Insurers and useful contacts
This directory lists the companies licensed by ACAPS and the public bodies you may need. It does not rank them, and no one paid to appear here.
Licensed companies and public bodies
Choose a need to see who covers it. Each card gives the type of company, the group it belongs to and its official website when one could be confirmed.
Life and non-life insurer
Wafa Assurance
Attijariwafa bank group
Largest insurer by premiums in 2025, with 19.8% of the market. Sold by its own agents, by brokers and in Attijariwafa bank branches.
Life and non-life insurer
RMA
O Capital Group, sister company of Bank of Africa
Second by premiums in 2025 (14.8%). Agents, brokers and Bank of Africa branches.
Life and non-life insurer
SanlamAllianz Maroc
SanlamAllianz group
Formerly Sanlam Maroc. Absorbed Allianz Maroc on 2 July 2026, now trades as SanlamAllianz and is the largest non-life insurer. Contracts signed with Sanlam Maroc or Allianz Maroc continue unchanged.
Life and non-life insurer
AXA Assurance Maroc
AXA group
11.2% of the market in 2025. Sold by exclusive agents, brokers and partner banks.
Life and non-life insurer
AtlantaSanad
Holmarcom group
Born from the merger of Atlanta and Sanad. 9.4% of the market in 2025.
Life and non-life insurer
MCMA
Mutual insurer, MAMDA-MCMA group
Mutuelle Centrale Marocaine d'Assurances. A mutual: policyholders are members. Cover for individuals, professionals and businesses.
Non-life insurer
MAMDA
Mutual insurer, MAMDA-MCMA group
Mutuelle Agricole Marocaine d'Assurances, the farmers' insurer. It runs the State-subsidised climate cover for cereals and pulses.
Non-life insurer
CAT Assurance et Réassurance
Compagnie d'Assurance Transport. Insures public passenger transport, and sells frontier insurance for foreign vehicles at every border post.
Non-life insurer
MATU
Mutual insurer
Mutuelle d'Assurances des Transporteurs Unis. The mutual of taxi, coach and road-transport operators.
Life insurer
La Marocaine Vie
Saham group since December 2024
Life, savings, retirement and health cover, sold in Saham Bank branches (formerly Société Générale Maroc) and by brokers.
Life insurer
Mutuelle Attamine Chaabi
Banque Populaire group and MCMA
Life, savings and loan cover sold in Banque Populaire branches. First life insurer in 2025, with about 28% of life premiums.
Assistance company
Maroc Assistance Internationale (MAI)
Banque Populaire group
Travel assistance for visas, car and medical assistance in Morocco, and the Injad Achamil contract for Moroccans living abroad.
Assistance company
Wafa IMA Assistance
Wafa Assurance and Inter Mutuelles Assistance
Travel, car and medical assistance, and the Injad Sans Frontière contract for Moroccans living abroad.
Assistance company
Africa First Assist
SanlamAllianz group
Travel assistance, roadside and medical assistance, sold with SanlamAllianz contracts and on its own.
Assistance company
RMA Assistance
RMA group
Assistance contracts sold with RMA policies and in Bank of Africa branches.
Assistance company
Cover Edge
Formerly AXA Assistance Maroc
Travel assistance with an online quote and purchase, and certificates accepted for Schengen visas. Car assistance too.
Credit insurer
SMAEX
Société Marocaine d'Assurance à l'Exportation. Insures exporters against non-payment by foreign buyers, including cover backed by the State.
Credit insurer
Allianz Trade (Euler Hermes Acmar)
Allianz group
Credit insurance: pays when a business customer in Morocco or abroad does not pay its invoices.
Credit insurer
Coface Maroc
Coface group
Credit insurance and information on the solvency of business customers.
Reinsurer
Atlantic Re
CDG group, formerly Société Centrale de Réassurance (SCR)
Insures the insurers. It does not sell to the public.
Takaful operator
Wafa Takaful
Wafa Assurance
Takaful cover for participative financing (death and disability, building), and Takaful savings.
Takaful operator
Takafulia Assurances
Holmarcom group
Largest Takaful operator by contributions in 2025. Family and general Takaful.
Takaful operator
Taawouniyate Taamine Takafuli
MCMA and Banque Populaire group
Mutual Takaful operator. Cover tied to participative financing, and savings.
Takaful operator
Al Maghribia Takaful
La Marocaine Vie
Takaful cover tied to participative financing, and Takaful savings.
Public body or fund
ACAPS
Autorité de Contrôle des Assurances et de la Prévoyance Sociale, the regulator. It licenses insurers, agents and brokers, publishes the official lists and receives complaints. Avenue Al Araar, Hay Riad, Rabat.
acaps.ma 05 38 06 08 18
Help and complaints
ACAPS · Réclamations
Online platform for filing a complaint against an insurer or an intermediary, free of charge. Use it after you have written to the insurer.
Help and complaints
ACAPS · Intermédiaires
Public map of licensed agents and brokers. Check here that the office you are dealing with is authorised.
Help and complaints
Médiateur de l'Assurance
Free mediation between policyholders and insurers, once the insurer's own complaints process has failed. Disputes from 2,000 MAD (above 5,000 MAD for health claims). Its opinion binds the insurer up to 50,000 MAD. 154 boulevard d'Anfa, Casablanca.
Help and complaints
Educaps
ACAPS financial-education site: plain-language guides to contracts, rights and claims.
Public body or fund
CNSS
Caisse Nationale de Sécurité Sociale. Runs AMO for employees, the self-employed, AMO Tadamon and AMO Achamil, plus family allowances and private-sector pensions. Your online account is on macnss.ma.
cnss.ma 3939
Public body or fund
CNOPS
Caisse Nationale des Organismes de Prévoyance Sociale. Runs AMO for public-sector staff with its mutual societies until the transfer to CNSS planned for early 2027.
Public body or fund
ANAM
Agence Nationale de l'Assurance Maladie. Publishes the national reference tariffs and the guide of reimbursable medicines.
Public body or fund
RSU
Registre Social Unifié. Your household score in this register decides whether you qualify for AMO Tadamon and how much you pay under AMO Achamil.
Public body or fund
CIMR
Caisse Interprofessionnelle Marocaine de Retraites. Complementary pension for private-sector employees, by points, joined through the employer or individually.
Public body or fund
CMR
Caisse Marocaine des Retraites. Pension scheme of civil servants and the military, and the optional Attakmili top-up.
Public body or fund
RCAR
Régime Collectif d'Allocation de Retraite. Pension scheme of public establishments and contract staff of the State.
Public body or fund
FSEC
Fonds de Solidarité contre les Événements Catastrophiques. Compensates people without insurance for injuries and for the loss of their main home after an event declared catastrophic.
Public body or fund
FGAC
Fonds de Garantie des Accidents de la Circulation. Pays for bodily injury when the driver at fault is unknown, or uninsured and unable to pay.
Professional body
BCMA
Bureau Central Marocain des Sociétés d'Assurances, the green-card bureau. It handles accidents caused in Morocco by foreign vehicles and issues green cards through insurers. 154 boulevard d'Anfa, Casablanca.
bcma.ma +212 5 22 39 18 57
Professional body
Fédération Marocaine de l'Assurance (FMA)
Trade body of insurers. It runs the market conventions that speed up car claims, such as the accident report form and direct compensation.
No entry in this category.
Companies that offer an online quote have a link on their card. To ask several at once, use the quote request.
How to check a company or an intermediary
- The insurer. Look for its name in the list of licensed companies published by ACAPS. A company that is not on the list cannot insure a risk located in Morocco.
- The agent or broker. Find the office on the ACAPS map of intermediaries. The licence must be displayed in the office, and the name on your receipt must match it.
- The certificate. A motor certificate issued since 1 July 2026 carries a QR code. Scan it: it must show your vehicle and your dates.
- The payment. Pay the company or the licensed office, never a private person, and keep a receipt that states the contract number.
- Online. Buy on the insurer's official website or app. Offers of cheap insurance through social networks or messaging apps are a common source of forged certificates.
Warning signs
- A price far below every other quote
- A certificate with no contract behind it
- Payment asked to a personal account or a mobile wallet
- Pressure to pay today
- A seller who cannot show a licence
If you think you were sold a forged policy, contact the insurer named on the document, report it to ACAPS and file a complaint with the police. Until you hold a real contract, you are not insured.
The market at a glance
- Premiums in 2025
- 64.3 billion MADup 7.9% on 2024
- Life and savings
- 29.5 billion MAD
- Non-life
- 34.8 billion MADof which motor about 16.2 billion MAD
- Agents and brokers
- 2,462at 31 March 2026
Where the premiums came from in 2025
Total premiums written: 64.3 billion MAD
- Life and savings 29.5 billion MAD
- Other non-life 18.6 billion MAD
- Motor 16.2 billion MAD
| Insurer | Share of premiums in 2025 |
|---|---|
| Wafa Assurance | 19.8% |
| RMA | 14.8% |
| Mutuelle Attamine Chaabi | 12.9% |
| AXA Assurance Maroc | 11.2% |
| SanlamAllianz | 9.6% |
| AtlantaSanad | 9.4% |
| MCMA | 4.6% |
| La Marocaine Vie | 3.95% |
Sanlam Maroc absorbed Allianz Maroc on 2 July 2026. Together they hold about 14% of the market and about 23% of non-life premiums, the largest share in that segment.
How to compare insurers
Size says nothing about how a company will treat your claim. Compare what you can check.
- The contract. The same guarantees, ceilings and deductibles, side by side.
- The full price. Taxes and fees included, for the same sums insured.
- The service. An office near you, a network of garages or clinics paid directly, a claims line that answers.
- The intermediary. The person who will handle your file matters as much as the logo on the contract.