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 is 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.

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 should 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.
• Third Party Fire & Theft and Comprehensive levels 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 also compensates you for the cost of hiring an alternative transport while your vehicle is being repaired following an accident covered under your policy.

CANCELLATION PRO-RATA AND RETURN PREMIUM CALCULATION

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 respect 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 in any case Document Duty is NOT refundable.

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

• 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.

We recommend to the policyholder, in order to receive benefits from all the guarantees of the policy, to consider some relevant aspects before and after contracting the policy:

• In case of an accident involving your vehicle, if the occupants have different places of residence within Malta, their transportation will only be carried out to one place or spot chosen by you.
• If you require the fuel delivery more than once during the period of insurance, a fee of €40.00 will be charged as cost of the service. This also applies to the locksmith service.
• You or your legal representatives must give the company notice as soon as reasonably possible of any accident, injury, loss or damage. You must send us every information about the event in your possession without delay. You have to inform us immediately of any civil or criminal proceedings, inquest or fatal enquiry in connection with any event for which there may be liability under this policy. You have to send us immediately any correspondence or other documents you receive, and co-operate with us fully.
• You must report immediately to the police theft, or vandalism, or any other criminal act which may give rise to a claim under this policy. You have to collaborate with us in securing the conviction of the delinquent.
• In case of an accident, your vehicle must not be left unprotected, without taking appropriate precautions to prevent further loss or damage. This includes not driving your vehicle if further damage might be caused.
• Your vehicle must be maintained in an efficient and safe condition. You and any other person in charge of your vehicle must take all reasonable steps to protect it against loss or damage.
• When your vehicle is left unattended, its doors and windows must be fully closed and it must be kept locked with its keys removed.
• You may cancel this Policy by returning the effective Certificate of Motor Insurance to the company. Any refund of premium will be calculated from the date we receive the effective Certificate of Motor Insurance. Provided no claim or loss has arisen in the existing period of insurance, we will return part of the premium after applying the cancellation rates. You must present evidence that your vehicle has been transferred to a new owner, or insured by another insurer, or else that the vehicle has been registered as “garaged”, “scrapped” or “exported” in accordance with any Transport Malta rules and regulations effective at the time of cancellation.