Insurance providers and claims service firms operating in the UAE are being urged to conduct a thorough review of their internal procedures ahead of a critical September 2026 compliance deadline. Following the introduction of the Central Bank’s consolidated supervisory framework, companies must now ensure their claims-handling documentation—ranging from repair estimates to formal rejection letters—aligns with new regulatory standards. The mandate, stemming from Federal Decree-Law No. 6 of 2025, emphasizes the need for real-time record-keeping. This shift is designed to improve data quality, bolster fraud detection, and assist in underwriting accuracy, while shifting the burden of accountability onto insurers for any actions taken by third-party service providers.

Navigating these changes requires a cohesive strategy that integrates the new framework with existing laws, including data protection regulations and the Central Bank’s recent guidelines on artificial intelligence. As the industry faces potential administrative sanctions for non-compliance, experts recommend that insurers view these overlapping requirements as a single, comprehensive operational program rather than fragmented tasks. Crucially, firms must ensure that automated decision-making processes remain transparent and subject to human oversight, as claimants are increasingly entitled to access the personal data and evidence used to reach decisions regarding their policies. Those who have already begun conducting gap assessments are expected to have a significant advantage in meeting these rigorous standards by the deadline.