Insurance Unit: Filing Complaints for 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 rulings 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 rulings to benefit from an additional supervisory channel through the electronic complaints system, in cases where insurance companies refuse to execute rulings issued against them, concurrently with judicial enforcement 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 identity via the “Huwiyati” application, and file the complaint in their capacity as a representative of the entity, attaching the power of attorney, the final court ruling, and supporting documents for judicial enforcement.

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

The unit affirmed that complaints meeting the conditions 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 revoking the license of the violating entity to conduct its business.

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

In this context, Talal Al-Muharbi, Director of the Legal Department at the unit, stated that respecting and executing final court rulings constitutes a fundamental legal obligation for all entities subject to the unit’s supervision, and that refusing to execute such rulings must not be used as a means to delay fulfilling the rightful claims of their owners.