Used / imported car insurance
Examples: German imports (used BMW, Mercedes), 3-10 year vehicles
Used market represents 60% of Morocco auto sales. European imports (> 3 years) benefit from moderate insurance premiums. Beware vehicles without history (overvaluation risk).
2026 indicative premiums
TPL (civil liability)
2 500 MAD
/an
Third party
4 500 MAD
/an
All-Risk
7 000 MAD
/an
Specific risks
- Declared value vs actual value (beware fraud)
- Unknown accident history (import)
- Spare parts harder to find
- Average reliability (models > 100,000 km)
Recommended coverage
Third party suffices for used > 5 years. All-Risk if vehicle 3-5 years and < 80,000 km. Verify reimbursement value in total loss (often discounted). Paid 'enhanced value' option useful for recent imports.
Pricing factors
- Vehicle age (depreciation)
- Mileage (> 150K: increased premium)
- Origin (Dubai, Europe, USA)
- Moroccan vs foreign registration card
Saving tips
- Truthfully declare circulation year
- Clean 3-year history = retention bonus
- Independent appraisal before purchase (avoid overvalued)
- Change insurer every 3 years to benefit from acquisition promos
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