will help them address different financial needs. To our employees, we offer rewarding careers and to our investors and business partners, maximum return on their investment.
The single-color, compelling vermillion palette has been carefully chosen, for its distinctiveness as it stands for hope and energy.
We also recognize that our bank is characterized by diversity. Our network of branches spans geographical and cultural boundaries and rural-urban divides. Our customers come from a wide spectrum of industries and backgrounds. The Baroda Sun is a fitting face for our brand because it is a universal symbol of dynamism and optimism – it is meaningful for our many audiences and easily decoded by all.
Our new corporate brand identity is much more than a cosmetic change. It is a signal that we recognize and are prepared for new business paradigms in a globalized world. At the same time, we will always stay in touch with our heritage and enduring relationships on which our bank is founded. By adopting a symbol as simple and powerful as the Baroda Sun, we hope to communicate both.

Habib Bank AG Zurich


Beniyas Square, PO Box 3306 Deira, Dubai

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Habib Bang AG Zurich was established in 1967 on a solid foundation of banking tradition that spans several generations.

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Traditional banking values set in the context of international banking has determined Habib Bank AG Zurich’s corporate philosophy – “Service with Security” – for over 43 years in operation. Providing trade finance, corporate, consumer, private, retail and correspondent banking products, we offer highly personalized service to our customers through our international network of 25 branches.

Emirates NBD


PO Box 777 Deira, Dubai

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Emirates NBD, the leading banking group in the region was formed on 16th of October 2007 when the shares of Emirates NBD were officially listed on the Dubai Financial Market (DFM). The Emirates NBD 2007 merger between Emirates Bank International (EBI) and the National Bank of Dubai (NBD), became a regional consolidation blueprint for the banking and finance sector as it combined the second and fourth largest banks in the United Arab Emirates (UAE) to form a banking champion with the largest asset base in the GCC region summing up to AED 281.6 billion as at 31st December 2009, capable of delivering enhanced value across corporate, retail, Islamic and investment banking throughout the Gulf Cooperation Council (GCC) region
Emirates NBD’s vision is to be globally recognized as the leading and most dynamic financial services provider based in the Middle East.
Emirates NBD is a market leader across core business lines, it is the leading retail banking franchise in the UAE, with over 132 branches and over 705 ATMs / Cash Deposit Machines spread across the UAE. The Group is also a major player in the corporate banking arena. With a fast growing Islamic banking affiliated entities, strong investment and private banking services and a leadership in the field of asset management products and Brokerage services, Emirates NBD is well positioned to grow and deliver outstanding value to its shareholders, customers, and employees.

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As a socially responsible corporation, Emirates NBD engages in several corporate social responsibility activities, focusing mainly on priority causes in the UAE such as charity, education, environment, culture, art and sport. Preservation of the UAE culture and heritage are at the heart of the Group and in addition to supporting various initiatives that aim to preserve the UAE culture, Emirates NBD launched in 2003, the first pearl museum in the region containing the largest collection of natural pearls in the GCC. The Emirates NBD Pearl Museum is a gift from the late Sultan Al Owais, the founder of the National Bank of Dubai to the people of the UAE to remind them of their culture and heritage before the discovery of oil.
Emirates NBD received many prominent awards over the years. In 2010 it was crowned with the following awards:
– Banker Middle East Award 2010 in the Best Use of Technology
– Banker Middle East – Products Award for Best Personal Loan
– Best Private Bank in the UAE at the Euromoney Private Banking survey for 2010
– The number one banking brand in the Middle East by The Banker
– 2010 Financial Sector Technology (FST London) award for “Systems Integration Project of the Year”.
– Sh. Mohammed bin Rashid Al Maktoum “Supporters of the Arts Award”
The Group has operations in the UAE, the Kingdom of Saudi Arabia, Qatar, the United Kingdom and Jersey (Channel Islands), and representative offices in India, Iran and Singapore.
Currently, more than 7.000 employees from over 50 nationalities are employed by Emirates NBD, making it one of the largest and most culturally diversified employers in the UAE. As a National banking champion, Emirates NBD is an ambassador of economic and social progress for the entire UAE to the world.