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Selon l’Union des assureurs et réassureurs : L’assurance automobile impactée par le recul des importations - Algerie360
Les assureurs algériens ont pu régler au coût moyen 78 000 dossiers de recours dans le cadre de la responsabilité civile pour les assurés dommage collision (assurance automobile) pour un montant d’indemnisation de 3 milliards de dinars,
a affirmé, hier à Alger, le président de l’Union des assureurs et réassureurs (UAR), Brahim Djamel Kessali, également P-DG de la Compagnie algérienne des assurances et réassurances (Caar).
C’est lors du Forum d’El Moudjahid que M. Kessali a souligné que «les compagnies se sont mises d’accord pour régler définitivement ces cas de recours en signant une convention d’assainissement des recours au coût moyen (ARCM) en 2015 et exécutée en 2016». En effet, ajoute-t-il, il s’agit des «recours pour les années 2010 à 2012». La problématique est liée à la partie responsabilité civile (RC) dans l’assurance dommage collision entre compagnies d’assurance. Pour les années 2013 et 2014, un avenant ARCM sera signé «prochainement» après accord de la commission de supervision des assurances et, suite aux liquidations entre les compagnies, « quel que soit le nombre des recours », a indiqué le président de l’UAR. Une autre convention indemnisation directe de l’assuré (IDA) sera également signée et mise en œuvre d’ici fin 2017, a promis M. Kessali. Ainsi, l’assuré sera indemnisé au niveau de son agence, a-t-il assuré. Pour les recours de la période 2015 et jusqu’à juin 2016 « non réglés dans le cadre de la liquidation entre compagnies», un autre avenant, selon le coût moyen prendra en charge le règlement. Concernant les délais, une convention «transitoire » inter sociétés de règlement des sinistres automobile (IRSA), applicable à partir de juin 2016, a été signée portant ainsi à 45 jours, à partir de la date de déclaration du sinistre, le délai pour les indemnisations inférieures à 150 000 DA et deux mois pour celles supérieures à 150 000 DA. Interrogé sur le nombre de dossiers de recours restant, M. Kessali a expliqué qu’« il n’est pas possible de donner un chiffre car les liquidations se font au fur et à mesure entre les compagnies ». Pour les cas d’assurance tous risques, «les remboursements s’effectuent normalement». Donc, ils ne sont pas concernés par le recours. Questionné sur le bonus-malus, comme cela se fait ailleurs, le président de l’UAR a répondu qu’en effet « c’est une défaillance du marché de l’assurance en Algérie mais un fichier des conducteurs sera mis en place pour y parer». Ainsi, les assurés ne causant pas de sinistres recevront un bonus et ceux qui en causent auront le malus.
Lutte contre le dumping : « des tarifs planchers en préparation »
S’agissant du dumping opéré par certaines compagnies d’assurances, le président de l’UAR a rappelé l’accord multilatéral (2012) afin que les baisses de tarifs ne soient pas importantes avec un plafonnement des remises. Cependant, il y a eu des « dérapages ». C’est pourquoi, selon M. Kessali, « des tarifs planchers sont en préparation ». La branche automobile a été impactée par le recul des importations automobiles depuis deux ans. D’ailleurs, la progression à deux chiffres de cette branche n’est plus que d’un chiffre, a relevé le président de l’UAR qui a parlé de « progression mitigée ». C’est grâce au parc existant que la « stabilité » est assurée par un palliatif qu’est l’assistance. Les compagnes ont toutes mis en place ce produit pour pallier le déficit. Il faut dire que la sinistralité est de 1 million de déclarations en 2015 pour 71 milliards de dinars (Mds DA) remboursés globalement dont 47,2 Mds DA pour la branche automobile, a signalé la même source. En 2015, le chiffre d’affaires global est de 127,9 Mds DA, dont 66,8 Mds DA pour l’assurance automobile, soit 52% du total. Le taux de progression moyen, annuel, de cette branche était de 12% mais en 2015 par rapport à 2014, ce taux est de 2% et également en 2016, selon M. Kessali.
Le secteur des assurances est « solvable »
Ce dernier affirme que le secteur reste solvable et pour cause, il mobilise de l’épargne dans des placements pour un montant total de 216,8 Mds DA dans entre autres l’Emprunt national pour la croissance économique (ENCE), les titres du Trésor et des crédits bancaires. « La marge de solvabilité doit être égale aux fonds propres », a rappelé M. Kessali qui l’a fixé à 116,5 Mds DA sur le marché. De plus, les règles prudentielles imposées à ce secteur est que cette marge devra être au moins égale à 15% de dettes techniques.
Pour l’heure, elle est de 95%, a-t-il rassuré. Par ailleurs, les engagements règlementés en contrepartie des actifs (placements) représentent 194 Mds DA. En 2015, l’assurance-vie (aux personnes) a tiré vers le haut le secteur avec 10,1 Mds DA de chiffre d’affaires, soit 8% du marché global, alors qu’il était de 7,5 Mds DA en 2010. Suite à la loi de 2006, des sociétés filiales ont été créées et dédiées uniquement à cette branche qui se décline en assurance vie et décès (31%), assistance voyage (27%), prévoyance collective ou groupe (22%) et maladie ou complémentaire santé (5%). La CAT-NAT, obligatoire depuis 2004, compte plus de 10 millions d’unités assurées (immobilier, commercial et industriel) avec 700 000 contrats actuellement, soit un taux d’adhésion de 7%. Ce que considère M. Kessali comme un taux « faible ». En matière d’assurance habitat, l’assistance sera un nouveau produit mis sur le marché pour cette branche. Enfin, la loi sur les assurances sera révisée cette année après plus de 10 ans afin de permettre à ce secteur d’évoluer, a signalé le président de l’UAR. Le secteur compte 24 sociétés d’assurances dont la dernière est née en 2016 avec 8 filiales assurance vie et 16 pour les dommages en plus de la Cagex (exportation hors hydrocarbures), Compagnie centrale d’assurance, la CCR (Compagnie centrale de réassurance) qui détient 50% du marché de la réassurance et SGCI (Société de garantie du crédit immobilier). Le secteur englobe 2 260 agences et 750 points de vente aux niveaux des banques (banque assurance) et 38 courtiers d’assurance. Les compagnies privées détiennent 25% du marché, selon la même source.