Insurance Policy - Auto 22 Agadir

At Auto 22, we are committed to providing a transparent, reliable, and secure rental experience. This Insurance Policy clearly outlines the coverage, limitations, and renter responsibilities, in line with international car rental standards.

1. ✔️ Basic Insurance (Included in All Rentals)

All vehicles are insured in accordance with Moroccan regulations.

Coverage includes:

• Third-Party Liability Insurance (TPL) covering bodily injury and property damage to third parties
• Legal minimum insurance as required by Moroccan law
• Basic roadside assistance (mechanical breakdown only)

Exclusions:

• Damage to the rented vehicle (Collision Damage)
• Theft or attempted theft of the vehicle
• Glass, tires, roof, undercarriage damage
• Loss or damage of keys, documents, or accessories
• Fuel errors or misfuelling

2.  Full Insurance (Collision Damage Waiver + Theft Protection)

This optional coverage reduces your financial liability in case of damage or theft.

Coverage includes:

• Collision Damage Waiver (CDW) - covers damage to the vehicle body
• Theft Protection (TP) - covers theft or attempted theft
• Coverage for:
  • Scratches and body damage
  • Minor dents
  • Glass damage (windshield, windows)
  • Tires and punctures

Important exclusions (even with Full Insurance):

• Driving under the influence of alcohol, drugs, or prohibited substances
• Dangerous, reckless, or negligent driving
• Unauthorized drivers not listed in the contract
• Use of the vehicle off-road, (sand)
• Failure to secure the vehicle (e.g., leaving keys inside)
• Non-compliance with rental terms

3.  Excess (Deductible Liability)

In case of damage or theft, the renter is responsible for an excess amount:

➡️ The excess can be reduced up to 0 MAD by subscribing to Premium Full Insurance.

4.  Security Deposit

A refundable deposit is required at vehicle pick-up:

• Payment methods: credit card, cash, or pre-authorization hold
• The deposit amount corresponds to the excess liability
• The deposit is released after vehicle return and inspection
• In case of damage, the corresponding costs may be deducted

5.  Conditions of Insurance Validity

Insurance coverage is valid only if the following conditions are met:

• The driver holds a valid driving license (minimum 2 years recommended)
• All drivers are declared in the rental agreement
• Moroccan traffic laws are strictly respected
• The vehicle is used under normal driving conditions

6.  Accident & Damage Procedure

In case of accident, theft, or damage:

• Inform Auto 22 immediately (within 24 hours)
• Contact local authorities and obtain a police report (constat)
• Do not admit liability without official documentation
• Provide all required documents (photos, report, details)

⚠️ Failure to follow these steps may result in loss of insurance coverage.

7.  Non-Covered Situations

Insurance becomes void in the following cases:

• Driving under influence
• Unauthorized driver
• Intentional damage or gross negligenc
• Driving in restricted or dangerous areas
• Ignoring dashboard warning signals

8.  24/7 Roadside Assistance

Available 24/7 for emergencies:

 +212 660 499 714

Includes:

• Mechanical breakdown assistance
• Vehicle replacement (subject to availability)

9.  Transparency & Customer Commitment

At Auto 22, we believe in full transparency:

• No hidden fees
• Clear insurance terms
• Professional and customer-focused service

Our goal is to provide a safe, reliable, and international-standard rental experience.