Oman’s Financial Services Authority (FSA) has introduced major reforms in motor insurance. From now on, if car repairs are not completed within 30 days after the insurer finalises the accident file, insurers must pay daily cash compensation to drivers. This is the first time such a rule exists in the Gulf, giving Omani drivers stronger rights. Insurers can avoid paying compensation only if they prove the delay was caused by exceptional reasons beyond their control. The FSA will set compensation rates later. Previously, drivers faced long delays due to slow approvals and parts shortages. Now, a clear 30-day deadline pushes insurers to act faster. To improve payment efficiency, insurers must pay 70 percent of repair costs upfront to workshops and the remaining 30 percent after work finishes. This helps repair shops start work quickly without cash worries. New rules also allow drivers to opt for a cash payout equal to damage instead of insurer-managed repairs. Coverage has expanded to include damage from natural disasters and bad weather, even under compulsory third-party insurance. The list of spare parts that insurers must replace without depreciation has also grown. The FSA gave insurers 30 days to adjust their processes before the rules take effect. Some companies worry about cost impacts, while others believe the changes will boost consumer trust. Many drivers online welcomed the clear timelines but await details on compensation amounts. These reforms could set a Gulf-wide example. By linking money penalties to repair delays, Oman urges insurers to raise service standards and speed up claims. For Oman’s motorists, this means faster repairs, guaranteed payments if delays occur, more flexible claim options, and broader protection. Omani drivers should keep detailed records of their claims and watch repair schedules closely. They should also ask insurers how compensation will be calculated once the new rules are live. Overall, Oman’s shake-up signals a new, driver-friendly chapter in Gulf motor insurance, pushing for fairness, accountability, and better service.