Renting a car in Morocco is a fantastic way to explore the country at your own pace. However, understanding how car rental insurance works is crucial to avoid unexpected costs and ensure a smooth experience. In this guide, we’ll explain the different types of insurance, what to do in case of an accident, and how to handle claims properly.
In this article, we will compare the differences between renting through an international company and using a local car rental platform, helping you make the best choice for your trip.
1. Types of Car Rental Insurance in Morocco
Normal Insurance (Basic Coverage – Included by Default)
Every rental car in Morocco comes with basic third-party liability insurance, which covers damage to others but not your rental car.
✔ Covers only third-party damages – If you hit another vehicle or damage someone’s property, their repair costs are covered.
❌ Does NOT cover damage to the rental car – If you damage the rental car, you are fully responsible for the repair costs.
✔ If the accident is NOT your fault, you don’t have to pay anything, but you must file an official accident report (“constat”) to prove that the other driver is responsible.
❌ If the accident IS your fault, you must pay the full repair cost of the rental car.
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“Tout Risque” Insurance (Full Coverage with Franchise/Deductible)
For extra protection, you can upgrade to full insurance (“tout risque”), which provides coverage for both third-party and rental car damages.
✔ Covers both third-party damages AND damage to the rental car – Even if you cause an accident, your repair costs are covered.
✔ Limits your financial responsibility – You only pay a franchise (deductible), and the insurance covers the rest.
✔ Peace of mind – Avoids large unexpected expenses in case of an accident.
Franchise Amounts (Deductible) Based on Car Type
Small cars (e.g., Dacia Logan, Kia Picanto) → Franchise: €500 ($550 USD)
SUVs & luxury cars (e.g., Audi Q7, Mercedes GLE) → Franchise: €1,500 ($1,650 USD)
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2. What to Do in Case of an Accident in Morocco?
If you’re involved in an accident, follow these steps carefully to avoid unnecessary charges:
Step 1: Ensure Safety First
- Stop the car immediately and turn on your hazard lights.
- If necessary, move the vehicle to avoid blocking traffic.
- Check if anyone is injured. If medical assistance is needed, call an ambulance (15) or the police (19 in cities, 177 on highways).
Step 2: Contact the Rental Company
- Call MarHire Car immediately and inform us about the accident.
- We will guide you on the next steps and assist you if a tow truck is required.
📞 Need immediate assistance? Contact us here.
Step 3: Contact the Insurance Agent & File a Constat (Accident Report)
- If the accident involves another vehicle, you must file an official accident report, called a “constat amiable”.
- This document is mandatory to determine who is responsible for the accident.
- Who to contact?
- Call the police (19 in cities, 177 on highways) to assist with the report.
- If the other driver is cooperative, you can fill out the constat together and sign it.
Step 4: Gather Evidence
- Take clear photos of:
- The damage to all vehicles involved.
- License plates of the other car(s).
- The accident scene (road conditions, traffic signs, etc.).
- The other driver’s insurance document and ID.
- If there are witnesses, get their contact information in case further clarification is needed.
Step 5: Submit the Constat to the Rental Agency
- If the accident is NOT your fault, submitting the constat ensures you don’t have to pay for damages.
- If you fail to provide the constat, you may be held responsible for the damages, even if the accident was not your fault.
- Deliver the report to the rental company as soon as possible.
3. Key Differences Between Normal & Full Insurance
| Feature | Normal Insurance | “Tout Risque” Insurance |
|---|
| Covers third-party damages? | ✅ Yes | ✅ Yes |
| Covers damage to rental car? | ❌ No | ✅ Yes |
| Amount you pay if you damage the car | 💰 Full repair cost | 💰 Only the franchise amount |
| Do you need a constat if it’s not your fault? | ✅ Yes | ✅ Yes |
| Recommended for tourists? | ❌ No | ✅ Yes |
4. Why Choose Full Insurance?
Moroccan roads can be unpredictable, especially if you’re unfamiliar with local driving habits. Taking “tout risque” insurance is highly recommended for tourists because:
- It limits your financial risk – Instead of paying thousands in repairs, you only pay a fixed deductible.
- It reduces stress – No need to worry about minor scratches or accidents.
- It protects you against unexpected costs – Even if an accident happens, you won’t be left with a huge bill.
5. High-Quality External Resources for More Information
For a deeper understanding of car rental laws, insurance policies, and driving regulations in Morocco, check out these expert sources:
- Moroccan Road Safety Rules & Regulations – Official website of Morocco’s Directorate of Road Transport.
- Your Guide to Driving in Morocco – Safety tips for driving as a tourist in Morocco.
- Car Rental Insurance Explained – A comprehensive guide to rental car insurance worldwide.
Final Tips for a Hassle-Free Car Rental Experience in Morocco
✔ Inspect the car before driving off – Take photos and videos of any existing damage.
✔ Ask for a copy of the insurance policy – Know exactly what’s covered.
✔ Always carry your rental documents – Keep your passport, driving license, and rental agreement with you.
✔ Be prepared for police checkpoints – Officers may ask for your papers, so keep them accessible.
✔ Drive carefully – Moroccan roads can have unexpected obstacles like pedestrians, motorbikes, or animals.
Understanding how car rental insurance works in Morocco helps you make an informed decision and avoid unexpected costs. Whether you choose normal insurance or upgrade to “tout risque” insurance, knowing the process in case of an accident is essential.