Services · Ecommerce development · Insurance marketplaces
Codeeo handles insurance marketplace website development Jeddah brokers and licensed aggregators use to sell cover from several insurers in one place. Shoppers compare motor, medical, travel and cargo quotes, pay online and receive the policy in their account, while insurers manage their own products and your team tracks every sale and commission. Jeddah is a port city and a trading city, so the platform is built for importers and shop owners as much as for families buying their first comprehensive motor policy.
The Red Sea coast brings its own buying patterns: cargo moving through Jeddah Islamic Port, family businesses that insure stock, staff and vans together, and residents who travel abroad often. A marketplace that only compares car insurance leaves most of that demand on the table. We design the site so each of those buyers lands on a starting point that fits them.
200+ companies servedFrom a first store to an ADX listed developer
Inside the platform
Comparison sites in the Kingdom are a regulated activity. The Rules Governing Insurance Aggregation Activities set the ground rules for how an online platform presents cover from different insurers and how it is licensed, a role now carried by the Insurance Authority. That shapes everything from the order of results to the wording beside the pay button.
Within those rules, the commercial question is simple: does a Jeddah buyer find the right cover, trust the comparison and pay without leaving? Does each insurer on your panel get clean data, prompt payment and a fair place in the results? Does your finance team know exactly what is owed to whom at month end? The components below answer those questions. We arrange them differently for each client, but most Jeddah projects start with motor and medical and add cargo, property and travel once the panel is stable.
Importers and freight forwarders enter commodity, packing, route, port of loading and insured value, and receive quotes for single shipments or annual open cover from insurers that write marine business. Certificates for each shipment are issued from the account, ready to attach to the trade documents that pass through Jeddah Islamic Port. A declaration made after a shipment has sailed is blocked unless the insurer's rules allow it.
Cargo cover arranged before the container is loaded, not after.
Owners enter the plate and identity details, choose agency or workshop repair, and see third party and comprehensive offers from every insurer on the panel, with deductibles, replacement car terms and roadside help laid out in the same columns. Results show what each policy excludes before the price, not hidden behind a link. Every quote is saved, so a buyer who leaves to check with a spouse can return to the same prices while they remain valid.
Fewer abandoned quotes from buyers unsure what they are getting.
A guided form for retailers and wholesalers in the commercial districts, from Al Balad to the warehouse zones on the city's southern edge, asks about premises, stock values, fire protection and cash handling, then routes the risk to insurers that write small commercial property. Simple risks price instantly; complex ones become referrals with every detail already captured.
Small business cover that does not require an office visit.
Clinics, schools, restaurants and trading offices enter their staff list by age, nationality and family members, choose a hospital network that covers the parts of Jeddah where their people live, and receive group medical quotes presented under identical benefit headings. Employers adding a new hire mid year can request the change from the same account rather than starting a fresh quote.
Small employers renew medical cover without a broker meeting.
Single trip and annual plans for residents travelling abroad, with destination, trip length and family members entered once and quotes returned side by side. Policies arrive as documents the traveller can show at a consulate or a hospital overseas. Pilgrim cover bundled with Umrah visas is handled by the visa process, so this flow is aimed at Jeddah residents, not visiting pilgrims.
Repeat buyers who return for every family trip.
Insurers log in to manage their own products, rate files or API settings, document templates and service contacts. Nothing they change reaches buyers until your compliance reviewer approves it, and every approval is stamped with a name and date. Suspending an insurer or a single product takes one action and is logged.
Your panel can grow without losing control of what is shown.
Insurance comparison payment integration Jeddah buyers expect covers mada cards, Visa and Mastercard, Apple Pay and STC Bank for individuals, and SADAD for companies. Funds are routed to the insurer or held according to your licence, the policy is only issued once payment clears, and failed payments return the buyer to the same quote rather than starting over. Insurers can download statements themselves instead of waiting for an email.
A checkout that matches how Jeddah customers already pay.
Each sale writes to a ledger showing premium, insurer share and commission, with cancellations and refunds reversing correctly. Insurers receive monthly statements; your commission invoices are issued through ZATCA's Fatoora requirements, and VAT is configured with your accountant. Complaint volumes per insurer feed into the panel reviews your team holds each quarter.
Finance closes the month from one report.
The marketplace does not settle claims, but it should point buyers to the right insurer contact, explain what documents each claim type needs and log complaints about the sale or the service. Each complaint has an owner, a status and a response deadline your team monitors.
Customers are not left searching for who to call.
Only buyers with a completed policy can rate an insurer, and ratings cover practical points such as claim speed and clarity of documents. Moderation rules are published, applied the same way to every insurer, and logged so they can be shown to anyone who questions a removal.
Ratings buyers believe because they cannot be bought.
Who this is for
Jeddah's insurance demand is broad. Trading families, clearing agents, clinic groups, schools and hotel operators all buy several kinds of cover, and many still do it through phone calls to a broker they have known for years. A marketplace does not replace that relationship; it removes the repetitive quoting so the broker can spend time on the clients and risks that need judgement. These four starting points cover most of what we hear from the city.
Your clients are importers, wholesalers and shop owners who have bought through you for years. We build a client portal into the marketplace so they can request cargo certificates, renew motor policies and compare medical plans for their staff without calling, while your team keeps a full view of every request and steps in when a risk needs advice.
The portal keeps loyal clients from drifting to national comparison sites.
You compare motor insurance nationally and want a stronger position in Jeddah and Makkah province. We add the product lines that matter on the coast, such as cargo and small commercial property, and build Jeddah landing pages that answer local questions in Arabic first, without splitting your codebase. Results for the region are measured separately so you can see whether the coastal lines pay their way.
Freight forwarders, clearing agents and transport firms around the port need fast certificates, annual cargo policies, fleet motor and liability cover. The marketplace becomes a working tool for their operations staff: request a certificate at midnight, download it at once, and leave the account manager to handle renewals and unusual voyages. Multi user accounts let a forwarder give each operations clerk access to certificates without exposing billing.
If your aggregation licence application is in progress, the platform's design will be reviewed alongside your business plan. We prepare disclosure screens, consent capture, insurer agreement records and audit exports in a form your compliance adviser can walk a reviewer through. The commercial features can follow once the foundations are approved.
Licensing decisions sit with the regulator and your adviser; we build to their requirements.
Working together
Most Jeddah brokers begin with a fixed scope release covering motor and one commercial line, then keep a retainer for new insurers, new products and conversion work. Aggregators with an existing platform sometimes take a dedicated team to rebuild one area, such as the ledger or the insurer workspace, without pausing the live site. Discovery, design reviews and release demos all happen over video calls with shared boards and recorded walkthroughs; our offices are in Riyadh, Dubai and Karachi. Whichever model you choose, you get one named lead who owns the plan and the written record of every decision.
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
The stack follows your insurers' integration methods, your payment provider and the people who will run the platform after launch. Hosting stays inside Saudi Arabia, and security controls are mapped to NCA guidance with your IT lead. The CMS lets your marketing team edit landing pages without touching the quote engine.
01Web
02Commerce
03Data and cloud
04Marketing and tracking
Motor cover and one line your clients already ask for.
Motor is the line every buyer understands and every insurer can price online, so it proves the comparison, payment and issuance flow quickly. We pair it with the second line that matters most to your clients, often cargo for trading firms or medical for small employers. Once those run cleanly, new lines reuse the same insurer workspace, ledger and document handling. The order of later lines is decided by what your clients request most once the site is live.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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