MAMDA-MCMA

MAMDA-MCMA is Morocco's leading mutual insurance group. It brings together two legally independent mutuals that share resources: MAMDA (Mutuelle Agricole Marocaine d'Assurances), created in 1963 to cover agricultural risks, and MCMA (Mutuelle Centrale Marocaine d'Assurances), born in 1969 to insure families, professionals and businesses. Both are mutual insurance companies licensed by ACAPS: their policyholders are members, with no shareholders to remunerate. The group, headquartered in Rabat, is chaired by Hicham Belmrah, chairman and chief executive since the switch to a board-of-directors structure in 2021.

2025 figures: according to the sector ranking published by Le Matin, MCMA wrote 2.95 billion dirhams of premiums in 2025 and MAMDA 1.51 billion, in a Moroccan market worth 64.27 billion (+7.6%). On its official website the group highlights more than 45 billion dirhams of assets under management, 17.2 billion of technical provisions and a solvency-margin coverage ratio far above the regulatory minimum. As early as 2017 its chairman stated that MAMDA insured close to 80% of the country's utilised agricultural area (La Nouvelle Tribune).

Farm insurance: MAMDA's core: in partnership with the Moroccan State under law 39-09 on the promotion of agricultural insurance, the mutual runs the multi-risk climate programme for cereals and pulses (drought, hail, frost, flood, strong winds), whose premium is partly paid by the State and deducted directly at subscription. It adds multi-risk livestock cover, poultry and horse mortality, farm equipment, greenhouse and irrigation insurance, civil liability and workplace accidents on the farm. Our 2026 multi-risk farm insurance guide counts more than 320,000 insured farmers and observed gross premiums of MAD 1,500 to 3,500 per year for 10 hectares of cereals, MAD 4,500 to 7,000 for a herd of 50 cattle and MAD 800 to 1,500 for a small farm's liability cover, before subsidy. The insurance naturally pairs with Crédit Agricole du Maroc's subsidised Tamwil El Fellah farm credit.

Individuals and professionals: the MCMA offer: car insurance (compulsory liability, collision, comprehensive), multi-risk home insurance, health top-up, personal accident, retirement savings through the Sérénité Premium contract, plus civil liability, workplace accidents, contractors' all-risks and public goods transport for businesses. The mutual publishes no car rate grid; as a benchmark, our 2026 comparison of the majors places third-party premiums between MAD 1,800 and 2,300 per year for an average profile, and our car insurance guide details covers and deductibles.

Network and digital: the group has more than 100 direct offices, particularly dense in farming regions (Meknes, Beni Mellal, Settat, Khouribga, Safi, Gharb, Souss), and distributes its savings products through the Crédit Agricole du Maroc and Banque Populaire networks. Members have an online member area, online premium payment, a health portal and the Mamda Mcma Care mobile app.

Subscribing, step by step: 1) for farm cover, visit a direct office with your national ID, land title or farming certificate, and declared areas and crops — the season is subscribed before sowing; 2) for car or home cover, prepare your national ID, registration document and claims history, or proof of address; 3) confirm covers, ceilings and deductibles; 4) pay the contribution (online or in the office) to receive your certificate. For a farm loss, report it within the contractual deadlines so the field appraisal can take place.

Complaints and recourse: first send a written complaint to your direct office or to the head office of the mutual concerned (MAMDA or MCMA). If the answer is unsatisfactory, refer the matter free of charge to ACAPS through its online complaints platform, which assigns a case number and notifies each step by e-mail.

Wafir.ma is neither an ACAPS-licensed insurance intermediary nor a credit institution; amounts quoted are observed ranges, and only MAMDA-MCMA's quote and special conditions are binding.