1. MREs returning in summer 2026: why temporary insurance is mandatory
Every summer, more than 3 million Moroccans abroad (MREs) return to Morocco by car via Spanish ports (Algeciras, Tarifa) or airports. Their vehicle is registered in their country of residence (FR, BE, NL, DE, IT, ES, UK), and their European policy usually covers Morocco, but only for 15 to 30 days at most. After that the car is on the road without valid cover, and the driver faces heavy penalties: a fine of 1 500 to 3 000 MAD, immediate impoundment of the vehicle and unlimited civil liability for bodily injury.
A typical summer stay lasts 15 to 60 days, often in July and August. If your stay goes beyond your European cover, you have three legal options: extend the international green card, buy an extended green card at the border, or take out a temporary policy with a Moroccan insurer. 2026 rates start at 250 MAD for 7 days and go up to 2 900 MAD for 90 days.
2. The 3 insurance options for an MRE vehicle in Morocco
Before paying for Moroccan temporary insurance, check what your European policy covers. The 3 options below are listed from cheapest to most expensive.
Option 1: international extension of your home-country insurance
Most European car policies include free cover for Morocco for 15 to 30 days, shown on the international green card (geographic zone MA).
- Check that the letter MA is not struck through on the green card issued by your insurer
- Ask for a written extension if your stay is longer than the base period (often free up to 60 days)
- Cost: 0 to 50 EUR depending on the insurer
- Limit: no extension is possible beyond 90 days, so switch to option 3
Option 2: extended green card bought at the border
At Tanger Med port or at the airport, the Moroccan Insurance Committee office issues a transit green card valid for up to 90 days, independent of your foreign insurer.
- Purchase at the customs counter: 10-15 minutes
- Civil liability cover only (no comprehensive)
- Flat rate by duration (see the table in section 3)
- Useful if your European green card does not cover Morocco
Option 3: temporary insurance from a Moroccan insurer
The most flexible option: a 7, 15, 30, 60 or 90-day contract with an approved insurer (Wafa, AXA, RMA, etc.), which you can buy online before you leave or at an agency when you arrive.
- Online subscription 24/7 via Maghrebassurance, wafir.ma
- Comprehensive cover available (theft, fire, glass breakage) on top of liability
- Cover starts as soon as you reach the border
- Renewable once per season (max 180 days/year)
3. Morocco temporary insurance rates 2026 by duration
Average 2026 market rates for a private car (category 1, under 3 years old). For a vehicle over 10 years old or a commercial vehicle, add 20-40%.
| Duration | Liability only | Comprehensive | Transit green card |
|---|---|---|---|
| 7 days | 250-400 MAD | 450-700 MAD | 300 MAD |
| 15 days | 450-700 MAD | 850-1 250 MAD | 550 MAD |
| 30 days | 800-1 200 MAD | 1 500-2 200 MAD | 950 MAD |
| 60 days | 1 400-2 100 MAD | 2 600-3 800 MAD | 1 700 MAD |
| 90 days | 2 000-2 900 MAD | 3 700-5 200 MAD | 2 400 MAD |
Source: Wafir.ma — June 12, 2026
4. The 6 Moroccan insurers that accept foreign registration documents
Not every Moroccan insurer accepts vehicles registered abroad. These are the companies authorized to issue MRE temporary cover in 2026.
| Insurer | Durations offered | Online subscription | Border network |
|---|---|---|---|
| Wafa Assurance | 7-90 days | Yes (wafaassurance.ma) | Tanger Med + airports |
| AXA Assurance Maroc | 15-90 days | Yes (axa.ma) | Tanger Med + Casa |
| RMA | 7-90 days | Yes (rma.ma) | Main airports |
| AtlantaSanad | 15-60 days | Yes (atlantasanad.ma) | Tanger Med + Marrakech |
| Sanlam Maroc | 30-90 days | Yes (sanlam.ma) | Casa + Tanger Med |
| Allianz Maroc | 15-90 days | Partial (quote only) | Airports + agencies |
Source: Wafir.ma — June 12, 2026
wafir.ma tip
One simulation on wafir.ma compares all 6 insurers: enter the foreign registration and your dates of stay, and you get 6 quotes in less than 2 minutes.
5. Documents required to subscribe
Get these documents ready before you leave: online or at the border, the process takes 10 minutes if everything is at hand.
- Valid passport (MRE) or Moroccan national ID card
- Original vehicle registration document (foreign registration)
- Valid driving license (French, European or international)
- International green card from your country of residence (for an extension)
- Insurance certificate for your main European policy
- Payment method: bank card, transfer or cash (at the border)
- A valid email address to receive the PDF certificate
6. Where to subscribe: airport, port or online before departure?
On arrival: Tanger Med port or airports
Counters are open 24/7 at Tanger Med (ferry exit), Casablanca Mohammed V, Marrakech Menara, Agadir Al Massira and Fès Saiss. It takes 10 to 20 minutes depending on the crowd, and up to 1h at the July-August peak.
- Advantage: nothing to plan ahead, paper certificate on the spot
- Disadvantage: queues, and the rate is often 10-15% higher than online
- Payment: bank card in EUR/MAD or cash
Online before departure (recommended)
Buy through wafir.ma, Maghrebassurance or directly from the insurer. The PDF certificate arrives by email within 5 minutes; print it and keep it in the vehicle.
- Advantage: up to 15% cheaper, with a choice of 6 insurers
- Advantage: cover starts on the exact date you enter Morocco (no lost day)
- Disadvantage: you need to do it 24-48h before departure
- Payment: international bank card (Visa/Mastercard)
7. Examples: 3 MRE profiles and their 3 rates
Case 1: MRE in France, 45-day stay in July-August, Peugeot 308 (2022)
Karim, an engineer in Lyon, takes the ferry from Sète to Casablanca with his Peugeot 308. His AXA France green card covers 30 days, so he adds a 45-day temporary policy through wafir.ma, liability only, for 1 200 MAD. He bought it online 3 days before leaving and received the certificate by email.
Case 2: MRE in Belgium, 15-day Eid stay, BMW 3 Series (2020)
Samira lives in Brussels and comes home for 15 days for Eid. Her Ethias green card does not cover Morocco, so she buys a transit green card at Tanger Med port: 550 MAD for 15 days of liability cover, after 25 minutes at the counter.
Case 3: MRE in Germany, 90-day full summer stay, Mercedes GLC (2023)
Younes, a retiree in Düsseldorf, spends 90 days in Morocco with his Mercedes GLC. Through wafir.ma he takes out a 90-day comprehensive temporary policy with Wafa Assurance for 4 800 MAD, with theft, fire and glass breakage included. Cover starts on the exact day he arrives.
8. Visiting your property in Morocco? Consider an MRE mortgage
If you also plan to visit or buy property in Morocco during your summer stay, 4 banks (Attijariwafa, BMCE, BCP, CIH) offer mortgages for MREs: fixed rate of 4.2-5.8% in 2026, terms of up to 25 years, and financing of up to 70% of the property value in dirhams or euros. You can open a file while you are in the country: processing takes 30-45 days, and you can sign at the notary before you go back.
Combine MRE insurance and mortgage
Compare your temporary auto insurance and your MRE mortgage side by side on wafir.ma. The simulation is free and personalized quotes arrive within 24h.
9. FAQ
Q.Does my European insurance automatically cover Morocco?
Q.How much does Morocco temporary insurance cost for 30 days in 2026?
Q.Can I subscribe before leaving Europe?
Q.What documents should I bring to subscribe at the border?
Q.How long does subscription at Tanger Med take in peak season?
Q.Which Moroccan insurers accept foreign registration documents?
Q.What happens if I drive without valid insurance in Morocco?
Q.Can I renew my temporary policy once on-site?
Q.Does temporary insurance cover a secondary driver?
Q.How can I quickly compare the 6 insurers before departure?
Compare your MRE temporary auto insurance
Get quotes from the 6 Moroccan insurers for your foreign vehicle in 2 minutes, for 7 to 90 days. Subscribe online and receive the PDF certificate immediately, at guaranteed 2026 prices.
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