Motor Insurance

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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

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      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
      No Claims Discount   70% 70% 70% 70%
      Introductory Discount    Y  
      One or Two drivers only        Y Y
      Increased Excess Discount        Y Y

       

       

       

       

       

       

       

      TPO TPFT COMP MAX
      Other Discounts (one)       
      Home Insurance  Y Y
      MSV Life Savings Plan    Y Y Y Y
      Middlesea Shareholder    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
      Medical Expenses  Y Y
      Breakage of Glass    Y Y
      Use of motor trade    Y Y
      Legal Assistance      Y Y
      Loss/ Damage to Personal effects     Y Y
      Emergency Overnight Accomodation      Y Y
      Entertainment Equipment      Y Y
      Loss of car keys    Y Y Y
      30 day cover within EU      Y Y
      Replacement vehicle during repair      Y Y
      Full replacement value cover    Y Y
      Protection of NCD  Y Y
      Towing in Malta and EU  Y Y
      Motor Insurance Add-on Cover
      TPO TPFT COMP MAX
      Add-ons      
      Protected No Claims discount  Y Y
      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