Services · Ecommerce development · Insurance marketplaces
Codeeo provides insurance marketplace website development Saudi Arabia brokers and licensed aggregators can run nationally: one platform where buyers in any city compare cover from a panel of insurers, verify their identity, pay through local payment methods and receive the policy at once. Behind the buyer screens sit the insurer workspaces, the commission ledger, ZATCA compliant invoicing and the records a regulator expects. We plan all of it around Saudi insurance regulation and data protection law from the first conversation.
A national marketplace has to work for a commuter renewing motor cover in Riyadh, an importer in Jeddah, a contractor in the Eastern Province and a family in Abha, on the same insurer panel and the same rules. That makes it an architecture problem long before it becomes a question of colours and layouts.
200+ companies servedFrom a first store to an ADX listed developer
Platform capabilities
The comparison table is the part buyers see. Most of the work sits beneath it. Online aggregation of insurance in the Kingdom is licensed under the Rules Governing Insurance Aggregation Activities, first issued by SAMA and now applied by the Insurance Authority, which took over supervision of the insurance sector. Health cover carries its own rules from the Council of Health Insurance, and motor cover connects to the national accident reporting run by Najm. Data protection falls under the PDPL and SDAIA, cybersecurity under NCA controls, invoicing under ZATCA, and online selling under the Ministry of Commerce's e-commerce law.
A national platform has to satisfy all of that while staying fast and simple for the buyer. Each component below is designed so the rules are enforced by the system rather than by staff remembering them, and so the same platform can open in a new city without a separate build.
Motor cover is compulsory for every vehicle on Saudi roads, which makes it the line most buyers compare online. The flow takes identity and vehicle details once, returns third party and comprehensive offers from the panel, and explains repair type, deductible and extras in plain Arabic and English, so price is weighed against cover rather than read alone. Renewal reminders start well ahead of expiry so buyers are never uninsured on the road.
The highest volume line works flawlessly from launch.
Private sector employers must provide health cover for their staff, and many residents buy cover for family members. Group and individual flows collect what insurers need, present plans under the same benefit headings and respect the rules health insurance carries. We confirm with your compliance team which body administers each requirement at the time of build. Census uploads accept the spreadsheets HR teams already keep.
Medical plans compared on benefits, not marketing names.
One integration layer connects every insurer on the panel, whether it offers modern rating APIs, older web services or rate tables your team maintains. Adding an insurer means configuring a connector, not rebuilding buyer screens, and each connector is monitored so a slow insurer is flagged instead of silently disappearing from results. Response times per insurer are reported so slow connectors can be fixed with the insurer.
The panel expands without slowing every release.
Buyers sign in with Nafath through the access route your licence and identity provider permit, giving insurers a verified customer behind each policy and sparing buyers repeated typing. A fallback route remains for buyers who cannot use it, and company accounts carry named users with separate roles. Consent for sharing data with each chosen insurer is recorded at the same moment.
Verified customers and shorter quote forms.
Insurance comparison payment integration Saudi Arabia wide means mada, Visa and Mastercard, Apple Pay and STC Bank for individuals, and SADAD or bank transfer for companies, all under the payment rules SAMA sets for providers. Tabby and Tamara can be offered per product only where insurers and your compliance team agree. Failed payments return the buyer to the same quote rather than a fresh form.
Every buyer can pay with the method they already use.
Each policy records premium, insurer share, commission, endorsements and cancellations. Insurer statements and settlement runs are generated on your schedule, commission invoices meet ZATCA's e-invoicing requirements through Fatoora, and VAT is configured with your finance team and auditor. Statements can be downloaded by insurers directly from their workspace.
Settlement with every insurer from one source of truth.
Insurers join through a structured onboarding: licence and agreement records, approved products, wording files, service contacts and technical credentials. Each product passes your compliance review before it can appear in results, and every later change to rates, wording or eligibility goes through the same approval with a name and date attached. Suspending an insurer nationally or in one region takes a single, logged action.
A panel that grows under control, insurer by insurer.
Ranking rules, disclosure wording and comparison columns are versioned and approved by compliance before they change. The platform can show exactly what any buyer saw on any date, which is the evidence an insurer or the Insurance Authority asks for when it reviews how a policy was sold. Compliance can preview any change in a staging copy before approving it.
Conduct questions answered with records.
The marketplace does not handle claims, but it explains each insurer's claim steps, the documents needed and, for motor, how a Najm or police accident report fits in. Complaints about the sale are logged, assigned and tracked to a deadline, with trends reported per insurer. Complaint data feeds the panel reviews your team holds with each insurer.
Buyers know what to do after an accident or illness.
City and regional landing pages for Riyadh, Jeddah, Makkah, Madinah, Dammam, Al Khobar, Abha and Tabuk, each written for the buyers there and managed in a CMS. Analytics split by region show where conversion lags, so the next round of content or product changes targets the right market. New regions inherit the national rules automatically, so compliance never forks.
One platform that reads as local in every region.
Who this is for
Saudi insurance is sold through insurers' own channels, brokers, agents and licensed aggregators, and buyers increasingly expect to compare online before they commit. Head offices cluster in Riyadh, with others in Jeddah and the Eastern Province, while demand spreads across every region. National marketplace projects tend to come from one of four directions, each with a different first release. The platform underneath is the same; what changes is where we begin and which lines launch first.
You place business for clients in several cities through account managers and regional branches. We build a marketplace that lets those clients request, compare and renew cover themselves, routes complex risks to the right branch and keeps every account manager informed. Retail and commercial lines share one insurer panel and one ledger. Branch managers see their region's sales and renewals on a dashboard.
Branch teams keep their clients; the platform takes the admin.
Your comparison site does well on motor but struggles to add medical, travel or property. We restructure the platform so new lines reuse the same insurer layer, ledger and governance, then add them in the order your data supports, with region specific landing pages for each. Existing traffic keeps converting on motor while the new lines are tested.
Reviewers and insurers want to see how your platform will present cover, disclose terms, protect data and record sales. We build those foundations first, document them clearly and support your compliance adviser in showing them, before the commercial features that follow. The documentation also helps when insurers run their own due diligence on your platform.
Licensing decisions sit with the regulator; we build to your adviser's reading.
Fintech apps, employer platforms and car marketplaces sometimes want to offer insurance comparison to their users. We design the arrangement so the regulated activity stays with a licensed broker or aggregator while the experience sits inside the partner's product, with clear data sharing and consent. Partners receive clear reporting on referrals and conversions.
How we engage
A fixed scope first release suits a new or narrow platform launching one or two lines with a defined panel. A retainer suits live platforms adding insurers, lines and regions month by month. A dedicated team suits large brokers and aggregators with long programmes and their own product owners. Part of our team of 80+ works in Riyadh, where in person workshops are available; clients elsewhere in the Kingdom work with us by video call, with the same written plans and release notes. Every model includes one named lead who owns the plan and reports progress against it.
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 is chosen around your insurers' integration methods, your payment provider, your accounting system and the team who will maintain the platform. Data is hosted in Saudi Arabia, and security is mapped to NCA controls with your IT and risk leads. Your marketing team edits content in the CMS without touching quote logic.
01Web
02Commerce
03Data and cloud
04Marketing and tracking
Insurer integrations, payments, a ledger and regulatory records.
The buyer facing site is perhaps a third of the work. The rest is connecting each insurer's pricing and issuance, taking payment correctly, recording premium and commission for settlement and invoicing, and keeping the evidence the aggregation rules and data protection law require. Those parts decide whether the platform can scale nationally and pass scrutiny from insurers and the regulator. We scope those foundations first and add buyer facing polish once money and records flow correctly.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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