Morocco's catastrophe fund expected reinsurance after the 2023 El Haouz quake
Short record: the main facts, with sources. A full case file has not been prepared.
After the 2023 El Haouz earthquake, Morocco's catastrophe fund (FSEC) was reported to expect 250 to 300 million dollars from Gallagher Re, and the fund had not been used for uninsured losses. In 2025 the government planned to raise the solidarity levy on premiums, a cost that Hespress reported is passed on to insured vehicle owners.
What happened
Médias24 reported in October 2023 that the FSEC fund was expected to receive 250 to 300 million dollars from Gallagher Re, and that its resources were 3.5 to 4 billion dirhams against an emergency plan of 22 billion dirhams.
Médias24 also reported that the fund had never been used to compensate uninsured losses.
Hespress reported in August 2025 that the government planned to raise the solidarity levy from 1 to 1.5 percent of premiums, and that earthquake cover costs had risen about 100 percent after El Haouz.
In court and with insurers
Lawsuits and rulings
Insurers
What we don't know
Nature
- Not measured Harm to nature: The record holds no measurement of harm to nature.
Record
- Insufficient Reported but not verified: Al-Quds Al-Arabi's headline describes victims between tents and protest two years after the earthquake; the article text was not reviewed.
- None on record The sources do not say whether the Gallagher Re payment was made or how much was paid.
- None on record The sources do not state how many uninsured households or victims were affected.
- Unclear The Médias24 headline describes the fund's intervention as unclear; the sources reviewed do not set out its terms.
Did the harm stop?
Not stated in the sources reviewed.
Who paid?
Not stated in the sources reviewed.
Sources
Press and investigations
- Séisme: flou autour de l'intervention du fonds contre les événements catastrophiquesMédias24 · 2023-10-01
- Government plans to raise the catastrophe solidarity levy to 1.5%Hespress · 2025-08-27
- Two years after the El Haouz earthquake: victims between tents and protestAl-Quds Al-Arabi · 2025-09
Connected cases
- Morocco says it cut cadmium in phosphate fertilisers; EU cannot verify the claim Morocco · 2025
- Government of Morocco (Government) — here: Planned the rise in the solidarity levy; there: says it has reduced cadmium in its fertilisers
- Morocco subsidised drip irrigation as aquifers fell, and desalination followed Morocco · 2008
- Government of Morocco (Government) — here: Planned the rise in the solidarity levy; there: Subsidy and public spending