Luxury / premium car insurance
Examples: BMW 5/7 Series, Mercedes E/S Class, Audi A6/A8, Range Rover
Luxury vehicles (> 800K MAD) have very high insurance premiums (15-35K MAD/year) but extended guarantees. Premium insurers: AXA, Allianz, Wafa. 'Equivalent replacement vehicle' option in case of claim.
2026 indicative premiums
TPL (civil liability)
6 000 MAD
/an
Third party
14 000 MAD
/an
All-Risk
28 000 MAD
/an
Specific risks
- Professional theft (sought-after target)
- Very high repair costs (imported parts)
- Asset value: rapid depreciation
- Increased liability in case of accident (affluent driver)
Recommended coverage
Maximum All-Risk with 36-month new value. GPS tracker + guarding during holidays. Premium replacement vehicle (BMW 3 Series minimum). Complete international assistance (Europe + North Africa).
Pricing factors
- Market value (1-5M MAD)
- High tax horsepower (15-25 CV)
- Driver history (rigorous)
- Vehicle type (highly sought by thieves)
Saving tips
- Limit to 1 main driver only
- Anti-theft GPS tracker (10-15% reduction)
- 20,000 MAD deductible (−25% on premium)
- Bundle with premium private policy (home + yacht + collection): −30%
Recommended insurers
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