Who insures the estate
Oasis Artemis is owned and operated by Zokay Immo, a Moroccan company registered in Marrakech. Zokay Immo holds a multi-risk policy for tourist accommodation with AXA Assurance Maroc, placed through the broker M. Fikri Assurances in Marrakech.
| Policyholder | Zokay Immo, 57 Rue Mauritania, BP 2609, Guéliz, Marrakech |
|---|---|
| Insurer | AXA Assurance Maroc, 120-122 avenue Hassan II, Casablanca |
| Policy | Multirisque Mihnassur, no. 2592025204752 |
| Insured activity | Tourist accommodation (guest house), operated all year |
| Term | Annual policy, renewable each year on 21 August |
| Governing law | Moroccan law no. 17-99, the Insurance Code |
What the policy covers for guests
Guests are covered through the operator's third-party liability insurance. The policy pays when a guest suffers injury or loss on the estate and Zokay Immo is legally liable for it. It is not a personal accident, medical or travel policy for guests.
All amounts are in Moroccan dirhams (MAD) and are the maximum the insurer pays.
| Cover | Maximum (MAD) | Basis |
|---|---|---|
| Bodily injury to guests and third parties | 1,000,000 | Per claim |
| Swimming pool liability (drowning, falls, hydrocution) | 250,000 | Per insurance year |
| Food poisoning from meals and drinks served | 100,000 | Per insurance year |
| Damage to guests' property | 250,000 | Per claim |
| Financial loss following insured property damage | 100,000 | Per claim |
| Leisure equipment and play areas (padel, pétanque, gym, games) | 20,000 | Per claim |
| Events and celebrations held on the estate | 20,000 | Per claim |
| Outings, excursions and tours arranged by the estate | 20,000 | Per claim |
| Guests' clothing and luggage on the estate | 20,000 | Per claim |
| Cash and valuables locked in a safe | 20,000 | Per claim |
| Guests' vehicles parked on the estate or moved by staff | 20,000 | Per claim |
A deductible of 10% of each claim applies, with a minimum of MAD 500 to MAD 1,000 depending on the cover. The sub-limits above sit within the general liability limits, they do not add to them.
Conditions and exclusions
- Jewellery, cash and other valuables are covered only when locked in a safe.
- Belongings left inside vehicles are not covered.
- Any claim linked to a communicable disease or an epidemic is excluded.
- Cyber incidents, including loss or misuse of data, are excluded.
- The insurer does not pay where payment would breach United Nations, European Union, United Kingdom or United States sanctions.
- The policy does not cover injury or loss caused by a guest's own acts, negligence or failure to follow house rules and staff instructions.
This page is a summary. The policy's particular and general conditions, issued in French by AXA Assurance Maroc, are the only binding text and prevail over this page.
Limit of liability
The cover described above is the full extent of what is available. Zokay Immo's liability towards guests is limited to the amounts actually paid by its insurer under this policy. Zokay Immo does not cover anything beyond those amounts or outside the scope of the policy.
To the fullest extent permitted by applicable law, Zokay Immo, its owners, managers and staff accept no liability for:
- any injury, illness, death, loss or damage that the policy does not cover, or the part of any claim above the policy limits or within its deductibles;
- accidents arising from the use of the pool, plunge pool, jacuzzi, hammam and Spa Suite, gym, padel and pétanque courts, garden, fireplace, BBQ and pizza oven, all of which guests use at their own risk;
- medical expenses, hospitalisation, evacuation or repatriation;
- theft or loss of belongings not locked in a safe;
- cancellation, delay, curtailment of a stay or any travel disruption;
- services supplied by independent third parties, such as drivers, guides, coaches, therapists, entertainers and excursion operators.
Children must be supervised by an adult from their party at all times, in particular around water. There is no lifeguard on the estate.
Guests are responsible for any damage they or their invitees cause to the estate, its contents and its equipment.
Guest discharge
Every booking requires a signed liability discharge and waiver before arrival. The lead guest signs on behalf of everyone in the party, including minors and any invitees. By signing, the party:
- acknowledges the limits and exclusions set out on this page;
- accepts that the facilities of the estate are used at their own risk;
- releases Zokay Immo, its owners, managers and staff from any claim beyond what the insurer pays under the policy, to the fullest extent permitted by law.
The signed discharge is a condition of the stay. Access to the estate is not given without it.
Your own travel insurance
We strongly recommend that every guest takes out comprehensive travel insurance in their country of residence, covering this trip to Morocco for its full duration. The limits of the estate's policy are set for the Moroccan market and are well below what medical care, evacuation or a serious injury claim can cost.
Your policy should cover at least:
- emergency medical expenses and hospitalisation abroad;
- medical evacuation and repatriation;
- personal accident and personal liability;
- sport and leisure activities, including swimming, padel and excursions;
- cancellation and curtailment of the trip;
- loss, theft or damage of luggage, valuables and electronics.
Please check that each member of your party, including children, is insured before travelling.
If something happens
Tell the house staff at once, and confirm the incident in writing to resting@oasisartemis.com before you leave the estate. Claims are handled by AXA Assurance Maroc under Moroccan law and the terms of the policy.
Zokay Immo · 57 Rue Mauritania, BP 2609, Guéliz, Marrakech, Morocco · RC Marrakech 157145 · ICE 003628372000076. Last updated November 2026.