Which car insurance coverage is legally mandatory in Morocco?

Third-Party Civil Liability (Responsabilité Civile - RC) is the sole mandatory cover by law, whereas theft, fire, glass breakage, and roadside assistance are optional supplementary endorsements.

Why purchase optional comprehensive auto insurance coverage?

Comprehensive policies cover direct damage to the insured vehicle, glass breakage, theft, and fire, whereas mandatory civil liability strictly covers third-party damage.

MoroccoUpdated for 2026Automotive & Vehicles

Morocco Car Insurance Unified Tariff Calculator 2026 (ACAPS)

Calculate statutory third-party liability (RC) vehicle insurance premiums in Morocco based on fiscal horsepower (CV), Bonus/Malus coefficients, and optional covers (roadside assistance, glass breakage) under ACAPS regulations.

Vehicle & Auto Insurance Insurance & Coverage Automotive & Vehicles

Calculated Result

Total Payable Annual Insurance Premium

3,520MAD

Calculator Inputs

Vehicle Fiscal Horsepower (CV)

Bonus / Malus Driving Record Coefficient

Include 24/7 Roadside Assistance & Towing

Include Glass Breakage & Legal Defense

Total Payable Annual Insurance Premium

3,520MAD

Net Civil Liability Premium

2,750 MAD

Insurance Contract Tax (14%)

420 MAD

Standard Baseline Civil Liability Tariff

2,750 MAD

Bonus Discount Savings

0 MAD

Optional Supplementary Endorsements

250 MAD

Calculated based on supervisory reference tariffs issued by ACAPS and standard terms of the Moroccan Insurance Federation (FMA).

This calculator provides mechanical and technical estimations based on standard performance formulas. Actual numbers may vary depending on manufacturer specifications, vehicle condition, and operating environment. Always refer to your vehicle's official owner manual.

Official Statute: مدونة التأمينات المغربية رقم 17.99 وقرارات هيئة مراقبة التأمينات والاحتياط الاجتماعي ACAPS ونظام Bonus/MalusLast Verified: 2026-09-08

Calculation Methodology

Final Premium = (Base Civil Liability Premium based on Fiscal HP × Bonus/Malus Factor) + Selected Optional Riders + 14% Insurance Contract Tax & FSEC Catastrophe Fund.

Frequently Asked Questions

Claim-free driving yields a discount (Bonus) ranging from 10% up to 30% over progressive consecutive years, whereas at-fault accidents trigger a 20% surcharge (Malus) per claim.

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Morocco

Morocco Car Insurance Unified Tariff Calculator 2026 (ACAPS)

Calculator Inputs

Calculation Methodology

Frequently Asked Questions

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