In short
- Ammen is free to use, and prices are the same as going direct.
- Your policy is a contract with the insurer, not with Ammen.
- Give correct details. Wrong details can affect a claim.
About Ammen
1.1 This platform is owned and operated by Ammen LLC, commercial registration number CR NO. 03692, registered at QFC Tower 1, Office 8, first floor, Westbay, Doha - Qatar.
1.2 Ammen is licensed by Qatar Central Bank as an insurance price comparison website, licence number QCB LICENCE NO. 2026/1 م ات.
1.3 By using the platform you agree to these terms. If you do not agree, please do not use the platform.
What Ammen does and does not do
2.1 Ammen shows you insurance prices and product details from insurers licensed in Qatar so that you can compare them and choose for yourself.
2.2 Ammen is not an insurer, broker or agent. We do not sell, underwrite or issue insurance policies, and we do not give advice or recommend one insurer or product over another.
2.3 The prices and product details shown come from the insurers. We display them as we receive them.
2.4 If you buy a policy, your insurance contract is with the insurer you choose. The insurer issues your policy, receives your premium and handles any claim, change or cancellation.
How Ammen is paid
3.1 Ammen is free for you to use. We do not charge you any fee for comparing or buying a policy through our platform.
3.2 If you buy a policy through Ammen, the insurer that issues your policy pays us a service fee. This is our only source of income from insurers, and it is how we keep the service free for you.
3.3 We receive the service fee from every insurer on our platform, so we have no financial reason to favour one insurer over another.
3.4 Your premium is set by the insurer.
Your responsibilities
4.1 Give information that is true, complete and up to date. An insurer may change the price, refuse cover or reject a claim if the information you gave was wrong.
4.2 Use the platform only for yourself or for someone who has authorised you to act for them.
4.3 Before you buy, read the insurer's product disclosure information and policy terms. You will be asked to confirm that you have read and understood them.
4.4 Do not misuse the platform, for example by trying to access it without authorisation, copying its content by automated means, or interfering with how it works.
Our responsibilities
5.1 Show information that is clear, up to date and not misleading.
5.2 Treat all insurers on the platform equally and not favour any of them.
5.3 Keep your information confidential and secure, as set out in section 7 and in our Privacy Policy.
5.4 Keep the platform available at all times as far as reasonably possible, and handle your enquiries and complaints within the time frames in our Customer Charter.
Buying a policy
6.1 Before you buy, we direct you to the insurer's product disclosure information. You can download it as a PDF.
6.2 Payment of the premium is made to the insurer. Ammen does not receive or hold your premium.
6.3 The insurer sends you your policy documents. Any cancellation or refund is governed by the insurer's policy terms and handled by the insurer.
Confidentiality and security
7.1 We keep your information confidential and do not disclose it to anyone other than the insurers on our platform, except where the law or a regulator requires it. Our Data Sharing Statement lists what we share.
7.2 To keep your information safe when using Ammen:
- Use only our official website ammen.qa and our official app.
- Keep any one-time passcode we send you private. We will never ask you for it by phone, email or message.
- Do not send your card or bank details to anyone claiming to be Ammen. Premiums are paid to the insurer through the secure payment page.
- Tell us straight away at info@ammen.co if you think someone has used your details without permission.
Liability
8.1 We are responsible for our own errors and omissions in operating the platform, and we will offer fair redress where a complaint against us is justified.
8.2 The insurer is responsible for the price, the terms of the policy, the cover it provides and the handling of claims.
8.3 Nothing in these terms limits any right you have under Qatari law that cannot be limited.
Complaints
9.1 You can complain to us free of charge. Our Complaints section below explains the steps and time frames.
9.2 You also have the right to complain to Qatar Central Bank.
Changes to these terms
10.1 We may change these terms and the disclosures on our platform. We will notify you of any change at least 15 calendar days before it takes effect, on the platform and by email or SMS where we hold your contact details.
Language
11.1 These terms are published in Arabic and English.
Governing law
12.1 These terms are governed by the laws of the State of Qatar. Any dispute falls within the jurisdiction of the Qatari courts.
Contact
Ammen LLC, QFC Tower 1, Office 8, first floor, Westbay, Doha - Qatar. Phone +974 5544 8006. Email info@ammen.co.
Customer Charter
Our promise to you
Ammen exists to help you compare insurance in Qatar clearly and fairly. This charter sets out what you can expect from us.
Safe operations
- We are licensed and supervised by Qatar Central Bank, licence number QCB LICENCE NO. 2026/1 م ات.
- We show only insurers licensed in Qatar.
- We protect our platform with security controls that are tested regularly.
Privacy of your information
- We collect only what insurers need to quote and issue your policy.
- We share your information only with the insurers on our platform, and only for that purpose.
- We do not sell your information.
- We do not keep details of your insurance cover on our platform.
Reliable, quality service
- Our platform is available 24 hours a day, 7 days a week.
- The prices and product details you see come directly from the insurers.
- You can reach our customer service team directly through the platform.
Transparency
- Ammen is free for you to use. Insurers pay us a service fee when you buy a policy, at the same rate from every insurer.
- We do not rank, rate or recommend insurers or products. You choose.
- We tell you which of your details we share with insurers before you submit them.
- Everything we publish is available in Arabic and English.
Complaints and disputes
- Complaining is free and easy. See our Complaints section below.
- If a complaint against us is justified, we offer fair redress.
- You have the right to take your complaint to Qatar Central Bank.
- Disputes are resolved under the laws of Qatar, in the Qatari courts.
What we ask of you
- Give accurate information, so the quotes you see are right.
- Read the insurer's product information before you buy.
- Tell us if something goes wrong, so we can fix it.
Complaints
We want to put it right
If something has gone wrong, tell us.
How to complain
Contact us by any of these channels:
- The complaint form on this page
- Email: info@ammen.co
- Phone: +974 5544 8006, 8 am - 5 pm
- Live chat on our website
Tell us your name, mobile number, what happened and when, and what you would like us to do. Attach any documents or screenshots that help.
We send you a reference number so you can follow your complaint.
What happens next
| Step | When |
|---|---|
| We acknowledge your complaint by SMS or email, with your reference number | Within 2 working days |
| We send you our written answer | Within 7 working days |
If we cannot meet these time frames, we will tell you the reasons and give you a revised date.
If your complaint cannot be resolved within 3 business days, we will send you a written acknowledgement with the name and designation of the officer handling it and the time frame for our answer.
Our written answer will either offer a remedy or explain why we cannot uphold your complaint, and it names the officer who handled it. You can ask for the status of your complaint at any time through any of our channels, using your reference number.
If you disagree with our answer
Reply to us within 7 working days of our answer and we will reopen your complaint. Our Chief Executive Officer will review it, together with the reasons for our original answer, and send you a resolution within 10 working days.
When we close a complaint
We treat a complaint as closed when:
- we have done what you asked in full,
- you tell us in writing that you accept our answer, or
- we do not hear from you within 2 weeks of our answer.
Your rights
We treat every customer fairly. If you are not satisfied with our answer, you have the right to pursue other remedies available to you.