Morocco: Insurance law reforms aim to accelerate digitalisation and enhance consumer protection
Source: Middle East Insurance Review | Jul 2026
The General Secretariat of the Government has released a draft Bill to amend and supplement the Insurance Code to accelerate digital transformation, strengthen policyholder protection and broaden access to insurance for previously underserved segments of the population.
The legislative overhaul goes beyond minor technical adjustments. It aims to modernise the sector’s entire value chain—from product design to distribution—while consolidating the role of insurance in financing the national economy and mobilising domestic savings, reported the newspaper Le Matin.
The draft Bill introduces several new requirements, including the definition of premium due dates, guarantee forfeiture, commissions and takaful investment contracts.
The draft also requires insurance companies to ensure that the contracts they offer are tailored to the needs of their target customer segments. Exclusion clauses will no longer be able to render contracts meaningless, and procedures relating to claims reporting, compensation and contract termination have been revised to be clearer and more accessible for policyholders.
One key reform is the introduction of microinsurance into the Moroccan legal framework. Coverage limits and contribution levels will be set later by regulation. This measure is part of the national financial inclusion strategy aimed at expanding risk protection to underserved segments of the population. M