How insurance works in Morocco

Who does what

At 31 March 2026 Morocco had 1,859 agents, 603 brokers and 1,036 offices run directly by insurers. Some cash-transfer agencies also sell a few simple, low-cost contracts.

Where to buy

Before you pay, check that the seller is licensed. ACAPS publishes the list of insurers and a map of agents and brokers: see how to check a company or an intermediary. Always get a receipt, and never pay an individual's personal account.

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How a premium is built

The price you pay has four layers.

1. The cost of the risk. What claims like yours cost on average, given your profile.
2. The insurer's costs and the seller's commission. With the first layer they form the net premium.
3. Policy fees. A fixed amount for issuing the contract.
4. Taxes and levies. Collected by the insurer for the State.

Non-life contracts also bear a solidarity levy of 1.5% that funds help for uninsured disaster victims, and motor and property contracts include the premium of the catastrophic-events guarantee: see what it adds to your premium.

Two people rarely pay the same price. The insurer weighs what you declare: the vehicle or the property, its use and location, your age, your claims record, the sums insured and the deductibles you choose.

Before you sign

The law puts duties on both sides before the contract starts.

• The insurer must inform you. Before you commit, it must give you a notice with the price, the guarantees and the exclusions.
• The contract must be written and readable. Clauses that exclude a risk, void the contract or strip you of a payout count only if they are printed in very apparent characters.
• You must answer truthfully. The insurer prices the risk from your answers. A false statement made in bad faith voids the contract and the insurer keeps the premiums. An honest mistake reduces the payout in proportion to the premium you should have paid.
• Arbitration cannot be imposed on you. A clause sending disputes to arbitration is void unless you expressly accepted it when you signed.

Check these seven points

• The special conditions describe you, your property and your use correctly
• You have found and read the page of exclusions
• You know the deductible and the ceiling for each guarantee
• You know the start date and the renewal date
• You know how, and to whom, a claim must be declared
• You know the notice period to end the contract
• You have a copy of the contract and a receipt for your payment

During the contract

Pay on time

A premium is due on the date written in the contract. The law sets what happens when it is not paid. These steps do not apply to life insurance: see your rights in a life contract.

1. The premium is still unpaid 10 days after the due date.
2. The insurer may send you a formal notice by registered letter.
3. Twenty days after that letter, cover is suspended: a claim that happens now is not paid.
4. Ten days after the suspension begins, the insurer may cancel the contract.
5. If you pay what is owed before cancellation, cover starts again at noon on the day after payment.

Tell the insurer what changes

Your answers at the start must stay true. Report any change that makes a loss more likely: a private car now used for deliveries, a home turned into a shop, building work, a new occupation. The insurer may propose a new premium or end the contract. If the risk goes down, you can ask for a lower premium.

If the same property is insured with several insurers against the same risk, tell each of them. Together they never pay more than the loss.

Any change to the contract is made by a written endorsement, called an avenant. Until it is issued, nothing has changed.

Renewal

Most contracts renew themselves each year unless one side cancels in time. The law limits each automatic renewal to one year.

Ending a contract

At the end of each year of cover you can leave, provided you give the notice written in your contract. The law requires that notice to be between 30 and 90 days.

You may notify the insurer in any of these ways, and you should keep the proof:

• a declaration handed in at the insurer's head office, against a receipt;
• a registered letter;
• a document served by a bailiff;
• any other means your contract allows.

A contract can also end outside the yearly date:

• You sell the insured property. For a vehicle, the contract ends when it is registered in the buyer's name, and the unused premium is refunded.
• The risk disappears or changes. A move, a change of occupation, retirement or the total loss of the property can justify ending the contract.
• After a claim. The insurer may cancel if the contract allows it. You may then cancel your other contracts with that insurer. This does not apply to compulsory motor liability, which cannot be cancelled because of a claim.
• The insurer loses its licence. Its contracts end at noon on the twentieth day after the decision is published, and you can claim back the premium for the unused period.

Model letters for cancelling and complaining

Time limits

The clock starts again from zero when an adjuster is appointed, when you send the insurer a registered letter with acknowledgement of receipt about your payout, or when you go to court. Rights under a Takaful contract are not subject to a time limit.

Words that decide what you are paid

• Deductible (franchise). The part of every loss that stays with you. With a deductible of 2,000 MAD, a loss of 1,500 MAD is not paid at all.
• Ceiling (plafond). The most the insurer pays for one claim or one year.
• Sum insured (capital assuré). The value you declared. If it is below the real value, every payout shrinks in the same proportion.
• Wear and tear (vétusté). The loss of value through age, deducted from the payout unless you bought replacement-value cover.
• Exclusion. A situation the contract does not cover at all.
• Forfeiture (déchéance). Losing the payout for one claim because you did not respect a duty after the loss.
• Waiting period (délai de carence). Time at the start of the contract during which a guarantee does not yet apply.

Test the proportional rule with your own figures

All terms in English, French and Arabic