The verdict in three sentences
For an insurance company licensed in the UAE, a static brochure site no longer works: policyholders expect a customer portal and online claims that run smoothly on mobile. A realistic budget sits between 150,000 and 400,000 AED (about 37,000 to 99,000 EUR), with a 4 to 6 month timeline including data protection review. Payback shows up as calls avoided at the contact centre and claims settled faster.
2026 budget, line by line
An insurer's corporate website combines a public side (brand, products, governance, financial statements) and a transactional side. These are 2026 estimates for Dubai.
| Item | Budget AED | Timeline |
|---|---|---|
| Corporate site EN/AR (25-40 pages, CMS, RTL) | 60,000 to 120,000 | 8 to 10 weeks |
| Policyholder portal (policies, certificates, renewals) | 45,000 to 100,000 | 8 to 12 weeks |
| Online claims (photos, status tracking) | 25,000 to 65,000 | 6 to 8 weeks |
| Premium payments (cards, Apple Pay, local gateways) | 12,000 to 30,000 | 4 to 6 weeks |
| Core insurance system integration (API or feed) | 20,000 to 60,000 | 6 to 10 weeks |
| Security audit and penetration testing | 12,000 to 25,000 | 2 weeks |
| Maintenance and secure hosting | 5,000 to 14,000/month | Recurring |
The most underestimated item is the core system integration, often a legacy package. Without an API, plan a nightly sync feed: simpler, but less responsive.
Compliance: what the site must include
Insurance in the UAE is supervised by the Central Bank, and the federal Personal Data Protection Law applies (DIFC entities follow the DIFC Data Protection Law). Health and claims data are sensitive and need stronger safeguards.
| Requirement | On the website | Indicative cost AED |
|---|---|---|
| Annual financial statements | Archived "Investor information" section | 5,000 to 10,000 |
| Licence number and regulator details | Footer + governance page | Included |
| Data protection assessment | Processing records for policyholder data | 8,000 to 18,000 |
| Consent and privacy policy | Forms + cookie banner | 6,000 to 12,000 |
| Encrypted storage of claim attachments | Encrypted storage, access logging | 10,000 to 22,000 |
| WCAG 2.1 AA accessibility, Arabic RTL | Contrast, keyboard navigation | 10,000 to 22,000 |
Allow 4 to 8 weeks for legal and data protection review: start it during design so it does not delay launch.
Mini case study
Khalid, CEO of a 140-employee general insurer in Dubai, receives 4,200 calls a month at the contact centre, 45 % of them about certificates or claim status. Each call costs around 18 AED (agent time and telephony).
- Chosen investment: 260,000 AED (site, portal, online claims, payments)
- Calls avoided through self-service: 4,200 × 45 % × 60 % = 1,134 calls/month
- Monthly saving: 1,134 × 18 = 20,412 AED
- Online premium collection cuts average collection time by 12 days
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The investment is recovered in about 13 months from the contact centre alone.
FAQ
How much does an insurance corporate website cost in Dubai?
Between 150,000 and 400,000 AED with a policyholder portal and online claims. A corporate site alone starts around 60,000 AED.
What timeline should we plan?
Allow 4 to 6 months, including 4 to 8 weeks of legal and data protection review run alongside design.
Do we need Arabic and English?
Yes for a consumer-facing insurer. Arabic with proper RTL layout adds roughly 20 to 30 % to front-end design cost.
Should financial statements be published online?
Regulators and partners expect it. An archived section per financial year costs 5,000 to 10,000 AED to set up.
What does maintenance cost?
Between 5,000 and 14,000 AED a month depending on SLA, 24/7 monitoring and attachment storage volume.
Let's scope your project. Tell us about your products, core system and self-service goals, and we will frame a budget between 150,000 and 400,000 AED, delivered in 4 to 6 months. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
