Utility / van insurance
Examples: Renault Kangoo, Peugeot Partner, Ford Transit, Fiat Ducato
Utilities serve professionals (goods transport, craftsmen). Insurance dimensioned per tonnage and use. 'Fleet' plans available from 5 vehicles (−15%).
2026 indicative premiums
TPL (civil liability)
3 500 MAD
/an
Third party
6 200 MAD
/an
All-Risk
9 500 MAD
/an
Specific risks
- Loading-related accidents (overload, poorly secured)
- Theft of professional tools in vehicle
- Claims related to intensive use (mileage 40-60K/year)
- Goods transport liability
Recommended coverage
Mandatory professional guarantee (commercial use). 'Contents' coverage for tools (5-20K MAD). Extended glass breakage (frequent over long distances). On-site breakdown assistance with goods repatriation.
Pricing factors
- Tonnage (useful load)
- Use (urban delivery vs long distance)
- Nature of transported goods
- Number of drivers (team)
Saving tips
- Fleet 5+ vehicles: −15%
- Driver eco-driving training: −5%
- Connected telematics box: −10%
- Certified regular maintenance: bonus on renewal
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