Elmo Insurance Casco (own-damage car insurance) (Motor Insurance)
Underwritten by Elmo Insurance Limited · Malta
casco (own-damage car insurance) from Elmo Insurance for the Malta market, with online purchase and 24/7 assistance.
Verified Oct 15, 2026 · Terms dated 2021-01Sources
Key facts
- Elmo Insurance
Unique selling points
Comprehensive Private Car policyholders receive up to 30 days per year of free own-damage cover extension when travelling with their vehicle to EU/Designated States, rather than paying an extra premium.
Free roadside assistance with a limit of three calls per year is included with every Comprehensive Private Car policy, with subsidised membership available for other cover types and vehicle classes.
Elmo offers free valuation of the vehicle and can renew the customer's road licence free of charge together with the insurance policy.
Elmo can effect the Transfer of Ownership when a customer purchases a private vehicle, as long as it is insured through Elmo Insurance.
Motor insurance policies can be bought or renewed entirely online, and customers benefit from a multi-product discount when bundling motor with home, boat or health insurance.
Coverage limits
Own damage cover (loss or damage to the insured motor vehicle)
Covered
No limit stated
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.
Section: Section 3: Accidental damage to Your Motor Vehicle
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.
Total loss settlement, including New Motor Vehicle Concession
Covered
No limit stated
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.
Section: Section 3: Accidental damage to Your Motor Vehicle > New Motor Vehicle Concession
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.
Partial loss / repair cover
Covered
No limit stated
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.
Section: Section 2: Damage to Your Motor Vehicle by Fire and Theft > Spare parts and Accessories
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.
Theft and attempted theft cover
Covered
No limit stated
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.
Section: Section 2: Damage to Your Motor Vehicle by Fire and 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.
Windscreen and glass cover
€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.
Section: Summary of Cover > Applicable only to Private Cars
Windscreen Damage and Glass Cover up to € 500
Damage from flood, storm and tempest
Covered
No limit stated
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.
Section: Summary of Cover
Damages arising from flood, storm and tempest (Excluding motorcycles and vehicles for hire and reward)
Malicious damage / vandalism
Conditional
No limit stated
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.
Section: Section 2: Damage to Your Motor Vehicle
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.
Roadside assistance
Conditional
No limit stated
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.
Section: Motor FAQs > Does my Policy come with Roadside assistance?
If Your Policy cover is on Comprehensive basis, and Your vehicle is a Private Car, You are entitled to free Roadside assistance.
Hiring of alternative vehicle
€250
in total for the policy period
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.
Section: Section 7: Endorsements > Endorsement No 7.3
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.
Personal accident cover
€5K
per person
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.
Section: Summary of Cover > Applicable only to Private Cars
Personal Accident Cover up to: • € 5,000 to any one person following any one accident during the Policy Period.
Key conditions
Repair network requirements
If standard accessories or spare parts are not available locally, Elmo may pay in cash the manufacturer or agent's latest quoted list price plus the cost of carriage. If the vehicle is five years old or more from the date of manufacture, Elmo may decide to repair it using Alternative Parts.
SourcePage 22Section: Section 2: Damage to Your Motor Vehicle by Fire and Theft > Spare parts and Accessories
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.
Anti-theft requirements
Loss or damage arising from theft or attempted theft while the vehicle is unlocked or with the windows open is not insured.
SourcePage 2Section: What is not insured?
Loss or damage arising from theft or attempted theft whilst your vehicle is unlocked or the windows are open.
Claim notification deadline
The policyholder must inform Elmo as soon as possible of any accident, injury, loss or damage which may give rise to a claim under the policy.
SourcePage 3Section: What are my obligations?
You must inform us as soon as possible of any accident, injury, loss or damage which may give rise to a claim under this policy.
Deductible rules
The compulsory excess applicable to a claim is the amount shown in the policyholder's schedule and in the policy document's benefit limits. Under both Comprehensive and Third Party Fire & Theft cover, the policyholder may optionally increase the standard excess in exchange for a premium reduction, or delete the fire and theft excess.
SourcePage 3Section: Summary of Cover
Voluntary increase in standard excess
Direct payment
Elmo Insurance's cost control team liaises directly with suppliers to order replacement parts, which are delivered to the policyholder's chosen approved repairer; for VAT-registered commercial clients, the owner purchases the parts and claims settlement net of VAT once liability is determined, unless proof of VAT exemption is provided, in which case Elmo orders the parts directly.
Territorial scope
Own-damage cover applies in Malta; for Private Cars, up to 30 days per Period of Insurance of free own-damage extension applies when travelling in Designated States, subject to prior notification and an Endorsement being issued. Own damage cover outside Malta for Commercial Vehicles is available at an additional premium. Third party liability cover extends automatically to all Designated States.
Where to buy
Listed alphabetically by seller. The order does not depend on whether Boleron earns anything from a sale.
Documents
Motor Insurance Policy Document (January 2021 edition, current wording) (opens in a new tab)
Terms & conditions · PDF
Motor Insurance Important Information Document & Insurance Product Information Document (IPID) (opens in a new tab)
Product information sheet · PDF
Motor Insurance Brochure (December 2023 edition) - Summary of Cover (opens in a new tab)
Table of benefits · PDF
Policy specifics
Trailer extension - automatically covered for third party damage
Commercial vehicle policies include automatic trailer extension coverage in respect of third party damage
SourceSection: Commercial Vehicle Insurance
Trailer extension automatically covered in respect of third party damage
Legal assistance for third party, fire and theft cover and third party only
Commercial vehicles have legal assistance included for third party, fire and theft cover and third party only coverage types
SourceSection: Commercial Vehicle Insurance
Legal assistance for third party, fire and theft cover and for third party only
Deletion of any compulsory excess
Commercial vehicle insurance includes deletion of compulsory excess as a standard benefit
SourceSection: Commercial Vehicle Insurance
Deletion of any compulsory excess
Roadside assistance for commercial vehicles (subsidised rates)
Commercial vehicles are offered subsidised rates for roadside assistance, unlike private cars which receive it free with comprehensive cover
SourceSection: Motor FAQs > e. Does my Policy come with Roadside Assistance?
For any other cover and for Commercial vehicles, We offer subsidised rates should You wish to include Roadside Assistance under Your Policy.
Commercial use limitation
The policy defines separate Limitations as to Use for commercial goods-carrying and general commercial purposes (e.g. 'Commercial - own goods/general'), distinct from Private Car use, with specific restrictions on carriage of goods/passengers for hire or reward.
SourcePage 10Section: Meaning of Words > Limitations as to use
Commercial – own goods/general – Use as a goods carrying vehicle for general cartage or for Your own goods, the carriage of passengers (other than for hire and reward) when such use is in connection with Your business and use for social, domestic and pleasure purposes;
Loss of keys
Optional benefit covering loss of keys up to €750, available under Comprehensive Cover for Private Cars
SourcePage 3Section: Summary of Cover > Applicable only to Private Cars
Loss of Keys up to € 750 Optional
Child car seats
Benefit covering child car seats up to €150, available under Comprehensive and Third Party Fire & Theft Cover for Private Cars
SourcePage 3Section: Summary of Cover > Applicable only to Private Cars
Child Car Seat up to € 150
Personal belongings
Benefit covering personal belongings up to €300 (€150 per item), available under Comprehensive and Third Party Fire & Theft Cover for Private Cars
SourcePage 3Section: Summary of Cover > Applicable only to Private Cars
Personal Belongings up to € 300 (€ 150 any one item)
Medical expenses
Benefit covering medical expenses up to €250, available under Comprehensive Cover for Private Cars
SourcePage 3Section: Summary of Cover > Applicable only to Private Cars
Medical Expenses up to € 250
Foreign use coverage for commercial vehicles
Fire, theft and own damage cover outside Malta is offered at additional premium for commercial vehicles
SourcePage 3Section: Where am I covered?
Fire, theft and own damage cover outside Malta is offered at an additional premium, however for Private Cars we offer 30 days annually free of charge.
Authorised drivers restriction
Loss or damage is not covered while the vehicle is being driven by or is in the charge of any person who is not described in the policy schedule
SourcePage 2Section: What is not insured?
Loss or damage while your vehicle is being driven by or is in the charge of any person who is not described in the schedule.
Sources
- elmoinsurance.comhttps://www.elmoinsurance.com/commercial/commercial-vehicle-insurance(opens in a new tab)
- elmoinsurance.comhttps://www.elmoinsurance.com/faqs/motor(opens in a new tab)
- elmoinsurance.comhttps://www.elmoinsurance.com/sites/default/files/Elmo%20Motor%20Insurance_COMBINED%20IPID%20and%20IMP%20INFO%20DOC_DIGITAL_05.24.pdf#page=2(opens in a new tab)
- elmoinsurance.comhttps://www.elmoinsurance.com/sites/default/files/Elmo%20Motor%20Insurance_COMBINED%20IPID%20and%20IMP%20INFO%20DOC_DIGITAL_05.24.pdf#page=3(opens in a new tab)
- elmoinsurance.comhttps://www.elmoinsurance.com/sites/default/files/Elmo_Motor%20policy%20doc_0121.pdf#page=13(opens in a new tab)
- elmoinsurance.comhttps://www.elmoinsurance.com/sites/default/files/Elmo_Motor%20policy%20doc_0121.pdf#page=15(opens in a new tab)
- elmoinsurance.comhttps://www.elmoinsurance.com/sites/default/files/Elmo_Motor%20policy%20doc_0121.pdf#page=16(opens in a new tab)
- elmoinsurance.comhttps://www.elmoinsurance.com/sites/default/files/Elmo_Motor%20policy%20doc_0121.pdf#page=21(opens in a new tab)
- elmoinsurance.comhttps://www.elmoinsurance.com/sites/default/files/Elmo_Motor%20policy%20doc_0121.pdf#page=7(opens in a new tab)
- elmoinsurance.comhttps://www.elmoinsurance.com/sites/default/files/Elmo_Motor_Brochure_DEC23.pdf#page=3(opens in a new tab)
Elmo Insurance Casco (own-damage car insurance)