expit.
IRU Circular 13/2026Insurance Regulatory Unit

IRU Circular 13/2026 — Compulsory motor-claims receipt and acknowledgement

IRU Circular 13/2026 requires documented written channels for third-party motor claims, including email and WhatsApp, and a prompt acknowledgement identifying what was received and what is missing. Firms must not let channel failures delay or obstruct a claim. Official sources and an evidence-led implementation checklist.

تعميم رقم (13) لسنة 2026 بشأن آليه استلام المطالبات الخاصة بوثيقة التأمين من المسؤولية المدنية الناشئة عن حوادث المرور (التأمين الاجباري للمركبات)Official Arabic title

Issued
05.07.2026
Published
05.07.2026
Guide reviewed
11.10.2026
Instrument
IRU Circular 13/2026

Action at a glance

What this instrument asks you to do

IRU Circular 13/2026 requires documented written channels for third-party motor claims, including email and WhatsApp, and a prompt acknowledgement identifying what was received and what is missing. Firms must not let channel failures delay or obstruct a claim.

Source-backed

Stated legal requirements

Requirements below are attributed to the instrument or cited guidance; each item includes its source location.

  1. 01

    Comply with the procedures under Ministerial Decision 2116/2025 for compulsory motor liability policies, especially Article 21.

    Citation · Page 1, First

  2. 02

    Provide approved written claims channels in addition to manual receipt, including at least email and WhatsApp, and acknowledge receipt through the claimant's chosen channel.

    Citation · Page 1, Second

  3. 03

    Keep those electronic channels operational and continuously monitored; technical/administrative failures must not delay or prevent a claim.

    Citation · Page 1, Second, continuation

  4. 04

    The acknowledgement identifies received data/documents and what remains necessary; retain and document written/electronic requests, notices and correspondence.

    Citation · Page 1, Third and Fourth

Dates and applicability

Timing, grace period and deadline

Timing

Signed and published 5 July. Prompt receipt/acknowledgement is described; this circular does not create a new universal claims-settlement duration.

Grace period

Only the specifically stated submission period or validity condition applies. No additional general grace period is asserted.

Expit suggested practices

Build a reviewable closure record

These suggested actions are implementation practices, not additional legal requirements.

  1. 01

    Test every approved claims channel end to end.

    Suggested owner
    Claims operations / IT
    Evidence to retain
    Email/WhatsApp receipt tests, outage escalation and acknowledgement samples
    Complete when
    A received claim has a recorded timestamp and acknowledgement through the claimant's used channel.
    Expit support context
    Document intake and routing can reduce manual re-keying, with a human claims owner.
  2. 02

    Record received and missing evidence without losing the original claim date.

    Suggested owner
    Claims handlers
    Evidence to retain
    Acknowledgement checklist, original documents and correspondence history
    Complete when
    The file shows what arrived, what was requested and who owns the next step.
    Expit support context
    Extraction can assist evidence checks; it does not determine coverage or settlement.

Further clarification

Frequently asked questions

Does acknowledgement mean the claim is accepted for payment?

No. This circular concerns receipt, acknowledgement and traceability; coverage and compensation remain subject to the underlying policy and rules.

Can Expit declare our compulsory motor-claims receipt and acknowledgement gap closed?

No. Expit can support document processing, evidence reconciliation and accountable workflows. Your responsible officers and advisers must assess legal applicability, complete any required official submission and approve closure.

Primary references

Official sources

  1. Official IRU Circular 13/2026 PDF (opens in a new tab)

    Operative circular visually reviewed. The cited motor-policy rules govern assessment and settlement. Receipt is not approval of a claim, and the circular is not permission to collect unnecessary personal data.

    SOURCE 01

Read with care

Enforcement and limitations

Enforcement stated in source

The circular refers to IRU's powers under Insurance Law 125/2019 and applicable regulations/instructions. No fixed fine or individual enforcement outcome is inferred.

Limitations of this guide

The cited motor-policy rules govern assessment and settlement. Receipt is not approval of a claim, and the circular is not permission to collect unnecessary personal data.