Motorcycle & Scooter Insurance 50-125cc Morocco 2026: Price Comparison

1. 1. Law 109-95: Mandatory RC for any two-wheeler over 50cc

Law 109-95 of the Moroccan Insurance Code imposes Third-Party Liability (RC) on any motorized land vehicle circulating on public roads, including motorized two-wheelers. This obligation covers bodily and material damage caused to third parties in case of an at-fault accident.

In Morocco, the distinction is based on engine size: 50cc mopeds are accessible without a license from age 16 but still require RC insurance. 125cc motorcycles require A1 license (from age 18), and 250cc+ engines require the full A license. Riding without insurance exposes you to a fine of 1,200 to 6,000 MAD, vehicle confiscation, and 1 month to 1 year imprisonment in case of repeat offense.

2. 2. 2026 rates by engine size: what you'll actually pay

The rates below correspond to a 25-year-old driver living in Casablanca, with no claims history. Prices vary ±20% based on city, age, and bonus-malus history.

3. 3. The 6 two-wheeler insurers on the Moroccan market compared

The Moroccan two-wheeler insurance market is concentrated around 6 major players. Each offers formulas adapted to urban scooter, leisure motorcycle, or intensive delivery/courier use. Here is our synthetic comparison for 2026.

4. 4. Coverage: mandatory RC, theft, fire, and damages

• RC (mandatory): bodily and material damage to third parties, illegal cap removed in 2024
• Theft (recommended urban): total theft, theft attempt, burglary from secure premises
• Fire: fire incident, lightning, electrical short-circuit
• All-accident damage: fall, collision with unidentified party, vandalism
• Driver coverage: rider disability or death compensation
• 0 km assistance: breakdown and towing from home

The basic formula is limited to mandatory RC, legally sufficient but covering NO damage to your own vehicle. For a 25,000 MAD scooter or a 60,000 MAD motorcycle, adding theft, fire, and damage coverage becomes relevant — especially in urban areas where theft accounts for 65% of two-wheeler claims in Morocco.

5. 5. Two-wheeler bonus-malus: identical to auto system

• Start: coefficient 1.00 for any new contract
• Annual bonus: -5% per year without at-fault claim
• Bonus ceiling: 0.50 (maximum 50% reduction)
• Malus: +25% per at-fault claim, capped at 3.50
• Transferable: bonus retained when switching insurer
• Conservation: 2 years without insurance = loss of accumulated bonus

The bonus-malus coefficient applied to two-wheelers follows exactly the same mechanism as for passenger cars. You start at 1.00 (neutral coefficient), gain 5% reduction per year without an at-fault claim (down to 0.50, i.e., -50% after 13 years), and lose 25% (x1.25 coefficient) per declared at-fault claim.

6. 6. Two-wheeler claim: 5-day declaration mandatory

• Material accident: fill out the friendly claim report signed by both parties
• Bodily accident: call the gendarmerie (emergency 19) immediately
• Theft: police station complaint within 48h, insurer declaration within 5 days
• Fire: firefighter report mandatory for expertise
• Expert conflict: refer to ACAPS (Insurance Control Authority)
• Legal compensation deadline: 30 days after agreement on amount

In case of accident, theft, or fire, you have 5 business days to declare the claim to your insurer, under penalty of partial or total forfeiture of coverage. For theft, the deadline drops to 48 hours with mandatory police complaint before any declaration.

7. 7. Concrete cases: 3 popular models in Morocco

Here are the actual annual premiums recorded in 2026 for the 3 best-selling two-wheelers in Morocco, driver profile: 30 years old Casablanca, 5 years license, no claims.

8. 8. Online subscription: 4 steps in 10 minutes

• Step 1: online quote (engine size, model, city, age, history)
• Step 2: upload registration card, license, and ID in PDF/photo format
• Step 3: choose formula (third-party / third-party + theft / comprehensive) and optional coverage
• Step 4: credit card or monthly direct debit payment, provisional certificate received by email

Most Moroccan insurers now offer 100% digital subscription for two-wheelers, with provisional certificate sent by email immediately. Count 10 minutes maximum if you have all your documents ready.