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Kuwait\u2019s Insurance Regulatory Unit has adopted sweeping consumer-protection legislation aimed at protecting motorists and transforming the country\u2019s motor insurance market.<\/strong><\/p>\n By Decision No. 53 of 2026, given by the Supreme Committee chairman, Mohammed Suleiman Al-Otaibi, insurance firms will be legally prohibited from retrospectively reassessing the value of a vehicle or drastically reducing a payout after a traffic incident, allowing the fixed valuation agreed upon at inception of a comprehensive policy to be used as the standard for all subsequent claim settlements.<\/p>\n These sweeping rules close traditional policyholder pitfalls and illuminate the industry with unprecedented transparency and accountability.<\/p>\n Insurance companies are now strictly barred from slapping unintended exclusions, raising excess fees and sneaking in unexpected clauses that lead to the loss of vital protection.<\/p>\n Any statement that contains loose or fuzzy wording in a policy contract must be interpreted according to the law to place the insured benefit. In an effort to establish complete clarity early on, companies are required to thoroughly examine and photograph a vehicle before providing any coverage, and inform clients up front if any repairs must be carried out at official agency dealerships or designated specialist workshops.<\/p>\n These rules were also designed to impose strong operating standards as all authorized insurers are required to have a special QR code for each digital policy within a clear 90 days period.<\/p>\n The requirement of this technology means each particular insurance file is now connected with the automatic verification system that dismisses the possibility of paperwork deception and expedites the settlement of claims.<\/p>\n The rules specify that total-loss labeling for vehicles must only conform to technical or economic standards, insurance premiums that are not used on cancellation must be returned to policyholder on written confirmation, and salvage items should be suitably documented before their disposal.<\/p>\n By adopting fixed vehicle valuation and updating the verification system, these latest directives are giving drivers unprecedented security and peace of mind.<\/p>\n<\/div>\n