A national survey carried out in 2025 by the National Federation of Consumer Associations, in partnership with the Ministry of Industry and Trade, draws up an inventory of the insurance market in Morocco. According to results, 70 %of citizens have at least insurance, with a predominance of the automobile (60 %), followed by health (50 %), housing (40 %) and life (30 %).
The study, based on a representative sample of 4,040 people distributed in the 12 regions of the Kingdom, stresses that the subscription is first reasoned by the legal obligation (40 %), before the protection against risks (35 %) and voluntary family security (15 %).
If the coverage appears relatively extended, a majority of insured expresses reservations concerning their experience: 65 % say they are dissatisfied, mainly evoking the complexity of the contracts, the language used, the slowness of reimbursements and customer service. In addition, 70 % of the insured declares that they have already changed company, illustrating the pre -eminence of criteria such as the price, speed and extent of guarantees in their choices.
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The survey also highlights the need to strengthen the pedagogy and the simplification of procedures, in order to promote a better understanding of contracts and bring the offer of consumer expectations closer. The National Federation of Consumer Associations emphasizes the role of media and associations in the dissemination of information and awareness of prevention, considered as a lever for the development of a real insurance culture.
With a majority coverage rate, the Moroccan insurance market has significant consolidation potential. Future growth could go through better digital integration, expanding the supply of products adapted to households and SMEs, as well as strengthening of confidence and transparency mechanisms. Ultimately, the evolution of the sector could contribute increased by social protection, the economic stability of households and the financing of the national economy
