–The observation is self-evident, with regard to world standards (cf. Economist Maghrébin Special finance 2020). The insurance branch does not weigh heavily in the GDP. In other words, insurance companies are below their development potential.
It is a long way from reality to their optimum activity: there are huge fallow deposits to explore and exploit. Automobile insurance, which is not without risk, has the wind in its sails and largely dominates the rest, given its compulsory nature. On the other hand, movable and productive assets, as well as health insurance and against work accidents, are little covered.
The productive apparatus benefits from minimum insurance, undoubtedly for reasons specific to the national temperament. Life insurance is struggling to come out of its limbo, no doubt for lack of substantial incentive measures, while it drains long and secure savings that the country so badly needs.
Whose fault is it ? To users, who do not understand the real issues? To the companies insurance themselves, for lack of pedagogy, communication and no doubt also of means because of their plethora of numbers? As proof, the most and the better-off hold, year after year, the upper hand. And do not need windfall effect and compulsory insurance contracts to exist.
(See the entire Ranking of Tunisian Companies in L’Économiste Maghrébin N ° 811 currently on newsstands).
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