Terms of Use

By accessing or using this website and any related mobile applications or services ("Service"), you agree to be bound by these Terms of Use, our Privacy Policy and any additional terms that apply to specific products. If you do not agree, please do not use the Service.

The Service is intended for users aged 18 or older who can enter into a legally binding contract under the laws of Pakistan. By using the Service you confirm you meet these requirements.

• Use the Service only for lawful purposes and in a manner consistent with these Terms.
• Do not attempt to gain unauthorised access to any part of the Service, its systems or networks.
• Do not upload viruses, malware or content that infringes third-party rights.
• Do not use automated systems to scrape, index or duplicate content without written consent.

You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. Notify us immediately of any unauthorised use. We may suspend or terminate accounts that violate these Terms or applicable law.

Information on this website about insurance products, coverages and premiums is for general reference only. Actual coverage, exclusions, conditions and premium are set out in the policy document issued by UBL Insurers Limited. Quotations generated online are indicative and subject to underwriting review.

All content on the Service — including logos, trademarks, text, graphics, product names and software — is owned by UBL Insurers Limited or its licensors and is protected by applicable laws. You may not copy, modify, distribute or create derivative works without prior written permission.

The Service may contain links to websites operated by third parties. We are not responsible for the content, availability or practices of any third-party site and inclusion of a link does not imply endorsement.

The Service is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including fitness for a particular purpose, non-infringement or uninterrupted operation.

To the fullest extent permitted by law, UBL Insurers Limited, its directors, employees and affiliates shall not be liable for any indirect, incidental, special or consequential damages arising out of your use of, or inability to use, the Service.

You agree to indemnify and hold harmless UBL Insurers Limited and its affiliates from any claims, damages or expenses arising from your breach of these Terms or misuse of the Service.

These Terms are governed by the laws of the Islamic Republic of Pakistan. Any disputes arising in connection with the Service shall be subject to the exclusive jurisdiction of the courts at Karachi.

We may update these Terms from time to time. The updated version will be posted on this page with a revised effective date. Continued use of the Service after changes constitutes acceptance of the revised Terms.

Questions about these Terms may be sent to support@ublicare.com, by calling 111 845 845, or via WhatsApp at 021 111 845 111.