MAPFRE Middlesea Casco (own-damage car insurance) (Electric Vehicle Insurance Comprehensive)
Underwritten by Mapfre Middlesea p.l.c. · Malta
casco (own-damage car insurance) from MAPFRE Middlesea for the Malta market, with online purchase and 24/7 assistance.
Verified Jun 3, 2026 · Terms dated 2024-12-01Sources
Unique selling points
Dedicated Electric Vehicle Insurance policy with EV-specific coverages built in as standard, including drive battery cover (electrical overload, consequential damage up to €20,000, battery scrappage up to €500, decontamination up to €1,000) at no extra premium for fully-electric and plug-in hybrid vehicles.
Free European Roadside Assistance included across all cover levels (Third Party Only, Third Party Fire & Theft, and Comprehensive), covering Malta and the rest of Europe, including EV-specific out-of-charge towing to the nearest charging point or home charge point.
New vehicle replacement guarantee for vehicles purchased new in Malta: if stolen or declared a total loss within 12 months of purchase, a brand-new replacement of the same make, model and specification is provided (subject to availability in Malta).
Third Party Uninsured Driver Promise: if the vehicle is damaged by an uninsured driver who is at fault, the policyholder's No Claim Discount is preserved and any excess paid is refunded.
24/7 emergency assistance available via dedicated helpline (+356 2248-0200) and WhatsApp (+356 7948-0200), with multi-policy discounts for customers holding more than one MAPFRE Middlesea policy.
Coverage limits
Accidental Loss or Damage to Vehicle (Comprehensive)
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.
Section: Section 3 - Loss of or Damage to Your Vehicle
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.
Total Loss Settlement
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.
Section: Section 3 - Loss of or Damage to Your Vehicle
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
Partial Loss - Accidental Damage
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.
Section: Section 3 - Loss of or Damage to Your Vehicle > Authorisation of minor repairs
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.
Theft and Attempted Theft
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.
Section: Section 2 - Fire and Theft Damage to Your Vehicle
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.
Breakage of Glass
€1K
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.
Section: Section 4 - Extensions to Cover > 4.3 Breakage of Glass
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.
Storm, Tempest, Flood and Hail
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.
Section: Section 3 - Loss of or Damage to Your Vehicle > What is NOT covered under this SECTION
xii. loss or damage to motorcycles arising out of storm, tempest and flood;
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.
Section: Section 3 - Loss of or Damage to Your Vehicle
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.
European Roadside Assistance and Breakdown Service
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.
Section: Section 6 - European Roadside Assistance (RSA) > Object and Scope of Cover
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.
Courtesy Vehicle (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.
Section: Section 4 - Extensions to Cover > 4.11 Courtesy Vehicle (Private Vehicles Only)
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.
Personal Accident Cover
€10K
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.
Section: Section 4 - Extensions to Cover > 4.1 Personal Accident
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
Key conditions
Driver age and 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.
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.
Direct payment
Claims are settled at the insurer's option by repair, reinstatement, replacement, or cash payment up to the reasonable market value of the vehicle at the time of loss, not exceeding the sum insured stated in the Schedule. Battery replacement is paid at cost less 10% depreciation per year in operation. For repairs outside Malta, the insurer may pay an equivalent amount based on Maltese hourly repair rates as determined by their approved surveyor.
Territorial scope
Malta (primary); European designated states for third party liability and roadside assistance; extension to non-designated states on payment of additional premium and issue of Green Card
Documents
Electric Vehicle Insurance Policy - Terms and Conditions (EVP-V2.0, effective December 2024) (opens in a new tab)
Terms & conditions · PDF
Electric Vehicle Insurance Policy - Insurance Product Information Document (IPID, EVI-V2.0, April 2023) (opens in a new tab)
Product information sheet · PDF
Electric Vehicle Insurance Policy - Insurance Product Information Document (EVI-V1.0, July 2021) (opens in a new tab)
Product information sheet · PDF
Policy specifics
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
SourceClause 4.9Page 11Section: Section 4 - Extensions to Cover > 4.9 Drive Battery Cover > c. Battery scrappage
We will cover you for the additional costs incurred to scrap the drive battery following an accident, up to the limit stated in the Schedule any one occurrence and in any one period of insurance.
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
SourceClause 4.9Page 11Section: Section 4 - Extensions to Cover > 4.9 Drive Battery Cover > d. Decontamination costs
If your vehicle is declared a total loss, we will cover you for the battery decontamination costs up to the limit stated in the Schedule any one occurrence and in any one period of insurance.
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
SourcePage 15Section: Section 6 - European Roadside Assistance (RSA) > 7. Out of Fuel / Charge
In the event that your electric vehicle runs out of charge, we will tow you to the nearest charging point or your home charge point, whichever is the nearest.
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
SourcePage 2Section: What is not insured?
Deep discharge or overcharge of the battery.
Exclusion: Charging station liability
Any liability arising from charging stations whether for public use or otherwise, including any ancillary equipment, is not covered
SourcePage 2Section: What is not insured?
Any liability however arising from charging stations whether for public use or otherwise, including any ancillary equipment such as cables and plugs, unless your vehicle is connected to such equipment for charging when liability arises
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.
SourceClause 4.9Page 11Section: Section 4 - Extensions to Cover > 4.9 Drive Battery Cover > b. Consequential damage
We will cover you for any consequential damage arising out of: i) a short circuit in the cabling of the drive battery; ii) animal bites on the drive battery up to the limit stated in the Schedule 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.
SourceClause 4.9Page 11Section: Section 4 - Extensions to Cover > 4.9 Drive Battery Cover > a. Electrical Overload damage
We will cover you for loss or damage due to electrical overload following lightning strikes on the drive battery.
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.
SourcePage 7Section: Section 3 - Loss of or Damage to Your Vehicle
If it is necessary to replace your vehicle’s battery with a new one after it sustained damages which are covered under this Policy, then we will pay you the cost of a replacement battery less a 10% depreciation for each year the damage battery was in operation, with the remaining deducted balance to be borne by you.
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
SourceSection: Levels of Cover
Overall 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)
SourceSection: Levels of Cover
Battery Boost Assistance: This cover is limited to 2 battery boost services in 1 week.
Locksmith service limit
Locksmith service is limited to one service per policy period; fee of €40.00 charged if service required more than once
SourceSection: Recommendations for use
If you require the fuel delivery or out of charge service more than once during the period of insurance, a fee of €40.00 will be charged as cost of the service. This also applies to the locksmith service.
Vehicle weight limit
Policy only covers vehicles with a weight less than 3,500 kg
SourceSection: Requirements & Restrictions
The policy only covers vehicles that have a weight less than 3,500 kg and observe legislation.
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
SourceSection: Recommendations for use
If you require the fuel delivery or out of charge service more than once during the period of insurance, a fee of €40.00 will be charged as cost of the service. This also applies to the locksmith service.
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.
SourcePage 7Section: Section 3 - Loss of or Damage to Your Vehicle
we will replace your vehicle with a new vehicle of the same make, model and specification if immediately available in Malta. If a vehicle of the same make, model and specification is not immediately available in Malta or if your vehicle was not purchased in Malta, the most we will pay is the reasonable market value of your vehicle in Malta at the time of loss or damage.
Sources
- mapfre.com.mthttps://www.mapfre.com.mt/individuals/electric-vehicle-insurance/(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/EVP-V2.0-011224-Electric-Vehicle-Insurance-Policy-1.pdf#page=10(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/EVP-V2.0-011224-Electric-Vehicle-Insurance-Policy-1.pdf#page=11(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/EVP-V2.0-011224-Electric-Vehicle-Insurance-Policy-1.pdf#page=12(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/EVP-V2.0-011224-Electric-Vehicle-Insurance-Policy-1.pdf#page=13(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/EVP-V2.0-011224-Electric-Vehicle-Insurance-Policy-1.pdf#page=15(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/EVP-V2.0-011224-Electric-Vehicle-Insurance-Policy-1.pdf#page=7(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/EVP-V2.0-011224-Electric-Vehicle-Insurance-Policy-1.pdf#page=8(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/EVP-V2.0-011224-Electric-Vehicle-Insurance-Policy-1.pdf#page=9(opens in a new tab)
- mapfre.com.mthttps://www.mapfre.com.mt/media/electric-vehicle-insurance-product-information-document-010721.pdf#page=2(opens in a new tab)
MAPFRE Middlesea Casco (own-damage car insurance)