In a major milestone for Egypt’s insurance and regulatory landscape, Sarwa Insurance, one of the
largest insurance companies in the Egyptian market and the insurance arm of Contact Financial Holding
has received approval from the Financial Regulatory Authority (FRA) to issue and activate the Title Insurance
policy This approval makes Sarwa Insurance the first insurer in Egypt to obtain final regulatory authorization
to issue the specialized policy based on the FRA-approved model, highlighting the company’s technical
readiness and leadership in developing innovative insurance solutions for the local market
Title Insurance: A Strategic Tool to Reduce Real Estate Investment Risk
The Title Insurance policy is a strategic risk mitigation solution for real estate investment
especially for foreign investors It enhances confidence in the legality and integrity of property
ownership and increases the readiness of large-scale projects for project financing The approval
aligns with Egypt’s ongoing efforts to attract foreign direct investment (FDI) and expand national
development projects, including Ras El Hekma and Alam El-Rum In this context, property title
integrity remains a key determinant for investors and international financing institutions, supporting
the competitiveness of the Egyptian real estate market and strengthening its ability to attract long-term
investments
Leadership Comment: Insurance as a Key Enabler for Real Estate Investment
John Saad, Group CEO of Contact Financial Holding, said
Insurance is the fundamental pillar and true guarantee for the sustainability of real estate investment
Through Sarwa Insurance, we aim to support and safeguard investment opportunities, enhancing market
efficiency and strengthening Egypt’s ability to absorb large global capital flows
He added What we are offering today goes beyond traditional insurance solutions we are laying the foundation
for a new phase of financial maturity where insurance acts as a strategic enabler, granting investors
and international institutions full confidence in the safety and viability of their assets, and reinforcing
Egypt’s position as a preferred destination for large-scale strategic investments
Coverage Details: Protecting Investors from Hidden Title Defects
Under the Title Insurance policy, Sarwa Insurance commits to compensating the insured
for direct financial losses caused by pre-existing legal defects in the property title that were
unknown at the time of contracting The coverage includes
Registration errors
Final court rulings confirming third-party rights
Invalidation of ownership transfer transactions
Existence of undisclosed real rights registered before policy issuance
Legal expenses and attorney fees associated with insured risks (within the insured amount)
This comprehensive coverage reinforces Sarwa Insurance’s role as a specialized insurer in
managing real estate investment risks and strengthening investor confidence
Clear Limits and Exclusions in the Title Insurance Policy
The policy defines a clear framework for the insurer’s responsibilities and scope of
coverage, ensuring regulatory discipline and a balanced contractual relationship
Sarwa Insurance is not liable for
Violations, encroachments, or modifications occurring after the policy issuance date
Defects or rights known to the insured but not disclosed during contracting
Expropriation for public benefit or sovereign decisions
Disputes arising from use, occupancy, or lease relationships
These exclusions reflect adherence to international risk management best practices
and clear allocation of responsibility
Regulatory Framework: FRA Approves Official Title Insurance Model
The Financial Regulatory Authority issued the official Title Insurance policy model
at the end of 2025, following its preparation by the Federation of Egyptian Insurance
Companies, in line with international best practices for managing property title risks
and protecting investor rights
Contact Financial Holding: A Leading Non-Banking Financial Group in Egypt
Established in 2001, Contact Financial Holding is Egypt’s leading non-banking financial
services group It offers a wide range of financing and insurance solutions for individuals
and businesses, including
Consumer finance
Auto finance
Insurance
Mortgage finance
Leasing
Factoring
Sarwa Insurance The group’s integrated ecosystem has strengthened operational
efficiency and supported financial inclusion, leveraging digital innovation to expand
access to financial services across Egypt