Gross written premiums in the Algerian insurance market grew to DZD143bn ($1.1bn) in the first nine months of 2025 (9M2025), registering a growth of 7.3% compared to the corresponding period of the past year, according to a recent report issued by the National Insurance Council (CNA).
Property and casualty (P&C) insurance business reached DZD116bn in 9M2025, accounting for 81% of the market premium income, with a growth rate of 4.2%. Life and personal insurance business reached DZD16.4bn, registering a 4% growth rate and controlling around 12% of the market GWP.
Motor insurance business totalled DZD58bn in 9M2025, up from DZD53bn in 9M2024, an increase of almost 10%. Motor accounted for 41% of the total market premium income. The fire and miscellaneous insurance branch reached DZD48.5bn in the nine months of 2025 from DZD46.7bn in the corresponding period in 2024, an increase of 4% with a share of 34% of the market.
International acceptances for the same period reached DZD9.8bn, an increase of 13.1%.
|
GWP by line of business - 9M2025
|
|
DZD'000 /Line of business
|
9M2025
|
9M2024
|
Change
|
Share in 2025
|
|
Motor
|
58,641,410
|
53,195,142
|
10.2%
|
41.0%
|
|
Fire and miscellaneous
|
48,591,181
|
46,716,122
|
4.0%
|
34.0%
|
|
Agriculture
|
1,948,104
|
1,588,597
|
22.6%
|
1.4%
|
|
Transport
|
4,590,480
|
4,627,272
|
-0.8%
|
3.2%
|
|
Credit
|
2,661,236
|
2,551,585
|
4.3%
|
1.9%
|
|
Total Property & Casualty
|
116,432,411
|
108,678,718
|
7.1%
|
81.4%
|
|
Life and Personal
|
16,755,999
|
15,916,600
|
5.3%
|
11.7%
|
|
Acceptances
|
9,785,502
|
8,653,308
|
13.1%
|
6.8%
|
|
GWP
|
142,973,91a2
|
133,248,626
|
7.3%
|
100%
|
|
Source: CNA
|
Takaful sees notable growth
The report indicated that takaful contributions amounted to DZD821m in 9M2025, showing a jump of almost 93% compared to the same period of the preceding year. General takaful contributions stood at around DZD438m while family takaful operations reached DZD383m.
Paid claims
Paid claims reached DZD58bn in the first nine months of 2025, of which around 89% were from the property and casualty lines of business.
Reported claims for the same period reached DZD71bn, registering a 3% increase over the first three quarters of the past year, while the number of claims filed for the same period increased by 6.6% year on year.
|
GWP and Paid Claims 9M2025
|
|
DZD'000
Line of business
|
GWP
|
Paid Claims
|
|
9M2025
|
9M2024
|
Change
|
Share in 2025
|
9M2025
|
9M2024
|
Change
|
Share in 2025
|
|
Conventional
|
P&C
|
115,994,201
|
108,508,588
|
6.9%
|
81.1%
|
51,980,207
|
43,685,655
|
19.0%
|
89.4%
|
|
Life & Personal Lines
|
16,373,229
|
15,709,392
|
4.2%
|
11.5%
|
6,003,832
|
5,625,299
|
6.7%
|
10.3%
|
|
Total conventional
|
132,367,430
|
124,217,980
|
6.6%
|
92.6%
|
57,984,039
|
49,310,954
|
17.6%
|
99.8%
|
|
Takaful
|
General takaful
|
438,211
|
219,030
|
100.1%
|
0.3%
|
93,159
|
41,477
|
124.6%
|
0.2%
|
|
Family takaful
|
382,770
|
207,208
|
84.7%
|
0.3%
|
37,752
|
23,097
|
63.4%
|
0.1%
|
|
Total takaful
|
820,981
|
426,238
|
92.6%
|
0.6%
|
130,911
|
64,574
|
102.7%
|
0.2%
|
|
Total direct market
|
133,188,411
|
124,644,218
|
6.9%
|
93.2%
|
58,114,950
|
49,375,528
|
17.7%
|
100%
|
|
Acceptances
|
9,785,502
|
8,653,308
|
13.1%
|
6.8%
|
NA
|
NA
|
NA
|
NA
|
|
Total GWP
|
142,973,913
|
133,297,526
|
7.3%
|
100.0%
|
|
|
|
|
|
Source: CNA
|