National insurance market: commercial performance improves year-on-year

In the conventional insurance sector, property and casualty insurance companies accounted for 81.1% of the sector's total, with a turnover of 115.9 billion Algerian dinars between January and September, according to the economic report for the third quarter of 2025.

According to the document, personal insurance policies totalled 16.4 billion Algerian dinars at the end of September, representing a 4.2% increase compared to the same period in 2024.

Motor insurance, which accounts for 50.3% of total non-life insurance business, recorded a turnover of nearly 58.3 billion Algerian dinars at the end of September 2025, a 5.2% increase compared to the same period in 2024.

The same report notes that this growth is mainly driven by the "Non-compulsory risks" sub-sector, which grew by 7.2% year-on-year, reaching a turnover of 45.5 billion Algerian dinars.

The CNA specifies that the "fire and miscellaneous risks" (IRD) branch recorded a turnover of nearly 48.5 billion Algerian dinars, marking an increase of 3.9%, or an additional 1.8 billion Algerian dinars compared to the same period in 2024.

Meanwhile, the agricultural sector recorded a turnover of DZD 1.9 billion in the first nine months of the year, representing a 22.5% increase compared with the same period in 2024.

According to the CNA, this momentum is largely due to the “animal production” sub-sector, which accounts for 44% of the agricultural sector and posted significant growth of 41.6%, equivalent to 251.5 million dinars in terms of turnover.

As for the Islamic insurance sector, known as "Takaful", this activity recorded double-digit growth (92.6%) and generated turnover of 820.9 million dinars, divided between 438.2 million produced by the "general Takaful" branch and 382.7 million by the "family Takaful" branch.

In the reinsurance sector, the Compagnie Centrale de Réassurance (CCR) recorded international business turnover of 9.8 billion Algerian dinars (DZD) as at 30 September 2025, an increase of 13.1% compared with the same period in 2024. Overall, claims reported by customers to all insurance companies increased by 3% in value (71.1 billion Algerian dinars) and 6.6% in number at the end of September.

The CNA notes, however, that outstanding claims are valued at 139.3 billion Algerian dinars, with more than 1.99 million cases pending settlement.

Finally, the report specifies that the number of contracts taken out remained virtually stable (-0.4%) at the end of September 2025, with 11.4 million contracts (excluding international acceptances).