The verdict in three sentences
For a brokerage above 3,000 policies, custom policy management software at 90,000 to 180,000 TND excl. tax (about 26,500 to 53,000 EUR) pays for itself in 12 to 18 months in Tunis. The two levers are renewal alerts, which lift renewals by about 14%, and automatic reconciliation of commission statements, which recovers 2 to 4% of commissions overlooked by insurers. The traceability required by the CGA (Tunisia's insurance regulator) is built in from day one.
For a London broker, the same architecture built by a Tunis-based team typically costs 40 to 60% less than a UK build, with FCA record-keeping replacing CGA rules.
Modules and their cost in dinars
A Tunisian broker works with several insurers (STAR, COMAR, GAT, Maghrebia, BIAT Assurances, among others), each with its own statement formats, commission rates by line and claim notification deadlines. Generic tools handle this diversity poorly, along with exchanges in Arabic and French.
| Module | Key features | Indicative 2026 cost (TND excl. tax) | Timeline |
|---|---|---|---|
| Client and policy portfolio | Client records, policies, endorsements, cover, multi-insurer | 18,000 to 35,000 | 4 weeks |
| Due dates and renewals | Alerts at D-60, D-30, D-15, SMS and WhatsApp reminders, renewal quotes | 12,000 to 22,000 | 2 to 3 weeks |
| Claims | Notification, documents, per-insurer tracking, deadlines, settlements | 15,000 to 30,000 | 3 weeks |
| Commissions and statements | Import of Excel or PDF statements, reconciliation, variances, insurer chasers | 18,000 to 38,000 | 3 to 4 weeks |
| Regulatory compliance | Transaction register, duty of advice, archiving, reporting | 10,000 to 20,000 | 2 weeks |
| Client portal | Certificates, payment schedule, claim notification, online payment | 10,000 to 20,000 | 2 weeks |
| Dashboards | Production by line, renewal rate, loss ratio | 7,000 to 15,000 | 1 to 2 weeks |
| Total | 90,000 to 180,000 | 16 to 20 weeks |
Online premium payment can run through local card payment solutions and e-dinar, with automatic matching to the receipt.
Before and after: indicators for a 4,500-policy portfolio
| Indicator | Excel and insurer tools | Custom software |
|---|---|---|
| Renewal rate | 74 to 80% | 86 to 91% |
| Unclaimed commissions | 2 to 4% of total | Under 0.5% |
| Monthly reconciliation time | 40 to 60 h | 5 to 8 h |
| Average claim handling time | 45 to 70 days | 25 to 40 days |
| Preparing a regulator inspection | 2 to 3 weeks | 1 to 2 days |
| Annual tool cost | 0 TND, but hidden costs | 14,000 to 27,000 TND (maintenance, hosting) |
The renewal gain comes from consistency: each due date triggers a reminder at D-60 with a proposal, then two follow-ups. Policies no longer lapse through simple oversight.
Commission reconciliation, an underrated lever
Each insurer sends a monthly statement in its own format. The software imports these files, matches them to policies by policy number and compares the commission paid with the contractual rate by line: motor, group health, home multi-risk, marine cargo. Each variance generates a pre-filled claim to the insurer. On a portfolio this size, unclaimed variances often exceed 25,000 TND a year.
Mini case study
Mr Ben Salah runs a brokerage in Tunis: 4,500 policies, 9 partner insurers, average premium of 1,800 TND, average commission of 12%, i.e. 216 TND per policy and about 972,000 TND in commissions per year.
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- Renewals before: 3,510 policies per year (78%).
- Renewals after: about 4,000 policies (+14%), i.e. 490 policies saved.
- Extra commissions: 490 x 216 = 105,840 TND per year.
- Commissions recovered through reconciliation: 3% of 972,000 TND, about 29,000 TND.
- Total annual gain: nearly 135,000 TND.
With a 135,000 TND project and 20,000 TND annual maintenance, payback arrives in 12 to 14 months.
FAQ
How much does insurance broker software cost in Tunis in 2026?
Budget 90,000 to 180,000 TND excl. tax (about 26,500 to 53,000 EUR) for a portfolio of 2,000 to 10,000 policies, delivered in 16 to 20 weeks. Annual maintenance is about 15% of the budget.
Does the software read statements from every insurer?
Yes, a connector is configured per statement format, Excel, CSV or PDF. Adding a new insurer costs about 2,500 to 5,000 TND.
Does the software help with regulatory compliance?
It keeps the transaction register, logs the duty of advice and archives documents for the legal retention period. An inspection file is ready in 1 to 2 days instead of 2 to 3 weeks.
Is the interface available in Arabic?
Yes, the interface and client documents can be in French, English and Arabic, with right-to-left display. This option adds about 8,000 to 15,000 TND.
Can we migrate our current portfolio?
Migrating 4,500 policies from Excel or legacy software takes 2 to 3 weeks, with checks on due dates and commission rates.
Let's scope your project. Tell us your portfolio size, partner insurers and lines of business: we will price a scope between 90,000 and 180,000 TND excl. tax with a week-by-week plan. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
