--- title: "About this guide" description: "Who Assurlik is for, how its facts were checked against the law and the official texts, and what it cannot do for you." url: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/about/ language: en translations: fr: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/fr/a-propos/ ar: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/ar/about/ last_checked: 2026-10 publisher: "Assurlik" --- # About this guide This is an independent information guide. It sells nothing, ranks no company and takes no commission. It explains the rules as they stood in October 2026. ## What this guide is This guide explains insurance in Morocco to the people who pay for it: what the law requires, what each contract covers, what it costs, and what to do when something goes wrong. - **Independent.** It is not an insurer, a broker, a comparison site or an official body. It is not affiliated with ACAPS, with any public fund or with any company named in its pages. - **For everyone.** Residents, Moroccans living abroad and foreigners in Morocco. The same content is available in English, French and Arabic. - **Practical.** Each guide says who needs the cover, what it pays, what to check before signing and how to claim. - **Private.** There is no account, and nothing you type is sent to the guide. Your language and the boxes you tick in the questionnaire are stored only in your own browser. Advertising cookies are explained in [Privacy and cookies](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/privacy/#advertising-and-cookies). It does not give quotes, and it does not rank insurers by price or quality. Prices depend on your profile and change often, and no public source measures how each company handles claims. ## How it was checked Every rule and figure was checked against the law and the official texts, and the legal text was preferred whenever two documents disagreed. For example, some documents still give 20 days to declare damage from a catastrophic event. The guide uses 60 days, the time limit set by law 43-24. Prices are marked as indicative wherever they appear. They come from published price lists and quotes, and they show an order of magnitude. ## Limits - **General information.** This guide is not legal, tax or financial advice, and it does not know your situation. - **Your contract comes first.** Guarantees, exclusions, ceilings and deductibles differ from one insurer to another. What is written in your special conditions prevails over any general explanation. - **Rules change.** A finance law changes tax rules every January, premiums for motor liability are due to rise each year until 2030, public-sector AMO is due to move to CNSS in early 2027, and a reform of the Insurance Code was in consultation in 2026. This guide reflects the rules as they stood in October 2026. - **Some points are uncertain.** A few rules could not be confirmed from an official text and are worded with care: the insurance of co-owned buildings, the status of electric scooters, and the timetable of the pension scheme for the self-employed. Ask the body concerned. - **Languages.** Contracts and laws are written in French and Arabic. The English terms are translations, given with the French term whenever it is the one printed on your contract. Before any decision that matters, confirm with your insurer, your fund or ACAPS. ## Funding and independence The guide is free to read. It is paid for by advertising shown by Google AdSense, labelled as advertising and kept apart from the text. - **No paid content.** No insurer, broker or bank pays to appear, to be ranked or to be described in a certain way, and the guide earns no commission on any contract. - **Ads do not shape the guide.** The guide does not choose individual ads, and an ad is not a recommendation. - **Illustrations.** The photographs are illustrations created with an AI image tool. The people in them are not real. - **Corrections.** Reported mistakes are checked against the official text and fixed. Each page shows the date it was last updated. See [Privacy and cookies](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/privacy/), the [terms of use](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/terms-of-use/) and the [legal notice and contact](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/legal-notice/). ## Official sources - [ACAPS](https://www.acaps.ma): The insurance regulator: licensed companies and rules - [Educaps](https://www.educaps.ma): Plain-language guides from ACAPS - [Médiateur de l'Assurance](https://www.mediateurassurance.ma): Free mediation between you and your insurer ## Related guides - [How insurance works](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/how-insurance-works/) - [Questions](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/faq/) - [Insurers and contacts](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/insurance-companies/)