Check your eligibility

How It Works

• Select your insurance policy through eSanad.
• Choose Ubey Credit Card as your payment method.
• If you already hold a Ubey card — you can proceed immediately.
• If you don’t — apply directly through Ubey (https://ubeyy.com/esanad).
• Upon approval, pay your premium using the Ubey card and activate the 6-month Easy Payment Plan (EPP).

Your insurance policy is issued as usual by the insurer. Your installments are handled directly by Ubey Finance.

Regulatory & Structural Disclosure - Important Information

• eSanad is a licensed insurance intermediary regulated by the Central Bank of the UAE.
• The 6-month Easy Payment Plan (EPP) is offered exclusively by Mawarid Finance PJSC through the Ubey Credit Card.
• Credit approval, limits, eligibility, and installment terms are determined solely by Mawarid Finance.
• eSanad does not provide lending, financing, credit underwriting, or installment services.
• Insurance issuance, pricing, and underwriting remain independent of any financing arrangement.

Offer Terms & Conditions

Easy Payment Plan (EPP) – Terms & Conditions

• 1.

  The 6-month 0% Easy Payment Plan (“EPP”) is offered exclusively by Mawarid Finance PJSC through the Ubey Credit Card and is subject to Mawarid Finance’s approval, internal credit policies, and applicable cardholder terms and conditions.

• 2.

  Eligibility for the EPP is subject to:

  • Holding a valid and active Ubey Credit Card; and/or
  • Meeting Mawarid Finance’s credit approval criteria.

• 3.

  Credit approval, credit limits, installment conversion, repayment schedules, and all related financing obligations are determined solely by Mawarid Finance and are subject to its regulatory and contractual requirements.

• 4.

  eSanad acts solely as a licensed insurance intermediary regulated by the Central Bank of the UAE and does not:

  • Provide lending, financing, or credit services;
  • Conduct credit assessments or affordability evaluations;
  • Influence approval decisions;
  • Collect installment payments;
  • Process or retain credit-related documentation; or
  • Assume any credit, default, collection, or repayment risk.

• 5.

  Any late payment charges, fees, penalties, or applicable interest (if any under the cardholder agreement) shall be governed exclusively by the Ubey Credit Card terms and conditions issued by Mawarid Finance.

• 6.

  The availability of the EPP does not affect:

  • Insurance underwriting decisions;
  • Premium pricing;
  • Policy coverage terms;
  • Claims handling processes; or
  • The insurer’s contractual obligations.

• 7.

  Insurance policies are issued by duly licensed insurance companies in the United Arab Emirates and remain subject to the insurer’s underwriting criteria, policy terms, conditions, and exclusions.

• 8.

  The Easy Payment Plan is an independent financing arrangement between the cardholder and Mawarid Finance. It does not form part of the insurance contract and does not modify, enhance, or replace any insurance policy terms.

• 9.

  eSanad reserves the right to amend, suspend, or withdraw the display of this offer on its website at any time, subject to applicable regulatory requirements.

• 10.

  Mawarid Finance reserves the right to modify, suspend, or discontinue the Easy Payment Plan in accordance with applicable laws, regulatory guidelines, and its internal policies.

• 11.

  Any dispute, inquiry, or complaint relating to credit approval, installment payments, fees, card usage, or financing obligations must be directed to Mawarid Finance PJSC.

Additional Salik Promotional Benefit – Terms & Conditions

• Customers who are successfully issued and activate a Ubey Credit Card under this campaign may receive a promotional AED 100 Salik top-up.
• The Salik benefit is provided, funded, and administered solely by Mawarid Finance PJSC and is subject to Mawarid Finance’s promotional terms and conditions.
• The Salik top-up is a promotional benefit and does not constitute an insurance discount, premium rebate, or underwriting incentive. It does not affect insurance pricing, coverage, or policy terms.
• eSanad does not fund, administer, process, or credit the Salik top-up and bears no responsibility in relation to its issuance or usage.
• The Salik credit is non-transferable, non-refundable, and not redeemable for cash.
• To qualify, the customer must maintain a valid and active Salik account registered in their own name at the time of crediting.