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Frequently Asked Questions

About Bawales

What is Bawales?

Bawales stands as the pioneering digital insurance aggregator in Qatar, operating seamlessly through its Mobile Application/Web Application and diverse channels. Our platform simplifies the process of arranging insurance products and services for users, leveraging the information they provide. Serving as a high-tech comprehensive one-stop-shop, Bawales offers users a smart and user-friendly experience to analyze, compare, and obtain insurance products. By connecting with various insurance providers, Bawales ensures users access relevant information and a seamless insurance journey.

What types of insurance products does Bawales offer?

Bawales offers a diverse range of insurance products to cater to various needs. Here is a list of the insurance products we provide:
  1. Car Insurance
  2. Motorcycle Insurance
  3. Health Insurance
  4. Travel Insurance
  5. Visitors Insurance
  6. Personal Accident Insurance
  7. Maid Insurance
  8. Home Content Insurance
  9. Fire And Allied Perils Insurance
  10. Household Comprehensive
  11. Jet Ski Insurance
  12. Boat Insurance
  13. Yacht Insurance
  14. Life Insurance
  15. Credit Life Insurance
  16. Professional Indemnity Insurance
  17. Workers’ Compensation Insurance
  18. Pet Insurance
  19. Marine Cargo Insurance
  20. Freight Insurance
  21. Contractor’s All Risk Insurance
  22. Offshore Construction All Risks Insurance
Our goal is to offer comprehensive coverage across different aspects of life, ensuring that our users can find suitable insurance solutions for their specific requirements.

For how long has Bawales been in business?

Bawales, as a distinct entity, was founded in the state of Qatar since 2021. However, the expertise of our team members collectively spans over a decade in the relevant industry. This extensive experience positions us to deliver knowledgeable and reliable services to our users, drawing on years of industry insight and proficiency.

Why should I choose Bawales?

The experience we’ve gathered over the years through our work in insurance field, gave us the ability to respond quickly to customer needs, global trends and market conditions. We’re committed to providing relevant products for individuals and employing distribution channels that suit our clients in every area we operate. We have pledged to make your life easier and better by providing this service and products in a simple and easy way, and through our constant support for you by providing a helping hand and assistance at any time.

Does Bawales available in my country?

Bawales has a local presence in the below countries:

  • United Kingdom
  • Qatar

Our office is solely serves as the administrational hub of Bawales. For any operational inquiries or services, we recommend reaching out through our designated users support channels.

Why should I trust Bawales's credibility?

At Bawales, trust is the cornerstone of our commitment to users. Several factors contribute to our credibility:
  1. Experience: Bawales is backed by a team with over a decade of collective experience in the relevant industries.
  2. Local Presence: We have a physical office in the state of Qatar, providing a tangible connection for administrative matters.
  3. Compliance: Bawales operates in accordance with applicable laws, regulations, and industry standards, ensuring a secure and compliant environment.
  4. Transparent Operations: We prioritize transparency and reliability in our operations, providing users with clear and accurate information throughout their interactions with our platform.
  5. User-Centric Approach: Bawales is dedicated to delivering a user-friendly experience, offering comprehensive insurance solutions tailored to individual needs.
Ultimately, our commitment to integrity, transparency, and user satisfaction sets the foundation for the trustworthiness of Bawales.

What Does Bawales offer me?

Bawales offers you a comprehensive suite of services to enhance your insurance experience:
  1. Insurance Awareness: We provide valuable resources to increase your understanding of insurance products, by offering valuable information and insights, empowering you to make informed decisions.
  2. Insurance Products Search & Analysis: Bawales offers in-depth analysis of the diverse range of insurance products, breaking down their features, benefits, and terms, so you can make well-informed choices based on your specific needs.
  3. Insurance Products Comparison: Bawales facilitates an easy, friendly and transparent comparison of various insurance products, helping you find the coverage that best suits your requirements and budget.
  4. Insurance Products Purchase: Through our platform, you can seamlessly and securely purchase insurance products, ensuring a straightforward and user-friendly experience.
  5. After Sale Services: We are committed to providing ongoing support and assistance post-purchase, ensuring a smooth and satisfying experience throughout the life of your insurance coverage.
With a user-centric approach, Bawales will be your trusted partner in navigating the complexities of insurance, offering a range of services to meet your specific requirements.

How can I purchase a product from Bawales?

Purchasing a product from Bawales is a straightforward process:
  1. Create an Account: Begin by creating a user account on our Mobile Application/Web Application or any of our channels.
  2. Provide Information: Complete the necessary details required for your profile and insurance needs. Ensure the accuracy and completeness of the information for precise product recommendations.
  3. Explore and Compare: Utilize our platform to explore and compare various insurance products based on your preferences and requirements.
  4. Select Your Product: Once you’ve identified the insurance product that aligns with your needs, proceed to select it for purchase.
  5. Follow the Prompts: Follow the prompts on the platform to complete the purchase process. This may involve providing additional information, selecting coverage options, and confirming your decision.
  6. Payment: Make the payment using the available secure payment options.
  7. Confirmation: Receive confirmation of your purchase, including policy details and relevant documentation.
Should you encounter any difficulties or have specific inquiries during the process, our support team is available to assist you.

Setting Up Your Account

How to create an account with Bawales?

To create an account for Bawales, from Bawales mobile application. click on “Create Account”, Complete the required fields, then verify your email and mobile by entering the codes sent to your email and mobile number.

To facilitate the purchase of insurance policies, please complete your profile by accessing the profile page and initiating the upload of necessary documents.

What are the fees involved?

We don’t charge a fee when you create Bawales Account.

Car Insurance

What factors are considered when determining Vehicle insurance premiums?

Most of the insurers look at many factors to determine if an applicant is eligible for one of its programs and to determine what the premium will be. Vehicle insurance key factors include:
  • Driving Record
  • Gender and age
  • Marital status
  • Prior insurance coverage
  • Miles driven and use of vehicle
  • Vehicle type, model, and specifications
  • Claim history
  • Types and Amounts of Coverage
  • The vehicle photos
  • Policy duration

What are the types of Car Insurance, and What are the differences between them?

Bawales offers two primary types of Car Insurance:
  1. Third-Party Liability Insurance:
    • Coverage: This type of insurance provides coverage for damages and injuries caused to third parties involved in an accident where you are at fault.
    • Mandatory: Third-Party Liability Insurance is often mandatory by law in many jurisdictions.
    • Basic Coverage: It covers the costs of property damage and bodily injuries to third parties, but does not cover damages to your own vehicle.
  1. Comprehensive Insurance:
    • Coverage: Comprehensive Insurance provides coverage for a broader range of risks, including damages to your own vehicle, theft, natural disasters, and more.
    • Optional: Unlike Third-Party Liability Insurance, Comprehensive Insurance is optional but offers more extensive protection.
    • Full Protection: It covers damages to your vehicle, theft, vandalism, and other non-collision incidents in addition to third-party liability.
Key Differences:
  1. While Third-Party Liability Insurance focuses on covering damages to others, Comprehensive Insurance offers a more comprehensive protection, including damages to your own vehicle.
  2. Third-Party Liability Insurance is often required by law, whereas Comprehensive Insurance is optional but provides a higher level of coverage.
  3. The cost of Comprehensive Insurance is typically higher due to the broader coverage it offers.

About Policies

What is the process for renewing my insurance policy?

This is one of the most important reasons for the existence of this application, as it is easy to renew the policy with the push of a button and following the steps until the end, as the purchase process has been completed.

Are there any discounts or loyalty programs available for policyholders?

Of course, if you are a distinguished customer of ours, you will always get discounts and different features

How can I contact customer support for assistance with my insurance policy?

Bawales provides a distinguished service to their customers, as it is possible for the customer to arrange a phone call with the company’s customer service representatives, and the customer has the right to choose the timing that suits him. Customer service representatives are trained and have great experience to accommodate all customer inquiries and respond to them.

Can I cancel my insurance policy, and what are the associated fees or penalties?

Purchasing a product from Bawales is a straightforward process:
  1. Create an Account: Begin by creating a user account on our Mobile Application/Web Application or any of our channels.
  2. Provide Information: Complete the necessary details required for your profile and insurance needs. Ensure the accuracy and completeness of the information for precise product recommendations.
  3. Explore and Compare: Utilize our platform to explore and compare various insurance products based on your preferences and requirements.
  4. Select Your Product: Once you’ve identified the insurance product that aligns with your needs, proceed to select it for purchase.
  5. Follow the Prompts: Follow the prompts on the platform to complete the purchase process. This may involve providing additional information, selecting coverage options, and confirming your decision.
  6. Payment: Make the payment using the available secure payment options.
  7. Confirmation: Receive confirmation of your purchase, including policy details and relevant documentation.
Should you encounter any difficulties or have specific inquiries during the process, our support team is available to assist you.

Are there any exclusions or limitations to my insurance coverage?

There are no exclusions or limitations on your request for any policy from our side. Insurance companies are the ones who determine whether or not to implement the request based on the information provided by the customer.

Do you offer coverage for specific industries or specialized needs?

There is no specification for a specific type of industry, everyone has the right to apply for any of our products. Only insurance companies have the right to accept or reject your application based on their criteria

How do I access my insurance policy documents and account information?

When the policy purchase process is completed, you will receive an email containing all the documents and your personal account information

How do I get a quote for insurance coverage?

This is a very important feature of Bawales application. Once you request to purchase an insurance policy for your person, car, etc., you will receive insurance policy offers from the insurance companies contracting with us. You are free to choose what is best for you.
When these offers are presented to you, you can filter the results based on what you want to see, so you can choose more easily.

How do you protect my personal information and ensure privacy?

We use advanced encryption protocols to secure the transmission of your data between our servers and your device. This ensures that your information is protected unauthorized access during transit. We have strict access controls in place to limit access to your personal information to authorized personnel only. Our employees undergo regular training on data protection and privacy practices. We take the responsibility of protecting your personal information seriously and continuously strive to maintain the highest standards of data security and privacy. If you have any further questions or concerns about our data protection practices, please don’t hesitate to contact our customer support team.