What AXA Assurance Maroc does

AXA Assurance Maroc is the Moroccan operating subsidiary of AXA Group, one of the world's largest insurance companies headquartered in Paris and listed on Euronext Paris. Founded in 2000 and headquartered in Casablanca, the company is a composite insurer offering a full portfolio of personal, professional, and corporate insurance products, including auto, moto, home (Habit'Assur), health (SEHASSUR, SEHASSUR Plus Internationale), savings and retirement (FUTURIS), education savings (EDUCATIS), life and protection (FAMILIS, Temporaire Décès, Assurance Emprunteur), and a broad commercial book covering multi-risk professional, industrial, construction, IT, fleet, and marine cargo lines.

The company's technology stack is built around an insurance operations platform supporting policy administration, claims handling, and distribution. Customer-facing technology includes the MyAXA mobile and web application for policy management and claim tracking, the SAVA AXA mobile expert service for on-site accident damage assessment, an online quote and self-service purchase platform, and a free GPS fleet tracking offering tied to commercial fleet policies. Underlying actuarial, underwriting, and product development draw on AXA Group's global capabilities.

AXA Assurance Maroc generates revenue primarily through recurring insurance premiums collected across personal and commercial lines, with product pricing ranging from mass-market entry points (home insurance from 252 MAD/year, hunting liability at 105 MAD/year) to high-coverage products (international health up to 15 million DH). Distribution is hybrid: 57+ physical agency locations concentrated in Casablanca, a 24/7 phone contact center, the MyAXA digital channel, and strategic channel partnerships — most notably a 2026 partnership with Stellantis Morocco to insure the locally produced Fiat Tris electric tricycle. The CEO is Gilles Fromageot, who also oversees AXA operations in French-speaking Africa, signaling the subsidiary's role as a regional hub within AXA's African franchise.

Name

AXA Assurance Maroc

Legal name

AXA Assurance Maroc

Website

https://axa.ma

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

AXA Assurance Maroc is the Moroccan subsidiary of AXA Group, offering a full range of personal and commercial insurance products — auto, home, health, life, savings, and fleet — distributed through 57+ agencies, a contact center, digital channels, and strategic partners across Morocco.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers (5241)

SIC

Life Insurance (6311), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Group Universal Life (GUL) (FSAIADAC)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)

Keywords

• Personal insurance
• Commercial insurance
• Motor insurance
• Health insurance
• Savings products

Headquarters

HQ city

Casablanca

HQ country

Morocco

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Property and Casualty Insurance Premiums: Collection of insurance premiums for auto, home, moto, and professional insurance products. Revenue is generated through recurring premium payments from individual and corporate policyholders.
2. Health Insurance Premiums: Health insurance products including complementary health coverage to AMO (national health insurance), international health coverage, and collective health plans for businesses.
3. Savings and Retirement Products: Retirement savings products (Futuris) and education savings plans (Educatis) generating revenue through premium contributions and management fees.
4. Life and Protection Insurance: Death and disability insurance products including temporary death insurance and borrower insurance for mortgages.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

AXA Assurance Maroc sells a comprehensive portfolio of insurance and savings products in Morocco, including auto, home, health, savings, retirement, personal accident, family protection, term life, and borrower insurance for individuals, plus professional multi-risk, industrial, construction, liability, fleet, commercial vehicle, and marine cargo coverage for businesses. Products are distributed through an agency network of 57+ locations in Casablanca, a 24/7 phone contact center (29 92), and the MyAXA digital platform.

Product overview

AXA Assurance Maroc operates as an insurance company offering a comprehensive portfolio of protection products across personal, professional, and corporate segments. The product architecture consists of core insurance offerings organized by line of business: Auto insurance (Assurance Auto, Assurance Auto Fonctionnaire, Assistance Auto, Moto insurance for scooters and large-displacement bikes), Home insurance (Habit'Assur multirisque habitation), Savings and Retirement (FUTURIS pension plan, EDUCATIS education savings), Health insurance (SEHASSUR complementary AMO coverage, SEHASSUR Plus Internationale international health), and Personal Protection (Individuelle Accident, FAMILIS family accident, Temporaire Décès term life, Assurance Emprunteur credit life). For businesses, the company provides professional multi-risk insurance (MIHNASSUR for TPME, Multirisque Industrielle for industry, Multirisque Immeuble for buildings), specialty coverages including Tous Risques Informatiques IT insurance, BATISSUR construction all-risk, and various liability products (RC Exploitation, RC Scolaire, RC Sport). Corporate fleet and commercial vehicle coverage includes Assurance Flotte Automobile with GPS tracking and specialized Véhicules Professionnels plans. The company also offers marine cargo insurance and health coverage for employees through collective insurance products. Products are distributed through a network of 57 agencies across Morocco.

Differentiator

Problem solved

Functional benefit

Brands

• SEHASSUR: First complementary health insurance to AMO CNSS in Morocco, offering individual health coverage supplementary to mandatory social security for liberal professionals, merchants, and independent workers.
• FUTURIS
• EDUCATIS
• FAMILIS
• Habit'Assur
• MIHNASSUR
• BATISSUR
• Temporaire Décès

Products and services

• Assurance Auto
• Assurance Auto Fonctionnaire
• Assurance Moto / Scooter (Cyclomoteurs)
• Assurance Moto Grosse Cylindrée
• Habit'Assur
• FUTURIS (Epargne Retraite)
• EDUCATIS (Epargne Education)
• Individuelle Accident
• FAMILIS (Famille Accident)
• Temporaire Décès
• Assurance Emprunteur
• SEHASSUR
• SEHASSUR Plus Internationale
• RC Chasse
• MIHNASSUR (Multirisque Professionnelle)
• Multirisque Industrielle
• Multirisque Immeuble
• BATISSUR (Tous Risques Chantier/Montage)
• RC Exploitation
• RC Scolaire
• RC Sport
• Assurance Flotte Automobile
• Assurance Véhicules Professionnels
• Marchandises Transportées par Voie Maritime

Quantifiable outcome

• Rapid 15-day indemnification for fleet vehicle claims
• +3 more outcomes

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Stellantis MoroccocoreStrategic or Co-development Partner · 18 February 2026Strategic partnership to accelerate electric micromobility expansion across Morocco. AXA Assurance Maroc provides comprehensive insurance coverage for the locally produced Fiat Tris electric tricycle, including legal protection against third-party damages, total vehicle loss coverage (theft or fire), and financial protection for remaining loan balances. The collaboration includes microcredit solutions through financial partnerships to enable micro-entrepreneurs and small businesses to acquire electric vehicles for last-mile delivery and light logistics services.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Allianz Maroc: Allianz Maroc is the Moroccan subsidiary of Allianz Group, offering personal and commercial insurance lines including auto, life, and P&C. It is comparable to AXA Assurance Maroc as a global insurance group subsidiary operating in the Moroccan retail and corporate market.

Direct peers

• CNIA Saada: CNIA Saada is a Moroccan multi-line insurance carrier focused on individual and professional coverage including auto, home, life, and health. It directly competes with AXA Assurance Maroc's distribution-led retail strategy in Morocco.
• Atlanta (Atlanta-Sanad): Atlanta-Sanad is a top-tier Moroccan insurer offering personal and commercial P&C, life, and health products. Following the Atlanta-Sanad merger, it became one of the largest local insurance groups, directly competitive with AXA Maroc in auto and multi-risk lines.
• MCMA (Mutuelle Centrale Marocaine d'Assurance): MCMA is a Moroccan mutual insurer offering life, savings, and general insurance products to individuals and businesses. It is a relevant peer given comparable product breadth and Moroccan market focus, though operating under a mutual rather than joint-stock structure.
• Wafa Assurance: Wafa Assurance is Morocco's largest domestic insurer, part of Attijariwafa bank group, offering comparable multi-line personal and commercial insurance (life, health, auto, home). It is the primary direct competitor to AXA Assurance Maroc in the Moroccan retail and corporate insurance market.
• RMA Assurance: RMA (Royal Maroc d'Assurance) is one of Morocco's leading multi-line insurers with strong presence in auto, life, and corporate coverage, historically backed by Société Générale. It competes head-to-head with AXA Maroc across both individual and enterprise segments.
• Maroc Assistance: Maroc Assistance is a Moroccan insurance and assistance specialist focused on roadside assistance, travel, and personal insurance products. While narrower than AXA Maroc's portfolio, it competes directly in adjacent retail lines including auto assistance and personal accident.
• Saham Assurance: Saham Assurance is a major Moroccan multi-line insurer offering auto, home, life, and health coverage with strong distribution, now part of the Sanlam group. It is a close comparator to AXA Maroc in terms of product portfolio and Moroccan market positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/axaassurancemaroc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AXA Assurance Maroc