Motor third-party liability — Malta

[1] Bodily injury liability: €6,450,000 ↩

Motor Insurance covers the third party liability required by law, including any bodily injury caused to third parties, up to a limit of €6,450,000.

Motor Insurance covers the third party liability required by law i.e. any damage caused to persons and property. Limits of liability are €6,450,000 for bodily injury and €1,300,000 for property damage.

[2] Property damage liability: €1,300,000 ↩

Motor Insurance covers the third party liability required by law for damage caused to third party property, up to a limit of €1,300,000.

Motor Insurance covers the third party liability required by law i.e. any damage caused to persons and property. Limits of liability are €6,450,000 for bodily injury and €1,300,000 for property damage.

[3] Legal defence: €1,000 ↩

Free Legal Assistance for uninsured losses up to €1,000 is included for all private cars; recovery of uninsured losses only applies if it is likely the claim against the responsible party will succeed.

Legal Assistance for uninsured losses up to €1,000;

[4] Green card: Conditional ↩

Third party liability cover is automatic while driving in the EEA, UK, Switzerland, Andorra and San Marino. A green card is required to drive in countries outside the EU, and cover is usually not available for countries outside Europe as well as certain countries within Europe.

A green card is required to drive in countries outside the EU. Cover is usually not available for countries outside Europe as well as certain countries in Europe.

[5] Passenger accident: Excluded ↩

Personal Accident and medical expenses cover for passengers is provided as additional free cover only under private comprehensive policies; it is not included in the Third Party Only cover level.

Personal Accident and medical expenses to passengers;

[6] Bodily injury liability: Covered ↩

Mandatory third party liability cover for death or bodily injury caused to third parties.

[7] Property damage liability: Covered ↩

Mandatory third party liability cover for damage to third party property.

[8] Legal defence: See details ↩

[9] Green card: Covered ↩

Third party liability cover automatically extends to all EU member states.

Your policy provides Third Party Cover for all EU member states.

[10] Passenger accident: Excluded ↩

Personal accident benefit for the insured or family is only mentioned as part of the Comprehensive policy, not the Third Party Only cover.

Our Comprehensive policy also provides cover for accidental damage to windscreens and a personal accident benefit to you or your family as a result of an accident involving your car.

[11] Bodily injury liability: €6,450,000 ↩

Legal liability for death or bodily injury to other persons up to a limit of € 6,450,000 per accident.

[12] Property damage liability: €1,300,000 ↩

Legal liability for damage to third party property up to a limit of € 1,300,000 per accident.

[13] Legal defence: €1,200 ↩

Covers legal fees and expenses up to €1,200 incurred as plaintiff to recover uninsured losses (policy excess, loss of earnings, loss of use, personal effects, death, injury or property damage) resulting from a covered motor accident, subject to conditions (e.g. accident occurred in Malta, dispute is not with Elmo). Separately, under Section 1 Third Party Liability, Elmo may at its own discretion arrange representation at inquests and pay legal defence costs for criminal proceedings arising from a covered accident. Included under all three cover levels.

We will cover You or any Authorised Driver, for legal fees and expenses, incurred as plaintiff, up to a limit of € 1,200 in the institution of legal civil proceedings to recover uninsured losses or damages suffered by You

[14] Green card: Conditional ↩

A Green Card is not necessary for cross-border travel within Designated States, as the Certificate of Motor Insurance is sufficient evidence of compliance with compulsory insurance laws. A Green Card must be purchased, at an additional premium, for travel to a country outside the EU/Designated States, with prior notification to Elmo required.

If you are travelling to a country outside of the European Union a Green Card must be purchased.

[15] Passenger accident: €250 ↩

Under Comprehensive Cover for Private Cars, pays up to €250 per person for reasonable medical expenses if the policyholder, any Authorised Driver, or a passenger is injured as a result of an accident involving the private car.

We will pay up to € 250 per person for any reasonable medical expenses paid if You, any Authorised Drivers or passenger in Your Private Car are injured as a result of any accident involving Your Private Car.

[16] Bodily injury liability: €6,450,000 ↩

Covers sums the policyholder is legally liable to pay for death or bodily injury to other persons, up to €6,450,000 (or any higher limit imposed by legislation) for any one claim or series of claims arising out of one event, involving the insured car or its loading/unloading.

death or bodily injury to other persons up to a limit of €6,450,000, or any higher limit imposed by legislation, for any one claim or series of claims arising out of any one event as a result of any accident involving your car or the loading or unloading of your car

[17] Property damage liability: €1,300,000 ↩

Covers sums the policyholder is legally liable to pay for damage to third-party property, up to €1,300,000 (or any higher limit imposed by legislation) for any one claim or series of claims arising out of one event, involving the insured car or its loading/unloading.

damage to third party property up to a limit of €1,300,000, or any higher limit imposed by legislation, for any one claim or series of claims arising out of any one event as a result of any accident involving your car or the loading or unloading of your car

[18] Legal defence: €250 ↩

The full Motor Legal Expenses section (up to €1,000 per incident/period to pursue a claim against a responsible third party) is only operative on Third Party Fire & Theft and Comprehensive policies, per the Policy Cover Index — it is NOT operative on Third Party Only. Third Party Only policyholders instead receive: (a) discretionary, uncapped legal defence/inquest representation costs under Section 2 'Your liability to others' if criminal proceedings arise from a covered accident, and (b) up to €250 of assistance/arbitration costs for recovering uninsured losses, available only as an optional additional cover (Section 12E) at extra premium.

we will, at our option, pay for the costs involved in a voluntary arbitration procedure which does not involve assistance from a legal practitioner. All other legal expenses are not covered by this section. The maximum amount payable by us under this section is €250.

[19] Green card: Covered ↩

All designated states (EU members, Norway, Liechtenstein, Iceland, UK, Switzerland, Andorra, San Marino, Vatican City, Monaco, Serbia, Bosnia & Herzegovina, Montenegro) have agreed a Green Card is not necessary for cross-border travel; the certificate of motor insurance is sufficient proof of the compulsory cover. For travel to non-designated ('third') countries, GasanMamo can extend cover and issue a Green Card at an additional premium if contacted at least two weeks in advance.

All designated states have agreed that a Green Card is not necessary for cross border travel.

[20] Passenger accident: €500 ↩

This is a medical-expenses benefit, not a death/disability benefit: if the policyholder or any other occupant of the car is injured as a direct result of an accident involving the car, GasanMamo pays medical expenses up to €500 per injured person, with no excess. On Third Party Only this is only available as an optional additional cover (Section 12D) at extra premium; it is included automatically on Comprehensive policies. There is no separate lump-sum personal-accident benefit for ordinary passengers (as opposed to the policyholder/spouse) under Third Party Only.

If you, or any other occupant of your car is injured as a direct result of your car being involved in an accident, we will pay for the medical expenses in connection with such injury up to the sum of €500 in respect of each person injured. No excess applies under this section.

[21] Bodily injury liability: €6,450,000 ↩

Covers all sums which the policyholder or any authorised driver may be required to pay by law arising from an accident caused by the insured vehicle resulting in death or bodily injury to any other person. The limit applies per accident irrespective of the number of third parties involved and is inclusive of legal costs and other expenses.

Limits of liability are €6,450,000 for bodily injury and €1,300,000 for property damage. These limits apply for each accident irrespective of the number of third parties involved.

[22] Property damage liability: €1,300,000 ↩

Covers all sums which the policyholder or any authorised driver may be required to pay by law arising from an accident caused by or in connection with the use of the insured vehicle resulting in damage to another person's property. The limit applies per accident irrespective of the number of third parties involved.

Limits of liability are €6,450,000 for bodily injury and €1,300,000 for property damage. These limits apply for each accident irrespective of the number of third parties involved.

[23] Legal defence: Covered ↩

At the insurer's option: pays legal costs and expenses incurred with prior written consent; pays for a lawyer to represent the insured at any Inquest or Fatal Accident Enquiry; pays reasonable cost of legal services to defend against a charge of manslaughter or causing death by dangerous or reckless driving. Legal costs are inclusive within the bodily injury and property damage liability limits shown in the Schedule.

arrange for and pay, if we decide there is a reasonable chance of success, the reasonable cost of legal services to defend you or any other person insured by this Policy against a charge of manslaughter or causing death by dangerous or reckless driving

[24] Green card: Optional ↩

A Green Card (international certificate of insurance issued on behalf of the Maltese local bureau) is required for travel in countries outside the EU/EEA Designated States. Section 1 (Liability to Others) automatically provides the minimum compulsory cover required in all Designated States. A Green Card must be purchased at an additional premium for cover to apply in third countries outside the Designated States.

Subject to the payment of an additional premium and the issue of a Green Card cover under this Policy is applicable for the period specified in the Green Card in respect of your vehicle while it is being used in any country outside Malta and the designated states

[25] Passenger accident: €10,000 ↩

Passengers sustaining bodily injury as a direct result of an accident involving the insured vehicle are covered under the same Personal Accident extension as the driver, up to €10,000 per injured person subject to an aggregate cap of €30,000 per period of insurance. If more than three persons are injured, the maximum limit is divided proportionately. This cover does NOT apply if the vehicle is a motorcycle, and amounts paid are deducted from any Section 1 liability payment made in respect of the same death or bodily injury.

Personal Accident cover up to a limit of €10,000 per person and €30,000 in any one period of insurance