Legal notice

01General terms (extracts)

• 01 — Online quote request

  You fill in the form matching your need over several steps: each step is validated before moving on, then a receipt is displayed. The request is neither a subscription nor a contractual commitment.

• 02 — No automatically calculated tariff

  This site computes no premium. Only the amounts explicitly published on product pages are shown, with their scope and conditions; everything else follows a quote-based study. No price may be extrapolated from these amounts.

• 03 — No online sale

  This site concludes no contract, collects no payment and handles no termination. Subscription, premium payment and termination fall under the product's general conditions and the insurer concerned, under Moroccan law.

• 04 — Form data

  Forms on this site are validated in your browser. No data is stored by this site until a processing service is connected; when one is, it is identified in the privacy policy. Information entered never travels in the page address.

02Intellectual property

All site elements are protected by Moroccan copyright and trademark law. Usage rights are granted in digital form only, for viewing the pages consulted, on a personal, non-transferable and non-exclusive basis.

Access to the site transfers none of the above rights. In case of illegal or unauthorised use, we reserve the right to take any appropriate measure.

03Reference texts

• Law No. 17-99, the Insurance CodeGeneral framework for insurance intermediation and contracts in Morocco.
• Law 18-01 — Work accidentsObligation for every employer to take out work-accident insurance.
• Law 19-12 — Home workersWork accidents of domestic employees, covered under the home policy.
• Law No. 09-08 — Protection of personal dataGoverns the processing of personal data collected on the site.
• Decree No. 2-09-165 of 21 May 2009 (implementing law 09-08), Official Bulletin No. 5744 of 18 June 2009Implementing measures on personal-data processing.
• Law 059-13 and article 769 of the Dahir of Obligations and Contracts (D.O.C)Ten-year builders' liability: ten years from handover of the works.
• Extract of article 769 of the D.O.CArchitect, engineer or contractor liable for ten years; action within thirty days of the triggering fact.
• Insurance code, article 115 — Hunting permitA hunting permit requires an insurance certificate covering the hunter's civil liability.