The insurance contract
- The contract is evidenced by a written policy; the insured must accurately disclose the risk and any aggravation of it.
- In the event of a loss, the insured must report the claim within the period stipulated in the contract, which may not be less than five days.
- Actions arising from the contract are time-barred after two years from the event giving rise to them (Art. 36).
Compulsory insurance
- Every land motor vehicle must be covered by third-party liability insurance (Art. 120); driving without insurance is a criminal offence.
- The Road Accident Guarantee Fund compensates victims where the person responsible is unknown or uninsured.
- Compensation for road accident victims follows the scale set by the Dahir of 2 October 1984.
Key articles
Art. 36
« All actions arising from an insurance contract are time-barred after two years from the event giving rise to them. »
Art. 120
« Any natural or legal person whose civil liability may be incurred for bodily injury or property damage caused to third parties by a land motor vehicle must be covered by an insurance contract. »
A lawyer's points to watch
- The two-year limitation period is short: interrupt it by registered letter or by legal action.
- An intentional misrepresentation of the risk renders the contract void; an unintentional omission reduces the indemnity.
- Exclusions of cover must be stated in very prominent characters to be enforceable.
The English text on this page, including the quoted articles, is an unofficial translation. Information sheet prepared by Maître Lahfaia Law Firm, Rabat. It does not constitute legal advice. Only the text published in the Official Bulletin of the Kingdom of Morocco is authoritative; the articles cited may have been amended since this sheet was written.