--- title: "Frequent questions" description: "Short answers to the most common insurance questions in Morocco: what is compulsory, prices, cancelling, claims, disputes and special situations." url: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/faq/ language: en translations: fr: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/fr/questions-frequentes/ ar: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/ar/faq/ last_checked: 2026-10 publisher: "Assurlik" --- # Frequent questions Short answers first, with a link to the guide that goes further. If your question is about one type of cover, the questions at the end of that guide are more detailed. ## Getting started ### Which insurance is really compulsory? Motor liability for every vehicle, basic health cover (AMO) for every resident, work-accident insurance and CNSS registration for every employer. Larger building projects, hunters and foreign vehicles entering Morocco have their own obligations. See [what the law makes compulsory](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/#what-the-law-makes-compulsory). ### I am starting my first job. What should I have? Check on macnss.ma that your employer declares you: this opens AMO and your pension rights. If you drive, you need motor liability, and driver protection is worth adding. If you rent, a tenant's home policy costs a few hundred dirhams a year. Ask whether the company has group health and death cover before buying your own. ### We have a mortgage and two children. What matters most? In order: loan insurance on both borrowers, a home policy with realistic sums insured, death and disability cover that goes beyond the loan, complementary health cover, then savings. See [death and disability cover](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/life-insurance/#death-and-disability-cover) and [how to set the sums insured](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/home-insurance/#what-it-costs-and-how-to-set-the-sums-insured). ### I am retired. What should I review? AMO continues, paid for by a contribution on your pension. Keep or join a complementary health policy before the age limit for joining. Check the beneficiary clause of your life contracts, and consider an assistance or funeral contract. See [choosing a complementary policy](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#choosing-a-complementary-policy). ### Agent, broker, bank or website: where should I buy? An agent sells one insurer's contracts and helps at claim time. A broker compares several insurers. A bank is convenient for cover tied to a loan or to savings. A website suits simple contracts. Whatever the channel, check the licence first: see [how to check a company or an intermediary](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/insurance-companies/#how-to-check-a-company-or-an-intermediary). ### What does "all-risks" really mean? Less than the name says. An all-risks car policy pays for damage to your own vehicle whoever is at fault, but it keeps a deductible, a ceiling and a list of exclusions. Read them before you rely on the name. ## Price and payment ### Why did my car insurance go up in 2026? Liability premiums rose by about 5% on 4 August 2026 to finance the higher compensation for victims set by law 70-24, and similar steps are expected each year until 2030. The solidarity levy also rose from 1% to 1.5% in autumn 2025. An accident at fault adds its own surcharge: see [the CRM](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/car-insurance/#reduction-and-surcharge-the-crm). ### What taxes are included in my premium? For most non-life contracts, a 14% insurance tax and a 1.5% solidarity levy, plus the price of the catastrophic-events guarantee on motor and property contracts. Life insurance and work-accident insurance bear no insurance tax. See [how a premium is built](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/how-insurance-works/#how-a-premium-is-built). ### Can I negotiate the price? Insurers set their tariffs freely, so prices differ and quotes can be compared. You can also lower the premium by choosing a higher deductible, by grouping your contracts with one insurer, or through a group contract with your employer. See [getting and comparing quotes](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/insurance-quotes/). ### Is the cheapest contract the best choice? Only if it covers the same things. Put the guarantees, ceilings, deductibles and exclusions side by side before comparing prices. A cheap contract that excludes your main risk is the most expensive one. ### What happens if I miss a payment? Ten days after the due date the insurer may send a formal notice. Twenty days later cover is suspended, and ten days after that the contract can be cancelled. Cover resumes at noon the day after you pay. Life insurance follows other rules. See [during the contract](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/how-insurance-works/#during-the-contract). ### Can I pay monthly? Some insurers and banks allow it, sometimes at a small extra cost. Cover depends on each instalment being paid on time. ## Contracts and cancelling ### How do I cancel a contract? At the end of each year of cover, by giving the notice written in your contract, which the law sets between 30 and 90 days. Use a registered letter or hand in a declaration against a receipt. A model letter is in [letters that work](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/claims-complaints/#letters-that-work). ### Does my contract renew by itself? Usually yes, for one year at a time, unless you or the insurer cancel within the notice period. Note the date somewhere you will see it. ### I sold my car. What happens to the insurance? The contract ends when the vehicle is registered in the buyer's name, and the insurer refunds the premium for the period left. Tell the insurer the date of sale, or ask to move the contract to your next car. ### Can the insurer cancel my contract? Yes, for non-payment, for a false statement, when the risk gets worse, or after a claim if the contract provides for it. Compulsory motor liability cannot be cancelled because of a claim. ### I gave a wrong answer on the questionnaire. What should I do? Tell the insurer now, in writing. An honest mistake corrected before a claim leads to an adjusted premium. Discovered after a claim, it reduces the payout. A deliberate false statement voids the contract. ### Can I insure the same thing twice? For property, you can never be paid more than your loss, and you must tell each insurer about the other. Fixed sums paid for death, disability or personal accident are different: they add up. ## Claims and disputes ### How long do I have to declare a claim? Five days from the day you learn of it, unless your contract gives more. Theft usually has a shorter limit, and a catastrophic event has 60 days. See [time limits](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/how-insurance-works/#time-limits). ### The insurer does not answer. What can I do? Send a registered letter with acknowledgement of receipt to its complaints department. Without a satisfactory answer, refer the matter to the Insurance Mediator and file a complaint on the ACAPS platform. Both are free. See [if you disagree with the insurer](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/claims-complaints/#if-you-disagree-with-the-insurer). ### The insurer offers less than my loss. Why? The usual reasons are the deductible, the deduction for age, a ceiling, or a sum insured below the real value. Ask for the detailed calculation and the adjuster's report. If you still disagree, appoint your own adjuster. ### Can I choose my own garage? In most contracts, yes. Using a garage approved by the insurer usually means you do not pay the repairer yourself. Check what your contract says before the repair. ### My insurer has merged with another. Is my contract still valid? Yes. The contracts of an absorbed company continue with the company that takes it over, on the same terms until their next renewal. This is the case for Allianz Maroc contracts, now with SanlamAllianz. ### Do I need a lawyer? Not for a complaint, the Mediator or ACAPS. In court a lawyer is usual, and for serious injuries it is wise to consult one before accepting any offer. ## Special situations ### I live abroad, or I am a foreigner in Morocco. Where do I start? With [Living abroad, visiting](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/moroccans-abroad/): it covers foreign-registered cars, repatriation contracts, homes left empty and health care for visitors and residents. ### I want cover that follows Sharia rules. What exists? Takaful cover for participative financing and Takaful savings, sold by four licensed operators through participative banks. See [Takaful](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/takaful/). ### My income is low. What protection can I get? AMO Tadamon gives basic health cover free of charge to households that qualify through the Registre Social Unifié. Small farmers receive a State subsidy of up to 90% on climate insurance. Some banks and cash-transfer agencies sell simple, low-cost accident and assistance contracts. ### Is there insurance against losing my job? CNSS pays a loss-of-employment allowance, for up to six months, to employees who lose their job involuntarily and have contributed long enough. Ask CNSS for the conditions as soon as your contract ends. Private insurance for job loss is rare. ### Are insurance payouts taxed? Compensation for a loss is not income. Payouts from life and savings contracts held for at least eight years are exempt from income tax, and basic retirement pensions have been exempt since 1 January 2026. See [tax rules](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/life-insurance/#tax-rules). ### I drive an electric car. Is anything different? Liability cover is compulsory in the same way. For your own car, check that the battery, the charging cable and a home charging unit are covered, and that assistance can tow the car to a garage able to repair it. ### Does my insurance cover an earthquake or a flood? Every motor and property contract includes a guarantee for events officially declared catastrophic. People without insurance receive limited help from a public fund. See [Catastrophic events](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/earthquake-flood-insurance/). ## Official sources - [ACAPS](https://www.acaps.ma): The insurance regulator: licensed companies and rules - [Médiateur de l'Assurance](https://www.mediateurassurance.ma): Free mediation between you and your insurer - [CNSS](https://www.cnss.ma): AMO, family allowances and private-sector pensions - [Educaps](https://www.educaps.ma): Plain-language guides from ACAPS ## Related guides - [Find what you need](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/find-your-insurance/) - [How insurance works](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/how-insurance-works/) - [Claims and complaints](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/claims-complaints/) - [Glossary](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/glossary/)