Morocco’s car owners are facing a 5% increase in civil liability insurance premiums, effective August 4, 2026, a measure that has drawn criticism from consumer protection groups, which say it was introduced without enough explanation to consumers and without taking current economic conditions into account.
The increase applies to the mandatory civil liability cover for vehicles but does not immediately affect existing contracts.
Policyholders will keep their current terms until their contracts expire, with the new rate applying upon renewal or when a new contract is signed.
The increase was originally scheduled for April but was pushed back to August.
It comes as Morocco reforms its road accident compensation system, following changes to a 1984 law governing compensation for people injured in motor-vehicle accidents.
The changes were introduced under Law No. 70.24 and came into effect on January 29, 2026.
The reform also updates a system that had been in place for more than 40 years, including how compensation is calculated.
Yet, the Moroccan Federation for Consumer Rights strongly criticized the increase, saying any changes to compulsory insurance premiums must follow strict rules on transparency and fair competition.
It also questioned whether insurers were raising prices ahead of the new rules on compensation for road accident victims, using the legal changes to justify higher premiums before their impact could even be assessed.
The federation also pointed to Morocco’s growing car fleet, saying the rise in insured drivers is already boosting insurers’ profits.
It said this growth should help lower premiums or improve services, rather than add to drivers’ financial burden.
The group also called on insurers to clearly explain the reasons behind the higher premiums and urged the government and relevant authorities to step in.
It called for the rates to be reviewed to ensure they comply with pricing rules and protect policyholders from unjustified increases.
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