Global Markets · Middle East
The United Arab Emirates And Saudi Arabia.
Two markets where the regulator sets the motor policy wording centrally, and one of them has built a national body to attend the accident and decide who was at fault.
Scope. Kempron Inc. is headquartered in Mississauga, Ontario. It has no other offices, and no customers or operations outside Canada and the United States. The markets described in this section are the industry's, not Kempron's. Naming a market here is not a claim to operate in it.
United Arab Emirates
Centrally Prescribed Policy Terms
Insurance supervision in the UAE sits with the Central Bank of the UAE, which absorbed the functions of the former Insurance Authority in 2021. Motor policy wordings are prescribed centrally: the terms of a UAE motor policy are largely set by the regulator rather than drafted by each insurer, and rates are set within a prescribed framework.
The statutory base was consolidated in 2025. Federal Decree-Law No. 6 of 2025, regarding the Central Bank and the regulation of financial institutions, activities and insurance business, was issued on 8 September 2025 and published on 15 September 2025. It repealed and replaced both the 2018 Central Bank law and Federal Decree-Law No. 48 of 2023 on insurance activities, with a transitional period for affected entities running to 16 September 2026. (Central Bank of the UAE Rulebook; UAE Official Gazette, September 2025.)
Two consequences follow for anyone building process into this market. Where the policy wording is uniform, the variation between insurers sits almost entirely in how a claim is handled rather than in what is covered. And a statutory framework that was replaced wholesale within two years is a reminder to check the instrument rather than the summary. The Emirati framework is set out here.
Saudi Arabia
A National Body That Attends The Accident
Saudi Arabia has nationalised the part of the claims process that every other market on this site leaves to the parties.
Najm for Insurance Services, founded in 2007, is the unified motor accident reporting and assessment body for the Saudi market. It attends accidents, documents them, assesses damage and apportions fault on behalf of insurers. Drivers report through its app, which supports scene photographs and status tracking, and the official report is issued within 24 hours. (Najm for Insurance Services, company description of its own role.) Saudi insurers base claim decisions on Najm's fault determinations.
This is the clearest illustration in any market of what The Claims Problem describes. Where the facts of the event are captured once, at the scene, by a party with no interest in the outcome, the downstream argument about causation largely disappears. Saudi Arabia reached that arrangement through a market-wide institution rather than through technology, but the underlying insight is the same.
Compulsory third-party motor cover operates under the Unified Compulsory Motor Insurance Policy, whose terms are set by the regulator. Amendments published in January 2023 included an option for a third party to choose between direct cash compensation and repair of the damaged vehicle. (Saudi Central Bank, Unified Compulsory Motor Insurance Policy update, January 2023.) The Saudi framework is set out here.