According to a national survey conducted by the National Federation of Consumer Associations in partnership with the Ministry of Industry and Trade, seven out of ten Moroccans have at least one insurance policy. The study reveals a clear predominance of car insurance (60%), followed by health insurance (50%), home insurance (40%), and finally life insurance (30%). The survey, conducted with a representative sample of 4,040 people spread across the 12 regions of the Kingdom, shows that car insurance remains the most widespread (60%), followed by health insurance (50%), home insurance (40%), and life insurance (30%). These figures demonstrate a progressive democratization of insurance in Morocco.
The study also highlights the main motivations for subscriptions: legal obligations (40%) in the lead, followed by protection against risks (35%) and the desire to secure the family (15%).
However, despite this broad coverage, the relationship between policyholders and companies remains fragile: 65% of those surveyed declare themselves dissatisfied, citing the complexity of contracts, the slowness of compensation, and the weakness of customer service. Another significant finding: 70% of policyholders have already changed companies, often for reasons related to price, speed of services, or the extent of coverage.
In light of these results, industry players are called upon to simplify the legal language of policies, adapt products to the real needs of households and SMEs, and enhance the transparency of procedures. Digital technology also appears as a key lever to improve the customer experience and restore trust.
