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Policy Limits (irrespective of cover) |
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Without any doubt only a comprehensive policy may guarantee a quick and hassle free repair to your car without unnecessary delay (provided replacement parts are available).
A comprehensive policy covers accidental damage to your vehicle together with Theft and damage to third parties.
The vehicle includes its accessories in or on the vehicle (such as spoilers, rims, kits) and any car entertainment equipment provided we are duly informed.
Car entertainment equipment is subject to a limit of € 582.34
Insurers are in a position to guide you on the market value of your car. This value guide is commissioned by the Malta Insurance Association and updated at least once a year. Should you disagree with the value suggested by us, you are at liberty to contact an independent motor surveyor. Use the following link to check your current market value http://www.maltainsurance.org/pages/miaPBInfo.asp?m=561.
Unless you opt to restrict drivers to benefit from a discount, a policy is generally issued to cover authorized licensed drivers aged between 25 and 70.
You may opt to restrict drivers to One named driver or 2 specified drivers and obtain a discount in return. Drivers aged under 25 must also be specifically declared and a substantially higher premium will be requested.
Notwithstanding the driver option chosen the insurance will automatically cover drivers who are in the motor trade and hold your vehicle under their custody (Such as your mechanic).
Most insurance claims are subject to an excess. An excess is the first amount payable by the Insured to open a claim. Generally the excess is € 58.23, but € 58.23 in the event of fire and € 232.94 in respect of theft or theft damages.
The excess may vary on certain vehicles and when drivers under 25 years of age are involved.
Policy excess when opening a claim in respect of third party damages has been reduced to ZERO where drivers are any over 21 years
If you intend to travel within the European Union your policy will automatically cover third party damages within the 27 member states and Switzerland. In order to maintain Fire and Theft or Comprehensive cover outside Malta, then you would have to advise us and pay an additional premium.
- *Personal Accident – benefit for Injury/death to Insured and Spouse – € 4658.75 per person but subject to a limit of € 11,646.87
- *Medical Expenses – up to a maximum of € 232.94 to the insured / authorized driver for injury following a violent accident
- *Breakage of Glass – up to a maximum of € 582.34
- *Road Side Assistance following an accident – up to € 116.46
- Use by Motor Hotel or Restaurant trade
- Legal Assistance for Uninsured Losses – up to € 1,164.69
- Personal Belongings – up to a maximum € 349.06 following an accident / fire / theft
- Emergency overnight accommodation outside Malta – € 232.94
- *Entertainment Equipment – up to a maximum of € 582.34
- Loss of Keys – Cover for replacement of lock following loss of keys. Subject to a limit of € 170.74
- Courtesy Vehicle – Loss of use is free of charge but limited to € 349.41 and restricted to the number of days authorized by the surveyor only -Private vehicles only
- Breakdown Service in Malta only offered by MTC - Private vehicles only
*Claims under these sections of the policy does not effect your NCD entitlement.
Besides your No claims discount you may also benefit from the following :-
- Good record rebate for clients enjoying maximum no claims bonus
- 10% if you have more than one vehicle insured with us
- 10% if you have your residence insured with us
- 10% if you opt to increase your excess by an additional €116.47
- 20% if you opt to increase your excess by an additional € 232.94
- 10% if vehicle is restricted to only one driver of 25 years
- 7.5% if vehicle is restricted to only two specified drivers of 25 years
- From 10% - 17.5% if you are a Middlesea Shareholder
- All policies are subject to a minimum premium
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8 – Optional Extension - Private vehicles only |
- Protected No Claims Bonus – Subject to an additional premium this cover will secure your no claims discount in the event of one claim during the period of insurance. Thus your level of discount will not be effected following an accident.
- Earthquake
This policy covers damage to your vehicle if caused by one of the following events :-
- Fire
- Self-ignition
- Lightning
- Explosion
- Theft or Attempt of Theft
in addition to Third Party Liability.
- *Personal Accident – € 4658.75 per person but subject to a limit of € 11,646.87
- *Breakage of Glass up to € 582.34 - Private vehicle only
- *Medical Expenses up to € 232.94
- *Roadside Assistance for Malta only – up to € 116.47
- Use by Motor Hotel or Restaurant trade
- Legal Assistance for uninsured losses – up to € 1164.69
- Personal Belongings – up to € 349.41
- Emergency accommodation outside Malta – up to € 232.94
- *Entertainment Equipment – up to € 582.34
- Loss of Keys – up to € 174.70
*Claims under these sections of the policy does not effect your NCD entitlement.
Please refer to points 1 to 5 above which apply similarly to this section.
Besides your No claims discount you may also benefit from the following :-
- 12.5% good record rebate for clients enjoying maximum no claims bonus
- 10% if you have more than one vehicle insured with us
- 10% if you have your residence insured with us
- From 10% - 17.5% if you are a Middlesea Shareholder
This is the minimum cover required by law and covers
- *Personal Accident – € 4658.75 per person but subject to a limit of € 11,646.87
- *Breakage of Glass up to € 582.34
- *Medical Expenses up to € 232.94
- *Roadside Assistance for Malta only – up to € 116.47
- Use by Motor Hotel or Restaurant trade
*Claims under these sections of the policy does not effect your NCD entitlement.
Please refer to points 3 to 5 above which apply similarly to this section.
Besides your No claims discount you may also benefit from the following :-
- Good record discount
- 10% if you have more than one vehicle insured with us
- 10% if you have your residence insured with us
- From 10% - 17.5% if you are a Middlesea Shareholder
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Exclusions (Irrespective of Cover) |
Like every insurance, terms and conditions apply. The following are the main exclusions :-
- Wear & tear
- Mechanical and/or electrical failure and / or breakages or failure of electronic equipment
- Damage to tyres by brakes, punctures, cuts or bursts
- Damages caused by unauthorised drivers
- Driving under influence of alcohol or drugs
- Driving without a valid driving license or with a suspended license
- Depreciation and any loss in value of vehicle following a loss/damage
- Losses caused by removal of vehicle from illegal parking
- Losses caused by contamination of fuel, inappropriate or type of fuel
A claim may also be refused if you fail to declare vital information to us, such as criminal offences and claims experience
- Third Party bodily injury / death € 1,164,687
- Third party property damage € 232,937.34
- Substitute vehicle to third parties € 1164.69
With effect from 11th December 2009 limits will automatically be revised as follows :
- Third Party bodily injury / death € 2,500,000
- Third party property damage € 500,000
This policy is underwritten by England Insurance Agency Limited trough Middlesea Insurance plc.
