The United Arab Emirates (UAE) Insurance Authority
recently published the Insurance Authority Board of Directors'
Resolution No. 18 of 2020 on Electronic Insurance Regulations dated
27 April 2020 ("the Regulation"). The
first draft of these regulations was published in January 2019, and
after public consultation and discussion, a revised draft was
published in December 2019, which has now been finalised. The
Regulations and the timing of it are very relevant in the current
circumstances, i.e. the impact of COVID-19 and the social
distancing measures by the government, marketing, and solicitation
of insurance by physical means is at an all-time low.
The term electronic has been widely defined as anything relating
to technology having electrical, digital, magnetic, wireless,
visual, electromagnetic, automated, optical or similar
capabilities. The scope of the Regulations extend to all electronic
and smart insurance operations carried out on the internet address
of the
