Morocco’s insurance sector is undergoing a major overhaul, with the Federation of Moroccan Insurance Companies spearheading a sweeping modernization of the auto insurance market. At the center of this transformation are digital innovation, legal reforms, and a renewed push to crack down on fraud. The goal is clear: simplify the customer experience while ensuring greater transparency and security in how insurance contracts are managed.
Representing 25 insurance and reinsurance firms operating across the country, the Federation recently released its mid-year report for 2025, spotlighting two key initiatives. The first is the rollout of the National Registry of Insured Vehicles, which officially went live in July after several phases of testing. This centralized database now tracks every insured vehicle in Morocco, paving the way for more efficient contract oversight. By the end of the year, customer relationship systems will be integrated into this new platform, streamlining both user access and internal processes.
The second major initiative involves the full digitization of insurance certificates. Traditional paper documents are being replaced with secure QR codes. These codes can be scanned during roadside checks by police using a dedicated mobile app or accessed via a web page using the certificate number. Technical studies and funding for the necessary infrastructure have already been completed, with a nationwide rollout planned before the end of 2025.
To support these changes, regulatory frameworks are also being updated. The decree governing mandatory insurance is currently under revision to reflect the shift to digital tools. Longer term, legislative changes will be needed to officially recognize the National Registry as the sole legal proof of insurance coverage.
Economically, the sector remains on an upward trajectory. Insurance premiums issued in the first half of 2025 reached nearly 35 billion dirhams, marking a 7% increase compared to the same period last year. While life insurance continues to perform strongly, the auto insurance segment remains a key driver of growth.
Other major reforms are also underway. The 1984 royal decree that governs compensation is being revised to update claims processes and modernize the repair pricing system. In parallel, a new risk-based pricing model for civil liability insurance is being studied in collaboration with ACAPS, the country’s insurance regulator. Meanwhile, the Federation is expanding the use of electronic payments by launching a more robust digital platform for collecting premiums.
The “E-Constat” mobile app, first launched in 2022 to facilitate digital accident reporting, is also evolving. With over 20 updates to date, it’s now set to migrate to Morocco’s sovereign cloud infrastructure to handle rising data volumes more efficiently. The fight against fraud is being intensified as well. Insurance companies are now using advanced data analytics to identify suspicious patterns, with a quarterly fraud barometer helping track trends. On average, around 40% of reported suspicious cases match known fraud schemes.
Taken together, these reforms signal a turning point for Morocco’s auto insurance market. The Federation’s broader vision is to create a fully modernized, digitally driven sector—one that meets the rising expectations of policyholders and aligns with the oversight standards set by regulators.
