Independent guide · updated for 2026
Insurance in Morocco, explained
What the law requires, what each contract really pays, what it costs and how to claim. An independent guide for people who live in Morocco or have ties to it.
- Free and independent
- No sign-up
- English, French, Arabic
Car liability compulsory
AMO refund 70% of the tariff
Declare a claim within 5 days
- Premiums written in 2025
- 64.3 billion MADup 7.9% on 2024
- Minimum motor liability cover
- 50 million MADper vehicle and per event
- Standard AMO refund at CNSS
- 70%of the national reference tariff, not of the bill
- Time to declare a claim
- 5 days60 days for a catastrophic event
What do you want to insure?
Pick a cover to see what the law requires, what it pays and what it costs.
Car and motorbikeCompulsory liability cover, optional guarantees, prices, the CRM, and what to do after an accident.Compulsory by law
Home insuranceWhat a home policy covers, what tenants, owners and landlords should insure, and how to avoid being under-insured.Optional
Health and AMOWhich compulsory scheme you belong to, what it refunds, what it costs, and when a complementary policy is worth it.Compulsory by law
Life and savingsDeath and disability cover to protect a family, savings contracts, your legal rights and the tax rules.Optional
Travel and assistanceThe cover a Schengen visa requires, what travel assistance really pays, prices, and assistance contracts inside Morocco.Required for a Schengen visa
Loan insuranceThe death and disability cover banks require with a mortgage or a consumer loan: what it pays, what it costs and your rights.Usually required
RetirementThe compulsory schemes, how the CNSS pension is calculated in 2026, top-up schemes and retirement savings with tax relief.Compulsory for employees
Business and professionalsWhat an employer must insure, work accidents, liability, premises and stock, building sites, staff benefits and credit insurance.Compulsory in some cases
Family and schoolSchool insurance, personal accident cover, private-life liability, household staff, hunting and leisure.Compulsory in some cases
FarmingState-subsidised climate cover for crops, hail, livestock and equipment, the deadlines after a loss, and health cover for farmers.Optional
Catastrophic eventsThe compulsory guarantee inside your contracts, the solidarity fund for the uninsured, ceilings, deductibles and the steps after a disaster.Included automatically
TakafulHow participative insurance works, what you can buy today, how it differs from conventional insurance and who sells it.Optional
Life moments
A big change in life often means a new contract, or a change to the one you have.
Buying a carLiability cover is compulsory before you drive away. For a new car, look at all-risks.Car and motorbike
Moving into a new homeTenant or owner, insure your home. Buying with a loan? The bank will also ask for loan insurance.Home insurance
Having a babyAdd your baby to your AMO and check what birth and care costs are refunded.Health and AMO
Travelling or studying abroadA Schengen visa needs travel insurance, and a student needs cover for the whole stay.Travel and assistance
Opening a shop or caféEmployees must be insured against work accidents. Protect the premises and your liability too.Business and professionals
RetiringCheck your CNSS or CMR pension, and what your savings contracts will pay you.Retirement
Quick check: which insurance do you need?
Start with your own situation. Tick the boxes below: the list shows the covers you must have by law, the ones a bank, a school or a consulate will ask for, and the ones that are worth their price.
What the law makes compulsory
Most insurance is a choice. These covers are not.
| Cover | Who must have it | Guide |
|---|---|---|
| Motor liability (RC) | Every motor vehicle on the road: cars, vans, motorbikes, mopeds | Car and motorbike |
| Basic health cover (AMO) | Every resident, through the scheme that matches their work | Health and AMO |
| Work-accident insurance | Every employer, for all staff, including household staff | Business and professionals |
| CNSS registration | Every private-sector employer, for every employee | Retirement |
| Site insurance and ten-year liability | Larger building projects | Business and professionals |
| Green card or frontier insurance | Foreign-registered vehicles entering Morocco | Living abroad, visiting |
| School insurance | Schools, for their pupils | Family and school |
| Hunting liability | Every hunter, to obtain the permit | Family and school |
Home insurance, borrower insurance, complementary health cover and travel insurance are not compulsory by law. In practice a bank, a landlord or a consulate will often ask for them.
What changed in 2026
- 1 January. Basic retirement pensions are fully exempt from income tax, after a 50% exemption in 2025. See tax on pensions.
- 29 January. Law 70-24 raises compensation for road-accident victims in stages and extends their time limit to claim to five years. Law 54-23 moves public-sector AMO from CNOPS to CNSS, a transfer planned for early 2027.
- 1 July. The motor insurance certificate with a QR code becomes the only model issued. Certificates issued earlier stay valid until they expire.
- 2 July. Sanlam Maroc absorbs Allianz Maroc and now trades as SanlamAllianz. Existing contracts continue unchanged.
- 4 August. Motor liability premiums rise by about 5%, the first of several yearly steps linked to law 70-24.
- Since autumn 2025. The solidarity levy that funds help for uninsured disaster victims is 1.5% of non-life premiums, up from 1%.
- Not yet law. Bill 36.26, which would open the way to micro-insurance and to online sale, was in public consultation in mid-2026.
All guides
Start here
Types of cover
- Car and motorbikeCompulsory liability cover, optional guarantees, prices, the CRM, and what to do after an accident.
- Home insuranceWhat a home policy covers, what tenants, owners and landlords should insure, and how to avoid being under-insured.
- Health and AMOWhich compulsory scheme you belong to, what it refunds, what it costs, and when a complementary policy is worth it.
- Life and savingsDeath and disability cover to protect a family, savings contracts, your legal rights and the tax rules.
- Loan insuranceThe death and disability cover banks require with a mortgage or a consumer loan: what it pays, what it costs and your rights.
- RetirementThe compulsory schemes, how the CNSS pension is calculated in 2026, top-up schemes and retirement savings with tax relief.
- Travel and assistanceThe cover a Schengen visa requires, what travel assistance really pays, prices, and assistance contracts inside Morocco.
- Family and schoolSchool insurance, personal accident cover, private-life liability, household staff, hunting and leisure.
- Business and professionalsWhat an employer must insure, work accidents, liability, premises and stock, building sites, staff benefits and credit insurance.
- FarmingState-subsidised climate cover for crops, hail, livestock and equipment, the deadlines after a loss, and health cover for farmers.
- Catastrophic eventsThe compulsory guarantee inside your contracts, the solidarity fund for the uninsured, ceilings, deductibles and the steps after a disaster.
- TakafulHow participative insurance works, what you can buy today, how it differs from conventional insurance and who sells it.
Help and tools
- Claims and complaintsWhat to do after an accident, a fire, a theft or a refusal: the steps, the deadlines, model letters and where to complain.
- Get quotesWhere to ask for a quote, a ready-to-send request in French, Arabic or English, and how to compare the answers.
- Insurers and contactsEvery licensed company by type of cover, the public funds, and where to complain.
- CalculatorsSix quick estimates: car premium after an accident, AMO refund, payslip, CNSS pension, under-insurance and catastrophe payout.
- QuestionsShort answers to the questions people ask most, with links to the full guides.
- GlossaryThe words printed on contracts, in three languages, with plain definitions.
- AboutWho this guide is for, how it was checked, and what it cannot do for you.
Tools and help
Six calculators estimate a car premium after an accident, an AMO refund, payslip deductions, a CNSS pension, the effect of under-insurance and a catastrophe payout. The claims guide gives the steps and deadlines after an accident, a fire or a refusal. The directory lists every licensed insurer and the public bodies that can help you. The quotes page links to insurers' online quotes and writes one request you can send to several agents at once.