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Car Insurance in Malta - Summary

Motor Insurance

Car Insurance Private, Commercial and Motorcycles

Motor Insurance Levels of Cover:

  • Third Party Only - liability to others.
  • Third Party Fire & Theft - liability to others and loss of or damage to your car caused by fire, self-ignition, lightning, explosion, theft or attempted theft.
  • Comprehensive - liability to others and accidental loss of or damage to your motor vehicle.

All three levels of cover provide you with FREE Roadside Assistance and Breakdown Service which includes repair on the spot following mechanical or electrical breakdown, battery boost and flat tyre assistance, towing of motor vehicle following a breakdown or accident, second delivery service, fuel delivery and locksmith service. 

The following limits apply:

  • Battery Boost Assistance – This cover is limited to 2 battery boost services in 1 week.
  • Locksmith Service – This cover is limited to one locksmith service per policy period.
  • Fuel Delivery – This service is limited to one service per policy period
  • Overall Limit – Roadside Assistance and Breakdown cover will be limited to a maximum of four (4) breakdown services per car insurance policy period across all covers.

Subject to some limitations, this cover is available anywhere within Europe.

More information about our Car & Motor Insurance can be found here

Depending on the level of cover purchased, the policy is/can be extended to include:

Extensions to Cover Comprehensive Third Party Fire & Theft Third Party Only
Personal Accident Included Included Included
Medical Expenses Included Included Included
Breakage of Glass Included Included Included
Use by the Motor, Hotel or Restaurant Trade Included Included Included
Legal Assistance for Uninsured Losses Included Included Not Included
Personal Belongings Included Included Not Included
Emergency Overnight Accommodation outside of Malta Included Included Not Included
Lost Keys and Locks Included Included Not Included
Courtesy Vehicle (Private Vehicles Only) Included Not Included Not Included
Excess Waiver (Private Vehicles Only) * Applicable only if a home contents insurance policy issued by us, is valid and in force at the date and time of loss of the claim. Included Not Included Not Included
30 days Own Damage cover anywhere within the EEA and Switzerland Included Included Not Included

Payment for loss or damage under the above extensions will not affect your entitlement to No Claims Discount. 

Optional Extensions Comprehensive Third Party Fire & Theft Third Party Only
Protection of your No Claims Discount (Private Vehicles Only) Available Available Available
Earthquake Cover Available Not Available Not Available
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