Rental Car Insurance in Morocco: Deductibles, CDW and Essential Coverages Explained

At the rental desk, the insurance question always comes at the wrong moment, when you are keen to get going. What does basic cover include? Should you pay extra to reduce the excess, or for glass and tyres? Does your premium bank card's cover work in Morocco? Here is enough to decide without paying twice for the same thing or driving under-insured.

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Published on 26 September 2026

Mandatory third-party liability: always included
Collision Damage Waiver (CDW) and how the deductible works
Glass breakage, tires, and undercarriage: standard exclusions
Premium credit cards (Visa, Mastercard, Amex) in Morocco

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Mandatory third-party liability: always included

In Morocco, every vehicle on the road must carry third-party liability insurance, and rental cars are no exception. On Loccor, this cover is included with every vehicle listed. Loccor does not insure anyone itself: extra cover is taken out with the partner agency when you collect the car.

Third-party liability pays for damage and injury you cause to others (other cars, pedestrians, passengers) in an accident that is your fault. It does not pay to repair your rental car if the accident is your fault.

Collision Damage Waiver (CDW) and how the deductible works

Damage cover, often called CDW (Collision Damage Waiver), caps what you have to pay if the car is damaged. That cap is called the excess (deductible).

If you scrape the car, or find it scratched in a car park without knowing who did it, you do not pay for the whole repair: the agency keeps the real cost of the damage, up to the excess written in your contract. The agency sets that amount: it appears on the vehicle listing when the agency has filled it in, otherwise the agency tells you at the desk.

Glass breakage, tires, and undercarriage: standard exclusions

Read the list of exclusions. In many rental contracts, punctures, torn tyres, rims scraped on kerbs and stone chips on the windscreen are not covered by basic cover.

If you are crossing the High Atlas passes or the Rif roads, where lorries throw up gravel, the agency's glass and tyre option (price set by the agency, taken at pick-up) saves you a nasty surprise at return.

Premium credit cards (Visa, Mastercard, Amex) in Morocco

Many travellers have a premium bank card that refunds the excess on a rental car. Whether it applies in Morocco depends on your card contract: neither Loccor nor the agency can confirm it for you, so call your bank before you leave.

The bank usually requires you to pay for the rental with that card (on Loccor, the deposit is paid online and the balance at the agency: check this split is accepted) and to decline the excess waiver offered at the desk. If there is damage, the agency keeps the repair cost up to the excess, from the security deposit if there is one. Keep the itemised invoice: your bank then refunds you on supporting documents, within the time its contract sets.

Frequently asked questions

What should I do if an accident happens on a Moroccan road?

Fill in a joint accident report signed by both drivers, or call the police in town and the gendarmerie outside towns so they write up an official report. Then tell the agency straight away, and Loccor at the same time through your account messages or WhatsApp.

Are flat tires covered by standard car insurance?

Usually not: tyres are generally excluded from basic cover, so check the agency's contract. On the other hand, you will find small tyre shops (signposted "vulcanisation") in almost every small town, and they fix a puncture quickly.

Is vehicle theft covered?

It depends on the agency's contract. Theft Protection (TP) is often one of the options offered at the desk. It usually requires you to hand back the original keys and the receipt for your police report.

Sources

ACAPS — acaps.ma

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Written by the Loccor editorial team, the platform connecting travellers with car rental agencies in Morocco.