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| The Cover |
Comprehensive |
Third Party Fire & Theft |
Third Party Only |
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| 1a. Legal liability to other people including passengers |
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| following an accident involving the vehicle anywhere |
x |
x |
x |
| within the EU, Norway, Switzerland, Iceland and |
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| Liechtenstein |
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| 1b. Legal fees and expenses for defending proceedings |
x |
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| in a Court of Law in connection with a traffic accident |
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| involving the vehicle |
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| 2. Damage to the vehicle caused by fire, theft or fire |
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| following theft |
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| 3. Other accidental damage to the vehicle |
x |
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| Various Extensions applicable to the different Sections according to the type of cover and use of the vehicle. |
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| A. Standard Extensions |
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| 1. Personal Accident - €4,658.75 (Lm2,000) per person but subject to a maximum limit of €11,646.87 (Lm5,000) any one claim (excluding motorcycles) |
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| 2. Medical Expenses up to €232.94 (Lm100) |
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| 3. Breakage of Glass up to €582.34 (Lm250) |
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| 4. Roadside Assistance following an accident up to a |
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| maximum of €116.47 (Lm50) any one period of insurance |
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| 5. Use by Motor, Hotel or Restaurant Trade |
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| 6. Legal Assistance for uninsured losses up to |
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| €1,164.69 (Lm500) |
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| 7. Personal Belongings up to €349.41 (Lm150) |
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| 8. Emergency overnight accommodation outside |
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| Malta up to €232.94 (Lm100) |
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| 9. Entertainment Equipment up to €582.34 (Lm250) |
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| 10. Lost keys and locks up to €174.70 (Lm75) |
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| 11. Courtesy (Replacement) Vehicle up to |
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| €349.41 (Lm150) (Private vehicles only) |
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| 12. Breakdown service in Malta with MTC (Private |
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| vehicles only) |
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| B. Optional Extensions at an additional premium |
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| 13. Protected No Claims Discount (Private vehicles only) |
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| 14. Earthquake Cover |
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| Ways to reduce your premium |
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| As a valued Middlesea Insurance policyholder you may take advantage of the following discounts to reduce your Motor insurance premiums: |
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- One Person Driving (25 years of age and over and on Comprehensive cover only)
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- Two Named Persons only driving (25 years of age and over and on Comprehensive cover only)
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- Voluntary excesses (Comprehensive cover only)
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- If you have more than one Vehicle insured with Middlesea Insurance, No Claims Discount
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| Please note that certain Underwriting restrictions may apply |
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