Services · Ecommerce development · Insurance marketplaces
Codeeo delivers insurance marketplace website development Dammam brokers and licensed aggregators can put in front of buyers across the Eastern Province: a site where several insurers list their cover, customers compare quotes side by side, pay the premium online and receive the policy in minutes. We build the insurer onboarding, the comparison engine, the checkout and the commission ledger as one platform, shaped around the commercial buyers that dominate Dammam, Al Khobar and Dhahran.
An Eastern Province buyer is often a site manager insuring twenty pickups or an HR officer renewing medical cover for a crew in Jubail. The platform has to handle those multi item purchases as comfortably as a single family car, in Arabic first and in English. Expatriate families renewing a single policy get a simpler path through the same site.
200+ companies servedFrom a first store to an ADX listed developer
What the marketplace includes
A Dammam insurance marketplace serves two sets of customers at once. Insurers are the sellers: they need to load products, keep rates current, accept policies and get paid what they owe and are owed. Buyers want to see real prices from several companies, understand the differences and finish the purchase without phoning anyone. Between them sits your team, which carries the licence and answers to the regulator for what the site says and does.
Insurance aggregation in the Kingdom runs under the Rules Governing Insurance Aggregation Activities, first issued by SAMA, with licensing now handled by the Insurance Authority. Those rules affect how quotes are displayed, what disclosure appears before payment and how the relationship with each insurer is documented, so we design the platform around them rather than retrofit them. The parts below are where Eastern Province projects usually spend their effort, in the order buyers meet them.
A buyer uploads a vehicle list or adds registrations one by one, picks third party or comprehensive cover per vehicle and sees every participating insurer's price for the whole batch. Logistics yards around the Second Industrial City and contractors serving the oil and gas supply chain rarely insure one car at a time. Vehicles that need a survey or carry unusual risks are flagged for a manual quote rather than refused.
A fleet quote in one session instead of a week of emails.
Employers enter headcount by age band, nationality mix and network preference, and the site requests group medical quotes from insurers that accept small and mid sized groups. Plans are shown with the same benefit headings so an HR officer can compare like with like before asking for a formal offer.
Group medical requests reach insurers already complete.
Each insurer joins through a controlled workspace: licence details, signed agreement, product approvals, rating rules or API credentials, and named contacts for claims and complaints. Your compliance team approves each product before it can appear in results, and the record keeps who approved what and when.
No product goes live without a documented approval.
Live calls to insurer rating services where they exist, rate tables where they do not, and a comparison view that shows price, deductible, repair terms, roadside help and exclusions in plain Arabic and English. Sort order follows rules your compliance team signs off, not whoever pays the highest commission. When an insurer's service is slow or down, the result says so plainly instead of silently dropping that insurer from the list.
Customers compare on cover, not only on the cheapest line.
Payment by mada, Visa and Mastercard, Apple Pay and STC Bank, with SADAD for business buyers who settle through their bank. Insurance comparison payment integration Dammam projects need extra care because the premium may belong to the insurer from the moment it is paid, so funds routing follows your licence terms.
Premiums land where your licence says they should.
Every policy sold creates a ledger entry: gross premium, the insurer's share, your commission and any adjustment for cancellation. Monthly statements per insurer, ZATCA compliant e-invoices for your commission through Fatoora, and VAT treatment set up with your accountant rather than guessed by the developer.
Month end reconciliation takes hours, not days.
The insurer's issued policy, schedule and certificate land in the customer's account with a reminder sequence ahead of expiry. For a fleet, renewals are grouped so a transport manager reviews every vehicle due in the same month on one screen.
Renewals come back to your platform, not to a competitor.
Product explainers, cover glossaries and landing pages for Dammam, Al Khobar, Dhahran, Qatif and Jubail, written in Arabic first with English alongside. Each page answers the questions buyers in that area actually ask, such as cover for vehicles driven across the King Fahd Causeway or medical plans for rotating site crews, and the CMS lets your team update wording once compliance approves it.
Regional searches land on a page written for that buyer.
A complaints route that logs each case, assigns it to your team or the insurer and tracks response times, alongside verified buyer reviews that can only be left after a real purchase. Reviews are moderated against published rules so insurers cannot bury fair criticism.
Disputes have an owner and a deadline from day one.
A back office view of disclosure wording versions, consent records under the PDPL, quote histories and sale records, exportable when the Insurance Authority or an insurer asks how a particular policy was sold.
Audit questions answered from records, not memory.
Who this is for
Most of the Kingdom's insurers keep their head offices in Riyadh or Jeddah, so the Eastern Province market is shaped by regional branches, brokers and the businesses they serve. Industrial employers around Jubail, transport firms near the port, contractors in Dhahran and the families of a large expatriate workforce all buy cover, and each needs a different starting screen. These are the four situations we see most often.
You already place fleet motor, workforce medical and contractors' cover for Eastern Province clients by phone and email. The marketplace turns that into a portal where existing clients request and compare quotes themselves, while your account managers still handle the larger or unusual risks offline. We start with the line that brings the most repeat requests, usually fleet motor, and add others once the insurer integrations are proven. Account managers keep a view of every client request, so nothing placed online slips past the person who owns the relationship.
Start with the line your team quotes most often.
You run a comparison site nationally but your Eastern Province conversion is weak. We look at the buyer mix in the region, adjust landing pages, product order and language options, and add the multi vehicle and workforce flows that local business buyers expect, without forking your platform into a separate regional build. Shared code means a fix in one region benefits every other.
You have, or are applying for, an aggregation licence and need a platform the regulator can review. We plan the disclosure screens, consent records, insurer agreements workflow and audit console early, because those are the parts reviewers and insurers ask about before they let you sell. Customer facing polish follows once those foundations are in place.
Licensing questions are answered by your legal adviser; we build to their reading.
Firms that supply manpower, accommodation or fleet services to Eastern Province industry sometimes want to offer insurance from several providers inside their own client portal. We design that as a licensed partner arrangement with a broker or aggregator, so the insurance sale stays with the licence holder while the experience sits in your brand.
How we work together
Most Eastern Province brokers start with a fixed scope first release covering one or two lines and a small insurer panel, then move to a monthly retainer as insurers and products are added. Larger aggregators sometimes prefer a dedicated team that sits alongside their compliance and finance staff for a longer programme. Every option runs on video calls, shared boards and written release notes, because our nearest offices are in Riyadh and Dubai and in person sessions are not part of the Dammam arrangement. Each release ends with a short written review of what shipped, what insurers reported and what the conversion data suggests should come next.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
We pick the stack around your insurers' integration methods, the payment provider your licence works with and the team that will maintain the platform. Hosting inside the Kingdom and NCA aligned security controls are planned from the first sprint. Admin screens are built for the people who use them daily: compliance, finance and account managers.
01Web
02Commerce
03Data and cloud
04Marketing and tracking
It depends mostly on how many insurers you connect at launch.
The marketplace itself is a known pattern. What sets the pace is insurer integration: each company has its own rating service, testing process and sign off. A launch with one line and a small panel moves much faster than one with every line and every insurer. In discovery we rank insurers by how ready their technical teams are, launch with those, and put the rest on a written schedule. You see the schedule before design starts, and any change to it is agreed in writing.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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