MAPFRE Middlesea

driver_age_experience_limit

Personal Accident cover requires the injured person to be aged 18 or over and not more than 76 years of age at the time of the accident. There is no explicit minimum driving experience requirement stated in the policy. All authorised drivers must hold a valid and appropriate driving licence as issued by competent authorities (still active or not more than 60 days expired).

repair_network_requirements

The insurer may, at its option, repair the vehicle using non-OEM parts of a similar standard. Minor repairs up to €150 may be authorised by the policyholder directly without prior approval, subject to submission of a cost estimate and photographic evidence. For repairs outside Malta, the insurer pays an amount equivalent to Maltese repair rates as determined by its approved surveyor; no additional transportation or increased repair costs outside Malta are covered.

territorial_scope

The policy primarily covers vehicles registered and based in Malta. Third party liability cover applies automatically in all EU/EEA designated states. Casco cover (Sections 2 and 3) applies within the Maltese Islands. Extension to designated states under casco requires payment of additional premium; extension to non-designated states additionally requires a Green Card. Roadside assistance covers Malta and the rest of Europe, with towing capped at €300 when abroad and limited to the shorter of the ferry return period or 14 days.

anti_theft_requirements

Theft or attempted theft is 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 or hood is not secured and locked, ignition keys or devices are left in or on the vehicle or unsecured/unattended without proper precautions, or the vehicle is left unattended with the engine running. These conditions are waived only if the vehicle is in a locked private garage.

claim_notification_deadline

Notice of any accident, injury, loss or damage must be given as soon as reasonably possible but in no case later than 20 days. All correspondence received must be forwarded without delay. Theft, vandalism or any other criminal act giving rise to a claim must be reported immediately to the police.

deductible_rules

An excess (deductible) as shown in the Schedule applies to Sections 2 and 3. The excess is borne by the policyholder as the first part of any claim. If the policyholder is a named insured under a valid MAPFRE Middlesea Home Insurance policy covering home contents, €90 is waived from the applicable excess (Excess Waiver extension, Comprehensive, private vehicles only, once per Home Insurance policy period). If the responsible driver is uninsured and the policyholder is not at fault, the excess is refunded and the No Claim Discount is protected.

Battery scrapping costs following accident

Coverage for additional costs incurred to scrap the drive battery following an accident, applicable to fully-electric and plug-in hybrid vehicles only

Battery decontamination costs

Coverage for battery decontamination costs if vehicle is declared a total loss, applicable to fully-electric and plug-in hybrid vehicles only

Towing to nearest charging point

Coverage for towing to the nearest charging point or home charge point (whichever is nearest) when electric vehicle runs out of charge

Exclusion: Deep discharge or overcharge of battery

Loss or damage to electric vehicle arising from deep discharge or overcharge of the battery is not covered

Exclusion: Charging station liability

Any liability arising from charging stations whether for public use or otherwise, including any ancillary equipment, is not covered

Drive battery consequential damage (short circuit or animal bites)

Coverage for consequential damage arising from a short circuit in the cabling of the drive battery or animal bites on the drive battery, applicable to fully-electric and plug-in hybrid vehicles only, up to €20,000 any one occurrence and in any one period of insurance.

Drive battery electrical overload damage (lightning strike)

Coverage for loss or damage due to electrical overload following lightning strikes on the drive battery, applicable to fully-electric and plug-in hybrid vehicles only under Section 4.9 Drive Battery Cover.

Battery replacement depreciation

If it is necessary to replace the vehicle's battery with a new one after covered damage, the insurer pays the cost of a replacement battery less 10% depreciation for each year the damaged battery was in operation. The remaining deducted balance is borne by the policyholder.

Roadside assistance and breakdown service limit

Roadside Assistance and Breakdown cover is limited to a maximum of four (4) breakdown services per electric vehicle insurance policy period across all covers

Battery boost assistance limit

Battery boost assistance is limited to 2 battery boost services in 1 week (applicable to hybrid vehicles only; does not apply to fully-electric vehicles)

Locksmith service limit

Locksmith service is limited to one service per policy period; fee of €40.00 charged if service required more than once

Vehicle weight limit

Policy only covers vehicles with a weight less than 3,500 kg

Fuel delivery and out-of-charge service fee

If fuel delivery (hybrid) or out-of-charge service (electric) is required more than once during policy period, a fee of €40.00 is charged

New vehicle replacement condition

If the vehicle was purchased new in Malta and within 12 months is stolen and not recovered, or damaged with repair costs exceeding 60% of its current new list price including VAT, it will be replaced with a new vehicle of the same make, model and specification if immediately available in Malta. If such a vehicle is not immediately available in Malta, or the vehicle was not purchased in Malta, the most payable is the reasonable market value at the time of loss.