The Mauritius Financial Services Commission has issued rules governing the National Insurance Claims Database (NICD) for motor insurance, setting mandatory reporting, claims handling, data protection, dispute resolution and settlement requirements for licensed motor insurers. The framework requires insurers to submit and maintain motor claim information on the NICD within tight operational timelines and introduces a monthly multilateral settlement process routed through the Bank of Mauritius. Insurers must record all motor claims notified in writing on the NICD within two business days, keep claim statuses updated, and upload supporting documentation including an Agreed Statement of Facts Form or Notice of Intended Prosecution (as applicable) and a copy of a valid driver’s licence. The rules also require insurers to generate a claims history certificate on the NICD for renewals and for new or potential policyholders requesting cover, restrict access to claims history data to cases where policyholder or driver consent has been obtained, and prohibit verification unless a formal quotation request has been submitted. Once a scale of liability is confirmed on the NICD it cannot be modified without prior FSC approval, and liability disputes must be referred to the Motor Vehicle Insurance Arbitration Committee, with rulings or court judgments to be uploaded to the NICD within two business days of receipt. For recoveries acknowledged for payment, the NICD will calculate net obligations and generate a monthly settlement listing, with a net settlement file sent to the Bank of Mauritius for automatic settlement via the Mauritius Automated Clearing and Settlement System; insurers must maintain a dedicated settlement account with a minimum balance of MUR 1 million. An annual NICD access fee of MUR 26,400 applies, with prescribed late-payment charges. The rules take effect on 22 September 2025.

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