Motorcycle insurance Morocco requirement rates comparison 2026
Motorcycle insurance is mandatory in Morocco — and essential given the country's road safety statistics. This guide explains legal requirements, coverage types, rates by engine size, a comparison of 5 insurers, and specific tips for young riders.
Legal Obligation
Under Moroccan Road Code (Code de la Route), all motorised two-wheelers — from 50cc scooters to large motorcycles — must carry at minimum third-party civil liability insurance (RC tiers). This covers bodily injury and property damage caused to third parties. Riding without insurance is a criminal offence carrying a fine of 1,000–3,000 MAD and potential bike seizure.
Important for Moped Riders
This obligation applies to all motorised two-wheelers, including 50cc mopeds and electric scooters with a top speed over 25 km/h. An electric bicycle governed below 25 km/h does not require insurance.
Types of Coverage
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Third-Party Only | Damage and injury to others only | Old bikes under 15,000 MAD |
| Third-Party + Theft/Fire | RC + theft and fire cover | Mid-value bikes in urban areas |
| Comprehensive | RC + own damage + theft + fire + personal accident for rider | New or financed bikes, high-value motorcycles |
Rates by Engine Size
| Engine Size | Third-Party | Extended | Comprehensive |
|---|---|---|---|
| 50cc moped / scooter | 250–400 MAD | 400–600 MAD | 700–1,200 MAD |
| 125cc | 400–600 MAD | 650–900 MAD | 1,000–1,800 MAD |
| 250–400cc | 600–900 MAD | 900–1,400 MAD | 1,800–3,500 MAD |
| 600–1000cc | 1,000–1,500 MAD | 1,600–2,500 MAD | 3,500–8,000 MAD |
| >1000cc | 1,500–2,500 MAD | 2,500–4,000 MAD | 5,000–12,000 MAD |
* Indicative rates for standard profiles. Young riders (under 25) and those with less than 2 years' licence pay surcharges of 20–50%.
Comparison of 5 Insurers
| Insurer | 3rd Party From | Online Quote | Young Rider Surcharge |
|---|---|---|---|
| Wafa Assurance | 250 MAD | Yes | +25% |
| RMA Assurance | 280 MAD | Yes | +30% |
| Saham Assurance | 300 MAD | Partial | +25% |
| Atlanta Assurance | 270 MAD | Yes | +20% |
| AXA Maroc | 320 MAD | Yes | +20% |
Motorcycle-Specific Risks in Morocco
Moroccan roads present specific hazards for motorcyclists:
- ⚠High theft rate in major cities: Casablanca and Rabat have elevated motorbike theft rates. Always park in secured lots and use a disc lock + chain combination
- ⚠Road surface hazards: potholes, loose gravel, and tram tracks in cities are major fall risks — a personal accident add-on is strongly recommended
- ⚠Door-opening accidents: urban car door openings are a major cause of motorcycle accidents — comprehensive coverage with a bodily injury component is advisable
Tips for Young Riders
- ✓Start with a 125cc or smaller to keep insurance costs down and build your no-claims bonus before moving to a larger bike
- ✓Take an advanced riding course — some insurers offer a 5–10% discount to riders with certified training beyond the basic licence
- ✓Add personal accident cover — it costs little extra and covers medical bills and disability that RC alone does not
- ✓Keep 3+ years of claims-free riding to unlock the bonus-malus reduction
Frequently Asked Questions
Is a motorcycle helmet mandatory in Morocco?
Yes. Article 70 of the Moroccan Road Code requires all motorcycle and moped riders and their passengers to wear a homologated helmet at all times. Failure to comply is a fineable offence. More importantly, most comprehensive insurance policies exclude personal accident claims if the rider was not wearing a helmet at the time of the accident.
Does my car licence (permis B) allow me to ride a motorbike in Morocco?
A standard permis B car licence does not automatically authorise motorcycle riding in Morocco. You need a permis A (motorcycles over 125cc) or permis A1 (125cc, for drivers aged 16+). Some insurers verify licence categories before paying claims, so riding with the wrong licence category voids your coverage.
Sources and References
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