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Car Insurance in Malta - Requirements & Restrictions

Motor Insurance

This policy has certain requirements that you should consider in order to decide which motor insurance policy satisfies better your needs.

  • The policy only covers vehicles that have a weight less than 3,500 kg and observe legislation.
  • The vehicles covered have an internal combustion engine for which petrol or diesel oil is used as fuel, including those vehicles converted to LPG. Hybrid and electric vehicles are to be insured under our more specific ‘Electric Vehicle Policy’.
  • The following restrictions apply to the policy:
  • The policy does not cover any loss or damage to trailers, caravans or mechanically disabled vehicles attached to your vehicle or to any property being carried in or on them.
  • This policy does not provide cover for bodily injury or death caused by suicide or any attempted suicide. It doesn’t cover, either, the personal damages caused while you or any authorised driver is driving under the influence of alcohol or drugs, unless taken on proper medical advice and not for the treatment of drug addiction.
  • We don’t cover bodily injury or death if you or any of your passengers are insured by another policy covering the same conditions.
  • We don’t cover the roadside assistance of those drivers without corresponding license or permission for the category of the vehicle, or those violating the sanction of cancellation or withdrawal.
  • The coverage doesn’t include accidents caused by events occurring when you or the authorised driver break the regulations in terms of the requirements and number of people transported, the weight or measurements of the objects or animals transported, or the way in which the load is disposed (provided that the breach is the decisive cause of the loss).
  • We don’t cover damages caused by accidents that are produced while the vehicle lacks documentation or requisites legally compulsory to circulate on public roads, including the Technical Inspection of the Vehicles.
  • The policy does not cover accidents caused by fuel, mineral essences, and other inflammable, explosive or toxic materials transported in the vehicle.
  • Events caused by extraordinary natural phenomena such as earthquakes, landslides, falling objects from space, aerolites, atypical cyclonic storms, or volcanic eruptions are not covered. Neither damages caused by extraordinary atmospheric, meteorological, seismic or geological phenomena.
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