Comprehensive vs third party insurance Morocco comparison
Third-party, extended third-party, or comprehensive — how do you choose the right car insurance plan in Morocco? This guide provides a detailed coverage comparison, price differences by vehicle category, a 5-year cost simulation, and practical examples to help you make the right decision for your vehicle.
The 3 Car Insurance Plans in Morocco
1. Third-Party Only (Tiers Simple)
The legal minimum. Covers damage you cause to others (third-party liability). Does NOT cover your own vehicle, your injuries, theft, or fire. Cheapest option, recommended only for old, low-value vehicles.
2. Extended Third-Party (Tiers Étendu)
Third-party plus additional coverage for fire and/or theft and sometimes broken glass. A good intermediate option for vehicles 4–7 years old with moderate market value.
3. Comprehensive (Tous Risques)
Full coverage including your own vehicle damage (collision damage waiver), theft, fire, broken glass, personal accident cover for occupants. Recommended for new or recent vehicles (under 5 years old). Most expensive option.
Detailed Coverage Comparison
| Coverage | Third-Party | Extended 3rd Party | Comprehensive |
|---|---|---|---|
| Damage to third parties | ✔ | ✔ | ✔ |
| Bodily injury to third parties | ✔ | ✔ | ✔ |
| Your vehicle damage (at-fault) | ✗ | ✗ | ✔ |
| Fire | ✗ | Option | ✔ |
| Theft | ✗ | Option | ✔ |
| Broken glass | ✗ | Option | ✔ |
| Occupant personal accident | ✗ | ✗ | ✔ |
When to Choose Each Plan
Choose Third-Party if:
Your vehicle is over 7–10 years old AND worth less than 30,000–40,000 MAD. The annual comprehensive premium would exceed 10% of the vehicle's market value, making full coverage financially irrational.
Choose Extended Third-Party if:
Your vehicle is 4–7 years old with moderate value (40,000–100,000 MAD). Add fire and theft cover especially in urban areas with high theft rates (Casablanca, Tangier).
Choose Comprehensive if:
Your vehicle is under 5 years old OR worth more than 120,000 MAD OR financed by a bank (most banks require comprehensive coverage as a loan condition).
Price Differences by Vehicle Category
| Vehicle Category | 3rd Party | Extended 3rd Party | Comprehensive |
|---|---|---|---|
| City car (<1400cc) | 900–1,200 MAD | 1,400–1,800 MAD | 2,500–3,500 MAD |
| Family sedan (1400–1800cc) | 1,200–1,800 MAD | 1,800–2,500 MAD | 3,500–6,000 MAD |
| SUV / 4×4 (>1800cc) | 1,800–2,500 MAD | 2,500–3,500 MAD | 5,000–9,000 MAD |
| Luxury / premium | 2,500–4,000 MAD | 3,500–5,500 MAD | 8,000–15,000+ MAD |
5-Year Simulation: Which Costs Less?
Scenario: family sedan worth 120,000 MAD, one minor accident at-fault in year 3 costing 8,000 MAD in repairs:
| Plan | 5-yr premiums | Out-of-pocket repairs | Total 5-yr cost |
|---|---|---|---|
| Third-Party | 7,500 MAD | 8,000 MAD | 15,500 MAD |
| Extended 3rd Party | 10,000 MAD | 8,000 MAD | 18,000 MAD |
| Comprehensive | 22,500 MAD | 1,500 MAD (deductible) | 24,000 MAD |
In this scenario, comprehensive costs more over 5 years even with one accident. The calculation changes if the vehicle is newer, accidents are more frequent, or the vehicle value is higher.
Concrete Examples
Dacia Logan, 2015 (worth ~35,000 MAD): Third-Party at 950 MAD/yr.
Comprehensive would cost ~2,800 MAD/yr — 8% of the car's value annually. Third-party is clearly the right choice.
Toyota Corolla, 2021 (worth ~165,000 MAD): Comprehensive at 5,500 MAD/yr.
With a recent vehicle and active loan, comprehensive is mandatory and financially justified.
Frequently Asked Questions
Does my bank require comprehensive if I have a car loan?
Yes, without exception. Any bank financing a vehicle purchase in Morocco requires comprehensive insurance (tous risques) for the duration of the loan. The bank is named as co-beneficiary of the policy. Failure to maintain comprehensive coverage can result in loan default proceedings.
Is there a standard deductible (franchise) in Morocco?
Deductibles vary by insurer and plan. Standard deductibles for comprehensive plans range from 500 to 2,000 MAD per claim. Higher deductibles reduce your annual premium by 10–25%. Always check your deductible before filing a small claim — if the repair costs less than the deductible, pay out of pocket to protect your no-claims bonus.
Sources and References
- 1. ACAPS — Car insurance regulation and market statistics in Morocco
- 2. FMSAR — Moroccan Federation of Insurance and Reinsurance Companies
- 3. Bank Al-Maghrib — Consumer financial protection guidelines
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