Lâ€™E-assurance : La PrÃ©sentation Ã Distance des OpÃ©rations dâ€™assurances au Maroc, Quel Apport du Cadre Juridique! (PÃ©riode 2004 Ã fin 2019)
Authors: Rahal Hicham 
Published: September 2020

Cet article se propose de faire un Ã©tat des lieux du cadre juridique de la vente Ã distance dematÃ©rialisÃ©e (VAD) de lâ€™assurance au Maroc Ã travers lâ€™analyse des dispositions du code des assurances promulguÃ© en 2004, de lâ€™Ã©tude de la circulaire nÂ°DAPS/EA/12/19 du 09 mars 2012 base rÃ©glementaire de la VAD dÃ©matÃ©rialisÃ©e de lâ€™assurance et de prÃ©senter certaines donnÃ©es du secteur des assurances Ã fin 2018. De plus, l'Ã©tude du cadre juridique de prÃ©sentation des opÃ©rations dâ€™assurances Ã distance fait ressortir certaines faiblesses, c'est ce qui a Ã©tÃ© dÃ©montrÃ© Ã travers une analyse critique. La mÃ©thodologie adoptÃ©e consiste Ã rÃ©pondre Ã certaines questions posÃ©es au dÃ©part, pour Ã©tablir s'il y a un changement significatif au niveau du cadre juridique de prÃ©sentation Ã distances des opÃ©rations d'assurances en premier lieu et de voir si ce cadre juridique rÃ©ponds aux attentes des opÃ©rateurs et du consommateur en matiÃ¨re de vente Ã distance de maniÃ¨re dÃ©matÃ©rialisÃ©e de l'assurance (l'e-assurance). Il ressort de l'Ã©tude que le lÃ©gislateur marocain Ã introduit dans le circuit lÃ©gislatif un projet de loi modifiant le code des assurances en integrant un volet dÃ©diÃ© Ã la prÃ©sentation Ã distance des opÃ©rations d'assurances. Ce projet de loi reprend les dispositions de la circulaire de la vente Ã distance nÂ°DAPS/EA/12/19 sans changement majeur. D'ailleurs, ce cadre juridique ne permet pas de dÃ©matÃ©rialiser totalement le processus de vente Ã distance puisque les opÃ©rateurs d'assurances dans la phase ultime du contrat d'assurances utilisent le contrat papier. La dÃ©matÃ©rialisation est imparfaite.
This paper aims to make an inventory of the legal framework of the dematerialized distance selling (DS) of insurance in Morocco. This is done through the analysis of the provisions of the insurance code promulgated in 2004 and the study of the circular nÂ°DAPS/EA/12/19 of March 9, 2012, which is the regulatory basis of the dematerialized DS of insurance. The study also presented some data of the insurance sector at the end of 2018. The study of the legal framework for the DS of insurance operations also highlights some weaknesses. The methodology adopted provides answers to certain questions posed at the outset. This is aimed at establishing if there is a significant change in the legal framework for distance selling of insurance operations. This also helps to ascertain if this legal framework meets the expectations of operators and consumers for dematerialisation of distance selling of insurance operations (e-insurance). The study shows that the Moroccan legislator has introduced a bill to amend the Insurance Code by including a section dedicated to distance selling of insurance operations. This bill takes up the provisions of the circular of distance selling nÂ°DAPS/EA/12/19 without any major change. This legal framework, however, does not provide a complete dematerialization of the distance selling process since insurance operators in the final phase of the insurance contract use the paper contract. The dematerialisation is also not fully applied.