Logistique & Transport

Cargo Insurance in Morocco: Protecting Your Capital Beyond CIF (2026)

CIF is not enough. Discover why Ad Valorem Insurance is vital to secure your imports in Morocco and avoid financial losses.

Equipe Casa Horizon

Transitaire agréé

February 1, 2026

Sommaire

Logistics Shield

In the turmoil of global trade in 2026, seeing your container fall into the water is the worst nightmare. Many wrongly rely on the minimal insurance of CIF. This guide explains why Ad Valorem Insurance has become the modern importer's indispensable shield.

If you buy CIF (Cost, Insurance, Freight), you think you are covered. But did you know that the seller's minimal obligation often only covers major catastrophes, leaving you alone to face "small" damages that ruin your margin?

🏗️ 1. Understanding Cargo Insurance

Cargo insurance is a contract indemnifying the importer for losses suffered. Beware of confusion with Carrier Liability: this is limited by weight (a few euros per kg), which is negligible for valuable goods.

🚩 2. The CIF Myth: The Flaws

The CIF Incoterm obliges the seller to take out insurance, but often only the "Clause C" (minimum service).

Covers: Sinking, fire, explosion.
Does NOT cover: Partial theft, breakage, wetting, shocks.

📜 3. Institute Cargo Clauses (A, B, C)

Clause A (All Risks)

Widest coverage. Recommended for 95% of manufactured goods.

Clause B

Intermediate. Adds entry of sea water and total loss of package.

Clause C

Restricted to major catastrophes. For bulk (ore, coal).

💰 5. "Ad Valorem" Insurance

"According to value". It indemnifies on the actual invoice value (+10% for costs).

Questions Fréquemment Posées

Can I insure used goods?

Yes, but with restrictions (scratches/internal damage excluded).

Is theft in warehouse covered?

No, transport insurance stops at delivery.

Sources & Références

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