Comparative guide — SAA CAAT CAAR, guarantees, premiums 5-30k DZD/yr, claims.
Legal framework
Ordinance 95-07 + Law 89-01 art. 14 + Law 04-20 natural disasters.Methodology: Kloufi.
Main insurers SAA CAAT CAAR
SAA leader ~40%. CAAT ~20% (digitalization). CAAR ~15% (reinsurance). Alliance, Trust, 2A, SALAMA (takaful).Multi-risk guarantees
Fire, water, theft, glass, CL. Optional: disasters, vandalism, breakdowns. Law 04-20 disasters mandatory 10-20% surcharge.2026 premiums
F2 4-7k. F3 5-10k standard, 10-15k standing. F4 7-13k. Villa 12-20k, standing 20-30k. Reductions: alarm -10%, fidelity -10-20%.5-step claim procedure
Immediate actions, declaration 5 days, expertise, negotiation, payment. Total 2-6 months.Tip: kricar.fr.
8 choice criteria
Price, guarantees, franchise, reputation, network, digitalization, options, solvency.Optimization tips
Multi-insurance -5-15%. Fidelity -10-20%. Alarm -10%. High franchise -15-30%.Special cases
Diaspora +10-20% surcharge. Tourist rental +30-50%. Zone III disasters mandatory.Editorial Q&A
Mandatory tenants. SAA leader. F3 5-10k. Claim 2-6 months.Frequently Asked Questions
DZ framework?
Ordinance 95-07 + Law 89-01.
Main insurers?
SAA 40%, CAAT 20%, CAAR 15%.
F3 premium?
5-10k DZD/yr standard.
Guarantees?
Fire+water+theft+CL+disasters.
Franchise?
10-30k DZD typical.
Claim delay?
Declaration 5 days. Indemnification 2-6 months.
Reductions?
Alarm -10%, multi -5-15%, fidelity -10-20%.
Diaspora?
+10-20% surcharge.