Fleet auto insurance
For whom?: Companies owning 5+ vehicles (transporters, commercials, taxis) — Annual premium: 15,000-500,000 MAD/an
Fleet insurance groups all company vehicles under single contract with negotiated terms. 15-25% savings vs individual contracts. Simplified management (single deadline, one contact). Mandatory like any vehicle.
Coverage details
À la carte plans: TPL (mandatory CL), Third party, All-Risk. Fleet options: driver protection (all pool employees), breakdown assistance, replacement vehicle. Management by monthly or annual statement.
Legal framework
Mandatory CL coverage for any vehicle (Moroccan insurance code). Public passenger transport companies must subscribe to reinforced guarantees per transport decree.
Claim examples
- Transporter: truck collision + damaged freight, fleet + cargo compensation
- Fleet taxi: driver accident, temporary vehicle replacement
- Company with 20 commercial vehicles: multiple windshield breakage managed in one file
- LLD rental: vehicle theft, replacement within 48h
Exclusions
- Unauthorized driver or invalid license
- Driving under influence of alcohol/drugs
- Undeclared commercial use (e.g. taxi with personal contract)
- Damages prior to subscription
2026 taxation
100% deductible premium as operating expense. 20% VAT recoverable. Deductible on claims also deductible. Repair compensation reintegrated or neutralized per accounting treatment.
How to subscribe
Provide complete vehicle listing (registration, drivers, use). 3-year claims history. Rate negotiation with 2-3 insurers. Sign framework contract + amendments per vehicle added/removed during year.
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