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Morocco: Online motor insurance claims platform starts operations

Source: Middle East Insurance Review | Nov 2022

E-constat, the official motor claims online platform designed for insurers to digitalise and accelerate the processing and settlement of auto claims, has been activated.
 
The implementation of E-constat began in September 2022 in the business hub of Casablanca and will be rolled out in phases across the country.
 
This project was initiated by the Moroccan Federation of Insurance and Reinsurance Companies (FMSAR), in collaboration with the Insurance and Social Welfare Control Authority as well as insurance companies.
 
The paperless claims process begins with the submission of an e-statement by an agent ascertaining and taking photos (geolocated and timestamped) of the vehicles and site of the accident. Tools are also made available to the agent to provide an outline of the actions leading to the accident. Then the parties involved in the accident view and sign the e-report.
 
Before the E-constat system was made operational, trials have been carried out, starting with the arrival of the ascertaining agent at the site of the accident until the submission of the signed e-report.
 
The first pilot of E-constat was carried out over four months with the participation of CAT Assurance & Reassurance in the town of Salé. Feedback from this first pilot was shared with insurers’ automobile claims managers and assistance service managers. In February 2021, FMSAR conducted the second pilot over a period of three months with the participation of all insurance and reinsurance companies as well as assistance companies in Casablanca. The objective of this second pilot site was to test the system further, including the overall ‘end-to-end’ process, before launching it on the market. The plan to establish this online claim reporting system was first announced in 2015. M 
 
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