CBUAE / relevant financial free-zone regulator
Who regulates InsurTech in the UAE?
Content reviewed 2026-08-14 · How we check sources
Short answer
There is no separate “InsurTech regulator” for mainland insurance activity: the CBUAE regulates the UAE insurance sector and insurance-related professions. If the model is in a financial free zone, the relevant free-zone regulator can apply instead.
What this means
The technology does not change the underlying regulated activity. Digital distribution, brokerage, underwriting, claims or comparison functions are assessed under insurance rules just as they would be offline.
Start by identifying whether the fintech is an insurer, broker, agent, comparison website, technology vendor or another insurance-related profession; the licence follows the role.
Official sources
CBUAE — Insurance Rulebook ↗CBUAE — Electronic Insurance Regulations ↗Ask with your entity, activity and regulator.
Regulatory research, not legal advice. This answer has the scope and review date shown above; your institution decides applicability.