The Moroccan insurance sector is entering the second half of 2025 with very favourable momentum, despite the significant disruptions affecting the global economy, according to the Moroccan Insurance Federation (FMA).
The trade body outlines in the June 2025 edition of its bulletin, Le Courrier de l’Assurance, several developments that will drive the insurance market. These include:
This flagship project, relating to paperless motor policies, is led jointly by the FMA and the Insurance and Social Security Supervisory Authority (ACAPS). It is accompanied by a complete overhaul of premium payment mechanisms. An innovative multi-channel premium payment platform is being set up to offer policyholders a simplified and secure experience, while optimising processes for all stakeholders.
After four decades of implementing a 1984 Royal Decree governing the scale, a draft amendment is being submitted for approval.
The revamp, led by the Ministry of Justice, will introduce several major changes, including a gradual increase in compensation levels, which will lead to an adjustment in automobile liability insurance premiums.
The government is currently consolidating its health insurance programmes into a single and more inclusive system, redefining the health insurance landscape. Under this new system, insurers will be required to strengthen their positioning by developing innovative complementary offerings.
The digitalisation of information exchanges with the CNSS (National Social Security Fund) will pave the way for a "one-stop shop" that will significantly streamline the policyholder experience.
On the construction front, the implementation of mandatory Construction All Risks – 10-Year Civil Liability (TRC-RCD) insurance is part of a comprehensive approach to improving asset protection. It will soon be complemented by the introduction of mandatory home insurance.
The adaptation of the prudential framework is also progressing with the finalisation of a circular on risk-based solvency. This regulatory advancement, which will be published by the end of the year for effective implementation in 2026, aligns the insurance industry with international standards.
Inclusion and diversity are essential dimensions of this modernisation. The Gender Charter, developed by ACAPS and signed by the FMA and ACAPS, aims to integrate a gender approach into the design and marketing of insurance products. It calls on all insurance and reinsurance companies to adopt it to adapt their offerings to the specific needs of women and contribute to resolving unequal access to financial services.