The Best Insurance Companies in the UAE

The best insurance companies in the UAE provide financial protection for healthcare expenses, vehicle accidents, travel emergencies, property damage, business interruption, liability claims, and the loss of family income.

The country has a large and diverse insurance sector comprising locally incorporated insurers, foreign insurance branches, specialist health insurers, life-insurance providers, reinsurers, and Sharia-compliant takaful companies.

However, the best insurer for one customer may not be appropriate for another. A company specializing in health insurance cannot be compared directly with a life insurer, while a commercial insurer serving major infrastructure projects may not provide the simplest policy for an individual driver.

Customers should therefore compare insurers according to the specific type of protection they need, the policy wording, exclusions, provider or repair networks, claims service, financial strength, deductibles, and total premium.

The Central Bank of the UAE’s June 2026 register identifies licensed insurance companies and related professions operating in the country. Customers should check this register before purchasing a policy, particularly when dealing with an unfamiliar insurer, broker, or online platform.

This guide compares 10 prominent insurance providers available in the UAE. It is an independent editorial guide rather than an official government ranking or a personalized insurance recommendation.

How Insurance Companies Are Regulated in the UAE

The Central Bank of the UAE regulates and supervises insurance companies, foreign insurance branches, takaful providers, brokers, agents, and several other insurance-related professions.

The regulator registers UAE-incorporated insurance companies and licenses them to conduct insurance business. Foreign insurance companies can apply to operate through an authorized branch or insurance agent.

Licensed insurers must comply with regulatory requirements covering matters such as:

• Capital and solvency
• Corporate governance
• Risk management
• Financial reporting
• Customer protection
• Anti-money-laundering controls
• Complaints management
• Insurance intermediaries
• Policy administration
• Claims handling

The Central Bank’s insurance guidelines are intended to establish minimum operating-quality standards and support the stability of the sector.

Conventional Insurance and Takaful

The UAE offers both conventional insurance and takaful.

Takaful is a Sharia-compliant cooperative protection model in which participants contribute to a shared fund used to pay eligible claims. Licensed takaful companies must follow Central Bank rules and the applicable standards issued by the Higher Sharia Authority.

Customers should compare the actual benefits, exclusions, contribution or premium, claims process, and deductibles rather than choosing solely on the conventional or takaful label.

How We Selected the Best Insurance Companies

The insurers were assessed using the current Central Bank register, official company information, policy availability, product breadth, digital services, and specialization.

Selection Criteria

The main considerations included:

• Current UAE licensing
• Range of insurance products
• Health-insurance capabilities
• Motor-insurance options
• Life and critical-illness protection
• Travel insurance
• Home and property insurance
• Commercial and SME coverage
• Takaful availability
• Digital quotations and policy management
• Claims-reporting channels
• Geographic and medical networks
• Operating history
• Suitability for clearly defined customer needs

The order does not mean that the first company will provide the lowest premium or best policy for every applicant.

Top 10 Best Insurance Companies in the UAE

1. Sukoon Insurance

Headquarters: Dubai

Type: Conventional multi-line insurer

Best for: Customers seeking a broad selection of personal and commercial insurance products

Sukoon Insurance, formerly known as Oman Insurance Company, is one of the UAE’s most established multi-line insurers.

The company says it has operated for 50 years and provides personal and business insurance across several categories. Its UAE operations are regulated by the Central Bank under insurance licence number 9.

Sukoon offers insurance for:

• Motor vehicles
• Health
• Life
• Travel
• Homes
• Yachts and personal watercraft
• Personal accidents
• Businesses
• Employee benefits
• Property and liability risks

Why Choose Sukoon Insurance?

Sukoon may suit customers who prefer to obtain several types of cover from one established insurer.

Its potential advantages include:

• Online motor quotations
• Comprehensive and third-party vehicle insurance
• Individual and family medical plans
• Dubai Essential Benefits Plan options
• Life insurance
• Travel insurance
• Homeowners’ and tenants’ cover
• Digital claims services
• Mobile policy management
• Commercial and employee-benefit products

The company says its motor portfolio protects more than 350,000 drivers in the UAE.

Its MySukoon application allows customers to manage selected health and motor policies, while its motor-claims process provides digital reporting and claim-status updates.

What to Consider

Policy terms vary significantly across product categories.

Motor customers should verify:

• Agency or non-agency repairs
• Roadside assistance
• Oman coverage
• Off-road protection
• Natural-disaster coverage
• Excess amounts
• Replacement-car benefits
• Driver-age restrictions

Health customers should compare the hospital network, annual limit, co-payments, geographic coverage, maternity benefits, pre-existing-condition rules, and prior-authorization requirements.

2. Abu Dhabi National Insurance Company

Headquarters: Abu Dhabi

Type: Conventional multi-line insurer

Best for: Motor, health, travel, corporate, engineering, and major commercial risks

Abu Dhabi National Insurance Company, commonly known as ADNIC, is a major UAE insurer serving individuals, SMEs, large companies, and government-related organizations.

ADNIC describes itself as a regional multi-line insurance provider with services available across Abu Dhabi, Dubai, Sharjah, and the wider UAE.

Its product range includes:

• Motor insurance
• Medical insurance
• Travel insurance
• Home protection
• Personal watercraft insurance
• Corporate property insurance
• Engineering cover
• Marine insurance
• Aviation insurance
• Liability insurance
• Fleet insurance
• Employee benefits

Why Choose ADNIC?

ADNIC may be particularly suitable for customers seeking an insurer with strong personal and corporate capabilities.

Its strengths include:

• Comprehensive and third-party motor plans
• Agency-repair options
• Tiered health-insurance plans
• Local and international medical coverage
• Visitor medical insurance
• Travel protection
• Fleet insurance
• Commercial property coverage
• Risk-engineering services
• Corporate claims support

ADNIC’s SHIFA health plans provide tier-based local and international coverage, including options covering hospitalization, outpatient treatment, and medical evacuation.

Its HALA policy is designed for visitors holding valid UAE visit visas and provides emergency medical protection of up to AED150,000, subject to the policy’s terms.

What to Consider

Commercial policies can be highly customized, making direct price comparisons difficult.

Businesses should examine:

• Sum insured
• Business-interruption period
• Liability limits
• Deductibles
• Territorial limits
• Excluded activities
• Cyber coverage
• Employee classifications
• Claims-notification deadlines

Motor customers should confirm whether the quotation includes agency repairs and how long that benefit remains available as the vehicle ages.

3. Orient Insurance

Headquarters: Dubai

Type: Conventional multi-line insurer

Best for: Individuals and businesses seeking broad general-insurance coverage

Orient Insurance is part of the Al-Futtaim Group and has operated in the UAE insurance market for more than four decades.

The company was established in 1982 and provides personal and commercial insurance. It is supervised by the Central Bank and, as a listed company, is also subject to applicable capital-market requirements.

Its personal-insurance range includes:

• Motor insurance
• Medical insurance
• Travel insurance
• Home insurance
• Personal accident cover
• Gap insurance
• Liability insurance

Commercial offerings cover risks associated with employees, vehicles, property, projects, and business operations.

Why Choose Orient Insurance?

Orient may suit customers who value:

• Broad personal-insurance options
• Individual medical insurance
• Worldwide health-cover options
• Motor insurance
• Home and travel protection
• Commercial insurance
• UAE market experience
• Al-Futtaim group affiliation

Its individual medical products can include inpatient, outpatient, regional, worldwide, repatriation, and emergency-evacuation benefits, depending on the selected plan.

What to Consider

Medical policies often contain network and geographic restrictions.

Customers should confirm:

• Whether treatment outside the network is covered
• Reimbursement percentages
• Pharmacy limits
• Maternity waiting periods
• Chronic-condition benefits
• Dental and optical coverage
• Home-country treatment
• Emergency evacuation
• Pre-authorization rules

The insurer’s general reputation should not replace a detailed review of the exact policy schedule and wording.

4. GIG Gulf

Regional headquarters: Dubai

Type: Conventional multi-line insurer

Best for: Digital motor, health, home, travel, and SME insurance

GIG Gulf is a regional insurance company offering personal and commercial coverage in the UAE and other Gulf markets.

Its UAE personal products include car, health, home, and travel insurance. The company is also a licensed participating insurer under the Dubai Health Authority’s health-insurance framework.

Its business portfolio includes:

• Group healthcare
• Business travel
• Group personal accident
• Workers’ compensation
• Liability insurance
• Marine cargo
• Motor fleets
• Property
• Engineering
• Cyber insurance
• Commercial-crime protection

Why Choose GIG Gulf?

GIG Gulf may suit customers looking for online purchasing and policy-management tools.

Potential advantages include:

• Online motor quotations
• Digital travel-insurance purchase
• Health-insurance plans
• MyGIG policy portal
• Multilingual customer support
• Home insurance
• SME protection packages
• Cyber insurance
• Fleet coverage
• Group employee benefits

The MyGIG platform allows customers to access selected health and motor policy information online.

Its business products cover employees, assets, legal liabilities, property, cargo, vehicle fleets, and cyber-related risks.

What to Consider

Customers should not assume that purchasing online means every claim will be processed automatically.

Claims may require:

• Police or official reports
• Medical records
• Original invoices
• Proof of ownership
• Travel documentation
• Repair estimates
• Prior authorization
• Timely notification

Travel customers should review trip-cancellation reasons, medical exclusions, maximum trip duration, adventure-sport restrictions, baggage sublimits, and whether the plan satisfies Schengen visa requirements.

5. National Health Insurance Company – Daman

Headquarters: Abu Dhabi

Type: Specialist health insurer

Best for: Individual, family, employee, Abu Dhabi, and Golden Visa health insurance

The National Health Insurance Company – Daman is one of the UAE’s largest specialist health insurers.

Daman is a subsidiary of PureHealth and says it provides health-insurance services to more than three million members in the UAE. It was established in 2005 and began operating in 2006 as the country’s first dedicated health insurer.

Its products include:

• Abu Dhabi Basic plans
• Individual health insurance
• Family medical insurance
• Golden Visa health plans
• Visitor medical cover
• Small-business health insurance
• Large-group employee plans
• Government health programs

Why Choose Daman?

Daman is especially relevant to residents and employers in Abu Dhabi.

Its individual and family plans can provide:

• Inpatient care
• Outpatient treatment
• Maternity benefits
• Emergency services
• Optional worldwide coverage
• International medical assistance
• Second medical opinions
• Access to more than 3,000 healthcare providers

Daman also offers small-group cover for businesses with between one and 10 employees and their dependants, including free-zone businesses, freelancers, and consulting firms.

What to Consider

Daman is primarily a health insurer rather than a general provider of motor, home, or travel-departure insurance.

Customers should compare:

• Hospital and clinic network
• Geographic scope
• Co-payments
• Pharmacy benefits
• Annual limits
• Maternity coverage
• Dental and optical benefits
• Chronic and pre-existing conditions
• Reimbursement outside the network
• Emergency treatment outside Abu Dhabi

The least expensive health plan may have a more restricted network or higher out-of-pocket costs.

6. Zurich Middle East

UAE office: Dubai

Type: Foreign life-insurance branch

Best for: Life insurance, critical-illness protection, savings, and employee benefits

Zurich Middle East specializes in life insurance, long-term savings, and workplace protection.

The insurer says it has served the region for more than 40 years, supporting customers in the UAE, Bahrain, and Qatar.

Its UAE solutions include:

• Term life insurance
• Whole-of-life protection
• Critical-illness cover
• Education savings
• Wealth-accumulation plans
• Regular savings
• International investment-linked products
• Group life insurance
• Corporate savings programs

Why Choose Zurich Middle East?

Zurich may suit individuals seeking long-term family-income protection rather than general motor or property insurance.

Its advantages include:

• Term assurance
• Critical-illness lump-sum benefits
• Joint-life options
• Fixed or decreasing cover
• Savings products
• Workplace protection
• Financial-adviser access
• International insurance-group backing

Zurich states that it paid 97% of life-insurance claims included in its 2026 Value of Life reporting, with non-payment primarily linked to non-disclosure or fraud.

What to Consider

Life and savings policies should be evaluated separately.

Pure term life insurance primarily provides protection for a defined period. Investment-linked or savings products can include:

• Policy charges
• Investment risk
• Surrender penalties
• Adviser remuneration
• Fund-management fees
• Currency exposure
• Long commitment periods

Customers should request a personalized illustration showing the guaranteed and non-guaranteed values, all charges, surrender value, and the effect of stopping payments early.

7. MetLife UAE

UAE headquarters: Dubai

Type: Foreign life and health insurer

Best for: Life, medical, accident, critical-illness, and employee-benefit insurance

MetLife operates in the UAE through American Life Insurance Company, a branch of a foreign insurance company registered with the Central Bank under registration number 34.

The company serves individuals and employers across life, medical, accident, disability, savings, and workplace benefits.

Its products include:

• Life insurance
• Individual medical insurance
• Accident insurance
• Critical-illness cover
• Hospitalization benefits
• Disability protection
• Education and savings solutions
• Group medical insurance
• Group life insurance
• Employee benefits

Why Choose MetLife?

MetLife may suit customers seeking protection across several personal-risk categories.

Its potential advantages include:

• Individual life insurance
• Family-income protection
• Medical insurance
• Accident and disability cover
• Critical-illness benefits
• Employer-sponsored insurance
• Digital policy access
• Regional service network

MetLife’s individual medical products can include inpatient and outpatient treatment, maternity, diagnostic services, prescriptions, and major-illness protection, depending on the policy selected.

Its accident and health products can provide lump-sum or scheduled benefits for critical illness, disability, hospitalization, and accidental injuries.

What to Consider

Supplementary accident or critical-illness policies are not substitutes for comprehensive medical insurance.

A fixed-benefit policy may pay an agreed amount after a qualifying event, while medical insurance reimburses or directly covers eligible treatment costs.

Customers should check:

• Covered illnesses
• Survival periods
• Waiting periods
• Disability definitions
• Benefit limits
• Occupational exclusions
• Policy-renewal terms
• Medical underwriting
• Non-disclosure consequences

8. Watania Takaful

Headquarters: Abu Dhabi, with UAE-wide operations

Type: Sharia-compliant takaful provider

Best for: Customers seeking Islamic motor, health, travel, family, and commercial protection

Watania Takaful provides Sharia-compliant protection for individuals, families, and businesses.

Its product range includes:

• Motor takaful
• Medical takaful
• Travel takaful
• Home takaful
• Family takaful
• Fleet protection
• Property coverage
• Engineering takaful
• Marine takaful
• Liability cover
• Office insurance

Why Choose Watania Takaful?

Watania may suit customers who prefer a cooperative Islamic-insurance structure.

Its potential strengths include:

• Comprehensive and third-party motor takaful
• Travel protection
• Medical and family products
• Business property cover
• Fleet takaful
• Public liability
• Product liability
• Employer’s liability
• Professional indemnity
• Marine and engineering cover

Its motor range includes both comprehensive and third-party takaful policies, while its travel products cover eligible medical emergencies, trip interruptions, and lost belongings.

What to Consider

Takaful products still contain exclusions, deductibles, limits, and eligibility rules.

Business customers should determine whether a policy covers:

• Legal defence expenses
• Compensation awards
• Employee injuries
• Professional mistakes
• Product-related harm
• Damage to rented premises
• Activities performed outside the UAE
• Subcontractors
• Cyber incidents

The takaful contribution should be compared using the same coverage limits and deductibles as conventional quotations.

9. Abu Dhabi National Takaful Company

Headquarters: Abu Dhabi

Type: Sharia-compliant takaful provider

Best for: Individuals and businesses seeking established takaful coverage

Abu Dhabi National Takaful Company, widely known as Takaful, offers Sharia-compliant protection to individuals, families, and businesses across the UAE.

Its services cover personal and commercial risks, including motor, medical, property, and business-related protection.

Why Choose Abu Dhabi National Takaful?

The company may appeal to customers seeking:

• Islamic insurance principles
• Motor takaful
• Medical coverage
• Property protection
• Commercial takaful
• Marine insurance
• Engineering coverage
• Liability protection
• Family-related solutions
• Abu Dhabi-based support

Its corporate services can be relevant to businesses that prefer Sharia-compliant risk management while requiring protection comparable with conventional commercial insurance.

What to Consider

Customers should verify whether the policy is issued directly by the takaful company or arranged through a broker.

They should also review:

• Participant fund structure
• Policy surplus provisions
• Claims procedure
• Deductibles
• Repair network
• Medical network
• Geographical limits
• Sharia certification
• Cancellation and refund rules

10. Takaful Emarat

Headquarters: Dubai

Type: Sharia-compliant takaful provider

Best for: Medical, life, savings, family, and employee-benefit protection

Takaful Emarat is a UAE-based provider of Sharia-compliant medical, life, savings, and protection products for individuals, families, and businesses.

The company says it has served the UAE market since 2008.

Its areas of focus include:

• Individual medical takaful
• Family protection
• Life takaful
• Savings-linked plans
• Group medical coverage
• Group life protection
• Employee benefits
• Corporate protection products

Why Choose Takaful Emarat?

Takaful Emarat may suit customers seeking Islamic medical and family-protection products.

Potential advantages include:

• Sharia-compliant life protection
• Health-insurance options
• Family plans
• Savings solutions
• Employer-sponsored cover
• UAE-based customer support
• Individual and corporate services

What to Consider

Savings-linked takaful requires particularly careful review.

Customers should request written details of:

• Contribution allocation
• Protection charges
• Administration fees
• Investment funds
• Surrender value
• Early-exit penalties
• Non-guaranteed projections
• Policy duration
• Missed-contribution rules
• Beneficiary nomination

A long-term savings policy should not be purchased solely because an illustration displays attractive future values.

Insurance Companies Compared by Customer Need

Product availability, acceptance criteria, and pricing can change. The table identifies areas of specialization rather than guaranteeing that every customer will qualify.

How to Choose the Right Insurance Company

Identify the Type of Insurance Required

Start by defining the risk that needs protection.

Common insurance categories include:

• Health
• Motor
• Life
• Travel
• Home
• Personal accident
• Critical illness
• Business property
• Professional indemnity
• Public liability
• Workers’ compensation
• Cyber insurance
• Marine cargo
• Engineering insurance

Purchasing a policy that does not match the actual risk can leave serious coverage gaps.

Verify the Insurer’s Licence

Check the insurer’s full legal name in the latest Central Bank register.

The brand name displayed on a website may differ from the legal entity issuing the policy.

The Central Bank regulates insurance companies and maintains licensing information for insurers and insurance-related professions.

Distinguish Insurers From Brokers

An insurance company underwrites the risk and pays eligible claims.

A broker compares or arranges policies from insurers but does not normally underwrite the insurance itself.

Customers should know:

• Who the broker is
• Which insurer issues the policy
• Who handles claims
• Where premiums are paid
• Whether the broker is licensed

Insurance brokers are subject to separate Central Bank rules covering licensing, customer duties, governance, and financial soundness.

Compare Coverage Before Premium

The cheapest quotation may provide substantially less protection.

Compare:

• Sum insured
• Annual limit
• Deductible or excess
• Co-payment
• Geographic coverage
• Provider or repair network
• Policy exclusions
• Sub-limits
• Waiting periods
• Claims documentation
• Renewal conditions

Quotations should be based on equivalent benefits before prices are compared.

Read the Policy Wording

The policy schedule summarizes the customer’s cover, but the policy wording contains the full contractual terms.

Review definitions for important terms such as:

• Accident
• Pre-existing condition
• Emergency
• Total loss
• Market value
• Critical illness
• Permanent disability
• Business interruption
• Insured event
• Reasonable and customary charges

A claim can be declined when an event falls outside the policy’s definitions or exclusions.

Examine the Claims Process

Before buying, determine:

• How claims are reported
• Which documents are required
• Whether approval is needed
• How quickly incidents must be reported
• Whether repairs are cashless
• Whether medical treatment is direct billing
• Whether reimbursement is available
• How complaints are escalated
• Whether claims can be tracked digitally

A low premium may offer poor value when the repair, medical, or claims network is too limited.

Disclose Information Accurately

Customers should provide complete and accurate information during the application.

Relevant details can include:

• Previous claims
• Medical history
• Existing conditions
• Vehicle modifications
• Commercial vehicle use
• Business activities
• Employee occupations
• Travel destinations
• Property use
• Security arrangements

Failure to disclose material facts can affect claim eligibility.

Compare Medical Networks

Health-insurance customers should not evaluate a plan solely by its annual limit.

Check whether preferred:

• Hospitals
• Clinics
• Pharmacies
• Specialists
• Diagnostic centers
• Maternity hospitals

are included in the network.

A large network is useful only when it includes suitable providers near the customer’s home or workplace.

Understand Motor-Insurance Repairs

Motor policies may provide:

• Agency repairs
• Approved-garage repairs
• Comprehensive cover
• Third-party liability
• Roadside assistance
• Replacement vehicle
• Natural-disaster protection
• GCC or Oman extensions
• Personal-accident benefits

Agency repair is generally more expensive and may be restricted according to vehicle age.

Review Life-Insurance Illustrations

Life-insurance customers should distinguish between:

• Term life insurance
• Whole-of-life protection
• Critical-illness insurance
• Investment-linked insurance
• Education savings
• Retirement savings

Where investment values are shown, ask which figures are guaranteed and which depend on future market performance.

Frequently Asked Questions

What Is the Best Insurance Company in the UAE?

There is no single best insurer for every customer.

Sukoon, ADNIC, Orient, and GIG Gulf offer broad personal and commercial insurance portfolios. Daman specializes in health insurance, while Zurich and MetLife are strong options for life and long-term protection. Watania, Abu Dhabi National Takaful, and Takaful Emarat provide Sharia-compliant alternatives.

Which Is the Best Health Insurance Company in the UAE?

Daman is one of the country’s largest specialist health insurers and serves more than three million members. Sukoon, ADNIC, GIG Gulf, Orient, and MetLife also offer medical-insurance options.

The best plan depends on the hospital network, annual limit, co-payments, maternity benefits, pre-existing-condition coverage, and geographic scope.

Which Insurance Company Is Best for Cars?

Sukoon, ADNIC, Orient, GIG Gulf, and several takaful providers offer comprehensive and third-party motor cover.

Drivers should compare agency repairs, excess, roadside assistance, replacement-vehicle cover, natural-disaster protection, and repair networks.

Which Insurance Company Is Best for Life Insurance?

Zurich and MetLife specialize in life and long-term protection, while Sukoon also provides life-insurance products.

Zurich offers term, critical-illness, savings, and workplace solutions, while MetLife provides life, accident, disability, health, and employee-benefit products.

Which Companies Offer Takaful in the UAE?

Licensed takaful providers include companies such as Watania Takaful, Abu Dhabi National Takaful, Takaful Emarat, and other providers listed by the Central Bank.

Is Health Insurance Mandatory in the UAE?

Health-insurance obligations depend on the emirate, residency category, employer relationship, and applicable health-authority rules.

Employers and residents should confirm current requirements with the relevant UAE authority because mandatory coverage rules can differ between Abu Dhabi, Dubai, and other emirates.

Is Car Insurance Mandatory in the UAE?

Yes. A vehicle must have valid motor insurance to be registered and legally driven in the UAE.

Third-party liability is the minimum form of cover, while comprehensive insurance also protects the insured vehicle against eligible accidental damage and other listed risks.

What Is the Difference Between Comprehensive and Third-Party Motor Insurance?

Third-party insurance covers the policyholder’s legal liability for eligible injury or damage caused to others.

Comprehensive insurance generally includes third-party liability and eligible accidental damage to the insured vehicle, subject to exclusions, excesses, and policy limits.

Can an Insurance Company Reject a Claim?

A claim may be rejected when:

• The event is excluded
• The policy expired
• Information was not disclosed
• The claim was reported too late
• Required documents were not submitted
• The loss falls below the deductible
• The policy conditions were breached
• The event does not meet a defined benefit

Customers can request a written explanation and use the insurer’s complaints process before escalating the matter through the appropriate regulatory channel.

Should I Buy Insurance Directly or Through a Broker?

Direct purchase can be convenient for standard motor, travel, home, or health products.

A licensed broker may be useful when comparing complex medical, life, business, marine, cyber, engineering, or liability insurance.

The customer should verify both the broker and the insurer.

What to Watch Next

The UAE insurance industry is becoming increasingly digital.

Leading insurers now provide:

• Instant online quotations
• Electronic policy issuance
• Digital medical cards
• Mobile claims reporting
• Virtual medical consultations
• Automated repair approvals
• Online reimbursement tracking
• Data-driven risk assessment
• Personalized insurance products

Open-finance regulation is also creating a framework for customers to authorize secure data sharing between participating financial institutions, which could eventually support more personalized insurance and financial products.

At the same time, customers should remain alert to impersonation scams, fake brokers, misleading online advertisements, and policies sold without a clear explanation of exclusions.

The best insurance company is ultimately the licensed provider offering the right protection, a suitable service network, clear policy terms, reliable claims support, and an affordable premium—not simply the insurer advertising the cheapest quotation.

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