Sarwa Insurance Becomes the First Insurer in Egypt to Launch “Title Insurance” Policy Strengthening Foreign Investment Confidence and the Real Estate Sector

In a landmark move that reflects the continued development of Egypt’s regulatory and insurance frameworks supporting investment, 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. With this approval, Sarwa Insurance becomes the first insurance company in Egypt to obtain final regulatory approval to issue this specialized policy in accordance with the FRA’s approved model, confirming the company’s technical readiness and its leading role in developing innovative insurance solutions that serve the local market.
The Title Insurance policy represents a strategic tool for mitigating real estate investment risks, particularly for foreign investors, as it enhances confidence in the soundness of property ownership and increases the readiness of large-scale projects for financing. The approval comes at a time that aligns with the state’s direction toward attracting foreign direct investment and expanding national projects, most notably Ras El Hekma and Alam El-Rum. In this context, the integrity of property ownership remains one of the decisive determinants for investors and international financing institutions, supporting the competitiveness of the Egyptian real estate market and strengthening its ability to attract long-term investments.
Commenting on the approval, John Saad, Group CEO of Contact Financial Holding, stated: “Insurance is the fundamental pillar and the true guarantee for the sustainability of real estate investment. Through Sarwa Insurance, the insurance arm of Contact Financial Holding, we aim to support and safeguard investment opportunities in a way that enhances the efficiency of the Egyptian market and strengthens its capacity to absorb large volumes of global capital. What we are offering today goes beyond the provision of insurance solutions; we are laying the foundation for a new phase of financial maturity in which insurance plays the role of 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 leading destination for large-scale strategic investments.”
Under the Title Insurance policy, Sarwa Insurance undertakes to compensate the insured for direct financial losses resulting from any pre-existing legal defects in the property title that were unknown at the time of contracting. This includes registration errors, final court rulings confirming third-party rights, invalidation of ownership transfer transactions, or the existence of undisclosed real rights registered prior to the issuance of the policy. Within the insured amount, the coverage also extends to judicial expenses and legal fees associated with the insured risks, in accordance with the policy terms, reinforcing Sarwa Insurance’s role as a specialized insurance arm in managing real estate investment risks and strengthening investor confidence.
For his part, Ahmed Khalifa, Managing Director of Sarwa Insurance, stated: “At Sarwa Insurance, as the insurance arm of Contact Financial Holding, we seek to develop specialized insurance solutions based on clear regulatory frameworks and advanced risk management models that support transformation within the insurance sector and keep pace with investment requirements. The approval of the Title Insurance policy reflects the company’s readiness to provide insurance coverage designed to protect real estate investments from prior legal risks, in a manner that complies with regulatory requirements and meets the needs of investors and financing institutions with efficiency and professionalism.”
The Title Insurance policy establishes a clear framework defining the insurer’s responsibilities and the scope of coverage, ensuring regulatory discipline and a balanced contractual relationship. According to the framework, Sarwa Insurance bears no liability for violations, encroachments, or modifications affecting the property after the policy issuance date, nor for defects or rights that were known to the insured but not disclosed at the time of contracting. Coverage also excludes cases of expropriation for public benefit, sovereign decisions, as well as disputes arising from use, occupancy, or lease relationships. This approach reflects a strong commitment to applying best practices in risk management and clearly delineating responsibilities.
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 safeguarding investor rights.
Established in 2001, Contact Financial Holding is Egypt’s leading non-banking financial services group, with a strong track record in delivering diversified financing and insurance solutions for individuals and businesses. The Holding operates an integrated ecosystem spanning consumer finance, auto finance, insurance, mortgage finance, leasing, and factoring through its subsidiaries, affiliates, and investment partners. This integrated model has enabled Contact to enhance operational efficiency and reinforce its role as a key driver of financial inclusion, leveraging digital innovation to expand access to financial services across the Egyptian market.