The number of motorcycles and two-wheeled vehicles covered by insurance requests distributed among Tunisian companies is expected to reach 40,877 by the end of 2026, an increase of about 100% compared to 2025.
According to Imed Hamdi, interim general director of the Tunisian Federation of Insurance Companies (FTUSA), the number of vehicles covered by this distribution mechanism recorded significant growth during 2026.
By the end of September 2026, 30,658 two-wheelers were affected by insurance requests distributed among the companies, compared with 20,398 for the entire year 2025, i.e., an increase of 50.3%.
A sustained growth in insurance requests
Imed Hamdi noted that the number of vehicles covered by this mechanism had risen from 16,004 in 2024 to 20,398 in 2025, registering a growth of 27.4%.
This evolution is part of the efforts deployed by the Tunisian Federation of Insurance Companies to encourage more motorcycle and two-wheeler owners to subscribe to insurance.
The official explained that the distribution of requests is carried out through a FTUSA-dedicated platform, allowing applicants to be guided toward insurance companies taking into account their place of residence and their governorate.
The distribution of requests among the different companies is balanced, based on their market shares in the automotive sector recorded in 2024.
The expansion of the mechanism to motorcycles from 50 to 125 cm³
According to Imed Hamdi, the increase in the number of requests is notably explained by the widening of the distribution mechanism to motorcycles with engine displacement between 50 and 125 cm³.
Previously, this mechanism only covered two-wheelers equipped with engines with a displacement of less than 50 cm³.
This expansion has allowed the integration of an additional category of vehicles, in a context marked by growing demand for insurance services for two-wheelers.
The official also highlighted the efforts undertaken by the Federation in collaboration with security authorities, notably through inspection campaigns focusing on taking out insurance and the mandatory wearing of a helmet.
What documents to insure a motorcycle?
Regarding administrative procedures, Imed Hamdi reiterated the importance of having the documents required to subscribe to insurance.
Among the main pieces required are the registration certificate for motorcycles purchased after 2025 as well as the payment of the circulation tax.
According to the official, complying with these obligations could also help generate additional revenue for the state budget.
A fleet estimated at two million motorcycles in Tunisia
Despite the growth in insurance requests, coverage of two-wheelers remains a major challenge in Tunisia.
According to estimates communicated in December 2025 by an official from the National Observatory for Road Safety, the fleet of motorcycles in circulation in the country would reach approximately two million vehicles.
However, the number of motorcycles officially registered with the land transport services would not exceed 20,000, according to the same indications.
These estimates highlight a significant gap between the assumed fleet of two-wheelers in circulation and the vehicles officially registered.
However, it is worth distinguishing these figures from the insurance requests distributed by FTUSA, which pertain to a specific mechanism and do not, on their own, allow determining the national rate of motorcycle coverage.
Several obstacles still hinder two-wheeler insurance
Imed Hamdi stressed that several factors explain the low level of motorcycle coverage in Tunisia.
He notably cited difficulties related to identification and registration of certain vehicles, the absence of official documents for part of the fleet, and the reluctance of some owners to subscribe to insurance.
The official also mentioned the high accident risks associated with this category of vehicles, which poses an additional challenge for insurance companies.
In this context, the growth in requests and the widening of the distribution mechanism testify to an evolution in access to two-wheeler insurance, even though significant administrative and practical obstacles remain.
