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5 min

Understanding car insurance in Morocco

Legal duties, Basic / Comfort / Comfort plus formulas and what third-party liability really covers.

Short answerMotor third-party liability is compulsory for every motor vehicle: it compensates third parties, not the driver or the vehicle. Three complementary formulas are offered, quote-based pricing.

Key facts

  • 01Minimum cover compulsory for every motor vehicle
  • 02Three formulas: Basic, Comfort, Comfort plus
  • 03Basic includes neither fire, theft nor broken glass
  • 04No car price is published: quote-based pricing

01

What the law says

The law requires a minimum insurance for every motor vehicle: two-, three-, four-wheeled or more, equipped with an engine. As soon as you take possession of a vehicle, a contract specific to that vehicle is required.

02

Third-party cover

Minimum compulsory cover. It compensates only damage caused to third parties — other road users and passengers of the insured vehicle — and covers neither the driver nor the vehicle.

03

Complementary covers

Beyond civil liability, the contract can cover third-party property, collision damage, theft, fire, broken glass, assistance, and defence and recourse. The formula matrix shows exactly what each pack includes.

04

Two-wheelers and utility vehicles

Beyond compulsory third-party liability, packs can include legal protection, theft and fire. Assistance services (breakdown, towing) and personal accident cover can complete the contract.

Related products

Car & motorcycle insurance

Frequently asked questions

Yes. The law requires a minimum insurance for every motor vehicle: third-party civil liability, which compensates third parties but covers neither the driver nor the vehicle.

Three formulas: Basic (civil liability, catastrophic event, defence and recourse, passengers carried, driver protection, assistance), Comfort (those six plus fire, theft, broken glass and collision damage) and Comfort plus (all of the above plus third-party property).

No. In the displayed matrix, Basic only ticks six guarantees: fire, theft, broken glass, collision damage and third-party property are not included. The Comfort (or Comfort plus) formula is required for them.

No car-insurance price is published: the three formulas (Basic, Comfort, Comfort plus) show an empty price field, filled when the request is made. The tariff is quote-only: fill in the car form and an adviser sends a personal study.

The car form has three steps (INSURED, VEHICLE, FORMULA) and ten fields: last name, first name, mobile, email, fuel type (diesel, petrol, hybrid, electric), fiscal horsepower, new value, first registration date, market value and broken-glass limit (MAD 5,000 or 10,000). All are required except the registration date.