Insurance Regulation Unit Allows Filing Complaints Against Insurance Companies for Non-Execution of Final Judicial Rulings

The Insurance Regulatory Unit announced the issuance of Decision No. (52) of 2026, which repeals the previous decision regulating the mechanism for receiving and adjudicating complaints, and replaces it with a new decision that allows individuals, private companies, and government entities to file complaints regarding final, declared, and unexecuted court judgments against insurance companies that refuse to comply. This move is part of the Unit’s efforts to enhance compliance with court rulings and protect the rights of customers dealing with the insurance sector.

The Unit clarified that this decision represents a new addition to the complaints framework, enabling holders of final, declared, and unexecuted court judgments to benefit from an additional supervisory channel through the electronic complaints system, in cases where insurance companies refuse to execute judgments issued against them. This runs concurrently with judicial execution procedures.

The Unit specified that the right to file a complaint extends to both natural and legal persons, including companies and government entities, in accordance with the procedures and controls defined for each category. If the complainant is a legal entity, the complaint must be submitted through an authorized representative, who must authenticate it electronically using their personal name via the “Huwiyati” application, and submit the complaint in their capacity as a representative of the entity, attaching the power of attorney, the final court judgment, and supporting documents for judicial execution.

The Unit noted that acceptance of a complaint requires that the court judgment be final, that no order has been issued by the competent judicial authority to suspend its execution, that an execution file has been opened with the relevant authority, and that at least one month has elapsed since the declaration of the executable version without the judgment being executed. Supporting documents proving compliance with these conditions must be attached.

The Unit emphasized that complaints meeting the requirements will be referred to the competent Complaints Committee, which will forward non-compliant entities to the relevant administration to take the prescribed legal measures against them, which may include the cancellation of the license to conduct business for the violating entity.

The Unit also indicated that this procedure covers final court judgments issued in favor of insurance companies against other insurance companies, concerning the recovery of due amounts arising from insurance activities, thereby reinforcing compliance with financial rights and obligations among companies operating in the sector.

In this context, Mr. Talal Al-Moharib, Director of the Legal Administration at the Unit, stated:

“Respecting and executing final court judgments constitutes a fundamental legal obligation for all entities subject to the Unit’s supervision. Refusal to execute such judgments must not be used as a means to delay the fulfillment of rightful claims. Accordingly, the Unit has sought to provide an additional supervisory channel that enables holders of final, declared, and unexecuted court judgments to file their complaints, allowing the Unit to exercise its legal powers under its establishing law against non-compliant entities, up to the cancellation of their business licenses. This comes in line with the Unit’s commitment to enhancing discipline and legal compliance, protecting the rights of all parties, and consolidating trust in the Kuwaiti insurance sector.”

The Unit stressed that receiving these complaints does not replace judicial execution procedures, nor does it conflict with the jurisdiction of judicial authorities. Rather, it complements them and serves as an implementation of the provisions of Law No. (125) of 2019 concerning the Regulation of Insurance, representing an additional supervisory measure aimed at enhancing the effectiveness of insurance companies’ compliance with final court judgments and ensuring their continued fulfillment of legal obligations under Articles (52) and (55) of the aforementioned law.

Mr. Talal Al-Moharib concluded by emphasizing that this decision reflects the Authority’s commitment to enhancing its regulatory tools beyond addressing complaints related to insurance claims, extending to handling cases of non-compliance with final judicial rulings, thereby strengthening the protection of policyholders’ rights and reinforcing the principles of justice, transparency, and accountability among entities operating in the insurance sector.