You insure. We run everything else.
One platform runs your entire business — motor, fleet, health, general insurance, claims, finance, distribution and reporting. VInsure is your complete system of record.
Motor Insurance
One platform for the whole insurance business
VInsure replaces the patchwork of disconnected systems most insurers run with a single connected platform that is itself the system of record — built specifically for the UAE.
Every product line, one system
Motor, Fleet, Health and a full suite of General Insurance — sold, issued, serviced, accounted for and reported in a single platform.
Your complete system of record
Every policy, document, transaction and ledger entry held natively. No external core to sync to, no reconciliation, no double entry.
Claims built for the UAE
First notice of loss to final payout — garage-network control, regulator-grade complaint handling, and AI-assisted fraud guards.
Native accounting + IFRS 17
A complete double-entry insurance general ledger and built-in IFRS 17 reporting — your single source of truth.
AI at the core
Smart OCR fills forms with zero manual entry, a Smart Assistant chats with you in any language, plus an open MCP layer.
Native mobile apps
Customer and Business-Partner apps for iOS & Android — camera-first, offline-ready — published under your own brand.
Fully yours, end to end
The whole platform and both apps are white-labelled to your brand, on your own dedicated servers — never shared.
Fully managed & UAE-hosted
UAE data centre, backups, disaster recovery, security and 24/7 support. Setup fee + monthly. Zero internal IT burden.
The commercial model
One setup fee, one predictable monthly subscription. We handle infrastructure, servers, security, backups, disaster recovery, monitoring, updates and technical support — you get a regulator-ready operating environment without building one.
Replace the patchwork with one connected platform
Most insurers run their business across disconnected systems — one tool for motor, another for health, spreadsheets for claims, and a separate legacy core someone re-keys into by hand. The result is duplicated data, slow claims, broker reconciliation headaches, and a scramble at reporting time.
The patchwork today
- Fragmented systems and data silos across product lines
- Manual re-keying into a separate legacy core
- Duplicate customers and broker reconciliation disputes
- Slow claims and weak fraud detection
- A scramble at regulatory-reporting time
VInsure
- One connected platform that is itself the system of record
- Quote → issue → government registration → ledger, no re-keying
- Clean, de-duplicated data with controlled broker access
- AI fraud guards on every issuance and document
- Native IFRS 17 — one-click Central Bank export
Built specifically for the UAE — Emirates ID and trade-licence driven, connected to local government authorities, Takaful-aware in its accounting, IFRS 17-ready out of the box, and hosted inside the UAE to meet Central Bank data rules from day one.
Organised the way an insurer actually works
From selling a policy, through servicing and claims, to the finance, distribution and intelligence that sit underneath everything.
One platform · one foundation
Every box shares the same customers, documents, security and ledger — because it is one platform, not a bundle of separate apps. Delivered on web and native iOS & Android, all white-labelled as your brand, on your own dedicated servers.
Four lines, one engine
Every line reuses the same pricing, payment, accounting, commission and reporting plumbing — so adding a product is a configuration exercise, not a rebuild.
Motor Insurance
The sales engine
From first quote to issued policy to government-registered vehicle, the whole motor sale closes in one continuous, hands-off flow.
AI Smart-OCR proposal capture
Emirates ID, licence, Mulkiya, new-car, import/export and trade licences read automatically; one PDF split into its documents; the form filled with no typing, mismatches flagged.
Instant multi-plan quotation
Comprehensive and Third-Party plans side by side, filtered by the exact vehicle, shareable by email, SMS or download.
Automatic policy issuance
Schedule, certificate, tax invoice, debit/credit notes and commission documents generated instantly, with controlled numbering and double-issue protection.
Pay-by-link across gateways
Customers pay remotely on their own device, and confirmation triggers everything else automatically.
Configurable rate matrix
Pricing by vehicle type, value band, age, engine, cylinders, weight and use — owned by your underwriting team, no developers needed.
Direct government registration
Cover registered straight with Dubai's RTA and the other-emirates channel, so the customer can register immediately. Cancel, renew and re-push supported.
Fleet Insurance
Enterprise motor, done right
One company, one master policy, every vehicle covered — priced fairly, issued in seconds, renewed as one. VInsure covers a corporate client's entire fleet under a single 13-month master policy while still giving every vehicle its own road-legal certificate.
Compliance & sanctions gate
A fleet can only be written for a compliance-approved corporate client; company and owner are screened against UN / UAE / PEP lists, and a match is a hard block.
Proposal-first roster intake
Upload a list of up to 1,000 vehicles; missing fields, bad chassis numbers and duplicates are caught and blocked before pricing.
Manager-set rate cards with history
Comprehensive priced per vehicle, TPL flat per car, optional add-ons, 5% VAT — every rate ever quoted saved and pre-filled for returning clients.
Instant master issuance
Per-vehicle certificates generated for the whole fleet, with four payment methods each carrying the right underwriter controls.
Fair mid-term changes
Add or remove vehicles with pro-rated billing and refunds, correct tax documents, and matching commission — the master policy never re-issues.
Lifetime claims & loss-ratio view
Claims attributed to the exact vehicle, with a multi-year chain view giving a true loss ratio at renewal.
AI fraud guard: Every issuance is re-checked for hidden prior own-damage claims and document inconsistencies before a policy can be bound — protecting the loss ratio on every sale.
Health (Medical) Insurance
Every member covered
From first quote to final e-card: medical cover sold, issued and kept compliant for every family member in one place — many members per policy, medical declarations, regulator integration and penalty rules, all handled.
Multi-member family policies
Principal, spouse, children, dependents and domestic workers on one policy, each with the correct document and visa rules.
Issuance, e-cards & documents
Member e-cards, health certificate, tax invoice, debit/credit notes and receipts generated automatically, in English and Arabic.
Plan catalogue & provider directory
Plans, TPAs, hospital networks and Tables of Benefits (English & Arabic), all centrally managed.
UAE health-regulator integration
Electronic DOH/DHA policy and member registration, continuity verification, identity and visa verification, and provider-network exchange.
Automated multi-plan pricing
A rating matrix across plan, network, city, visa type, age, gender, marital status and salary band, with maternity and underwriting loadings applied automatically.
General Insurance
A full commercial suite
Quote, underwrite, issue, endorse and account for every commercial line — all on the same platform, with new lines that plug in without rebuilding.
Lines running side by side
Guided quotation builder
A step-by-step application capturing the insured business, premises, risk flags, prior claims and documents, saveable as a draft.
Coverage tiers & automatic pricing
Pre-built tiers priced instantly from a configurable rate table; un-priced quotes are impossible.
Pay-by-link & automatic issuance
Customer pays online, policy issues automatically.
Endorsements & cancellations
Mid-term changes priced, documented and accounted for correctly across every line.
Approval workflow
Simple cases auto-approve, others route for review, with full version history.
Native accounting & commissions
Every issuance books straight into the same ledger as motor, fleet and health, with broker VAT handled.
One engine, many products: Because every line reuses the same pricing, payment, accounting, commission and reporting plumbing, adding a new commercial product is a configuration exercise, not a rebuild.
Motor Claims — the crown jewel
From first notice of loss to final payout — one disciplined, fully-audited claims engine that keeps garages honest and regulators satisfied.
A nine-stage, timestamped lifecycle
FNOL & intake
Captures the incident, auto-generates a claim number, supports multiple losses, classifies fault and damage, and links to the right policy and vehicle automatically — including fleet vehicles matched by chassis, certificate or plate.
Surveyor & assessment
Formal inspections and survey reports feed estimation and total-loss decisions, routed to the right approval level by value.
Salvage & total loss
Multi-stage assessment, independent loss-adjuster valuations, mortgaged-vehicle handling, and salvage value feeding the final settlement.
Claim financials & reserves
Automatic reserves per loss, separate recovery reserves, burn-down visibility, and event-driven feeds straight into the general ledger.
Five parallel settlement paths
Garage repair, cash settlement, total loss, third-party property damage, and recovery — so a complex multi-loss claim never bottlenecks on a chain.
Garage concentration rule
Anti-monopoly control
VInsure continuously measures each garage group's share of your live repair book — by count and value — aggregating all branches of a chain so no one can dodge the limit. Enforced server-side, with logged supervisor overrides.
Customer 360 — Individual & Corporate
One clean, de-duplicated record for every policyholder and every company you insure — keyed off validated identity, with every policy, quote and claim linked.
One master record per customer
Keyed off a validated Emirates ID or trade licence — de-duplicated automatically.
Individual 360 with auto de-duplication
One master record per person keyed off a validated Emirates ID; all policies, quotes and claims linked with live counts.
Corporate company profiles
Per trade licence even when two agents work the same client, with named contacts and fleet-readiness at a glance.
Compliance approval workflow
An auditable approve/reject/resubmit gate that blocks larger (fleet) business for unapproved companies without slowing ordinary motor sales.
Credit facility with tamper-proof ledger
A credit limit that can never be overspent, with a permanent append-only history and double-charge protection.
KYC capture with AI OCR
Trade licence and owner Emirates ID captured once, read automatically and reused — internal-staff-only as an anti-fraud control.
Regulator-grade complaint governance
Every concern becomes a tracked ticket with an owner, priority and due date. Flagging a Sanadak (CBUAE ombudsman) case forces critical priority, requires a regulatory reference, and sets a binding 3-working-day deadline that skips UAE weekends — then locks it so it can't be quietly edited.
Knowledge Base — your best agent, everywhere
Every agent answers like your best agent — one trusted, instantly-searchable source of truth.
Searchable article library
Review → published → archived lifecycle with version history.
Strictly internal & role-scoped
Sensitive guidance never leaks to customers; same secure login as the rest of the platform.
Typo-tolerant search
Agents find answers even with imperfect spelling under pressure.
Knowledge-gap capture
Failed searches and unanswered questions become a prioritised to-do list for content owners.
Finance & Accounting — your single source of truth
A complete insurance general ledger built into the platform — every policy and claim books itself, and VInsure is the system of record. There is no separate finance system and nothing to reconcile against.
Automatic accounting from every event
Issuance, cancellation, endorsement, reserves, settlements, expenses and recoveries post automatically in the background, across motor, fleet, health and general insurance.
True double-entry general ledger
A full chart of accounts, every entry forced to balance, permanent and never edited (corrections only via visible reversals), controlled document numbering.
Built-in UAE VAT
5% calculated and booked automatically, with the right exceptions, plus bilingual receipt and payment vouchers.
Outstanding balances & aging
Live receivables/payables aged by 30/60/90/120+ days, derived straight from the ledger so they never drift.
Broker commission done correctly
Computed from confirmed data and clawed back proportionally on cancellation — eliminating the most common insurance-accounting error.
Native IFRS 17 reporting
Earned/unearned premium, liability for remaining coverage, outstanding-claims reserve, loss and combined ratios, and claims-development triangles — produced from your own ledger, with an actuarial-input pipeline and a one-click Central Bank regulatory export.
IFRS 17 is mandatory under CBUAE; late submission carries penalties of AED 300,000–500,000. VInsure is built for it from day one — no double entry, no reconciliation, no legacy core.
Online payments — pay-by-link
Multiple gateways with payout capability and duplicate-processing safeguards; money confirmed before anything is issued.
Broker Network & Self-Service Portal
Give your brokers their own portal to sell, manage and track their business — on rails you control, with no bad data and no manual entry.
A full broker portal
Each broker logs into their own workspace to create proposals, generate quotes, manage policies, track commissions, and see only their own book.
OCR-locked forms — no manual entry
The motor and medical proposal can only be completed by uploading documents; AI OCR fills the form, so no typing, no bad data, no duplication.
The referral & approval engine
Anything outside the rules routes to an internal decision-maker first; a broker can never approve their own referral, and every one is queued, owned, decided and logged.
Strict data isolation
Each broker sees only its own book and sub-agents; competing brokers never see each other's data; finance detail is hidden.
Granular roles & permissions
20+ purpose-built roles, each permissioned to View / Create / Edit / Delete on individual features — true least-privilege, enforced server-side.
Strict data isolation
Competing brokers never see each other's data. Finance detail is hidden. Enforced server-side.
The pitch to an insurer: Hand your brokers a portal that makes them productive and keeps your data clean — every submission OCR-verified, every change a controlled referral, every commission calculated automatically, every broker walled off from the rest.
Developer & Aggregator API
Open, secure APIs for motor and medical so aggregators and partners can integrate fast — and inherit your OCR, pricing and controls automatically.
Motor & medical APIs
Partners create proposals, generate quotations and issue policies programmatically, without touching the UI.
Connected to your integrations
A partner issuing a policy automatically triggers document reading, government registration, payment and accounting — the full pipeline.
Fast, secure onboarding
Issued access keys, request signing with replay protection, per-key rate limits, and a copy-ready API reference for integrators.
Fully audited
Every partner call logged with endpoint, response and timing for traceability and troubleshooting.
Inherits the platform's intelligence
API submissions run through the same AI OCR, pricing rules, referral engine and fraud guards as direct sales.
The pitch: Let aggregators and partners sell your products through their own systems in days, not months — securely, and without you sacrificing data quality or control.
AI at the core, not bolted on
Three layers of intelligence that remove typing, answer questions, and let you connect whatever else you choose — safely.
AI Smart OCR — zero-touch data capture
Upload the document. VInsure does the rest — no typing, no bad data, no fraud slipping through. An AI pipeline turns a photo or PDF into clean, verified, form-ready data with no human input.
Detects & crops
Finds the document in a photo, straightens it, and identifies what it is (Emirates ID front/back, licence, Mulkiya, trade licence, customs papers).
Splits multi-document uploads
One PDF containing several documents is automatically separated into its parts.
Cross-checks & flags fraud
Exact match on ID/chassis/licence numbers, fuzzy name matching, and expiry checks; clear mismatches rejected, borderline cases flagged.
Reads & auto-fills
Extracts every field and fills the proposal form completely — the foundation of the broker portal's locked forms.
The outcome: Faster proposals, near-zero data-entry errors, fewer duplicate customers, and a first line of fraud defence on every single document — for staff and brokers alike.
AI Smart Assistant — talk to your portal
Ask a question in plain language, get the answer in seconds — in your language. It's like having an analyst on call 24/7 who knows every policy, claim and number in your business.
Just ask, in plain language
Production, expiries, a broker's commission this quarter, the status of a claim — a clear answer in seconds, no filters, no exports.
Role-aware and secure
It only ever answers from data the asker's role is permitted to see, inheriting the platform's permissions exactly.
Across the whole platform
Production, policies, customers, claim status, financials, outstanding balances and broker performance — one assistant over all your data.
Multiple languages
Ask and receive answers in several languages, including English and Arabic — ideal for mixed management teams.
What's this month's motor production?
Motor production this month is AED 4.62M across 1,184 policies — up 12% on last month.
Answered from your live data · role-permitted
كم عدد الوثائق التي تنتهي الأسبوع المقبل؟
٢٥٩ وثيقة أفراد و٥٨ وثيقة شركات — إجمالي ٣١٧ وثيقة تنتهي الأسبوع المقبل.
English & Arabic answered in seconds
Automation & MCP — the AI integration layer
VInsure runs the routine work for you, and exposes a secure MCP layer so any AI assistant or external system can plug straight in.
The automation engine
Renewal & expiry automation
Automatically detects policies and documents approaching expiry and sends renewal notices and reminders at configurable timing.
Auto proposal & quote generation
Proposals and quotes generated from captured data, and renewals pre-built as ready-to-price proposals.
Staged follow-ups
Outstanding items chased with escalating reminders that never double-send and re-trigger if a case goes quiet.
MCP + AI integration layer
A secure MCP interface
External AI assistants and tools connect to read live policy, claim and settlement data and write structured updates back — for example posting an AI-written summary onto the right claim, with staff notified.
Built for any AI or aggregator
Chatbots, AI agents and third-party tools all connect through the same governed layer.
Per-integration credentials
Each connected tool gets its own key, throttled and instantly revocable, with secrets stored encrypted.
Automation isn't a chatbot bolt-on — it's an open, governed AI layer that makes VInsure programmable and lets you connect whatever intelligence you choose, safely.
Mobile Apps — your business in everyone's pocket
Two native iOS & Android apps — one for your customers, one for your business partners — published on the App Store and Google Play under your own brand. The phone camera replaces manual entry; field teams work even with no signal.
Customer App (B2C)
Buy, renew, manage policies & file claims
FNOL & status
Capture damage photos, follow live status
Business Partner (B2B)
Agents, surveyors, garages, offline-ready
Customer App (B2C)
Buy & renew motor in minutes
Camera-scan documents, AI OCR auto-fills, compare plans and add-ons, pay online, one-tap renewal.
Manage all policies
Motor + health lists, document downloads, expiry alerts, cancellation with IBAN refund, one-tap roadside call.
Respond to claim actions in-app
Accept/reject cash settlements, upload IBAN, sign declarations, respond to total loss.
File & track a claim
Scan the police report, capture damage photos, submit, then follow a visual status timeline with real-time push.
Business Partner App (B2B) — one role-aware app
Agents & brokers
Camera-OCR proposals with mismatch detection, quotes, payment links, issuance, and commission & performance — closing sales on the road.
Surveyors
Assignments by push, guided damage photos, per-part assessment and estimate, with full offline support that syncs when back online.
Garages
Quotation requests with survey report and photos, repair jobs against the purchase order with SLA timers, invoices and payment tracking.
Camera-first, secure, bilingual
Full English & Arabic with RTL, biometric login, certificate pinning, and screen-recording protection on sensitive screens.
With camera-first OCR — actions on a phone update the platform instantly, and back. One code-base, both platforms, published under your brand.
Web self-service portal
The same customer capabilities on the web, for policyholders who prefer a browser — sharing exactly the same records, documents and ledger as the apps.
Customer Retention Tools
Turn one-time buyers into loyal customers with integrated rewards and marketing automation.
Customer Rewards
Cashback & loyalty programs
Voucher Management
Promotional campaigns
Campaign Management
Automated marketing
Communications Hub
Multi-channel outreach
Connected to the UAE ecosystem
VInsure is the hub. We connect and manage every external system for you — so your team never has to. When a government endpoint or payment provider changes, we handle it.
Vehicle registration
RTA (Dubai) · EVG (other emirates)
Register, renew and cancel motor cover directly with traffic authorities so vehicles go on-road immediately.
Federal motor data
Mulem — accident / no-claims
Verify no-claims discounts and accident history at the source — no discount leakage.
Health regulators
DOH · DHA · MOI · networks
Register members, verify continuity and identity, and exchange provider-network data for compliant medical cover.
Payments
Card gateways · pay-by-link · payouts
Collect premium online and pay refunds out, with automatic confirmation and duplicate protection.
Communications
Branded email + SMS
Deliver policies, certificates and reminders, with delivery and open tracking.
Document AI
AI Smart-OCR engine
Read, verify and auto-fill from uploaded documents across staff and broker channels.
Vehicle data
Specification & valuation services
Auto-estimate vehicle values and validate pricing at quotation time.
AI & partners
MCP layer + Developer APIs
Let AI assistants, aggregators and partner systems integrate securely through one governed layer.
Hosting & data
UAE-based cloud & private storage
Keep all data inside the UAE with backups and disaster recovery.
Bridge your legacy systems
Our advanced middleware
Switching platforms shouldn't mean ripping everything out on day one. VInsure's own middleware bridges your existing legacy systems — including core insurance systems such as Premia — so the new platform and your current systems run side by side and stay in sync while you transition at your own pace.
Deep legacy-database experience
Proven work with Oracle Database, Microsoft SQL Server and other enterprise databases, read and write, safely.
Read-only or full sync
Connect for reporting only, or for full operational write-back, depending on your risk appetite.
Two-way, real-time sync
Keep policies, transactions and financials aligned across old and new systems during migration.
Phased, low-risk migration
Go live module by module while the legacy core keeps running — no big-bang cutover, no data left behind.
Platform & Trust — the engine room
The dependable backbone behind every policy, payment and document — secure, automated, and always on.
Audit trails everywhere
Change history, broker activity logs, partner API logs, and tamper-evident decision logs.
Automatic document generation
Branded PDFs for policies, certificates, invoices and notes across all product lines.
Defence-in-depth security
Mandatory per-endpoint permissions, signed partner requests with replay protection, rate limiting, and strict server-side validation.
Secure private document storage
Sensitive files held in private cloud storage, reachable only through short-lived signed links.
Built for UAE regulation
VInsure is hosted and operated inside the UAE so the compliance burden moves off your balance sheet. You are not just buying software — you are buying a pre-audited, regulator-ready operating environment.
Your data never leaves the UAE. Hosted in a UAE data centre with a physically separate backup site — meeting CBUAE residency and 10-year retention rules. We handle the outsourcing-approval pathway.
Native IFRS 17 reporting built into your own ledger — PAA-aligned entries, audit trail, and a one-click Central Bank export. Avoids late-submission penalties of AED 300k–500k.
Controls built into the workflow, not bolted on — AI document verification, full audit log, role-based access, and configurable claim/policy fraud triggers. Supports Federal Law No. 6 of 2025, Article 149.
Sanctions screening at onboarding against UN / UAE / PEP lists, with MLRO-support audit logs and structured activity data.
We act as your data processor: signed Data Processing Agreement, breach-notification readiness, UAE-only storage, and DPO support.
Dual UAE data centres, automated daily backups retained 10 years, and tested disaster recovery — a documented BCP ready for CBUAE inspection.
ISO 27001-aligned controls, annual third-party security assessment, and a 24-hour incident-notification commitment.
Infrastructure, servers, patching, monitoring, backups and 24/7 technical support — all included. Zero internal IT burden.
White-Label & Dedicated Deployment
The entire platform and both mobile apps are branded as yours, on your own dedicated servers — a seamless, end-to-end experience your customers and team see as 100% your own.
Your brand, everywhere
Your logo, colours and identity across the web platform, the customer portal, both mobile apps, and every document and email. They never see VInsure — they see you.
Your apps, under your name
The Customer and Business Partner apps published on the Apple App Store and Google Play under your own brand and developer listing.
Fully managed, still entirely yours
We run, secure, back up, monitor and update your environment behind the scenes; you get a private, branded, regulator-ready platform without operating any of it.
Dedicated, single-tenant hosting
Your platform runs on its own dedicated servers, isolated from every other client — strengthening your CBUAE data-isolation posture.
It looks like you built it. It runs like we did.
The numbers that matter
You insure. We run everything else.
Setup fee
Onboarding, configuration of your products, rates and integrations, full branding of the platform and both apps, publishing the apps under your name, your dedicated environment, data migration, and go-live.
Monthly subscription
Hosting, infrastructure, servers, security, backups, disaster recovery, monitoring, updates, integration maintenance, and 24/7 technical support — all included.
Fully managed
No internal IT team to build, no servers to buy, no compliance environment to maintain, no integrations to babysit. A regulator-ready platform from day one.
Methaq Takaful Insurance
Complete Digital Transformation
How VInsure powered Methaq's journey from traditional operations to a fully digital insurance business.
Digital Operations
Complete elimination of paper-based processes
Production Growth
Remarkable increase in policy production
Fraud Reduction
Significant decrease in fraudulent claims
Office Visits
Minimised in-person touchpoints required
What made the difference
The capabilities that moved Methaq off paper and onto one platform
End-to-End Digital Journey
From first quote to final claim, completely paperless
Partner Ecosystem
Garages, surveyors, and brokers fully integrated
AI Document Processing
Automated extraction and validation of documents
Native Accounting
Every policy and claim booking itself to one ledger
ML Fraud Detection
Real-time anomaly detection across all transactions
Run your entire insurance business
on one platform
One setup fee, one predictable monthly subscription — your brand, your apps, your dedicated UAE environment, our technology and team invisibly behind it. Let's discuss how VInsure fits your operation.
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VIONEX Technologies LLC · TRN 104816197800003 · Proud Abu Dhabi born