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: 49cc / under-50 cm³ mopeds fall under the AM licence (from age 14 since Law 116-14 amending the Highway Code — see section 9) and also require RC insurance. Light motorcycles up to 125 cm³ require the A1 licence (from age 16), and larger engines the A licence (from age 18), under article 11 of Law 52-05. 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.
Mandatory insurance certificate on board
The insurance certificate and green card must be on you during every trip. A gendarmerie check without proof results in an immediate 700 MAD fine.
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.
| Engine size | Vehicle type | Third-party (MAD/year) | Comprehensive (MAD/year) |
|---|---|---|---|
| 50cc | Moped / scooter | 600 – 900 | 1,200 – 1,800 |
| 125cc | Urban scooter | 1,200 – 1,800 | 2,500 – 3,500 |
| 125cc | Sport / trail motorcycle | 1,500 – 2,200 | 2,800 – 4,000 |
| 250cc – 500cc | Touring motorcycle | 2,200 – 3,200 | 4,500 – 6,000 |
| > 500cc | Powerful motorcycle | 3,000 – 4,500 | 5,500 – 7,000 |
Source: Wafir.ma — August 27, 2026
3. The 6 two-wheeler insurers on the Moroccan market compared
| Insurer | Dedicated offer | Auto bundle discount | Strengths |
|---|---|---|---|
| Wafa Assurance | Wafa Moto | -15% | Wide agency network, fast claims handling |
| AXA Maroc | AXA Cyclomoteurs | -12% | Competitive 50cc scooter rates |
| RMA Watania | RMA Deux-Roues | -10% | Extended theft coverage urban areas |
| AtlantaSanad | Atlanta Moto | -10% | Attractive young driver bonus |
| Sanlam Maroc | Sanlam Bike | -8% | 100% digital subscription |
| Allianz Maroc | Allianz Moto | -12% | International Europe coverage included |
Source: Wafir.ma — August 27, 2026
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. 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.
CE standard helmet mandatory
Absence of a CE-approved helmet can result in forfeiture of bodily coverage in case of accident. Check for the ECE 22.05 or 22.06 label inside the helmet.
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. 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. 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.
Honda PCX 125 (urban scooter, value 32,000 MAD)
The star scooter for couriers and urban delivery riders. Comprehensive formula with theft and assistance: average premium of 3,200 MAD/year at Wafa Assurance, i.e., 267 MAD/month. RC-only formula drops to 1,400 MAD/year but exposes you to 100% theft risk in urban areas.
Yamaha MT-125 (sport motorcycle, value 38,000 MAD)
Sport motorcycle popular with new A1 license holders. Comprehensive at AXA: 3,800 MAD/year, including 200 MAD for driver coverage (disability compensation up to 500,000 MAD). The sport profile slightly increases premium (+15% vs scooter).
Kawasaki Z650 (650cc roadster, value 75,000 MAD)
Powerful motorcycle requiring A license. Comprehensive at RMA Watania: 5,800 MAD/year with Europe assistance (useful for MRE and Spain road trips). RC only: 2,800 MAD/year, not recommended given vehicle value.
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.
9. 49cc moped insurance (under 50 cm³): legal status, AM licence and price
The "49cc" machines sold in Morocco (Peugeot Kisbee 50, Yamaha Neo's 50, Chinese 49 cm³ scooters and mopeds) are, under Law 52-05 on the Highway Code (Official Bulletin no. 5824 of 25 March 2010), "mopeds" (cyclomoteurs): a two- or three-wheeled vehicle with a combustion engine of at most 50 cm³ (or a motor of at most 4 kW) whose design speed does not exceed 50 km/h. A 49cc is therefore not a "motorcycle" in the legal sense: licence, registration and insurance paperwork follow a separate regime.
AM licence from age 14 (Law 116-14)
Since Law 116-14 of 18 July 2016 amending the Highway Code (Official Bulletin no. 6490 of 11 August 2016), riding a moped requires a category AM licence: article 7 (category AM = moped and light motor quadricycle), article 11 (minimum age: 14 full years). NARSA sets 20 hours of theory training for this category. The A licence also covers categories A1 and AM (article 8). The "50cc scooter with no licence" is therefore a myth: the standard general conditions of the motor RC contract include a driving-licence exclusion (article 7 of the standard conditions, the subject of ACAPS circular letter no. 164648 of 29 December 2025) — check with your insurer what riding without an AM licence would mean for your cover.
Ownership title and serial number, no registration card
Standard registration (the registration certificate, or carte grise) is reserved by article 53 of the Highway Code for cars, motorcycles, motor tricycles and heavy motor quadricycles; NARSA's motorcycle registration procedure only covers engines above 50 cm³. For a moped, article 65 requires the owner to hold an ownership title (سند الملكية) and a serial number assigned to the vehicle, which the rider must carry when on the road. This title (or, failing that, the purchase invoice showing the frame number) replaces the registration card in the insurance file.
RC mandatory even at 49cc (Law 17-99)
The Insurance Code (Law 17-99, Book II, Title II — compulsory insurance of motor land vehicles, articles 120 et seq.) imposes third-party liability on any motor land vehicle used on public roads, with no engine-size threshold: a 49cc must carry at least RC cover. Riding uninsured falls under the penalties of article 131 of the Insurance Code (fine of MAD 1,200 to 6,000) and exposes you to the vehicle being immobilised. A practical warning issued by ACAPS (circular letter no. 160649 of 19 February 2026): electric-motor vehicles, including electric scooters, fall under the "Divers" usage and their certificate must be white — policyholders carrying a yellow ("Tourisme" usage) certificate were fined as uninsured. Make sure your certificate matches the model set by order no. 213-05 of 26 January 2005 on compulsory insurance.
49cc insurance price: no published rate card
No Moroccan insurer publishes an online rate card for mopeds. As of 27 August 2026, the "Cyclomoteurs et scooters" page of AXA Assurance Maroc (formulas: basic third-party = RC + legal defence; third-party + theft = theft, fire, rider protection; comprehensive = vehicle damage, glass breakage, 0 km assistance, 24/7 breakdown service) and Sanlam Maroc's Assur'Moto page both redirect to a quote from an agency, with no amount displayed. The 50cc band in the section 2 table is therefore an order of magnitude observed on quotes, not an official tariff: for a 49cc, the RC premium mainly depends on usage (private or delivery), city and rider age. The most reliable route is to request 2 to 3 quotes through our comparator.
Documents usually requested to insure a 49cc
- Owner's national ID card (or residence permit)
- Ownership title (سند الملكية) with serial number, or purchase invoice showing frame number and engine size
- AM (or A1 / A) licence of the usual rider
- Claims history statement or previous certificate when switching insurer
- Bank details (RIB) if paying by direct debit
10. FAQ
Q.How much does insurance cost for a 49cc motorbike in Morocco?
Q.Is 50cc scooter insurance mandatory in Morocco?
Q.What's the average 125cc scooter insurance rate in 2026?
Q.Can auto and motorcycle bonus-malus be combined?
Q.Is theft coverage useful for a scooter?
Q.What's the deadline to declare a two-wheeler claim?
Q.Does insurance cover the scooter passenger?
Q.Can a motorcycle imported from Europe be insured?
Q.Is insurance valid outside Morocco?
Q.What happens if I lend my motorcycle to a friend?
Q.How do I cancel my motorcycle insurance in Morocco?
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