Regulators · Middle East
The United Arab Emirates And Saudi Arabia.
Two markets where the regulator prescribes the motor policy itself, and where the statutory base has changed recently enough that the instrument matters more than the summary.
Kempron does not operate in either market.
United Arab Emirates
Who Supervises What
Central Bank of the UAE
The integrated regulator for banking and insurance. It absorbed the functions of the former Insurance Authority in 2021, and now licenses and supervises insurers, brokers and related intermediaries.
Federal Decree-Law No. 6 of 2025
Regarding the Central Bank and the regulation of financial institutions, activities and insurance business. Issued 8 September 2025 and published 15 September 2025, it repealed and replaced the 2018 Central Bank law and Federal Decree-Law No. 48 of 2023 on insurance activities, consolidating banking, insurance, payments and market infrastructure into one framework. Affected entities have a transitional period to 16 September 2026. (CBUAE Rulebook; UAE Official Gazette, September 2025.)
Prescribed Motor Policy Terms
Motor insurance in the UAE is written on unified policy wordings prescribed by the regulator, with rates set within a prescribed framework, rather than on terms drafted independently by each insurer.
DIFC And ADGM
The Dubai International Financial Centre and Abu Dhabi Global Market are separate common-law jurisdictions with their own regulators, the DFSA and the FSRA, and their own data protection regimes. They do not cover domestic compulsory motor insurance.
Saudi Arabia
Who Supervises What
Insurance Authority
Established by Royal Decree in August 2023 and operating from 23 November 2023, the Insurance Authority took over supervision of the insurance sector from the Saudi Central Bank. It licenses insurers and sets the sector's regulatory framework.
Saudi Central Bank
The former insurance supervisor, which issued the Unified Compulsory Motor Insurance Policy and much of the regulation still in force. It retains responsibility for banking and payments.
Unified Compulsory Motor Insurance Policy
The prescribed wording for compulsory third-party motor cover. Amendments published in January 2023 addressed claim settlement procedure and gave a third party the option to choose between direct cash compensation and repair of the damaged vehicle. (Saudi Central Bank, January 2023.)
Najm For Insurance Services
Founded in 2007, Najm 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, issuing the official report within 24 hours. (Najm for Insurance Services.) It is a market institution, not a regulator.
Saudi Data And AI Authority
Administers the Personal Data Protection Law, which governs the processing of personal data in the Kingdom and includes restrictions on transfers outside it.
On Accuracy. These pages name real bodies and real instruments. They are summaries for orientation, not legal advice, and not a substitute for the instruments themselves. Regulators and supervised firms who find an error here are invited to write to info@kempron.io; it will be corrected.
Jurisdictions that could not be sourced to this standard are not listed.
Markets Not Covered
- China. Excluded.
- India. A significant market with a distinctive structure, including the Motor Accident Claims Tribunals and centrally set third-party rates. It is not covered here because it could not be sourced to the standard applied to the other jurisdictions on this site.
- Hong Kong. Supervised by the Insurance Authority, with a Motor Insurers' Bureau for uninsured and untraced drivers. Not covered separately.