Third-Party Liability (TPL)
Third-Party Liability is the one cover you cannot rent without. It pays for the harm you cause to other people — their injuries, their car, a wall, a shopfront — when an accident is your fault. It does not pay a single dirham toward your own rental vehicle; that is what CDW and Theft Protection are for.
Because it is legally required to drive in Morocco, TPL is built into every rental rate by default. You are not asked to buy it separately — it is simply there, and the car cannot legally leave the lot without it.
What varies is the coverage limit. Basic TPL meets the legal minimum, which can be lower than you would want if you injure someone seriously. Travellers who want a bigger safety net add Supplemental Liability Insurance to raise that ceiling.
In short: TPL protects other people from you. To protect the car you are driving, and yourself, you need the other coverages alongside it.
Related terms
Supplemental Liability Insurance (SLI)
Optional cover that raises your third-party liability limit well above the legal minimum.
Collision Damage Waiver (CDW)
A waiver that caps what you pay if the rental car is damaged in an accident — though usually not down to zero.
Personal Accident Insurance (PAI)
Optional cover for medical costs and accidental injury to the driver and passengers during the rental.