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IRU Circular 4/2026Insurance Regulatory Unit

IRU Circular 4/2026 — Remote operations and legally effective notices

IRU Circular 4/2026 describes remote receipt of regulatory transactions and service of complaints-committee and disciplinary decisions. A team must monitor its official channels; physical non-receipt is not a reason to ignore an electronically served notice. Official sources and an evidence-led implementation checklist.

تعميم رقم (4) لسنة 2026 بشأن آلية استكمال الوحدة لأعمالها في ظل الظروف الاستثنائيةOfficial Arabic title

Issued
11.03.2026
Published
12.03.2026
Guide reviewed
11.10.2026
Instrument
IRU Circular 4/2026

Action at a glance

What this instrument asks you to do

IRU Circular 4/2026 describes remote receipt of regulatory transactions and service of complaints-committee and disciplinary decisions. A team must monitor its official channels; physical non-receipt is not a reason to ignore an electronically served notice.

Source-backed

Stated legal requirements

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

  1. 01

    Use the relevant department's email for supervised entities' transactions. Public enquiries use the separate general mailbox.

    Citation · Page 1, First: receipt of transactions

  2. 02

    Complaints-committee decisions are served through the complaints portal and treated as received and effective once attached to the relevant complaint.

    Citation · Page 1, Second

  3. 03

    Disciplinary decisions are notified through the official IRU email to the entity's registered address and treated as received and effective upon sending.

    Citation · Page 1, Third and concluding notice

Dates and applicability

Timing, grace period and deadline

Timing

Signed 11 March; published 12 March. The circular addresses exceptional remote working, not a permanent suspension of the underlying duties.

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

    Assign cover for the registered inbox and complaints portal.

    Suggested owner
    Company secretary / compliance
    Evidence to retain
    Registered-address check, access list, daily notice log
    Complete when
    Each served notice has a recorded timestamp and accountable recipient.
    Expit support context
    Workflow routing and reminders can reduce missed notices; legal service remains governed by the official procedure.
  2. 02

    Separate complaints, disciplinary and ordinary transaction queues.

    Suggested owner
    Legal and regulatory liaison
    Evidence to retain
    Case references, attachments and escalation records
    Complete when
    Decisions are assessed promptly by the responsible adviser without assuming a new grace period.
    Expit support context
    Document classification can support triage, not determine appeal deadlines.

Further clarification

Frequently asked questions

Does remote working stop notices from taking legal effect?

No. The circular expressly addresses effective electronic notification; it does not excuse non-receipt of a paper copy.

Can Expit declare our remote operations and legally effective notices 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 4/2026 PDF (opens in a new tab)

    Operative circular visually reviewed. Check later instructions on operating arrangements. Email routing and portal service do not create an extension of the time to challenge a decision; the underlying decision and procedural rules must be reviewed separately.

    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

Check later instructions on operating arrangements. Email routing and portal service do not create an extension of the time to challenge a decision; the underlying decision and procedural rules must be reviewed separately.