Services · Ecommerce development · Insurance marketplaces
Codeeo offers insurance marketplace website development Riyadh brokers, aggregators and employer platforms rely on to sell cover from many insurers through one site. Buyers request quotes, compare benefits on equal terms, pay online and download the policy; insurers manage their own listings; your team controls approval, commission and audit. Riyadh holds the Insurance Authority and many insurer head offices, so platforms launched here face close scrutiny from the start, and we design for that scrutiny rather than around it.
Part of our team of 80+ works from Riyadh, so discovery workshops, design reviews and insurer integration sessions can happen in person at your office or ours, with remote sessions for anyone joining from elsewhere. Insurer integration testing often runs best with both technical teams at one table.
200+ companies servedFrom a first store to an ADX listed developer
What we build
Riyadh's insurance buyers skew corporate. Procurement teams in the Olaya and King Fahd Road towers, HR departments at large employers, contractors bidding for government work and the city's dense healthcare sector all buy cover in volume and expect documentation that stands up to internal audit. Individual buyers are just as demanding about speed: Riyadh is a driving city, and motor renewal is the purchase most residents make online.
Online insurance comparison in Saudi Arabia is licensed under the Rules Governing Insurance Aggregation Activities, which SAMA first issued and which the Insurance Authority now applies when it licenses aggregators. We read those requirements with your compliance lead in the first workshop and turn them into product rules. The components below are the ones Riyadh projects use most, arranged so corporate and retail buyers share one insurer panel and one ledger.
An employer or its broker publishes a request with census data, current benefits, claims history where available and required networks. Invited insurers respond inside the platform by a set deadline, and the buyer sees offers laid out under identical benefit headings. Every message, clarification and revised offer is kept on the record for the procurement file. Insurers that decline to quote can give a reason, which helps the broker advise the client.
Group medical tenders run in days with a full audit trail.
A Riyadh driver enters identity and plate details once, sees renewal offers from every panel insurer and can switch provider in a few steps. Offers show agency repair, deductible, replacement car and roadside help in the same columns, and renewal reminders go out well before the policy lapses. Drivers with several vehicles in the household can keep them all under one account.
Residents renew online instead of at a branch counter.
Doctors, nurses and allied practitioners working across Riyadh's hospitals and clinics can compare medical malpractice cover from insurers that write it, upload licence details and receive the certificate their employer asks for. Clinic owners can buy for several practitioners in one order and track each expiry date. Expiry reminders go to both the practitioner and the clinic administrator.
Clinics stop chasing individual certificates by email.
Contractors bidding on Riyadh projects need contractors' all risks, liability and bonds referenced in tender files. The marketplace captures project value, duration and location, routes the request to insurers that write construction risks and stores the issued documents against each project for reuse in later bids. Repeat contractors reuse their company profile instead of filling it in again.
Tender documents ready when the bid deadline arrives.
Each insurer gets a workspace for products, rating rules or APIs, wording versions and service contacts. Your compliance team approves every product and wording change before buyers see it, and panel status, appetite and service performance are visible on one screen for head office reviews. Insurers with repeated service complaints can be paused pending review.
The panel grows without losing control of what buyers see.
Individuals sign in with Nafath where your access route allows it. Companies get accounts with named roles, so an HR officer can request medical cover, a finance officer can approve payment and a fleet manager can renew vehicles, each seeing only what their role needs. Access is removed the moment an employee leaves the buyer's company account.
Corporate buyers manage cover without sharing passwords.
Insurance comparison payment integration Riyadh buyers need covers two worlds: mada, cards, Apple Pay and STC Bank for individuals, and SADAD or bank transfer with purchase order references for companies. Payment confirmation triggers issuance, and funds route according to your licence terms. Unpaid corporate invoices are chased automatically, and cover only issues once funds clear.
Both card buyers and procurement departments can pay their way.
Premium, insurer share, commission, endorsements and cancellations are recorded per policy. Insurer statements generate monthly, commission invoices meet ZATCA's e-invoicing requirements, and VAT handling is configured with your finance team and auditor rather than assumed. Endorsements mid term, such as adding staff to a group plan, adjust the ledger automatically.
Reconciliation that survives an external audit.
Disclosure versions, ranking rules, consent records, complaints and sale histories are stored and exportable, so your compliance officer can answer an Insurance Authority enquiry or an insurer's conduct review from the system. Complaint handling times are tracked per insurer and per product line. Exports come in formats your auditors and the regulator can read without special software.
Supervisory questions answered with evidence, quickly.
Arabic first guides that explain cover types, buyer checklists and landing pages for Riyadh neighbourhoods and business sectors, managed in a CMS your marketing team edits without developer help. Structured data, fast page loads and clean URLs give the comparison pages a fair chance in search, and every product claim passes compliance review before it is published.
Organic traffic that arrives already knowing what it wants to compare.
Who this is for
The capital concentrates decision makers: insurer head offices, large brokers, corporate HR and procurement, and the regulator itself. That means projects here usually involve more stakeholders, more sign off and higher expectations for evidence. It also means we can sit in the same room as the people who decide, which shortens the loops that slow remote projects. These are the four Riyadh situations we see most. Each starts from a different problem, but all end up sharing the same panel, ledger and compliance console.
Your team runs group medical tenders for Riyadh employers through spreadsheets and email chains. We build the tender room, census templates and offer comparison into a marketplace your clients log in to, with your consultants still guiding benefit design and negotiation. The platform handles the admin; your people keep the advice. Clients see every offer and clarification in one place instead of across email threads.
We usually start with renewals, where the data already exists.
Your comparison site works, but the insurer integrations are brittle, the ledger lives in spreadsheets and compliance requests take days to answer. We rebuild in stages behind the live site, moving insurer connections, then the ledger, then the buyer screens, so customers never see a cut over weekend. Each stage is released only after the old and new systems produce matching results.
HR and payroll platforms based in Riyadh increasingly want to offer medical and motor cover to client employers. We design the insurance flows as a partnership with a licensed broker or aggregator, so the regulated sale sits with the licence holder while the buyer experience lives inside your product. Your employer clients keep one login for payroll and cover.
The licensed partner owns the regulated activity; we build to that split.
If you are preparing an aggregation licence application, reviewers will want to see how the platform presents insurers, discloses terms and records sales. We build those parts first and walk your compliance adviser through them in person, so the application describes a platform that already exists. Nothing in the build waits on a licensing decision that could change the scope.
Engagement options
A fixed scope first release suits brokers launching one or two lines with a defined insurer panel. A monthly retainer suits platforms already live that need steady insurer additions, conversion work and compliance changes. Larger aggregators and employer platforms often take a dedicated team that works alongside their own staff, part of it in Riyadh. In each case we run regular in person reviews at your office or ours and keep written decisions in a shared log. Pricing for each option follows the scope agreed in discovery, never a template figure.
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 choose the stack around your insurers' APIs, your payment provider and your in house team's skills. Hosting stays in Saudi Arabia, security controls are mapped to NCA requirements, and the integration layer is built so a new insurer can be added without touching the buyer screens. Monitoring alerts your team when an insurer's service slows or fails.
01Web
02Commerce
03Data and cloud
04Marketing and tracking
The insurer panel sets the pace more than the website does.
Screens, checkout and ledger follow a known pattern. Each insurer integration has its own testing and approval, and corporate features like a tender room add stakeholder reviews. In the first workshops we rank insurers by technical readiness, agree what launches first and write the dates into the plan. Being in Riyadh helps: joint test sessions with insurer teams are easy to arrange in person. Rate tables for insurers without an API are loaded and tested as part of the same schedule.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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