Morocco’s insurance market is undergoing a deep digital shift. Driven by regulatory mandates from ACAPS, growing customer expectations, and the rise of InsurTech startups, insurance process digitalization in Morocco has become a strategic imperative. Shared System, which delivered the PREVAS student insurance digitalization project, shares its practical perspective.
The market context: strong growth, digital imperative
The Moroccan insurance market reached nearly 35 billion MAD in premiums in H1 2025, representing 7% year-on-year growth. Despite this, penetration remains below potential. ACAPS has made digitalization central to its 2024–2026 strategic plan and launched the Émergence program in April 2025, a structured co-innovation initiative with seven concrete use cases built by insurers, InsurTech firms, and technology specialists.
Key milestones already in place:
- 2022 ACAPS instruction: legal framework for online insurance sales and digital distribution;
- July 2025: RNVA (Référentiel National des Véhicules Assurés) goes live, providing a centralized vehicle insurance registry;
- 2026: full dematerialization of automobile insurance certificates via secure QR code.
Five core insurance processes being digitalized
Online subscription and distribution
Complete digital sales journeys, from quotation to policy signature, while ensuring compliance with ACAPS technical and consumer protection requirements.
Digital claims management
The e-constat for auto claims is already operational. Artificial intelligence and machine learning are increasingly used for automated claim assessment and fraud detection, with 38% of flagged cases confirmed in at least one fraud scenario by ACAPS algorithms.
KYC and onboarding
Digital identity verification, electronic signatures, and integration with NARSA, ANAM, and justice ministry registries enable fully paperless onboarding processes.
Data analytics and BI
RNVA and centralized claims data enable cross-insurer analysis. Insurers deploy BI dashboards to monitor underwriting performance, claims ratios, and regulatory reporting.
Cybersecurity compliance
Morocco’s law 05-20 imposes cybersecurity obligations on digital operators. 84% of Moroccan organizations cite ransomware as their primary threat, making compliance and ISO 27001 alignment increasingly essential.
Lessons from the PREVAS project
The insurance sector digital transformation we delivered for PREVAS, focused on student insurance digitalization, highlighted four critical success factors:
- ACAPS regulatory knowledge integrated into the design phase, rather than retrofitted later;
- User experience optimized for users with varying levels of digital literacy;
- Robust API integration with national registries such as NARSA, ANAM, and RNVA;
- Security audits conducted before production launch, aligned with law 05-20.
Choosing an IT partner for insurance digitalization
Evaluate potential partners based on their knowledge of Moroccan insurance regulations, proven local references, integration capabilities with national registries, security credentials such as ISO 27001 and law 05-20 alignment, and their capacity for long-term support.
Talk to our insurance IT specialists to discuss your project.
FAQ
Is digital insurance sales legal in Morocco?
Yes, since the ACAPS 2022 instruction, provided companies meet technical, legal, and security requirements.
What is the RNVA?
The Référentiel National des Véhicules Assurés is a national centralized database of all insured vehicles in Morocco, operational since July 2025. It enables fraud detection, verification of insurance status, and supports telematics use cases.