The Tunisian insurance market generated satisfactory growth in premium income in the first quarter of the year, buoyed by a notable increase in life insurance premiums and positive growth across all lines.
Total gross premiums reached TND1.4bn ($482m) in the first quarter of 2026, against TND1.3bn in the corresponding quarter of 2025, representing a 10.5% increase, according to the regulatory authority, the General Insurance Committee (CGA).
The life insurance business led the market growth, registering 16% growth rate as premiums rose to TND328m in 1Q2026 from TND282.5m in the corresponding quarter of 2025, accounting for 23% of the market premium income.
Non-life business controlled nearly 77% of the market operations, with premiums reaching TND1.1bn in 1Q2026, up from TND986m in 1Q2025, recording an increase of almost 9%.
Motor insurance remained the largest line of business, controlling around 40% of the market, with premiums reaching TND553m in 1Q2026 from TND510m in 1Q2025, registering an 8% y-o-y growth. Medical insurance ranked as the second largest non-life line with premiums increasing to TND222m from TND191m, and commanding 16% market share.
Fire insurance was the third largest non-life line, accounting for 11% market share as premiums reached around TND158m in 1Q2026 from TND149m in the corresponding quarter of the previous year, almost 6% growth.
Paid claims
The sector’s total paid claims for the first quarter of 2026 reached TND586m, up from TND494m in the corresponding quarter of 2025, registering 18.4% y-o-y increase, which was also driven by life insurance paid claims.
Life insurance paid claims exceeded TND172m in 1Q2026 compared to TND119m in 1Q2025, representing a jump of over 45% y-o-y. Motor insurance paid claims reached TND227m against TND216m, a 5% increase, and accounted for 39% of the total paid claims. Medical insurance paid claims controlled almost 18% of total paid claims as they reached TND140m in 1Q2026 versus TND119m, nearly 18% growth rate.
Except for fire insurance, all lines of business registered increases in paid claims in the first quarter of 2026.
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Tunisian Insurance Market 1Q 2026 (TND m)
|
|
Branch
|
Net Premiums
|
Paid Claims
|
|
1Q2026
|
1Q2025
|
YoY Growth
|
Share 2026
|
1Q2026
|
1Q2025
|
YoY Growth
|
Share 2026
|
|
Motor
|
553.0
|
510.0
|
8.4%
|
39.5%
|
226.8
|
216.0
|
5.0%
|
38.7%
|
|
Medical
|
222.0
|
190.7
|
16.4%
|
15.8%
|
139.9
|
118.9
|
17.7%
|
23.9%
|
|
Fire
|
157.6
|
149.0
|
5.8%
|
11.2%
|
26.3
|
26.6
|
-1.1%
|
4.5%
|
|
Transport
|
29.7
|
27.5
|
8.0%
|
2.1%
|
7.8
|
4.7
|
66.0%
|
1.3%
|
|
Agriculture
|
2.7
|
2.3
|
15.9%
|
0.2%
|
1.1
|
0.4
|
155.8%
|
0.2%
|
|
Other
|
108.2
|
106.4
|
1.7%
|
7.7%
|
11.3
|
9.1
|
24.2%
|
1.9%
|
|
Total non-life
|
1,073.2
|
985.9
|
8.9%
|
76.6%
|
413.2
|
375.7
|
10.0%
|
70.6%
|
|
Life
|
328.2
|
282.5
|
16.2%
|
23.4%
|
172.3
|
118.7
|
45.2%
|
29.4%
|
|
Total
|
1,401.4
|
1,268.4
|
10.5%
|
100.0%
|
585.5
|
494.4
|
18.4%
|
100.0%
|
|
General Insurance Committee (CGA)
|