1. Insurance Code (Law 17-99): Mandatory RC for any two-wheeler over 50cc
Law 17-99 on the Moroccan Insurance Code requires third-party liability (RC) cover for every motor land vehicle on public roads, motorized two-wheelers included. It pays for bodily injury and property damage you cause to others in an accident where you are at fault.
The licence you need depends on engine size. 49cc mopeds (under 50 cm³) fall under the AM licence, available from age 14 since Law 116-14 amended the Highway Code (see section 9), and they also need 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 uninsured exposes you to a fine of 1,200 to 6,000 MAD and confiscation of the vehicle; repeat offenders also face 1 month to 1 year in prison.
Insurance certificate required on board
Keep the insurance certificate and green card on you for every trip. If you cannot show them at a gendarmerie check, you pay an on-the-spot fine of 700 MAD.
2. 2026 rates by engine size and cover level
These rates apply to a 25-year-old rider living in Casablanca with no claims history. Expect ±20% depending on city, age and bonus-malus record.
| 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% | Large agency network, fast claims handling |
| AXA Maroc | AXA Cyclomoteurs | -12% | Competitive 50cc scooter rates |
| RMA Watania | RMA Deux-Roues | -10% | Extended theft cover in urban areas |
| AtlantaSanad | Atlanta Moto | -10% | Good bonus for young riders |
| Sanlam Maroc | Sanlam Bike | -8% | 100% digital subscription |
| Allianz Maroc | Allianz Moto | -12% | Europe cover included |
Source: Wafir.ma — August 27, 2026
The Moroccan two-wheeler market is shared by 6 main insurers. Each has policies for urban scooters, leisure motorcycles and heavy delivery or courier use. The 2026 comparison below also shows the discount you get if your car is insured with the same company.
4. Coverage: mandatory RC, theft, fire, and damages
- RC (mandatory): bodily and material damage to third parties, illegal cap removed in 2024
- Theft (recommended in cities): total theft, attempted theft, burglary from secure premises
- Fire: fire, lightning, electrical short circuit
- All-accident damage: fall, collision with no identified third party, vandalism
- Rider cover: compensation for the rider's disability or death
- 0 km assistance: breakdown service and towing from your home
The basic policy is limited to mandatory RC. It meets the legal requirement but pays nothing for damage to your own vehicle. On a 25,000 MAD scooter or a 60,000 MAD motorcycle, theft, fire and damage cover are worth adding, especially in urban areas, where theft accounts for 65% of two-wheeler claims in Morocco.
CE standard helmet mandatory
Riding without a CE-approved helmet can void your bodily injury cover after an accident. The ECE 22.05 or 22.06 label is inside the helmet.
5. Two-wheeler bonus-malus: same system as cars
- Start: coefficient 1.00 for any new contract
- Annual bonus: -5% per year without an at-fault claim
- Bonus floor: 0.50 (maximum 50% reduction)
- Malus: +25% per at-fault claim, capped at 3.50
- Transfer: you keep your bonus when you switch insurer
- Loss: 2 years without insurance wipes out the accumulated bonus
The bonus-malus coefficient for two-wheelers works the same way as for passenger cars. You start at 1.00 (neutral). Each year without an at-fault claim cuts the premium by 5%, down to 0.50 (-50%) after 13 years, and each declared at-fault claim raises it by 25% (x1.25 coefficient).
6. Two-wheeler claims: report within 5 days
- Property damage: fill in the joint accident report (constat amiable) signed by both parties
- Injury accident: call the gendarmerie (emergency 19) immediately
- Theft: police complaint within 48h, report to the insurer within 5 days
- Fire: a fire brigade report is required for the assessment
- Dispute over the assessment: refer the case to ACAPS (Insurance Control Authority)
- Legal payout deadline: 30 days after agreement on the amount
After an accident, theft or fire, you have 5 business days to report the claim to your insurer, or you may lose part or all of your cover. For theft the deadline drops to 48 hours, and you must file a police complaint before reporting it.
7. Examples: 3 popular models in Morocco
Actual annual premiums recorded in 2026 for the 3 best-selling two-wheelers in Morocco. Rider profile: 30 years old, Casablanca, 5 years with a licence, no claims.
Honda PCX 125 (urban scooter, value 32,000 MAD)
Widely used by couriers and urban delivery riders. Comprehensive cover with theft and assistance costs an average of 3,200 MAD/year at Wafa Assurance, or 267 MAD/month. RC alone drops to 1,400 MAD/year but leaves you carrying 100% of the theft risk in urban areas.
Yamaha MT-125 (sport motorcycle, value 38,000 MAD)
A sport bike popular with new A1 licence holders. Comprehensive cover at AXA costs 3,800 MAD/year, including 200 MAD for rider cover (disability compensation up to 500,000 MAD). The sport profile adds about 15% to the premium compared with a scooter.
Kawasaki Z650 (650cc roadster, value 75,000 MAD)
A powerful motorcycle that requires an A licence. Comprehensive cover at RMA Watania costs 5,800 MAD/year with Europe assistance, useful for MREs and road trips to Spain. RC alone costs 2,800 MAD/year but is not recommended given the bike's value.
8. Online subscription: 4 steps in 10 minutes
- Step 1: online quote (engine size, model, city, age, claims history)
- Step 2: upload your registration card, licence and ID as a PDF or photo
- Step 3: choose the cover level (third-party / third-party + theft / comprehensive) and optional extras
- Step 4: pay by card or monthly direct debit and receive the provisional certificate by email
Most Moroccan insurers now let you buy two-wheeler insurance 100% online and email a provisional certificate right away. With your documents ready, it takes 10 minutes at most.
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 "mopeds" (cyclomoteurs) under Law 52-05 on the Highway Code (Official Bulletin no. 5824 of 25 March 2010): 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. Legally, then, a 49cc is not a "motorcycle", and its 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 also include a driving-licence exclusion (article 7 of the standard conditions, the subject of ACAPS circular letter no. 164648 of 29 December 2025), so ask your insurer what riding without an AM licence would mean for your cover.
Ownership title and serial number, no registration card
Article 53 of the Highway Code reserves standard registration (the registration certificate, or carte grise) 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 on the road. In the insurance file, this title (or, failing that, the purchase invoice showing the frame number) takes the place of the registration card.
RC mandatory even at 49cc (Law 17-99)
The Insurance Code (Law 17-99, Book II, Title II on 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 the vehicle can be impounded. ACAPS issued a practical warning (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, and 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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