Revolutionizing compulsory insurance. Modernizing compensation and launching digital services

Economy of the East

The auto insurance industry is undergoing a three-pronged evolution that includes a comprehensive revision of the compensation schedule that has been in place since 1984, the launch of a digital insurance certificate, and the finalization of an omni-channel platform for premium payments.

The tenth issue (June 2025) of the Insurance Mail revealed the project to revise the car insurance compensation table, which has not changed since the Dahir of October 2, 1984. The project is led by the Ministry of Justice and has entered the legislative process for approval.

The project includes key developments, most notably a gradual increase in compensation levels, which will necessarily entail adjusting the premiums for civil liability insurance for cars. This review, which was announced during the Casablanca Insurance Forum last April, came as a pivotal step to adapt the sector to the current reality, with the aim of improving compensation for victims and aligning premiums with actual risk levels, within a more equitable pricing vision.

In parallel, the digitalization of the sector is progressing at a steady pace through two technical projects that are about to be completed. The first relates to the launch of the digital automobile insurance certificate, supervised by the Moroccan Insurance Federation (FMA) and the Moroccan Insurance and Social Reserve Supervisory Authority (ACAPS). This electronic certificate will eliminate the paper version, to facilitate access to the insured and enhance the reliability of monitoring operations.

The second project is an innovative multi-channel insurance premium payment platform that is in its final stages. The platform will integrate multiple payment methods, including electronic point of sale, Fatorati, cash and checks, with an automatic reconciliation mechanism for flows with the insurance companies” systems. A specialized workshop was held at the end of April in cooperation with the Joint Banking Center for Payment Instruments to fine-tune the technical aspects of the system.