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Car Insurance in Malta - General Conditions

Motor Insurance

With this insurance you can choose between 3 levels of coverage for your vehicle: (1) Third Party Only; (2) Third Party, Fire &Theft Damage; (3) Comprehensive cover. 

  • Roadside assistance and breakdown service is provided for all drivers. This includes immediate repair following mechanical or electrical failure, battery boost and flat tyre assistance, towing of motor vehicle following a breakdown or accident. Certain limitations apply.
  • We also cover second delivery service, fuel delivery and locksmith service. Certain limitations apply. To make use of this roadside assistance and breakdown service, drivers shall contact our 24/7 Call Centre on 2248-0200.
  • We will cover you for all sums which you may be required to pay by law arising from an accident caused by your vehicle, resulting in the death of or bodily injury to any other person or damage to another person’s property.
  • If any person in your vehicle sustain any bodily injury as a result of an accident involving your vehicle, we will always refund the cost of the required medical treatments in connection with such wound. We will pay up to the sum shown in the schedule comprised in your policy for each injured person. 
  • Also, as a valued MAPFRE Middlesea Insurance policyholder, if you and/or any of your passengers suffer bodily injury as a direct result of an accident involving your vehicle, we will pay the amount fixed in the policy to the wounded person or to such person’s legal representatives. The benefits taken into account are: death or bodily injury occur within 3 months of the accident; total and irrecoverable loss of sight in one or both eyes; total loss by physical severance at or above the wrist or ankle of one or more limbs.
  • Level 2 and 3 of the policy include the loss of or damage to your vehicle comprising its accessories and spare parts caused by fire, self-ignition, lightning or explosion. It also includes the theft or attempted theft. We will also cover the loss of or damage to your vehicle, including its accessories and spare parts, while on it or while in your locked private garage. The loss of or damage to personal belongings while on your vehicle is also comprised under these two levels of cover. In addition, if your vehicle is registered for private use, the comprehensive cover compensates you for the cost of hiring an alternative transport while your vehicle is being repaired following an accident covered under your policy.


Premiums for periods of insurance for less than 12 months will be calculated on a pro-rata basis only where the vehicle is newly purchased or has been sold by the policy holder.

No refund of premium is due on policies where a claim has been registered in respected of that vehicle unless such claim is withdrawn.
Refund premiums on vehicles which are garaged or laid-up or out of use will be subject to the following short period rates. 

Period in Force

% of annual premium to be charged

1 months


2 months


3 months


4 months


6 months


8 months


Over 8 months











The above refund premiums may only be issued and certificate cancelled on sight of new logbook.


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