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, mostly in urban areas.
Casablanca accounts for 42% of the fleet, followed by Rabat (18%), Tangier (12%) and Marrakech (9%). The most common e-scooters are the Xiaomi Mi Pro 2 (3,500-4,500 MAD), Segway-Ninebot Max G2 (7,000-9,000 MAD) and Inokim Light 2 (6,000-8,000 MAD). The main e-bikes are the Decathlon Riverside 540E (8,500-12,000 MAD), Move Electric (15,000-22,000 MAD) and Brompton Electric (28,000-35,000 MAD).
Why such growth?
Urban congestion, rising fuel costs, last-mile trips from BRT and tram stations and hybrid remote work all play a part. Price matters too: an e-scooter costs from 3,500 MAD, against 18,000 MAD minimum for a petrol scooter.
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 on a PLEV regulatory framework since 2024. Draft decree 2.24.198 is currently under inter-ministerial consultation (Transport, Interior, Finance). It should set a 25 km/h speed limit in cities, a motor power of ≤ 250W to remain a PLEV, a mandatory helmet for under-18s and a ban on sidewalks above 6 km/h.
Unlike France, Spain or Germany, Morocco does not yet require third-party liability (TPL) cover for PLEVs. Insurers are anticipating the change: Wafa, AXA and Allianz launched their first dedicated contracts in 2026, betting on regulatory alignment by 2027.
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 |
Source: Wafir.ma — June 12, 2026
Three Moroccan companies offer dedicated PLEV contracts in 2026. Rates range from 350 to 900 MAD/year depending on the vehicle's value, the coverage chosen (TPL only, TPL + theft, full cover with crash damage) and the city where it is ridden.
What sets each offer apart
Wafa Mobility Plus includes 24/7 roadside assistance. AXA eMobility offers brand-new replacement if the vehicle is under 18 months old. Allianz Mobilité Verte provides driver protection up to 100,000 MAD in case of a crash, provided a helmet was worn.
4. Coverage: TPL, theft and crash damage
Full PLEV insurance covers three major risks: third-party liability (pedestrian hit, car damaged), theft of the vehicle, which is very common in cities (1 in 7 e-scooters stolen in Casablanca in 2025), and the rider's bodily injury in a crash.
Third-party liability (TPL)
Covers bodily and material damage caused to others: an injured pedestrian, a scratched car, a broken shop window. 2026 caps: 500,000 MAD at Allianz, 750,000 MAD at AXA, 1,000,000 MAD at Wafa. This cover is included in every formula, even the most basic.
Theft and attempted theft
Compensation at purchase value in the first year, then 15%/year depreciation. Conditions: an SRA-certified anti-theft lock or equivalent (chain of at least 1m, U-lock), a police report within 48h and the 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 required
Crash damage and rider helmet
Covers medical costs not reimbursed by CNSS/CNOPS (excess fees, physio, dental prosthetics). Death and permanent disability capital: 50,000 to 100,000 MAD. In every case, the rider must have worn an EN-1078 certified helmet at the time of the incident; otherwise indemnities are cut by 50%.
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 ask for the same basic papers, with a few specific requirements on vehicle identification and the rider's safety equipment.
Professional use: separate contract
If you use your e-scooter for delivery (Glovo, Jumia Food, Careem), you must take out a professional contract. It costs 2 to 3 times more and covers more (transported goods, long daily distances).
6. Three worked cases for 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 |
Source: Wafir.ma — June 12, 2026
Three typical profiles: a Casablanca student with a Xiaomi e-scooter, a Rabat manager with a Decathlon e-bike and a Marrakech expat with a Brompton Electric. The premiums shown are real rates recorded in June 2026 at the three pioneer insurers.
7. Legal limit: above 250W = moped
Many e-scooters sold on Aliexpress or on the grey market exceed 250W (often 500W, 800W or even 1,000W). As soon as motor power exceeds 250W or top speed exceeds 25 km/h, the vehicle counts as a moped rather than a PLEV.
It must then be registered, the rider must hold an AM licence (formerly BSR), and classic moped insurance becomes mandatory. The EDPM contracts from Wafa, AXA and Allianz refuse these vehicles. If you have an accident on a non-compliant vehicle, you are treated as an uninsured driver: a 3,000-6,000 MAD fine, and you pay for all the damage yourself.
Check the manufacturer plate
Rated power is engraved on the motor or shown on a sticker on the frame. At 500W, 750W or 1,000W, your vehicle is legally a moped.
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 an 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
Above 250W, your e-scooter or e-bike leaves the PLEV framework and falls into the moped category. You then need classic motorcycle/moped insurance, which costs 800-1,800 MAD/year for TPL only and 1,800-3,500 MAD/year for all-risk cover in Morocco in 2026. The three major Moroccan insurers (Wafa, AXA, Allianz), as well as 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?
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