---
title: "Insurance in Morocco, explained"
description: "Independent guide to insurance in Morocco in English, French and Arabic: what the law requires, what each contract pays, 2026 prices, claims and complaints."
url: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/
language: en
translations:
  fr: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/fr/
  ar: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/ar/
last_checked: 2026-10
publisher: "Assurlik"
---
# 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.

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 insurance do I need?](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/find-your-insurance/)

## 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](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/car-insurance/) |
| Basic health cover (AMO) | Every resident, through the scheme that matches their work | [Health and AMO](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/) |
| Work-accident insurance | Every employer, for all staff, including household staff | [Business and professionals](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/business-insurance/) |
| CNSS registration | Every private-sector employer, for every employee | [Retirement](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/retirement-pension/) |
| Site insurance and ten-year liability | Larger building projects | [Business and professionals](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/business-insurance/) |
| Green card or frontier insurance | Foreign-registered vehicles entering Morocco | [Living abroad, visiting](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/moroccans-abroad/) |
| School insurance | Schools, for their pupils | [Family and school](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/family-school-insurance/) |
| Hunting liability | Every hunter, to obtain the permit | [Family and school](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/family-school-insurance/) |

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.

- **Premiums written in 2025:** 64.3 billion MAD — up 7.9% on 2024
- **Minimum motor liability cover:** 50 million MAD — per 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 days — 60 days for a catastrophic event

## 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](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/retirement-pension/#tax).
- **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**

- [Find what you need](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/find-your-insurance/): Tick what describes you and get your list of covers, in order of priority.
- [How insurance works](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/how-insurance-works/): Who sells and who supervises, how a price is built, and your rights before, during and after a contract.

**Types of cover**

- [Car and motorbike](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/car-insurance/): Compulsory liability cover, optional guarantees, prices, the CRM, and what to do after an accident.
- [Home insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/home-insurance/): What a home policy covers, what tenants, owners and landlords should insure, and how to avoid being under-insured.
- [Health and AMO](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/): Which compulsory scheme you belong to, what it refunds, what it costs, and when a complementary policy is worth it.
- [Life and savings](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/life-insurance/): Death and disability cover to protect a family, savings contracts, your legal rights and the tax rules.
- [Loan insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/loan-insurance/): The death and disability cover banks require with a mortgage or a consumer loan: what it pays, what it costs and your rights.
- [Retirement](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/retirement-pension/): The compulsory schemes, how the CNSS pension is calculated in 2026, top-up schemes and retirement savings with tax relief.
- [Travel and assistance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/travel-insurance/): The cover a Schengen visa requires, what travel assistance really pays, prices, and assistance contracts inside Morocco.
- [Family and school](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/family-school-insurance/): School insurance, personal accident cover, private-life liability, household staff, hunting and leisure.
- [Business and professionals](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/business-insurance/): What an employer must insure, work accidents, liability, premises and stock, building sites, staff benefits and credit insurance.
- [Farming](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/farm-insurance/): State-subsidised climate cover for crops, hail, livestock and equipment, the deadlines after a loss, and health cover for farmers.
- [Catastrophic events](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/earthquake-flood-insurance/): The compulsory guarantee inside your contracts, the solidarity fund for the uninsured, ceilings, deductibles and the steps after a disaster.
- [Takaful](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/takaful/): How participative insurance works, what you can buy today, how it differs from conventional insurance and who sells it.

**Your situation**

- [Living abroad, visiting](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/moroccans-abroad/): Driving a foreign car into Morocco, repatriation contracts, insuring a home you leave empty, health care during a stay, and cover for foreign residents.

**Help and tools**

- [Claims and complaints](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/claims-complaints/): What to do after an accident, a fire, a theft or a refusal: the steps, the deadlines, model letters and where to complain.
- [Get quotes](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/insurance-quotes/): Where to ask for a quote, a ready-to-send request in French, Arabic or English, and how to compare the answers.
- [Insurers and contacts](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/insurance-companies/): Every licensed company by type of cover, the public funds, and where to complain.
- [Calculators](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/calculators/): Six quick estimates: car premium after an accident, AMO refund, payslip, CNSS pension, under-insurance and catastrophe payout.
- [Questions](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/faq/): Short answers to the questions people ask most, with links to the full guides.
- [Glossary](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/glossary/): The words printed on contracts, in three languages, with plain definitions.
- [About](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/about/): Who 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.

→ [Open the calculators](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/calculators/)

→ [Get and compare quotes](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/insurance-quotes/)

→ [What to do after a loss](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/claims-complaints/)

→ [Insurers and useful contacts](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/insurance-companies/)