GasanMamo
GasanMamo is a motor casco insurance for the MT market with online purchase and limited assistance availability.
Direct payment
In the event of a comprehensive claim, GasanMamo pays the approved repairer directly for repair costs. In total-loss settlements, payment is made to the policyholder or, where a hire-purchase or leasing agreement exists, to the finance company. For personal accident benefits, payment is made directly to the injured person or their legal representative.
Geographic scope
MT
Primary cover in Malta (Republic of Malta including recognised sea passages). Third party liability minimum cover extended to all EU member states plus Norway, Liechtenstein, Iceland, United Kingdom, Switzerland, Andorra, San Marino, Vatican City, Monaco, Serbia, Bosnia Herzegovina and Montenegro. Own damage cover extended to designated states for up to 30 days per policy period with one working day prior notice.
Unique selling points
- Zero excess for authorised drivers aged 25 and over on all own-damage claims, setting a higher standard than the market-default of applying an excess to every driver.
- Roadside assistance is included at no extra cost with every Comprehensive policy, with overseas roadside cover up to €1,000 per period also bundled in.
- New car replacement guarantee: if a brand-new car is written off or stolen and not recovered within 12 months of purchase, GasanMamo replaces it with a new car of the same make and specification or pays up to 110% of the declared value.
- Uninsured Driver Promise: if hit by an uninsured driver while not at fault, the policyholder keeps their full no claim discount and receives a full refund of any excess paid.
- Dedicated EV coverage enhancements including up to €20,000 for drive battery consequential damage from short circuits or animal bites, and up to €650 for charging cables and wall boxes, all built into the standard Comprehensive product.
Coverage limits
Loss of or Damage to Your Car (Section 1)
Covered
Covers accidental loss or damage to the insured car, its accessories and spare parts. GasanMamo may pay for repair, replace the car, or pay cash for the loss or damage. The maximum payable is the market value of the car not exceeding the declared sum insured. For Electric Vehicles over 9 years old or grey imports, drive battery replacement is subject to a depreciation deduction. Cover is exhausted after a total or constructive total loss settlement for the remaining policy period unless reinstated at additional premium.
Total Loss / Constructive Total Loss Settlement
Covered
In the event of a total loss (vehicle destroyed beyond repair as determined by an approved motor surveyor) or constructive total loss (repair cost equals or exceeds the lower of sum insured or market value), GasanMamo pays the pre-accident market value or the declared sum insured, whichever is lower. New car concession: if within 12 months of first purchase by the policyholder or spouse the repair cost exceeds 60% of original list price (incl. registration tax and VAT) or the car is stolen and not recovered, GasanMamo will replace the car with a new car of the same make and specification or pay up to 110% of the declared vehicle value.
Partial Loss – Repair of Accidental Damage
Covered
Where the car is damaged but not a total or constructive total loss, GasanMamo pays reasonable repair costs up to the market value or declared sum insured. Repairs may use equivalent non-manufacturer parts. If the car cannot be repaired in Malta, costs are estimated using Maltese repair-facility rates. Removal and protection costs up to €350 plus taxi up to €50 are also covered. Minor repairs up to €250 may be authorised by the policyholder without prior approval, subject to sending an estimate without delay.
Theft or Attempted Theft
Covered
Covers loss of or damage to the insured car caused directly by theft or attempted theft. The maximum payable is the lower of market value or declared sum insured. An excess of €200 applies to theft/attempted theft claims. Cover is excluded when the car is unlocked, windows are open, sunroof is left open or unlocked, convertible roof/hood is unsecured, ignition keys or entry devices are left in or on the car, or the car is left unattended with the engine running.
Breakage of Glass (Section 8B)
Covered
Covers replacement or repair of glass in the car's windscreen, sunroof or windows if lost or accidentally damaged, and bodywork scratching arising solely from glass breakage. Maximum €1,000 per occurrence. A glass-only claim does not affect the no claim discount. No excess applies under this section. The extension does not apply whilst the car is undergoing servicing or repairs. Wear and tear and depreciation are excluded.
Fire, Lightning and Explosion (Natural Perils)
Covered
Section 1 covers loss or damage to the insured car caused directly by fire (defined as fire, lightning or explosion). This is included in Comprehensive cover and also in Third Party Fire and Theft cover. For Electric Vehicles, electrical overload damage caused by lightning strikes is additionally covered under the EV-specific provisions. Loss or damage from pressure waves caused by aircraft is explicitly excluded.
Malicious Damage / Vandalism
Covered
Malicious damage (vandalism) to the insured car is covered under Section 1 (Loss of or Damage to Your Car) as part of Comprehensive cover, since Section 1 covers all accidental loss or damage not explicitly excluded. If the car suffers damage as a result of criminal activity such as malicious damage, the matter must be reported to the police. Loss of value following repair is explicitly excluded. Storage costs incurred while awaiting commencement of repairs are not covered.
Roadside Assistance (Section 10A / Section 7C)
Covered
Included free with Comprehensive cover (Section 10A): roadside assistance for mechanical or electrical breakdown. For overseas use in designated states (Section 7C), covers roadside assistance costs up to €1,000 per policy period arising from accident or mechanical/electrical failure. Section 10 also includes a €50 reduction in the Section 2 (third party liability) excess. For Third Party Fire and Theft and Third Party Only policies, roadside assistance is available as an optional add-on at an additional premium (Section 11A / Section 12A).
Hiring of Alternative Car (Section 8D)
Covered
If the insured car cannot be used as a result of damage, fire or theft insured under the policy, GasanMamo contributes towards the cost of hiring an alternative car of similar type for the duration of the authorised repair period (agreed by an approved motor surveyor), up to a maximum of €250 per policy period. Alternatively, at GasanMamo's discretion, a daily mobility voucher with approved partners may be offered as a substitute. Prior written approval is required before hiring. A fiscal receipt and copy of the hire agreement from a licensed car-rental firm are required. If an accident occurs while driving the hired car and the hirer's excess exceeds Section 1 excess, GasanMamo pays the difference up to €250. Not available where the authorised driver was under 21 years of age at the time of the accident.
Personal Accident Cover (Section 3)
Covered
Included in Comprehensive cover. Pays €8,000 to the policyholder and/or spouse (or specified substitute and their spouse) if accidental bodily injury in connection with the insured car or while travelling in any other private car (not owned or hire-purchased by the insured) is, within 3 months of the accident, the sole cause of: death, loss of any limb, or permanent loss of all sight in one or both eyes. Maximum per person per accident: €8,000. Maximum per policy period: €16,000. No excess applies. Payment does not affect the no claim discount. Excludes persons aged 70 or over, death/injury from suicide or attempted suicide, and death/injury while under the influence of alcohol or drugs. For Third Party Fire and Theft and Third Party Only policies, personal accident is an optional add-on.
Key conditions
driver_age_experience_limit
No excess applies under Section 1 for authorised drivers aged 25 years and over. For drivers aged 20 years or under, an excess of €300 applies; aged 21 years or over, €200; aged 25 years or over but holding a full driving licence for less than 2 years, €200. For theft/attempted theft claims, an excess of €200 applies regardless of age. Under Section 2 (third party liability): €100 excess for drivers aged 20 or under; €50 for drivers aged 21 or over. Personal accident cover (Section 3) excludes anyone aged 70 or over at the time of the accident. Hiring of alternative car (Section 8D) is not available where the driver was under 21 at the time of the accident.
repair_network_requirements
GasanMamo may repair the car with equivalent non-manufacturer parts of similar standard. Where the car cannot be repaired in Malta, costs are estimated using the hourly rate of Malta-based repair facilities approved by the vehicle manufacturer, or, in absence of such, rates of facilities approved by similar manufacturers. A minor repair up to €250 may be authorised by the policyholder without prior approval, provided an estimate is forwarded without delay. For all other repairs, prior authorisation is required.
territorial_scope
Primary cover applies in Malta (including recognised sea passages). Third party liability minimum cover is automatically extended to all EU member states plus Norway, Liechtenstein, Iceland, United Kingdom, Switzerland, Andorra, San Marino, Vatican City, Monaco, Serbia, Bosnia Herzegovina and Montenegro (designated states) at no additional premium. Own damage cover (Section 1) is extended to designated states for up to 30 days in total per policy period, provided one working day's prior notice is given. The policy is intended for vehicles registered and normally based in Malta; overseas trips must not exceed 30 days total per policy period without notifying GasanMamo. Coverage during sea transit applies for ferry crossings not exceeding 65 hours. Extension to non-designated (third) countries requires advance request, Green Card issuance, additional premium, and at least two weeks' prior notice.
anti_theft_requirements
The policyholder must at all times take all reasonable steps to safeguard the car from loss or damage. This includes closing all windows (including sunroof) and activating any anti-theft device fitted when leaving the car unattended. Theft or attempted theft cover is excluded if: the car is unlocked; windows are open; sunroof is left open or unlocked; removable roof panel is not attached and locked; convertible roof or hood is not secured and locked; ignition keys or entry/operation devices are left in or on the car; or the car is left unattended with the engine running. Removal of audio equipment where physically possible is also required when leaving the car unattended.
claim_notification_deadline
Claims must be notified as soon as reasonably possible after any accident, injury, loss or damage. In the event of theft or criminal activity, the police must be advised immediately. For motor legal expenses claims (Section 9), incidents must be reported within 90 days after discovery. Any communication received about the incident must be forwarded immediately unanswered. If the policyholder or any insured person is to be prosecuted, or if there are legal or judicial proceedings, immediate written notice must be given. Failure to notify promptly may delay or suspend the claim.
deductible_rules
Section 1 (own damage): No excess for authorised drivers aged 25 and over. For drivers aged 20 or under: €300; aged 21 or over: €200; aged 25+ but licence held less than 2 years: €200. Theft/attempted theft: €200 regardless of driver age. Radio/in-car entertainment only claims: no excess. These excesses apply in addition to any voluntary or compulsory excesses. Section 2 (third party liability): €100 for drivers aged 20 or under; €50 for drivers aged 21 or over (these do not apply when a Section 1 claim is also made). Section 8A (replacement locks): €50 if the only claim. Section 8F (personal effects – fire/theft/malicious damage): €50 unless car is in a locked garage. Overseas use (Section 7B): excess for accidental damage and theft claims is increased and shown on the relevant endorsement. Voluntary excess options of +€50 or +€150 are available for an additional premium discount.
Where to buy
Policy specifics
Electric & Plug-in Hybrid Vehicle Coverage
Coverage for charging cables, wall boxes, adaptors up to €650; battery damage from lightning overload up to €20,000; battery damage from short circuit or animal bites up to €20,000; battery disposal costs up to €1,200
Personal Accident Cover
Personal Accident cover up to €8,000 per person per accident (maximum €16,000 per policy period); included as standard in Comprehensive policies, available as an optional add-on for Third Party Fire and Theft and Third Party Only.
Breakage of Glass Cover
Coverage up to €1,000 to repair or replace glass in the car
Uninsured Driver Promise
If hit by an uninsured driver and not at fault, policyholder will not lose no claim discount and will receive refund of excess
Loss of Value Following Repair
Coverage for loss of value (depreciation) that may occur following repair of vehicle damage
No Excess for Drivers Aged 25+
When making a claim, drivers aged 25 years and over are not required to pay an excess
Territorial Limits
Policy provides minimum liability cover in Malta and EU member states, plus Switzerland, Norway, Iceland, Liechtenstein, United Kingdom, Andorra, San Marino, Vatican City, Monaco, Serbia, Bosnia Herzegovina and Montenegro; own damage cover only for limited period overseas
Valid Driving Licence Requirement
Drivers must always have a valid driving licence; grace period of 60 days from expiry date is allowed for validity under policy
Car Hire Costs Coverage
Car hire costs are covered even while waiting for repairs to start; separate arrangement for alternative vehicle provision during claim settlement
Constructive Total Loss Definition
Vehicle is considered constructive total loss when damage repair costs exceed market value or sum insured; policy provides settlement terms for such scenarios
New Car Replacement Value Guarantee
If a new car is declared a total loss or stolen and not recovered within the first 12 months of first purchase by the policyholder or their spouse, the policy will pay up to 110% of the declared vehicle value or replace the car with a new car of the same make and specification.