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Car premium after an accident

Car: reduction and surcharge on your liability premium

Insurers share a single claims record for every driver, the CRM. It lowers the liability premium by 10% for careful drivers and raises it after at-fault accidents.

Liability premium before reduction or surcharge (MAD per year)

Insured for 24 months in a row with no at-fault accident

At-fault accidents with material damage only, last 12 months

Accidents with injuries, last 12 months

Use of the vehicle

Estimate based on the market-wide CRM convention. The coefficient applies to the compulsory liability part of the premium. Your insurer's statement is the reference.

How the reduction and surcharge work

AMO refund

Health: what AMO pays back

AMO refunds a percentage of a reference tariff, not of the bill. Enter a real bill to see what is left for you, with or without complementary cover.

What you paid (MAD)

Reference tariff for this act (MAD)For example 80 MAD for a general practitioner and 150 MAD for a specialist under the national convention. Ask the practitioner or your fund.

Your AMO rate

Complementary cover: % of what is leftLeave 0 if you have none. Many contracts refund 80% to 95% of what remains, within yearly limits.

Simplified. Medicines are refunded on the price of the reimbursable product, and ceilings apply to glasses and dental prostheses.

What AMO reimburses

Step by stepYour AMO refund, step by step

Payslip deductions

Payslip: CNSS and AMO contributions

For a private-sector employee. The pension and benefits contribution stops at a salary of 6,000 MAD; the health contribution applies to the whole salary.

Gross monthly salary (MAD)

Contributions explained

CNSS pension

CNSS old-age pension

Private-sector scheme, at age 60, after you stop salaried work.

Days of contributionsA full month counts 26 days. Your record is on macnss.ma.

Average monthly salary declared over the last 96 months (MAD)

Estimate. CNSS computes the exact amount from your declared salaries.

The CNSS pension rules in 2026

Under-insurance

Under-insurance: the proportional rule

If you declare a lower value than your property is really worth, the insurer reduces every payout in the same proportion, even for a small loss.

Real value of the insured property (MAD)

Sum insured in the contract (MAD)

Amount of the loss (MAD)

Deductible (MAD)

How to set the sums insured

Catastrophic events

Catastrophic events: what the guarantee would pay

For insured property hit by an earthquake, a flood or another event officially declared catastrophic. The deductibles and ceilings are set by regulation.

Type of property

Amount of the damage (MAD)

Ceilings and deductibles