---
title: "Insurers and useful contacts"
description: "The licensed insurance companies in Morocco, assistance firms, Takaful operators and the public bodies that can help, with websites and contacts."
url: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/insurance-companies/
language: en
translations:
  fr: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/fr/compagnies-assurance/
  ar: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/ar/insurance-companies/
last_checked: 2026-10
publisher: "Assurlik"
---
# 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.

- **Wafa Assurance** (Life and non-life insurer, 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. Website: https://www.wafaassurance.ma.
- **RMA** (Life and non-life insurer, O Capital Group, sister company of Bank of Africa) Second by premiums in 2025 (14.8%). Agents, brokers and Bank of Africa branches. Website: https://www.rmaassurance.com. Online quote: https://direct.rmaassurance.com/.
- **SanlamAllianz Maroc** (Life and non-life insurer, SanlamAllianz group) Absorbed Allianz Maroc on 2 July 2026 and became the largest non-life insurer. Contracts signed with Sanlam Maroc or Allianz Maroc continue unchanged. Website: https://www.sanlamallianz.ma. Online quote: https://souscription-en-ligne.sanlam.ma/assurance-auto-simulation.
- **AXA Assurance Maroc** (Life and non-life insurer, AXA group) 11.2% of the market in 2025. Sold by exclusive agents, brokers and partner banks. Website: https://www.axa.ma. Online quote: https://axa.ma/website-transactional/affaire-nouvelle.
- **AtlantaSanad** (Life and non-life insurer, Holmarcom group) Born from the merger of Atlanta and Sanad. 9.4% of the market in 2025. Website: https://www.atlantasanad.ma.
- **MCMA** (Life and non-life insurer, Mutual insurer, MAMDA-MCMA group) Mutuelle Centrale Marocaine d'Assurances. A mutual: policyholders are members. Cover for individuals, professionals and businesses. Website: https://www.mamda-mcma.ma.
- **MAMDA** (Non-life insurer, Mutual insurer, MAMDA-MCMA group) Mutuelle Agricole Marocaine d'Assurances, the farmers' insurer. It runs the State-subsidised climate cover for cereals and pulses. Website: https://www.mamda-mcma.ma.
- **CAT Assurance et Réassurance** (Non-life insurer) Compagnie d'Assurance Transport. Insures public passenger transport, and sells frontier insurance for foreign vehicles at every border post. Website: https://www.cat.co.ma.
- **MATU** (Non-life insurer, Mutual insurer) Mutuelle d'Assurances des Transporteurs Unis. The mutual of taxi, coach and road-transport operators. Website: https://www.matu-assurance.ma.
- **La Marocaine Vie** (Life insurer, Saham group since December 2024) Life, savings, retirement and health cover, sold in Saham Bank branches (formerly Société Générale Maroc) and by brokers. Website: https://www.lamarocainevie.com.
- **Mutuelle Attamine Chaabi** (Life insurer, 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.
- **Maroc Assistance Internationale (MAI)** (Assistance company, Banque Populaire group) Travel assistance for visas, car and medical assistance in Morocco, and the Injad Achamil contract for Moroccans living abroad. Website: https://www.mai.co.ma. Online quote: https://www.mai.co.ma/souscription-en-ligne.
- **Wafa IMA Assistance** (Assistance company, Wafa Assurance and Inter Mutuelles Assistance) Travel, car and medical assistance, and the Injad Sans Frontière contract for Moroccans living abroad. Website: https://www.wafaimaassistance.com.
- **Africa First Assist** (Assistance company, SanlamAllianz group) Travel assistance, roadside and medical assistance, sold with SanlamAllianz contracts and on its own. Website: https://www.africafirstassist.com. Online quote: https://voyage.africafirstassist.com.
- **RMA Assistance** (Assistance company, RMA group) Assistance contracts sold with RMA policies and in Bank of Africa branches. Website: https://www.rmaassistance.com. Online quote: https://direct.rmaassistance.com/souscription.
- **Cover Edge** (Assistance company, Formerly AXA Assistance Maroc) Travel assistance with an online quote and purchase, and certificates accepted for Schengen visas. Car assistance too. Website: https://voyage.cover-edge.com.
- **SMAEX** (Credit insurer) Société Marocaine d'Assurance à l'Exportation. Insures exporters against non-payment by foreign buyers, including cover backed by the State. Website: https://www.smaex.com.
- **Allianz Trade (Euler Hermes Acmar)** (Credit insurer, Allianz group) Credit insurance: pays when a business customer in Morocco or abroad does not pay its invoices. Website: https://www.allianz-trade.com/fr_MA.
- **Coface Maroc** (Credit insurer, Coface group) Credit insurance and information on the solvency of business customers.
- **Atlantic Re** (Reinsurer, CDG group, formerly Société Centrale de Réassurance (SCR)) Insures the insurers. It does not sell to the public.
- **Wafa Takaful** (Takaful operator, Wafa Assurance) Takaful cover for participative financing (death and disability, building), and Takaful savings.
- **Takafulia Assurances** (Takaful operator, Holmarcom group) Largest Takaful operator by contributions in 2025. Family and general Takaful.
- **Taawouniyate Taamine Takafuli** (Takaful operator, MCMA and Banque Populaire group) Mutual Takaful operator. Cover tied to participative financing, and savings.
- **Al Maghribia Takaful** (Takaful operator, La Marocaine Vie) Takaful cover tied to participative financing, and Takaful savings.
- **ACAPS** (Public body or fund) 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. Website: https://www.acaps.ma. Phone: 05 38 06 08 18.
- **ACAPS · Réclamations** (Help and complaints) Online platform for filing a complaint against an insurer or an intermediary, free of charge. Use it after you have written to the insurer. Website: https://reclamation-assurance.acaps.ma.
- **ACAPS · Intermédiaires** (Help and complaints) Public map of licensed agents and brokers. Check here that the office you are dealing with is authorised. Website: https://echangeear.acaps.ma/sig-public.
- **Médiateur de l'Assurance** (Help and complaints) 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. Website: https://www.mediateurassurance.ma.
- **Educaps** (Help and complaints) ACAPS financial-education site: plain-language guides to contracts, rights and claims. Website: https://www.educaps.ma.
- **CNSS** (Public body or fund) 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. Website: https://www.cnss.ma. Phone: 3939.
- **CNOPS** (Public body or fund) 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. Website: https://www.cnops.org.ma.
- **ANAM** (Public body or fund) Agence Nationale de l'Assurance Maladie. Publishes the national reference tariffs and the guide of reimbursable medicines. Website: https://www.anam.ma.
- **RSU** (Public body or fund) Registre Social Unifié. Your household score in this register decides whether you qualify for AMO Tadamon and how much you pay under AMO Achamil. Website: https://www.rsu.ma.
- **CIMR** (Public body or fund) Caisse Interprofessionnelle Marocaine de Retraites. Complementary pension for private-sector employees, by points, joined through the employer or individually. Website: https://www.cimr.ma.
- **CMR** (Public body or fund) Caisse Marocaine des Retraites. Pension scheme of civil servants and the military, and the optional Attakmili top-up. Website: https://www.cmr.gov.ma.
- **RCAR** (Public body or fund) Régime Collectif d'Allocation de Retraite. Pension scheme of public establishments and contract staff of the State. Website: https://www.rcar.ma.
- **FSEC** (Public body or fund) 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. Website: https://www.evcathimaya.ma.
- **FGAC** (Public body or fund) 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.
- **BCMA** (Professional body) 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. Website: https://www.bcma.ma. Phone: +212 5 22 39 18 57.
- **Fédération Marocaine de l'Assurance (FMA)** (Professional body) Trade body of insurers. It runs the market conventions that speed up car claims, such as the accident report form and direct compensation. Website: https://www.fma.org.ma.

> **Good to know.** A website is shown only when an official address was confirmed in October 2026. For the other companies, ask at a branch of the group or look them up in the ACAPS list.

Companies that offer an online quote have a link on their card. To ask several at once, use [the quote request](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/insurance-quotes/#prepare-your-request).

## How to check a company or an intermediary

1. **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.
2. **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.
3. **The certificate.** A motor certificate issued since 1 July 2026 carries a QR code. Scan it: it must show your vehicle and your dates.
4. **The payment.** Pay the company or the licensed office, never a private person, and keep a receipt that states the contract number.
5. **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 MAD — up 7.9% on 2024
- **Life and savings:** 29.5 billion MAD
- **Non-life:** 34.8 billion MAD — of which motor about 16.2 billion MAD
- **Agents and brokers:** 2,462 — at 31 March 2026

**Diagram: Where the premiums came from in 2025**

- Total premiums written: 64.3 billion MAD
- Life and savings: 29.5 billion MAD
- Motor: 16.2 billion MAD
- Other non-life: 18.6 billion MAD

*Drawn to scale. Non-life adds up to 34.8 billion MAD, motor included.*

| 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.

## Related guides

- [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/)
- [Takaful](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/takaful/)
- [Travel and assistance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/travel-insurance/)