Insurance Conditions

MarHire Car Rental Insurance Conditions

Update Date: 2 April 2026
marhire.com | [email protected] | WhatsApp/Phone: +212 660 745 055

1) Overview

MarHire provides car rentals across Morocco. Every rental includes Full Insurance coverage. Depending on the vehicle you book, one of three insurance plans applies. The key differences between plans relate to the excess (deductible), the security deposit, and documentation requirements.

What "Full Insurance" means: The vehicle is fully covered against accidental damage. However, "full" does not mean the driver never pays anything it depends on who is at fault:

Accident report confirms the driver is at fault: The driver pays up to the excess amount applicable to their plan (Plans 1 and 2), depending on the actual cost of the damage. If the damage costs less than the excess, the driver only pays the actual repair cost never more than the excess cap. Plan 3 drivers pay nothing (€0 excess).
Accident report confirms the driver is NOT at fault: The driver pays nothing (€0), provided all required documentation is submitted and the insurer confirms non-fault.

Please read your booking confirmation to identify which plan applies to your vehicle.

Important: For all three plans, a police report or insurer's accident report is always required regardless of the damage amount. Without this document, the client is liable for the full cost of all damage.

2) Your Insurance Plan Three Options

Plan 1 Standard with Deposit

Available on: All vehicles

Full insurance (CDW) included
Driver at fault: pays up to the excess see §3 for amounts by vehicle category
Driver not at fault: pays €0
Refundable security deposit required at pick-up
Minimum driver age: 21 years old
Police/insurance report always required
No report provided = client pays all damage

Plan 2 Standard without Deposit

Available on: Select vehicles

Full insurance (CDW) included
Driver at fault: pays up to the excess see §3 for amounts by vehicle category
Driver not at fault: pays €0
No security deposit required
Minimum driver age: 21 years old
Police/insurance report always required
No report provided = client pays all damage

Plan 3 Premium without Deposit

Available on: Select vehicles

Full insurance (CDW) included
Driver at fault or not at fault: pays €0 (no excess)
No security deposit required
Tyres excluded from coverage
Minimum driver age: 30 years old
Police/insurance report always required
No report provided = client pays all damage

3) Plan Comparison Table

Feature	Plan 1 Standard with Deposit	Plan 2 Standard without Deposit	Plan 3 Premium without Deposit
Full Insurance (CDW)	Included	Included	Included
Driver at Fault Cost	Pays up to excess (€500–€6,500)	Pays up to excess (€500–€6,500)	€0 Nothing to pay
Driver Not at Fault Cost	€0 Nothing to pay	€0 Nothing to pay	€0 Nothing to pay
Security Deposit at Pick-up	Required (cash or card)	Not required	Not required
Glass & Windscreen Coverage	Included	Included	Included
Tyre & Wheel Coverage	Excluded	Excluded	Excluded
Minimum Driver Age	21 years old	21 years old	30 years old
Police/Insurance Report Required	Always	Always	Always
No Report Provided	Client pays all damage	Client pays all damage	Client pays all damage
24/7 Roadside Assistance	Included	Included	Included
Vehicle Availability	All vehicles	Select vehicles	Select vehicles

4) What Is Covered (All Plans)

Collision Damage Waiver (CDW): Covers accidental damage to the rental vehicle. If the accident report confirms the driver is at fault, the driver pays up to the excess amount (Plans 1 and 2) depending on the actual repair cost never more than the excess cap. If the driver is not at fault and documentation is provided, the driver pays nothing. Plan 3 drivers pay nothing regardless of fault.

Glass & Windscreen: Damage to the windscreen, windows, and mirrors is covered under all three plans. No additional add-on is required.

24/7 Roadside Assistance: Towing to the nearest partner garage, breakdown coordination, and accident assistance available at all times. See §11 for details.

4A) Non-Fault Accidents (All Plans)

If the accident report confirms you are not at fault, you pay nothing (€0) provided all required documentation is submitted and the insurer confirms non-fault.

Required documentation:

Full police report or signed constat amiable including the third party's details
Photos of the scene, both vehicles, all damage, and licence plates with date, time, and location
Third party's insurance certificate, vehicle plate, and driver licence details
Your rental agreement and valid driver licence
Witness details if available

Timing: Notify MarHire Support immediately and submit all documents within 24 hours (or the next working day if outside business hours).

Notes:

If the insurer later determines shared or full liability on your side, the excess applicable to your plan (Plans 1 and 2) will apply based on the actual damage cost.
Hit-and-run or unknown third party: if the responsible party cannot be identified, the excess (Plans 1 and 2) applies until liability is recovered from the third party. Plan 3 carries no excess.

5) Excess (Deductible) Plans 1 & 2

The excess is the maximum you pay when the accident report confirms you are at fault or the at-fault party is unknown. The actual amount charged depends on the repair cost you never pay more than the excess cap and never more than the actual damage cost.

Example: If your excess is €700 and the repair costs €400, you pay €400. If the repair costs €900, you pay €700 (the cap). If you are not at fault, you pay €0.

Plan 3 carries no excess the driver pays €0 regardless of fault.

Vehicle Category	Example Models	Excess Cap (Plans 1 & 2)	Plan 3
Economy / City	Peugeot 208, Renault Clio 5, Dacia Logan	≈ €500 – €700	€0
Compact / Family & Crossovers	Peugeot 308, Dacia Duster, Renault Kadjar	≈ €700 – €900	€0
SUV / 4×4	Toyota Land Cruiser, Kia Sorento	≈ €1,000 – €1,900	€0
Premium / Luxury	Mercedes E-Class, BMW 5 Series, Audi A6	≈ €2,000 – €6,500	€0

The exact excess for your specific vehicle appears on the car documentation provided at pick-up.

6) Security Deposit

Plan 1 Standard with Deposit: A refundable security deposit usually at or above the applicable excess is collected at pick-up. Payment is by cash by default. Card payment is accepted where a card machine is available at the pick-up location. The deposit is refunded after the vehicle passes final inspection. Card holds are typically released within 3 to 14 business days depending on your bank.

Plans 2 & 3 No Deposit Required: No deposit is collected at pick-up. All other insurance conditions, including applicable exclusions and the excess (Plan 2), remain in full effect. Plan 3 eliminates both the deposit and the excess, meaning zero out-of-pocket exposure for covered incidents subject to the exclusions in §9 and report requirements in §2.

7) Optional Add-Ons (Availability Varies)

Excess Reduction / SCDW (Plans 1 & 2 only): Lowers your excess cap to a reduced amount for covered incidents. Exclusions in §9 still apply.

8) Driver Eligibility & Permitted Use

Minimum age & licence (Plans 1 & 2): 21+ years old with 2+ years of valid driving licence. Higher requirements may apply to certain vehicle categories.
Minimum age & licence (Plan 3): 30+ years old with 2+ years of valid driving licence.
Named drivers only: Only drivers listed on the rental agreement are insured. Any unlisted driver voids coverage.
Territory: The vehicle is insured for use within Morocco only.
Road types: Off-road use is not permitted. Unpaved tracks or terrain that risks underbody or undercarriage damage are considered off-road use.

9) Common Exclusions (All Plans)

Insurance including any optional SCDW does not cover the following. The client will be held fully liable for all resulting costs:

Driving under the influence of alcohol or drugs, reckless or dangerous driving, or racing
Unauthorised drivers (any driver not named on the rental agreement)
Use of the vehicle for commercial hire or to carry passengers for reward
Negligence: leaving the car unlocked, keys in the vehicle, improper loading, ignoring warning lights
Damage to interior, upholstery, roof, undercarriage, clutch or gearbox from misuse; engine damage from wrong fuel; contamination
Wheels and tyres
Lost, stolen, or damaged keys; key replacement and lockout service fees
Personal belongings left in or stolen from the vehicle
Hit-and-run without a police report, or any incident where required documents are not provided
Off-road use or undercarriage damage caused by road conditions not appropriate for the vehicle

10) If You Have an Accident or Damage What to Do

Ensure the safety of all persons. Call emergency services if needed (190 Police / 150 SAMU).
Contact MarHire Support immediately: WhatsApp/Phone +212 660 745 055. Do not wait.
Do not admit liability at the scene under any circumstances.
Obtain a police report or a completed and signed constat amiable (friendly accident report).
Photograph the scene, all vehicles, licence plates, and all damage. Record the exact location, date, and time.
Collect the third party's insurance certificate, vehicle registration, and driver licence details. Collect witness names and contact information.
Submit all documentation report, photos, rental agreement — to the partner at or before vehicle return.

Important: Failure to provide required documentation may result in full liability up to the vehicle's total value, plus downtime charges, towing fees, and administration costs even if a waiver is otherwise in place.

11) Roadside Assistance & Replacement Vehicles

Assistance is available 24/7. Towing is to the nearest partner garage or as directed by the insurer.

A replacement vehicle is subject to availability and the nature of the incident. If damage results from an excluded use (see §9), costs may apply and a replacement may be refused.

12) Inspection, Repairs & Charges

All repairs must be authorised by MarHire or the insurer. Unauthorised repairs are not reimbursed.
You agree to pay: the applicable excess (based on actual damage cost up to the excess cap), any fines or tolls, towing costs where you were at fault or an exclusion applies, administration fees, and any downtime charges permitted under Moroccan law and the rental contract.
Final charges are calculated after inspection and receipt of repair invoices or standardised damage matrices used by the partner.

13) Documents Required at Pick-Up

Valid passport and driving licence; International Driving Permit where required
Cash for the deposit where applicable (Plan 1); card payment accepted where a card machine is available
Flight details for airport pick-ups (enables meet-and-greet and flight delay tracking)

14) Claims & Refunds

If you paid an excess or damage estimate, any overpayment will be refunded after final repair invoices are received and assessed.
Cash deposits not used for damages are refunded at vehicle return after inspection. Card holds are released within 3 to 14 business days depending on your bank.
Disputes are handled by MarHire Support in coordination with the local partner and insurer. Please allow reasonable time for assessments.

15) Your Responsibilities

Drive in full compliance with Moroccan traffic laws and applicable speed limits
Protect the vehicle: lock doors, remove keys, park in safe locations
Use the correct fuel type and retain receipts when requested
Report incidents to MarHire immediately and cooperate fully with insurer and partner procedures

16) Updates to These Conditions

MarHire may update these Insurance Conditions to reflect changes in applicable law, insurer requirements, or partner policies. The effective date at the top of this document indicates the current version in force. Bookings made before an update date remain governed by the conditions in effect at the time of booking unless otherwise communicated.

17) Contact

MarHire Support
WhatsApp / Phone: +212 660 745 055
Email: [email protected]
Website: marhire.com

Available 24/7 for incidents, claims, and rental emergencies.