---
title: "What insurance do I need?"
description: "Tick your situation and get the insurance you need in Morocco, in order: what the law requires, what a bank or consulate asks for, and what is worth buying."
url: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/find-your-insurance/
language: en
translations:
  fr: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/fr/trouver-votre-assurance/
  ar: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/ar/find-your-insurance/
last_checked: 2026-10
publisher: "Assurlik"
---
# What insurance do I need?

Tick everything that describes you. Your list sorts the covers into four levels, starting with what the law requires, and each line links to the guide that explains it.

Interactive checklist on the web page. The rules it applies are listed below: each situation leads to covers ranked as compulsory by law, required by a contract, strongly recommended, or worth considering.

| Situation | Cover | Level | Why |
|---|---|---|---|
| I own or drive a car | [Motor liability insurance (RC)](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/car-insurance/#what-the-law-requires) | Compulsory by law | Every vehicle on the road must carry liability cover. Driving without it risks a fine of 1,200 to 6,000 MAD and up to six months in prison. |
| I ride a motorbike, scooter or moped | [Motorbike or moped liability insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/car-insurance/#motorbikes-mopeds-and-electric-scooters) | Compulsory by law | Mopeds, scooters and motorbikes are motor vehicles, so liability cover is compulsory for them too. |
| I bring a foreign-registered vehicle into Morocco | [Green card valid for Morocco, or frontier insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/moroccans-abroad/#coming-to-morocco-by-car) | Compulsory by law | A vehicle registered abroad must be insured for Morocco from the border: a green card that lists Morocco, or frontier insurance bought on arrival. |
| I am a private-sector employee | [AMO through CNSS](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#which-amo-scheme-are-you-in) | Compulsory by law | Your employer must register you with CNSS. AMO then covers you, your spouse and your children. |
| I work in the public sector | [AMO through CNOPS and your mutual](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#which-amo-scheme-are-you-in) | Compulsory by law | Public-sector staff are covered by CNOPS and its mutuals. Management moves to CNSS in early 2027 and your rights are kept. |
| I am self-employed, a professional or an auto-entrepreneur | [AMO for the self-employed](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#which-amo-scheme-are-you-in) | Compulsory by law | The self-employed, professionals and auto-entrepreneurs must join AMO through CNSS and pay a flat contribution. |
| I farm: crops or livestock | [AMO for the self-employed](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#which-amo-scheme-are-you-in) | Compulsory by law | Farmers join AMO through CNSS as self-employed workers. |
| I am not working at the moment | [AMO Tadamon or AMO Achamil](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#which-amo-scheme-are-you-in) | Compulsory by law | Everyone must have basic health cover. Without the means to pay it is free (AMO Tadamon); otherwise you pay a monthly contribution (AMO Achamil). |
| I am a student | [AMO as a dependant or a student](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#which-amo-scheme-are-you-in) | Compulsory by law | Students are covered as dependants of an insured parent up to age 26, or through AMO Tadamon. |
| I am retired | [AMO for pensioners](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#which-amo-scheme-are-you-in) | Compulsory by law | AMO continues in retirement, paid for by a contribution taken from the pension. |
| I employ staff in my business | [Work accident insurance for your staff](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/business-insurance/#work-accidents) | Compulsory by law | Employers must insure their staff against work accidents. The fine for not doing so runs from 50,000 to 100,000 MAD. |
| I employ staff in my business | [Declaring staff to CNSS](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/business-insurance/#what-is-compulsory) | Compulsory by law | Declaring employees to CNSS opens their AMO, family allowances and pension. |
| I employ someone at home | [Household staff: CNSS and accident cover](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/family-school-insurance/#household-staff) | Compulsory by law | Household staff must have a written contract, be declared to CNSS and be covered against work accidents. |
| I am building or developing property | [Site insurance and ten-year liability](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/business-insurance/#building-work-site-insurance-and-ten-year-liability) | Compulsory by law | Compulsory since 30 December 2024 for larger buildings: housing of more than three storeys or 800 m², and commercial, industrial or hotel buildings. |
| I hunt | [Hunting liability insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/family-school-insurance/#leisure-hunting-boats-sport-and-devices) | Compulsory by law | A hunting permit is issued only with a liability insurance certificate. |
| I have, or am applying for, a bank loan | [Borrower insurance: death and disability](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/loan-insurance/#what-it-is-and-who-asks-for-it) | Usually required by a bank, a school or a consulate | Banks require cover that repays the outstanding capital if you die or become totally disabled. |
| I have, or am applying for, a bank loan + I own my home | [Fire or multi-risk cover on the financed property](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/home-insurance/#is-it-compulsory) | Usually required by a bank, a school or a consulate | Lenders usually require the financed property to be insured against fire for the life of the loan. |
| My financing is with a participative (Islamic) bank | [Takaful cover for participative financing](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/takaful/#what-you-can-buy-today) | Usually required by a bank, a school or a consulate | Participative banks pair Mourabaha financing with Takaful death and disability cover and building cover. |
| I have children at school | [School insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/family-school-insurance/#school-insurance) | Usually required by a bank, a school or a consulate | Schools insure their pupils and bill parents for it. Ask what the policy covers and whether it applies outside school. |
| I travel abroad | [Travel assistance that meets visa rules](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/travel-insurance/#when-travel-insurance-is-required) | Usually required by a bank, a school or a consulate | A Schengen visa requires cover of at least 30,000 euros for medical costs and repatriation. |
| I own or drive a car | [Driver and passenger protection](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/car-insurance/#optional-guarantees) | Strongly recommended | Your own liability policy never pays for the driver's injuries. This inexpensive option does. |
| I ride a motorbike, scooter or moped | [Driver and passenger protection](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/car-insurance/#optional-guarantees) | Strongly recommended | Riders are the most exposed road users, and the compulsory cover does not protect the rider. |
| I rent my home | [Tenant's home insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/home-insurance/#tenant-owner-landlord-co-owner-what-to-insure) | Strongly recommended | Not compulsory by law, but a tenant answers for fire and water damage to the landlord's property, and many leases require it. |
| I own my home | [Home insurance for the building and its contents](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/home-insurance/#tenant-owner-landlord-co-owner-what-to-insure) | Strongly recommended | Not compulsory, yet it is the only protection for what is usually your largest asset. It also brings the catastrophic-events guarantee. |
| My home is in a co-owned building | [The building's policy, plus cover for your own unit](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/home-insurance/#tenant-owner-landlord-co-owner-what-to-insure) | Strongly recommended | The building's policy, when there is one, covers the common parts. Your walls, contents and liability need your own policy. |
| I am a private-sector employee | [Complementary health insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#why-people-add-complementary-cover) | Strongly recommended | AMO refunds 70% of a reference tariff that is often far below real fees. Ask whether your employer has a group policy before buying your own. |
| I am a private-sector employee | [Your CNSS pension record](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/retirement-pension/#the-cnss-pension-rules-in-2026) | Strongly recommended | Your pension depends on the days and salaries your employer declares. Check them on macnss.ma once a year. |
| I am self-employed, a professional or an auto-entrepreneur | [Death and disability cover](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/life-insurance/#death-and-disability-cover) | Strongly recommended | No employer stands behind you. Cover that pays out if illness or an accident stops you working protects your household. |
| I am self-employed, a professional or an auto-entrepreneur | [Professional and business liability](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/business-insurance/#liability) | Strongly recommended | Compulsory for several regulated professions, and sensible for anyone whose mistake can cost a client money. |
| I am self-employed, a professional or an auto-entrepreneur | [A retirement top-up](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/retirement-pension/#complementary-pensions) | Strongly recommended | Your compulsory pension rights are thin. Savings set aside now, with tax relief, do most of the work. |
| I employ staff in my business | [Professional and business liability](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/business-insurance/#liability) | Strongly recommended | Covers the damage your business may cause to customers, visitors and other third parties. |
| My business has premises, stock or equipment | [Multi-risk cover for premises and stock](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/business-insurance/#premises-equipment-and-loss-of-income) | Strongly recommended | Fire, water damage or theft in your premises can stop the business. One contract covers the building, the stock and the equipment. |
| I am retired | [Complementary health insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#why-people-add-complementary-cover) | Strongly recommended | Health costs rise with age, and AMO leaves a large share of private-sector fees unpaid. |
| Other people depend on my income | [Death cover to protect your family](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/life-insurance/#death-and-disability-cover) | Strongly recommended | If your income stopped tomorrow, a death and disability policy is what would keep your family's budget standing. |
| I live abroad and come back to Morocco | [Repatriation and assistance contract](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/moroccans-abroad/#repatriation-and-assistance-contracts) | Strongly recommended | Repatriation of a body costs several thousand euros. An assistance contract organises and pays for it, and helps during trips to Morocco. |
| I am a foreigner living in Morocco | [Health cover as a foreign resident](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/moroccans-abroad/#foreign-residents-and-visitors) | Strongly recommended | Employees join AMO through their employer. Others need private cover, since private clinics ask for payment up front. |
| I farm: crops or livestock | [Subsidised climate cover for crops](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/farm-insurance/#subsidised-climate-cover) | Strongly recommended | The State pays most of the contribution for cereal and pulse growers, up to 90%. |
| I own or drive a car | [Cover for your own vehicle: theft, fire, glass, collision](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/car-insurance/#which-formula-fits-your-car) | Worth considering | Worth it for a recent or financed car. For an older car, theft, fire and glass cover is usually enough. |
| I own or drive a car | [Roadside assistance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/travel-insurance/#assistance-contracts-in-morocco-car-and-medical) | Worth considering | Towing and breakdown help, usually sold with the policy for a small yearly fee. |
| I own my home | [Catastrophic events cover](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/earthquake-flood-insurance/#how-the-scheme-works) | Worth considering | Included automatically in every home and motor policy. Without a policy, only the solidarity fund helps, with lower amounts. |
| I am a private-sector employee | [A retirement top-up](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/retirement-pension/#complementary-pensions) | Worth considering | The CNSS pension cannot exceed 4,200 MAD a month. If you earn more than 6,000 MAD, a top-up scheme fills the gap. |
| I work in the public sector | [Complementary health insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#why-people-add-complementary-cover) | Worth considering | Your mutual already tops up CNOPS. A complementary policy helps mainly with private clinics and dental or optical costs. |
| Other people depend on my income | [Education or long-term savings plan](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/life-insurance/#savings-and-capitalisation) | Worth considering | A savings contract held for at least eight years pays out free of income tax. |
| I have children at school | [Personal accident cover for the family](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/family-school-insurance/#personal-accident-cover) | Worth considering | School cover is narrow. A family accident policy applies at home, in sports and on holiday. |
| I have children at school | [Private-life liability](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/family-school-insurance/#private-life-liability) | Worth considering | Pays when your child injures someone or breaks something. It is often already inside your home policy. |
| I am retired | [Funeral or assistance cover](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/life-insurance/#death-and-disability-cover) | Worth considering | A small contract can spare your family the cost and the paperwork at a difficult time. |
| I live abroad and come back to Morocco | [Insurance for your home in Morocco](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/moroccans-abroad/#your-home-in-morocco) | Worth considering | A home that stays empty for months needs a policy that accepts long absences. Check the vacancy clause. |
| I farm: crops or livestock | [Livestock, equipment and farm liability](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/farm-insurance/#other-farm-covers) | Worth considering | Livestock mortality, hail, machinery and liability are separate contracts. |
| I prefer Sharia-compliant (Takaful) cover | [Takaful savings and investment](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/takaful/#what-you-can-buy-today) | Worth considering | Takaful savings and investment contracts exist alongside the cover tied to participative financing. |

## How to read your list

- **Compulsory by law.** There is no choice. Driving, employing staff or hunting without the cover is an offence, and joining a health scheme is a legal duty.
- **Usually required.** The law does not impose it, but the bank, the school or the consulate you deal with does. You can often choose the insurer yourself.
- **Strongly recommended.** It protects you against a loss that would seriously damage your finances, for a price that is small next to that loss.
- **Worth considering.** Useful in some situations. Compare the premium with what you could pay out of your own pocket.

> **Tip.** If money is tight, insure first what you could never pay for yourself: the injuries you might cause to others, your home, a serious illness, and your family's income if you died. Small losses are cheaper to bear than to insure.

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## Official sources

- [ACAPS](https://www.acaps.ma): The insurance regulator: licensed companies and rules
- [CNSS](https://www.cnss.ma): AMO, family allowances and private-sector pensions
- [Educaps](https://www.educaps.ma): Plain-language guides from ACAPS

## Related guides

- [How insurance works](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/how-insurance-works/)
- [Car and motorbike](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/car-insurance/)
- [Health and AMO](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/)
- [Home insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/home-insurance/)