Casco (own-damage car insurance) — Malta

[1] Own damage: Covered ↩

Under Comprehensive cover only, Argus Private Vehicle Insurance protects the insured vehicle against damage sustained in accidents that are not the policyholder's fault, so that the vehicle can be repaired faster.

Comprehensive Only: Argus Private Vehicle Insurance provides protection to your motor vehicles against damages sustained in accidents which you are not at fault in order to repair your vehicle faster.

[2] Total loss: Conditional ↩

Settlement is normally at market value capped at the Sum Insured, unless the repair cost exceeds 60% of the manufacturer's list price at the time of loss, in which case the insurer replaces the vehicle with a new one of the same make and model if available, otherwise market value is paid.

[3] Partial loss: Conditional ↩

At the insurer's option the vehicle is repaired, replaced (including its accessories), or a cash sum is paid equal to the loss or damage; the most payable is the vehicle's market value at the time of loss or the Sum Insured, whichever is less.

[4] Theft & robbery: Covered ↩

Argus Private Vehicle Insurance protects the insured vehicle against theft under both the Comprehensive and Third Party Fire & Theft policies.

Argus Private Vehicle Insurance protects your assets against theft under our Comprehensive & TPFT policies.

[5] Glass damage: Covered ↩

Under Comprehensive cover only, Argus offers replacement or repair of damaged glass in windscreens, windows or sunroofs; a single glass-replacement claim will not affect the policyholder's no-claims discount.

Comprehensive Only: We offer replacement or repair of damaged glass in windscreens, windows or sunroofs. Single claims for glass replacement will not affect your no-claims discount; subject to your schedule and/or endorsements.

[6] Natural perils: Covered ↩

Argus describes comprehensive motor cover as protection against a wide range of damages including weather and falling objects, in addition to theft, fire, vandalism, animal damage and third-party claims.

Motor vehicle comprehensive coverage is protection against a wide array of damages such as theft, fire, vandalism, weather, falling objects and animal damage in addition to third party claims.

[7] Vandalism: Covered ↩

Argus describes comprehensive motor cover as including protection against vandalism, alongside theft, fire, weather, falling objects and animal damage.

Motor vehicle comprehensive coverage is protection against a wide array of damages such as theft, fire, vandalism, weather, falling objects and animal damage in addition to third party claims.

[8] Roadside assistance: Optional ↩

Where selected, Argus's Tow & Go Roadside Assistance add-on provides 24-hour breakdown assistance throughout Malta and Gozo, delivered by contracted provider Tow & Go Towing Services, with up to five calls included per membership year before additional charges apply.

Our Roadside Assistance cover provides you with 24-hour breakdown assistance throughout Malta and Gozo.

[9] Replacement vehicle: Not established from the reviewed documents ↩

No Malta-specific document confirms a replacement-vehicle benefit for this product. Argus Gibraltar sells a separate optional ARAG 'Guaranteed Replacement Car' cover, which provides a replacement vehicle until repairs are completed (or, if a vehicle cannot be supplied, reimburses hire costs up to a daily rate subject to an aggregate limit), but Argus Malta's own forms/documents list does not include this ARAG product, so its availability and limits for the Malta product remain unconfirmed.

[10] Driver accident: £5,000 ↩

Personal Accident benefit (Comprehensive cover, Private Car and Commercial Vehicle only): a fixed sum is paid to the driver or their spouse/civil partner if accidental bodily injury directly connected with the vehicle results, within three months, solely in death, irrecoverable loss of sight, or loss of a limb. The most payable per person after any one accident, and per person during any one period of insurance, is this amount. This reflects the Argus Insurance Company (Europe) Limited Motor Generic Policy wording underlying the Malta Combined Motor Policy; a Malta-specific full-text copy with a localised (EUR) figure could not be retrieved to confirm whether the amount differs.

[11] Own damage: 100% of insured sum ↩

Comprehensive cover pays for accidental damage to the insured vehicle, settled on the insured's estimate of value or the market value at the time of loss, whichever is lower. Should repair costs be very high compared to the market value, the vehicle may be deemed not viable to repair and a settlement amount agreed instead.

Should repairs be very high compared to the market value, the vehicle may not be viable to repair and a settlement amount is agreed with you.

[12] Total loss: 110% of insured sum ↩

Total loss is settled at the lower of the insured's estimated value or market value at time of loss. A free GAP concession increases the payout to 110% of the purchase price for brand new vehicles in the first 12 months, provided repairs would exceed 60% of the purchase price.

Free Gap cover for brand new vehicles for the first 12 months up to 110% of the value;

[13] Partial loss: Covered ↩

Repair costs for partial (non-write-off) accidental damage are covered under comprehensive cover. If repairs are very high compared to the market value, the vehicle may be deemed not viable to repair and a settlement amount is agreed instead.

Should repairs be very high compared to the market value, the vehicle may not be viable to repair and a settlement amount is agreed with you.

[14] Theft & robbery: 100% of insured sum ↩

Comprehensive and Third Party Fire & Theft policies cover loss or damage from theft and attempted theft, settled at the lower of the insured's estimate or market value at time of loss. Claims are excluded if the vehicle was not properly locked at the time of theft.

following theft or attempted theft if the motor vehicle is not properly locked;

[15] Glass damage: €1,000 ↩

Accidental damage to windscreens and windows is covered up to €1,000 as a free additional benefit under private comprehensive policies.

Accidental damage to windscreens and windows up to €1,000;

[16] Natural perils: Covered ↩

Flood and convulsion of nature damage is a free additional benefit under private comprehensive policies (also applicable to commercial comprehensive cover); private motorcycles are excluded from flood and convulsion of nature damage.

Flood and convulsion of nature damage (also applicable to commercial comprehensive cover);

[17] Vandalism: Covered ↩

Comprehensive cover for private cars includes accidental and malicious damage in addition to fire, theft, floods and storms.

Comprehensive Cover for Private Cars covers your car for accidental and malicious damage, fire, theft, floods and storms together with the following FREE benefits:

[18] Roadside assistance: Covered ↩

Free 24-hour roadside assistance provided by Atlas RoadAssist (by RMF) is included as a standard benefit with comprehensive private car and motorcycle policies; it is available at a discounted rate as optional cover for other policy classes, and European Roadside Assistance can be purchased to extend cover outside Malta.

Free roadside assistance;

[19] Replacement vehicle: €100 – €250 ↩

A free €100 courtesy car is provided following an accident for private comprehensive policyholders with maximum No Claim Discount (also while awaiting parts if the car cannot be safely driven); a free €250 courtesy car applies if the vehicle is written off due to fire or theft. Higher optional limits of €250, €350 and €475 are available at an additional charge, also for commercial vehicles.

Free Courtesy Car up to €250 if the vehicle is written off due to fire or theft;

[20] Driver accident: Covered ↩

Personal accident and medical expenses cover for passengers is included as a free additional benefit under private comprehensive policies; no specific monetary limit is stated in the summary documentation.

Personal Accident and medical expenses to passengers;

[21] Own damage: Conditional ↩

The Comprehensive policy provides the highest level of cover including damage to the policyholder's own car, in addition to Third Party Fire & Theft cover.

This provides the highest level of cover including damage to your own car in addition to the third party Fire & Theft cover.

[22] Total loss: Conditional ↩

Citadel's own Private Car (Comprehensive) benefits page does not state a currency limit for total loss; instead it describes a 'New for Old Replacement Car' benefit: the car is replaced with a new one of the same make/model/spec (if available) if it is stolen and not recovered, or damaged so that repairs would cost more than 60% of the manufacturer's price list at the time of loss.

[23] Partial loss: Covered ↩

Citadel's Private Car Comprehensive cover includes 'Accidental damage to your car' (listed as Yes under Comp, N/A under TPFT and TPO); the official benefits page states this inclusion but does not quote a monetary cap for partial/repair losses.

[24] Theft & robbery: Covered ↩

Loss of, or damage to, the insured car caused by fire or theft is covered under both the Comprehensive and Third Party Fire & Theft policies.

Loss or damage to insured car by Fire or Theft · Yes · Yes · N/A

[25] Glass damage: €500 ↩

Comprehensive policyholders have windscreen cover up to €500; if windscreen damage is the only claim made, the No Claim Discount is unaffected and no excess applies.

Windscreen Cover up to €500 If this is the only damage you claim for, your No Claim Discount will not be affected and no excess will be paid.

[26] Natural perils: Optional ↩

Policyholders may opt to extend a private or commercial Comprehensive policy to include cover for earthquake.

Do you wish to extend your private or commercial comprehensive policy to include cover for earthquake?

[27] Vandalism: Not established from the reviewed documents ↩

Citadel's official Private Car Comprehensive/TPFT/TPO benefits page lists 'Accidental damage to your car' and 'Loss or damage to insured car by Fire or Theft' as covered items but does not separately name vandalism or malicious damage as a covered or excluded peril, so vandalism-specific cover is not stated in the sources found.

[28] Roadside assistance: Covered ↩

Citadel's official Private Car benefits page (Comprehensive and Third Party Fire & Theft levels; not available under Third Party Only) lists '24 hour Breakdown Assistance' as 'Free for the first year' for both Comp and TPFT, with no cost or time limit stated beyond the first year.

[29] Replacement vehicle: Optional ↩

Comprehensive policyholders aged 21 or over may opt to extend their policy to cover the cost of an alternative vehicle following loss of, or damage to, their car.

extend cover to include an alternative vehicle following loss or damage to your car

[30] Driver accident: Conditional ↩

The Comprehensive policy provides a personal accident benefit to the policyholder or their family as a result of an accident involving the insured car.

a personal accident benefit to you or your family as a result of an accident involving your car

[31] Own damage: Covered ↩

If the motor vehicle is lost, stolen or damaged, Elmo will at its option repair it, replace it, or pay cash equivalent to the loss/damage. The maximum amount payable (other than under the Removal and Protection clause) is either the market value of the vehicle at the time of loss or the policyholder's estimated value shown on the Schedule, whichever is lower.

If the Motor Vehicle is lost, stolen or damaged, We will at Our option: • Pay for the Motor Vehicle to be repaired at a Suitable Repairer; or • Replace the Motor Vehicle if it is lost stolen or damaged beyond economical repair; or • Pay an amount in cash equivalent to the value of any loss or damage to the Motor Vehicle.

[32] Total loss: Covered ↩

Total loss is settled at market value or the policyholder's declared schedule estimate, whichever is lower. Under the New Motor Vehicle Concession, if a private car registered as new in the policyholder's name for less than one year is stolen/lost and not recovered, or damaged such that repairs exceed 60% of its catalogue/replacement price, Elmo will pay the cost of an equivalent new vehicle or the schedule estimate, whichever is lower, and the damaged/lost vehicle then belongs to Elmo.

If Your Motor Policy covers use as a Private Car and within one year of registration as new in Your name, the Motor Vehicle is: • Stolen or lost and not recovered; • Damaged so that repairs will cost more than 60% of either the price of the Motor Vehicle quoted in the latest catalogue or price list issued by the manufacturer or his agent in the country in which the Motor Vehicle is held for repair.

[33] Partial loss: Covered ↩

Elmo will pay for the motor vehicle to be repaired at its option. Spare parts and standard manufacturer accessories kept in the vehicle or the policyholder's private garage are covered in the same way. If the vehicle is five years old or more at the time of loss, Elmo may repair using Alternative (non-original/recycled/pattern) parts. Elmo will not pay for the part of any repair or replacement that improves the vehicle beyond its pre-loss condition.

If at the time of accident or loss, Your Motor Vehicle is five years old or more from the date of manufacture We may decide to repair the Motor Vehicle with Alternative Parts.

[34] Theft & robbery: Covered ↩

If the vehicle is stolen or damaged as a direct result of theft, Elmo will repair, replace, or pay cash equivalent to the loss, capped at market value or the schedule estimate, whichever is lower. Under the Fire & Theft excess table, the policyholder pays the first €50 for fire not following theft, and the first €250 for loss/damage caused by theft, attempted theft or fire following theft.

If the Motor Vehicle is stolen or damaged as a direct result of Fire or Theft, We will at Our option: • Pay for the Motor Vehicle to be repaired at a Suitable Repairer; or • Replace the Motor Vehicle if it is lost, stolen or damaged beyond economical repair; or • Pay an amount in cash equivalent to the value of any loss or damage to the Motor Vehicle at the time of the Fire or Theft.

[35] Glass damage: €500 ↩

Windscreen and Glass Cover up to €500 is a benefit applicable to Private Cars under Comprehensive Cover. This benefit does not apply while the vehicle is being serviced or repaired.

Windscreen Damage and Glass Cover up to € 500

[36] Natural perils: Covered ↩

Comprehensive Cover includes damages arising from flood, storm and tempest, excluding motorcycles and vehicles used for hire and reward, as confirmed in Elmo's Summary of Cover table.

Damages arising from flood, storm and tempest (Excluding motorcycles and vehicles for hire and reward)

[37] Vandalism: Conditional ↩

The own-damage grant under Section 3 covers the vehicle if it is lost, stolen or damaged, without a standalone vandalism exclusion. However, Section 2 excludes any accident, loss or damage caused by or resulting from Strike, Riot or Civil Commotion, unless cover is extended by Endorsement.

Any accident, loss or damage which is caused by or is a result of Strike, Riot or Civil Commotion unless cover is extended by Endorsement.

[38] Roadside assistance: Conditional ↩

Free roadside assistance is included for Private Cars with Comprehensive cover; it is optional at subsidised rates for Commercial Vehicles, Third Party Fire & Theft and Third Party Only cover. The service operates 24 hours a day, 7 days a week, covering Malta, Gozo and Europe for Private Cars, and Malta and Gozo only for Commercial Vehicles.

If Your Policy cover is on Comprehensive basis, and Your vehicle is a Private Car, You are entitled to free Roadside assistance.

[39] Replacement vehicle: €250 ↩

If a private car covered under Comprehensive cannot be used due to damage, fire or theft insured under the Policy, Elmo contributes towards the cost of hiring a similar alternative vehicle, up to €250 in total for the period the vehicle is under repair, subject to prior written approval and presentation of a rental receipt and hire agreement.

If the Motor Vehicle cannot be used as a result of damage, Fire or Theft insured under the Policy, We will contribute towards the cost of hiring an alternative vehicle of a similar type as the Motor Vehicle. The maximum amount payable in any one Period of Insurance is € 250 in total for the period during which the Motor Vehicle is under repair.

[40] Driver accident: €5,000 ↩

Elmo will pay up to €5,000 to any one person following any one accident during the Policy Period, under Comprehensive Cover for Private Cars. If more than one person is injured following any one accident, the maximum Elmo will pay is €10,000 during the Policy Period.

Personal Accident Cover up to: • € 5,000 to any one person following any one accident during the Policy Period.

[41] Own damage: Covered ↩

Comprehensive cover pays, at the insurer's option, to repair, replace, or cash-settle loss of or damage to the insured car and its accessories/spare parts, up to the market value of the car but not exceeding the value declared by the policyholder. This section (Section 1) is inoperative under Third Party Fire & Theft except for loss or damage caused directly by fire or theft.

If your car is lost, stolen or damaged, we may, at our option, either: pay for your car to be repaired; or replace your car; or pay in cash the amount of the loss or damage.

[42] Total loss: Covered ↩

A car is a total or constructive total loss when it is destroyed, cannot be repaired for further use, or repair costs equal or exceed the sum insured or market value (whichever is lower). Payout is the market value at the time of loss, not exceeding the declared value; if the insurer retains the wreck it belongs to the insurer, otherwise salvage value is deducted. A 'New Car Concession' replaces the car with a new one of the same make/specification (or pays up to 10% above the declared value) if, within 12 months of first purchase as new, repair costs exceed 60% of list price or the car is stolen and not recovered; this concession is available under both Third Party Fire & Theft (when triggered by fire/theft) and Comprehensive cover.

If we declare the car total loss or a constructive total loss and pay the pre-accident market value of your car, it will then belong to us.

[43] Partial loss: Covered ↩

Repairs to the insured car following accidental damage are covered; the policyholder may authorise minor repairs up to €250 without prior approval, provided an estimate is sent to the insurer without delay. Repairs may use non-original parts of similar standard. This cover is part of Section 1, which is fully operative only under Comprehensive.

You may authorise any necessary repairs to your car following any accidental damage to it provided that: the estimated cost of such repair does not exceed the sum of €250; and an estimate of the cost is forwarded to us without delay.

[44] Theft & robbery: Covered ↩

Theft or attempted theft of the insured car is covered up to its market value/declared value, under both Third Party Fire & Theft and Comprehensive policies. A compulsory first €200 excess applies to theft claims. Cover does not apply if the car was left unlocked, with windows/sunroof open or unsecured, or with the ignition keys or entry devices left in or on the car, or left unattended with the engine running.

If the loss or damage is caused by theft or attempted theft you will have to pay the first €200 of any claim.

[45] Glass damage: €1,000 ↩

GasanMamo pays up to €1,000 per occurrence for replacement or repair of the windscreen, sunroof or window glass (and resulting bodywork scratching); no excess applies and a glass-only claim does not affect the No Claims Discount. This cover does not apply while the car is undergoing servicing or repairs, and is included automatically under Comprehensive cover (Section 8B), which is not operative under Third Party Fire & Theft.

We will pay for the replacement or repair of the glass in your car's windscreen, sunroof or windows if it is lost or accidentally damaged...provided that the amount claimed shall not exceed €1000 in respect of any one occurrence. No excess applies under this section.

[46] Natural perils: Covered ↩

'Fire' is defined as fire, lightning or explosion and is an insured peril under both Third Party Fire & Theft and Comprehensive cover. Other natural perils, such as storm or flood damage, are only covered via Comprehensive's general 'loss of or damage to your car' section (Section 1), which is inoperative under Third Party Fire & Theft except for fire or theft losses.

Fire, lightning or explosion.

[47] Vandalism: Covered ↩

Damage from criminal activity such as attempted theft or malicious damage is addressed in the policy's accident guidance (report to police), and is covered as part of Comprehensive's general accidental damage cover (Section 1). This cover is not available under Third Party Fire & Theft, which only responds to fire or theft losses, not general malicious damage.

If your car suffers damage as a result of any criminal activity (such as an attempted theft or malicious damage) you need to report the matter to the police at the nearest police station.

[48] Roadside assistance: Covered ↩

Roadside assistance for mechanical or electrical breakdown (Section 10) is included automatically at no extra cost under Comprehensive cover. It is available as a paid optional extra under Third Party Fire & Theft (Section 11A) and Third Party Only. While the car is abroad in a designated state, roadside assistance costs are covered up to €1,000 per period of insurance (Section 7C); this is not automatically extended for Third Party Fire & Theft/Third Party Only unless an additional premium has been paid.

You will be provided with roadside assistance should your car suffer a mechanical or electrical breakdown.

[49] Replacement vehicle: €250 ↩

GasanMamo contributes up to €250 in total per period of insurance towards the cost of hiring an alternative car of a similar type if the insured car cannot be used due to damage, fire or theft covered by the policy. Prior written approval and a fiscal receipt/hire agreement are required, and this cover does not apply if the driver at the time of the accident was under 21. Included automatically under Comprehensive (Section 8D); not available under Third Party Fire & Theft or Third Party Only.

The maximum amount payable in any one period of insurance is €250 in total, such period being agreed to by a motor surveyor approved by us.

[50] Driver accident: €8,000 ↩

Pays €8,000 to the policyholder, spouse, or a named substitute (and their spouse) if accidental bodily injury connected with the car results, within three months, in death, loss of a limb, or permanent loss of sight in one or both eyes; capped at €16,000 in aggregate per period of insurance. Excludes corporate bodies, suicide, injury while under the influence of alcohol/drugs, and anyone aged 70 or over. Included automatically under Comprehensive (Section 3); available as a paid optional extra under Third Party Fire & Theft (Section 11C) and Third Party Only (Section 12C).

we will pay to the injured person €8,000 if, within three months of the accident, the injury is the sole cause of: death; or loss of any limb; or permanent loss of all sight in one or both eyes.

[51] Own damage: 100% of insured sum ↩

Covers accidental loss of or damage to the insured vehicle including its accessories and spare parts while in or on the vehicle or in a locked private garage. The maximum payable is the reasonable market value at the time of loss, not exceeding the sum insured. The insurer may repair, reinstate, replace, or pay the amount of loss. If the vehicle was purchased new in Malta within the past 12 months and is stolen and not recovered or repair costs exceed 60% of the new list price, a new replacement vehicle of the same make, model and specification will be provided if available in Malta.

We will cover you for accidental loss of or damage to your vehicle. We will also cover you for accidental loss of or damage to the vehicle’s accessories and spare parts while in or on your vehicle or while in your locked private garage.

[52] Total loss: 100% of insured sum ↩

If the cost of repairs exceeds the vehicle's current market value, the claim is settled at market value and the insurer may take possession of the salvage. For vehicles purchased new in Malta within 12 months, a total loss is declared if repair costs exceed 60% of the current new list price (including VAT). Otherwise a total loss is declared if repair costs exceed 75% of current market value. A new replacement vehicle of the same make, model and specification is provided if available in Malta.

In the event you have purchased your vehicle as new in Malta, and within 12 months it is: a. stolen and not recovered; or b. damaged and its repair costs are more than 60% of its current new list price

[53] Partial loss: 100% of insured sum ↩

Partial accidental damage to the vehicle is covered up to market value. Minor repairs up to €150 may be authorised directly by the policyholder without prior approval, provided an estimate and photographic evidence is submitted. Repairs are settled at current Maltese hourly rates; non-OEM parts of equivalent standard may be used. No improvement beyond pre-loss condition is covered.

the estimated cost of such repair does not exceed the sum of €150; and an estimate of the cost is forwarded to us without delay, together with photographic evidence of the damage.

[54] Theft & robbery: 100% of insured sum ↩

Covers loss or damage to the vehicle and its accessories caused by theft or attempted theft. Not covered if the vehicle is unlocked, windows are open, sunroof is left open or unlocked, removable roof panel is not attached and locked, convertible roof is not secured, ignition keys are left in or on the vehicle, or the vehicle is left unattended with the engine running (unless in a locked private garage). The definition of 'your vehicle' includes the charging station installed at the private residence, charging cables, adapters and battery.

We will cover you in the terms of Section 3 (Loss of or Damage to your Vehicle) of this Policy but only so far as concerns loss of or damage to your vehicle including its accessories and spare parts caused by: a. fire, self-ignition, lightning or explosion; or b. theft or attempted theft.

[55] Glass damage: €1,000 ↩

Covers accidental damage caused by breakage only to the glass in the vehicle's windscreen, sunroof or windows, and any scratching to the bodywork caused by broken glass, up to €1,000 per occurrence. A claim under this extension only does not affect the No Claim Discount.

We will cover you for any accidental damage, where the damage is caused by breakage only, to the glass in your vehicle’s windscreen, sunroof or windows and any scratching to the bodywork caused by broken glass, up to the limit shown in the Schedule, any one occurrence.

[56] Natural perils: 100% of insured sum ↩

Storm, tempest, flood and hail damage is covered under Comprehensive (excluding motorcycles); earthquake is an optional paid extension (4.13); TPF&T private vehicles get storm/flood cover via Section 8.

xii. loss or damage to motorcycles arising out of storm, tempest and flood;

[57] Vandalism: Covered ↩

Vandalism by a third party is covered under Comprehensive (Section 3, accidental loss of or damage to your vehicle). Deliberate damage caused by the policyholder or a person described in the Schedule remains excluded, and any vandalism must be reported to the police immediately for a claim to be valid.

We will cover you for accidental loss of or damage to your vehicle. We will also cover you for accidental loss of or damage to the vehicle’s accessories and spare parts while in or on your vehicle or while in your locked private garage.

[58] Roadside assistance: Covered ↩

Free roadside assistance and breakdown service covering: repair on the spot, battery boost assistance (hybrid vehicles only, max 2 services per week), towing of vehicle, second delivery service, transport of vehicle occupants, flat tyre assistance, out-of-charge towing (electric vehicles; first service free, €40 fee for subsequent services), fuel delivery (hybrid; up to €10 worth, first service free, €40 fee for subsequent services), and locksmith service (one per policy period, €40 fee for additional). Limited to a maximum of four (4) breakdown services per policy period across all covers. Available throughout Europe; when outside Malta in Europe, towing limited to €300 and cover period is the shorter of the ferry return period or 14 days.

The Company guarantees to provide you with timely material help in the form of services, immediately after experiencing difficulties as a result of an accident or breakdown occurring within the Territory during the course of a trip with the vehicle.

[59] Replacement vehicle: €350 ↩

Covers the cost of hiring an alternative vehicle (with preference for a hybrid or electric, subject to availability) while the insured vehicle is undergoing repairs following an accident covered under the policy, up to €350 per claim. Available for private vehicles under Comprehensive cover only. The replacement vehicle is not intended to be an exact replacement. Fuel, excess, fares, fines and other fees relating to the replacement vehicle are not covered.

We will cover you for the cost of hiring an alternative vehicle, with our first preference being a hybrid or electric but depending on availability, while your vehicle is undergoing repairs following an accident covered under your Policy for the period as authorised by the inspecting surveyor but not exceeding the amount shown in the Schedule, any one claim.

[60] Driver accident: €10,000 ↩

Pays the injured person or legal representatives up to €10,000 per person and €30,000 in any one period of insurance in the event of death, total and irrecoverable loss of sight in one or both eyes, or total loss by physical severance at or above the wrist or ankle of one or more limbs, arising as a direct result of an accident involving the vehicle. Death or injury must occur within 3 months of the accident. The injured person must be aged 18 to 76 at the time of the accident. Also applies when the policyholder is a pedestrian or cycling (capped at 50% of limit). In the event of permanent disability requiring vehicle modifications, an additional €2,000 is payable.

If you and/or any of your passengers shall sustain bodily injury as a direct result of an accident involving your vehicle, or while getting into, out of or travelling in any other private vehicle not belonging to you or hired to you under a hire purchase agreement, we will pay to the injured person or to such person’s legal representatives one of the benefits described below up to the amounts shown in the Schedule