The Moroccan Insurance Federation (FMA) has set out several actions on motor insurance which it plans for the second half of 2025.
In its 1H2025 report giving an update on key developments in the insurance sector, the FMA outlines four main priorities for 2H2025:
- Finalisation of the National Insured Vehicles Reference System (RNVA)
- Decision on the Direct Compensation Agreement for automobile insurance following a study
- Launch of digital automobile insurance certificates
- Deployment of a motor insurance premium collection system, incorporating a significant digital component.
Progress on National Insured Vehicle Register (RNVA)
The FMA says that testing of the production and claims modules, as well as a security audit and dry migration of data of insurance and reinsurance companies, have been completed. The RNVA was launched in July 2025, and the migration of the current customer relationship management systems to the RNVA is scheduled for the fourth quarter of 2025.
Decision to be made following a study on the Direct Compensation Agreement (DCA) for automobile insurance
Three years after an overhaul of the DCA in 2022, the agreement is undergoing a thorough evaluation entrusted to the international consultancy firm Roland Berger to assess the achievement of the objectives set out in 2022, analyse the behaviour of (re)insurers in claims management and identify areas for improvement.
Pending the results of the review, an amendment was developed to adjust the waiver of claims rule for compensation in the first half of 2025. The objective is to analyse the impact of this change on the behaviour of (re)insurers in DCA-related claims management.
The insurance industry has also:
a. implemented a DCA solution in API mode, enabling real-time exchanges between the information systems of (re)insurers and the platform of the FMA. This is to:
- exchange reliably the necessary data, thus optimising claims and recourse management
- Focus on “quick-win” features with high added value
- Guarantee the confidentiality and integrity of exchanged data with a secure OAuth2 protocol (OAuth2, which stands for “Open Authorisation”, is a standard designed to allow a website or application to access resources hosted by other web apps on behalf of a user.
b. Improve the platform's resilience by adding security components
c. Maintain operational condition (fix anomalies and bugs)
Reform of the DCA is deemed necessary because its implementation since 2006 has revealed some dysfunctional areas, even though the agreement has been revised in the intervening period. At the same time, amendments are needed to keep pace with industry changes. The reform is all the more necessary given the liberalisation of automobile tariffs and the expansion of damage coverage. Particular attention is paid to the text of the new version of this agreement as well as the liability scale, to make the terms and conditions as intelligible and understandable as possible for all users. With the new agreement, the insurance sector is adopting modernised working methods to improve the quality of services provided to customers.
Digitalisation of automobile insurance certificates
This flagship project, jointly led by the FMA and the Insurance and Social Security Supervisory Authority (ACAPS), represents an important lever for the development of online sales, the improvement of the customer experience, and the modernisation and fluidity of motor insurance management.
Specifically, this involves a system for generating secure QR codes, readable via a web page displaying the QR code content based on the insurance certificate identifier, or via a dedicated mobile application for inspectors, installed directly on their tablets.
Progress status: Studies and development were finalised in March 2025, qualification and integration are underway, technical workshops with other regulatory bodies have been finalised, and funding for QR code reading equipment has been secured. Implementation is scheduled for the second half of 2025.
Regulatory aspects: An amendment to the decree relating to compulsory insurance introduces the static QR code and is currently in the adoption process. The transition to a dynamic QR code requires giving legal status to the Insured Vehicle Register (RNVA) for monitoring insurance obligations. This amendment will make it possible to abolish hard-copy insurance policies and legally recognise the RNVA as proof of presumption of insurance.
Revamp of motor insurance premium collection system, incorporating a significant electronic payment component
This project involves a complete overhaul of premium payment mechanisms through an innovative multi-channel platform. The multi-channel platform will allow policyholders to pay their premiums through a variety of means: in-branch, online, mobile, or banking terminals, while ensuring transaction security.
The goal is to offer policyholders a simplified and secure experience, while optimising processes for all stakeholders.