Car Insurance

What is "Comprehensive Car" Insurance?

Comprehensive car insurance is designed to provide extensive coverage in the event of an accident or damage involving the insured vehicle. It specifically covers:

• Bodily injury or property damage suffered by victims of traffic accidents caused by the policyholder's vehicle, including its trailers or semi-trailers.
• Damages to the policyholder's vehicle, whether resulting from an accident, vandalism, or any other insured incident.

This insurance applies to any motorized land vehicle not connected to a railway network.

Legal Obligation and Motor Vehicle Liability 

According to current regulations (Article 120 of the Insurance Code), any individual or legal entity whose civil liability may be engaged due to the damages mentioned above is required to take out Motor Vehicle Civil Liability insurance.
Additionally, garage owners and automotive professionals—such as brokers, dealers, repairers, breakdown services, and vehicle testers—must insure the vehicles entrusted to them. This coverage extends to their employees and anyone authorized to have custody or control of the vehicle under the terms of the insurance contract.

What does the "Comprehensive Car Insurance" Contract Cover ?

The car insurance contract covers, among other things :

Car Civil Liability Coverage (Mandatory) 

Under the "Car Civil Liability" cover, whose standard general Terms and Conditions are set by Order of the Minister of Finance and Privatisation no. 1053-06 of 26 May 2006:

• The pecuniary consequences of the civil liability which may be incurred by the policyholder for bodily injury or material damage to the person or property of third parties, resulting from accidents, fires or explosions caused by the policyholder's vehicle or arising from the equipment, accessories and products used for its use, the objects and substances which it transports, as well as from the fall of this equipment, accessories, products, objects or substances.
• The pecuniary consequences of civil liability which may be incurred as a result of an accident caused by the opening of a door by any person with a view to taking a seat in the policyholder's vehicle or having taken a seat in that vehicle.
• Accidents caused by the policyholder's vehicle, whether it is occasionally towing a broken-down vehicle or is itself being towed by another vehicle.
•  If the policyholder's vehicle is a recovery vehicle, the guarantee applies when it is towing or transporting other vehicles and during recovery operations by this vehicle.

Optional "Vehicle Damage" Coverages (Additional Premium Required)  

Under the Optional "Vehicle Damage" Covers, Subject to Payment of an Additional Premium :

"Third Party" cover 

Damage to the policyholder's vehicle in the event of :

• Collision with one or more other vehicles;
•  impact with a fixed or moving body (including people and animals);
• Rollover with or without prior collision;
• Falling objects or substances on the parked vehicle.

"Collision Damage" cover 

Damage to the policyholder's vehicle in the event of a collision with:

• A vehicle (including horse-drawn vehicles, cycles with or without a motor) belonging to an identified third party, other than the policyholder or the owner of the policyholder's vehicle;
• An identified pedestrian;
• An animal belonging to an identified person or on motorways.
• It should be noted that the "Collision Damage" guarantee cannot be combined with the "Third Party" guarantee.

"Fire" Cover 

Damage to the policyholder's vehicle is covered if this damage is the result of the following events: fire, conflagration, flashover, simple combustion, explosion or lightning strike.

"Theft" Cover  

Damage to the policyholder's vehicle is covered if this damage results from the disappearance or deterioration of the policyholder's vehicle following a theft or attempted theft.

"Glass Breakage" Cover 

Damage resulting from breakage to the elements indicated in the contract (e.g. windscreen, front and rear side windows, door windows, rear window, fixed or transparent sunroof, etc.) is covered.

"Flooding" Cover 

Damage to the policyholder's vehicle is covered when this damage is the result of abnormal water intensity caused by the events indicated in the contract. For example :

• run-off water;
• clogging and back-up of sewers;
• tides and tidal waves;
• overflow of springs and rivers;
• moving masses of snow or ice.

Optional Cover for Persons Transported by Car (Additional Premium Required) 

Under the Optional Cover "Persons Transported by Car" Subject to the Payment of a Premium:
Bodily injury to policyholder Persons in the event of accidents involving the policyholder's vehicle is covered:

Accidental death 

In the event of the death of the policyholder, the Insurer guarantees the payment of the capital provided for in the contract, if this death occurs either immediately or within one year after the date of the accident when the death is consecutive to the accident.

Permanent disability  

In the event of permanent disability following a covered accident, and as soon as the injuries are consolidated, the Insurer guarantees payment to the policyholder of the sum corresponding to the policyholder capital multiplied by the rate of disability (assessed according to the scale attached to the contract).

Medical, pharmaceutical and hospitalisation expenses  

The Insurer guarantees the policyholder Persons the reimbursement of medical, pharmaceutical and hospitalisation expenses incurred as a result of injuries caused by an policyholder accident.

What Does the Traffic Accident Guarantee Fund cover ?

The Traffic Accident Guarantee Fund provides compensation for victims of road accidents in cases where the responsible party is either unidentified, uninsured, or insolvent. This coverage applies to personal injuries caused by a land motor vehicle not linked to a railway, including its trailers or semi-trailers.
This guarantee is granted in accordance with the provisions of the Moroccan Insurance Code (Articles 133 et seq.), ensuring financial protection for accident victims who would otherwise be left without compensation.

Rights and obligations of the policyholder

We invite you to refer to the "Insurance Guide" published on the ACAPS portal.
In addition, any person subject to the obligation to insure against "Motor Vehicle Liability" referred to in Article 120 of the Insurance Code who is refused insurance by an insurance or reinsurance company  authorised to insure motor vehicle risks may refer the matter to ACAPS, which will determine the premium for which the insurance or reinsurance company concerned is obliged to insure the risk proposed.

What does the Authority do ?

Within the framework of the powers vested in it by Law No. 64-12  establishing the Insurance and Social Security Supervisory Authority (ACAPS), the latter institution ensures that any and all insurance products offered to consumers are understandable, balanced, useful and that they comply with the regulations in force.

It also shall monitor the reliability of the information provided to policyholders and ensure the fair treatment of policyholders by Insurers.

Legal/Judicial Remedies in Case of Dispute with Your Insurer

Under Article 7 of Law No. 64-12, ACAPS  is authorized to investigate complaints from policyholders regarding insurance companies and intermediaries (brokers).
However, it is recommended to first contact the broker or insurer concerned. If the dispute persists, the policyholder may submit a complaint to ACAPS through the available channels. The Authority will then examine the case and take appropriate action in accordance with the applicable legal and regulatory provisions.