The Insurance Regulatory Unit will launch the trial phase of its updated electronic “Beema” insurance system from October 25 to December 31, 2026, requiring eligible insurance companies registered on the platform and their contracted insurance brokers to comply with the regulations governing the issuance of mandatory vehicle insurance policies.
In a circular issued on Saturday, the unit announced that paper-based issuance of civil liability insurance policies covering traffic accidents involving Kuwaiti vehicles will be suspended from October 25. Such policies must thereafter be issued exclusively through the electronic Beema system on the unit’s website, with any document issued outside the approved process considered invalid.
The circular outlined procedures for cases in which technical problems prevent the issuance of insurance documents. If the disruption results from a system outage or malfunction attributable to the unit, paper-based issuance may be permitted under the approved regulations, provided the unit is notified immediately. However, if the problem originates with an insurance company, the company must immediately inform the unit of the reasons, and paper issuance will require the unit’s prior approval.
The circular exempted mandatory insurance policies for private vehicles belonging to illegal residents from the electronic-only requirement. These policies will continue to be issued in paper form, subject to immediate notification of the unit, submission of valid proof issued by the Central Agency for Addressing the Status of Illegal Residents, use of the approved review-card forms circulated to insurance companies by email, and compliance with the agency’s terms and conditions.
Strict controls for insurance brokers
The unit also established specific requirements governing insurance brokers’ access to the updated system. Registered insurance companies may grant contracted brokers a sub-user account to issue policies, provided the arrangement is explicitly included in their contract and all regulatory requirements are met.
Insurance brokers must identify the employees registered under the company’s residency sponsorship who are authorized to use the sub-account. They must also submit a declaration and undertaking on the company’s official letterhead, signed by the general manager, confirming that the account will be used exclusively by authorized employees.
Policy issuance must take place within the broker’s licensed premises. Issuing documents from any other location is prohibited, and insurance companies may not activate sub-accounts until the contractual requirements, authorized employee details and required declaration have been completed.
o ensure brokers are prepared for the transition, insurance companies have been instructed to conduct introductory workshops on using the Beema system, beginning from the date of the circular. They must maintain records identifying the participants and provide them to the unit whenever requested.
Cash payments prohibited
The unit stressed that premiums for insurance policies must be paid exclusively through electronic payment channels. Cash payments are prohibited under all circumstances, in line with regulations governing entities supervised by the unit.
The circular’s provisions will remain in force without prejudice to Resolution No. 32 of 2025 until a relevant regulatory decision is issued.
The Insurance Regulatory Unit urged all concerned companies to comply fully with the new requirements, warning that violations could result in accountability measures and legal action under Law No. 125 of 2019 on Insurance Regulation, its Executive Regulations and amendments, as well as the unit’s decisions and circulars and other applicable legislation.
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