1. 1. 2026 legal obligation + what's required
Motorcycle insurance has been mandatory in Morocco for 30 years.
Law 109-95 — minimum required coverage
EVERY registered 2-wheel motorized vehicle MUST be insured at minimum civil liability. Without: circulation FORBIDDEN.
Sanctions for non-insurance
Immediate fine MAD 1,000-3,000. License withdrawal 12-24 months. Vehicle seizure. Unlimited personal liability if accident caused.
Documents to present at control
Driver's license, vehicle registration, valid insurance certificate, technical inspection.
2. 2. Third-party vs All Risks
2 main coverage levels.
THIRD-PARTY insurance (legal minimum)
Coverage: civil liability ONLY. Rate: MAD 800-2,500/year. Recommended for old motorcycles, tight budget.
THIRD-PARTY+
Coverage: civil liability + theft + fire. Rate: MAD 1,500-3,500/year.
ALL RISKS insurance (complete)
Coverage: everything — civil liability + own motorcycle damage + theft + fire + vandalism + equipment. Rate: MAD 2,500-6,000/year.
3. 3. 2026 rates by engine size
3 market segments.
Scooters and small engines (< 125cc)
~ 65% of market. TIERS rate: MAD 800-1,200/year. ALL RISKS: MAD 1,800-2,500/year.
Medium motorcycles (125-500cc)
~ 25% of market. TIERS rate: MAD 1,500-2,800/year. ALL RISKS: MAD 2,500-4,000/year.
Large engines (> 500cc)
~ 10% of market. TIERS rate: MAD 3,000-4,500/year. ALL RISKS: MAD 4,500-7,000/year.
Individual rate factors
Age, history, usage, city, parking, license seniority.
4. 4. Top 6 2026 motorcycle insurers
Market has 6 main actors representing 88% of contracts.
Wafa Assurance — leader 30%
Competitive rate. Specificity: "Moto Jeunes" program with free prevention training.
RMA — 22%
Good positioning for premium motorcycles. Dealer partnerships.
Saham Assurance — 15%
Very competitive rates. Ideal tight budget.
AXA Assurance Morocco — 11%
Premium for large engines. International assistance included.
AtlantaSanad + MAMDA
~ 5% each.
5. 5. Claims + bonus/malus + termination
3 mechanisms to understand.
Bonus/malus system
Each year without accident: -5 to -10% bonus. Each accident: +25 to +50% malus. Coefficient kept when changing insurer.
Claim declaration
Declaration MANDATORY within 5 business days (2 days for theft). Friendly report, photos, witnesses' contacts.
Contract termination
Law 110-14: after 1 year seniority, termination possible anytime with 60-day notice.
6. FAQ
Q.Is motorcycle insurance mandatory in Morocco 2026?
Q.How much does motorcycle insurance cost in Morocco 2026?
Q.TIERS or all risks for my motorcycle in Morocco 2026?
Q.What is the best motorcycle insurance in Morocco 2026?
Q.How does motorcycle bonus-malus work in Morocco 2026?
Q.How to declare motorcycle accident in Morocco 2026?
Q.Can I terminate motorcycle insurance contract in Morocco 2026?
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