Hi thtere,
Well, I just came from west africa. For Morocco you can just use your european insurance, no problem.
In Mauretania you have to buy a seperate insurance. I bought one for 20 days and it costed about Euro 13,- for my bike.
In Senegal I bought a 'Carte Brun', which is valid for the whole of west africa. For 2,5 months I payed Euro 50,- at the Diama-border (the crossing of the border was just slightly cheaper ;-).
It's probably cheaper to buy your insurance for a few days at the border, and then go to St. Louis or Dakar to extend it... The police are asking for your insurance at every checkpoint in Senegal, so it saves a lot of hassle to have one, although I don't know if it really covers any costs if you're in an accident. Suddenly that chicken you ran over belongs to everyone in the town... so go with the above advice: don't stop!
Cheers,
Corne
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