We pride ourselves in providing a customer focused efficient level of service at both sales and claims stage. As testimony to this we have launched an internet payment system, whereby, you may opt to have your claim paid directly into your bank account within a few days from receipt of all claims documentation.
Our Motor Policy aims at providing a substantial level of cover. Below you will find a brief description of the three levels of cover available. Policies are underwritten through Mapfre Middlesea however all administration, documentation and claims will be handled directly through ENGLAND Insurance. The sections below contain an abbreviated list of the cover provided on Private Vehicles.
All three levels of cover include 24/7 Roadside Assistance and Breakdown Service with Mapfre Assist. Assistance on commercial vehicles will only be provided if the weight of vehicle does not exceed 3,500kg. Our Emergency contact number is +356 22 48 02 05
NEW Wise Protect Cover
The Wise Protect Cover is an additional benefit offered under a Private Motor Policy irrespective of whether it relates to Third Party Fire and Theft or Third Party Only Cover. In the event of a total loss of your vehicle, we will pay you €500 if you purchase another vehicle and insure it with us. Any such payment will not affect your No Claims Discount.
Third Party Only
Third Party Only insurance covers your legal liability for death or bodily injury up to €6,070,000 and damage to property, up to €1,220,000. Our policy has various add on benefits that are automatically included and may be viewed via the standard cover drop-down menu below.
Third Party Fire and Theft
Third Party Fire and Theft insurance covers damage to your car caused by fire, self-ignition, lightning or explosion, as well as theft or attempted theft. It also covers your legal liability for death or bodily injury up to € 6,070,000 and damage to property of up to € 1,220,000. Our policy has various add on benefits that are automatically included and may be viewed via the standard cover drop-down menu below.
Comprehensive
Our Comprehensive motor insurance covers damage to your vehicle up to the market value at the time of loss or damage or Sum Insured, if this is lower. The Policy covers your legal liability for death or bodily injury up to €6,070,000 and damage to property, up to €1,220,000. A comprehensive insurance covers damage to your vehicle, irrespective of who is at fault or whether or not the culprit is known, such as hit and run cases. To see the full list of features of the standard cover review the drop-down menu below.
Motor Insurance Discount list
| TPO | TPFT | COMP | MAX | |
|---|---|---|---|---|
| Discounts | ||||
| Multiple Vehicle Discount | Y | Y | Y | Y |
| No Claims Discount | 70% | 70% | 70% | 70% |
| Introductory Discount | Y | Y | Y | |
| One or Two drivers only | Y | Y | ||
| Increased Excess Discount | Y | Y |
| TPO | TPFT | COMP | MAX | |
|---|---|---|---|---|
| Other Discounts (one) | ||||
| Home Insurance | Y | Y | Y | Y |
| MSV Life Savings Plan | Y | Y | Y | Y |
| Middlesea Shareholder | Y | Y | Y | Y |
| Professional Indemnity | Y | Y | Y | Y |
| SME / Commerical policy | Y | Y | Y | Y |
Motor Insurance Standard Cover
| TPO | TPFT | COMP | MAX | |
|---|---|---|---|---|
| Standard cover | ||||
| Personal Accident | Y | Y | Y | Y |
| Medical Expenses | Y | Y | Y | Y |
| Breakage of Glass | Y | Y | Y | Y |
| Use of motor trade | Y | Y | Y | Y |
| Legal Assistance | Y | Y | Y | |
| Loss/ Damage to Personal effects | Y | Y | Y | |
| Emergency Overnight Accomodation | Y | Y | Y | |
| Entertainment Equipment | Y | Y | Y | |
| Loss of car keys | Y | Y | Y | |
| 30 day cover within EU | Y | Y | Y | |
| Replacement vehicle during repair | Y | Y | ||
| Full replacement value cover | Y | Y | Y | |
| Protection of NCD | Y | Y | Y | NO |
| Towing in Malta and EU | Y | Y | Y | Y |
Motor Insurance Add-on Cover
| TPO | TPFT | COMP | MAX | |
|---|---|---|---|---|
| Add-ons | ||||
| Protected No Claims discount | Y | Y | Y | NO |
| Earthquake Cover | Y | Y |
Motor Insurance Claims Excess
| TPO | TPFT | COMP | MAX | |
|---|---|---|---|---|
| Claim Damage | ||||
| Third Party Damage | NIL | NIL | NIL | 100 |
| Fire Damage | NA | 60 | 60 | 100 |
| Fire and Theft Damage | NA | 235 | 235 | 100 |
| Own Damage (Driver 18-20) | 585 | 100 | ||
| Own Damage (Driver 21-24) | 350 | 100 | ||
| Own Damage (Driver 25+) | 90 | 100 |