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Car & Motorcycle Insurance · Morocco

Car & Motorcycle Insurance
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Full comparison of Moroccan car insurance — mandatory third-party liability, extended third party, comprehensive. Find the best coverage at the best price.

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Nos compagnies partenaires agréées

Wafa AssuranceRMAAXA AssuranceAtlantaSanadSanlam MarocMAMDA-MCMAMATUAfrica Specialty Risks (ASR) Cover EdgeMAIWafa IMA

Third-Party Liability (RC) — Compulsory

The legal minimum: covers bodily and material damage caused to third parties. Required by Article 120 of the Insurance Code (Law 17-99).

Extended Third Party

RC + optional endorsements: theft, fire, windscreen, natural disasters, partial own-damage cover.

Comprehensive (Tous Risques)

Maximum coverage: all extended cover + full own-damage, replacement vehicle, zero-km roadside assistance.

Roadside Assistance (0 km)

Towing and recovery from your home address. Available as endorsement or standalone via MAI or Wafa IMA.

Windscreen Cover

Glass breakage included or as option depending on insurer and formula chosen.

Replacement Vehicle

Temporary replacement car while yours is under repair. Typically up to 15 days.

Car Insurance FAQ

Is car insurance compulsory in Morocco?
Yes. Article 120 of the Insurance Code (Law 17-99) requires all motor vehicle owners and drivers to hold at minimum a Third-Party Liability (RC) policy. Standard conditions are set by Decree 1053-06 of 26 May 2006.
What does Third-Party Liability cover?
RC covers bodily and material damage caused to third parties, including door-opening accidents and occasional towing. It does not cover damage to your own vehicle.
Can I insure a second-hand car imported from Europe?
Yes, for vehicles that have been properly cleared through Moroccan customs. You will need the Moroccan grey card and the customs clearance certificate.
How does the bonus-malus system work in Morocco?
The bonus-malus coefficient is governed by General Conditions (Decree 1053-06). Each claim-free year reduces your premium; each at-fault claim increases it. Insurema negotiates the transfer of your bonus when you switch insurer.
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