1. 1. Morocco PLEV market : +120% in 2026
PLEVs include e-scooters, electrically assisted bicycles (EABs), Segways, hoverboards and unicycles. In Morocco, the fleet is estimated at 50,000 units at end-2025, vs 22,000 in 2024. Distributors (Decathlon, Electroplanet, specialised importers) forecast +120% in 2026, i.e. 110,000 units circulating mainly in urban areas.
Casablanca accounts for 42% of the fleet, followed by Rabat (18%), Tangier (12%) and Marrakech (9%). Top models : Xiaomi Mi Pro 2 e-scooters (3,500-4,500 MAD), Segway-Ninebot Max G2 (7,000-9,000 MAD), Inokim Light 2 (6,000-8,000 MAD), Decathlon Riverside 540E e-bikes (8,500-12,000 MAD), Move Electric (15,000-22,000 MAD), Brompton Electric (28,000-35,000 MAD).
Why this boom ?
Urban congestion, rising fuel costs, last-mile from BRT/tram stations, hybrid remote work. The 3,500 MAD entry ticket for an e-scooter makes PLEVs accessible vs 18,000 MAD minimum for a petrol scooter.
2. 2. Legal framework under construction : decree 2.24.198
- Decree 2.24.198 : under consultation, publication expected Q4 2026
- Expected max speed : 25 km/h in built-up areas
- Max PLEV power : 250W (above = moped category)
- Mandatory helmet planned for under-18s
- Mandatory TPL : not yet, but likely 2027-2028
Morocco has been working since 2024 on a PLEV regulatory framework. Draft decree 2.24.198 is currently under inter-ministerial consultation (Transport, Interior, Finance). It should set : 25 km/h city speed limit, motor power ≤ 250W to remain a PLEV, mandatory helmet for under-18s, no sidewalks above 6 km/h.
Unlike France, Spain or Germany, third-party liability (TPL) is not yet mandatory in Morocco for PLEVs. But insurers anticipate this evolution : Wafa, AXA and Allianz launched their first dedicated contracts in 2026, betting on regulatory alignment by 2027.
3. 3. Three pioneer insurers : 2026 rates
| Insurer | Product | TPL only | Full cover | TPL cap |
|---|---|---|---|---|
| Wafa Assurance | Mobility Plus | 350 MAD/yr | 780 MAD/yr | 1,000,000 MAD |
| AXA Insurance | eMobility | 390 MAD/yr | 820 MAD/yr | 750,000 MAD |
| Allianz Morocco | Mobilité Verte | 420 MAD/yr | 900 MAD/yr | 500,000 MAD |
| Market average | — | 387 MAD/yr | 833 MAD/yr | 750,000 MAD |
Three Moroccan companies offer dedicated PLEV contracts in 2026. Rates range from 350 to 900 MAD/year depending on vehicle value, chosen coverage (TPL only, TPL + theft, full cover with crash damage) and city of circulation. Comparison of the three pioneering offers.
Differentiators
Wafa Mobility Plus includes 24/7 roadside assistance. AXA eMobility offers brand-new replacement if the vehicle is under 18 months. Allianz Mobilité Verte provides driver protection up to 100,000 MAD in case of a crash with helmet worn.
4. 4. Coverage : TPL + theft + crash damage
Full PLEV insurance covers three major risks : third-party liability (pedestrian hit, car damaged), theft of the vehicle (very common in urban areas : 1 in 7 e-scooters stolen in Casablanca in 2025), and driver bodily injury in case of a crash. Details of standard 2026 coverage.
Third-party liability (TPL)
Covers bodily and material damage caused to others : injured pedestrian, scratched car, broken shop window. 2026 caps : 500,000 MAD at Allianz, 750,000 MAD at AXA, 1,000,000 MAD at Wafa. Coverage included in all formulas, even basic.
Theft and attempted theft
Compensation at purchase value in the first year, then 15%/year depreciation. Conditions : SRA-certified anti-theft lock or equivalent (1m minimum chain, U-lock), police report within 48h, original purchase invoice. Standard deductible : 200-400 MAD.
- Decathlon e-bike 12,000 MAD : year 1 compensation = 12,000 MAD
- Decathlon e-bike 12,000 MAD : year 2 compensation = 10,200 MAD
- Mandatory lock : SRA U-lock or chain
- Police report within 48h is essential
Crash damage + driver helmet
Covers medical costs not reimbursed by CNSS/CNOPS (excesses, physio, dental prosthetics). Death and permanent disability capital : 50,000 to 100,000 MAD. Systematic condition : wearing an EN-1078 certified helmet at the time of the incident, otherwise indemnities are cut by 50%.
5. 5. Subscription conditions
- Original purchase invoice or receipt with serial number
- Bluetooth ID or frame number of the vehicle
- Driver ID card (16 minimum at Wafa, 18 at AXA)
- Proof of address less than 3 months old
- Photo of EN-1078 certified helmet
- Photo of anti-theft lock (theft cover)
- Sworn statement of non-professional use
Taking out PLEV insurance in 2026 requires several supporting documents. The three insurers share a common base of required papers, with some specifics around vehicle identification and driver safety equipment.
Pro use = separate contract
If you use your e-scooter for delivery (Glovo, Jumia Food, Careem), you must take out a professional contract. Rate x2 to x3, but extended coverage (transported goods, long daily distances).
6. 6. Three concrete cases 2026
| Profile | Vehicle | Value | Coverage | Annual premium |
|---|---|---|---|---|
| Casa student, 21 | Xiaomi Mi Pro 2 | 4,200 MAD | TPL + theft | 480 MAD |
| Rabat manager, 34 | Decathlon Riverside 540E | 12,000 MAD | Full | 580 MAD |
| Marrakech expat, 42 | Brompton Electric | 32,000 MAD | Full + assistance | 890 MAD |
To concretely illustrate 2026 rates, here are three typical profiles : a Casablanca student with a Xiaomi e-scooter, a Rabat manager with a Decathlon e-bike, a Marrakech expat with a Brompton Electric. Real rates recorded in June 2026 at the three pioneer insurers.
7. 7. Legal limit : above 250W = moped
Watch out for the trap : many e-scooters sold on Aliexpress or grey market exceed 250W (often 500W, 800W or even 1,000W). As soon as motor power exceeds 250W or max speed exceeds 25 km/h, the vehicle is no longer considered a PLEV but a moped.
Consequence : it must be registered, the driver must hold an AM licence (former BSR), and subscription to a classic moped insurance is mandatory (and no longer optional). EDPM Wafa/AXA/Allianz contracts refuse these vehicles. In case of an incident with a non-compliant vehicle, you are considered an uninsured driver : fine 3,000-6,000 MAD and personal coverage of all damage.
Check the manufacturer plate
Rated power is engraved on the motor or shown on a frame sticker. If you read 500W, 750W or 1,000W : your vehicle is legally a moped, not a PLEV.
8. 8. Above 250W : switch to motorcycle insurance
- Moped ≤ 50 cc or ≤ 4 kW : basic motorcycle insurance 800-1,200 MAD/yr
- E-scooter/e-bike > 250W : treated as electric moped, same rate grid
- AM licence mandatory (4h theory + 7h practice)
- Registration at the Daira : 350 MAD fees + plate
- Technical inspection : not required if ≤ 50 cc
If your e-scooter or e-bike exceeds 250W, you exit the PLEV framework and enter the moped category. You must then take out a classic motorcycle/moped insurance. 2026 rates in Morocco : 800-1,800 MAD/year TPL only, 1,800-3,500 MAD/year all-risk. The three major Moroccan insurers (Wafa, AXA, Allianz, plus Sanad and RMA Watanya) offer suitable contracts.
9. FAQ
Q.Is PLEV insurance mandatory in Morocco in 2026 ?
Q.How much does e-scooter insurance cost in 2026 ?
Q.Which insurers offer PLEV contracts in Morocco ?
Q.What does full PLEV insurance cover ?
Q.Is my Decathlon e-bike insurable ?
Q.What happens if my e-scooter exceeds 250W ?
Q.What documents are required to subscribe ?
Q.Is the helmet mandatory to be compensated ?
Q.Can I insure a second-hand e-scooter ?
Q.Do Glovo/Jumia couriers have the same contract ?
Compare 2026 PLEV insurance
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