Elmo Motor third-party liability (Motor Insurance)

Legal Assistance

Provided for all types of cover when liability becomes an issue with third-party insurance, regardless of fault determination.

Section: Motor FAQs

We provide legal assistance for all types of cover should liability become an issue with the third-party insurance.

Windscreen Damage and Glass Cover

Up to €500 cover applicable only to private cars under comprehensive cover.

Section: Motor Insurance > Summary of Cover

Windscreen Damage and Glass Cover up to €500

Loss of Keys

Up to €750 cover applicable to private cars.

Section: Motor Insurance > Summary of Cover

Loss of Keys up to €750

Personal Belongings

Up to €300 optional additional benefit covering personal items carried in the vehicle.

Section: Section 5: Additional Benefits > Personal Belongings

This cover applies when making a Claim under Sections 2 or 3 of Your Policy.

Medical Expenses

Up to €250 per person for medical expenses; included with Comprehensive cover for private cars only, not available on Third Party Only.

Section: Section 5: Additional Benefits > Medical Expenses

This cover applies when the Motor Vehicle is covered under Section 3 of the Policy.

Personal Accident Cover

Included only with Comprehensive cover (Section 3): pays up to €5,000 to any one person following an accident, or up to €10,000 in total if more than one person is injured in the same accident; not available under Third Party Only.

Section: Section 5: Additional Benefits > Personal Accident

This cover applies when the Motor Vehicle is covered under Section 3 of the Motor Policy.

Child Car Seat

Up to €150 optional additional benefit applicable only to private cars.

Section: Motor Insurance > Summary of Cover

Child Car Seat up to €150 (Private Cars)

Green Card Requirement for Travel

Green Card must be purchased when traveling to countries outside the European Union.

Section: Where am I covered?

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

European Coverage Extension (Private Cars)

Fire, theft and own damage cover outside Malta offered at additional premium; 30 days of cover annually included for private cars without extra charge.

Section: 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.

Claims Network and Repair Approval

Claims are processed through a structured repair network. A survey is booked, order/quote for parts is placed, and parts are delivered to the supplier once available. Policyholder must book appointment with repairer and contact Elmo office for courtesy vehicle booking if required.

Section: Motor FAQs

A survey is booked and an order/quote for parts is placed. If the vehicle is repairable, parts are delivered directly to the supplier once available and the repairer will eventually contact you for an appointment. Once the appointment is given, call our office to book your courtesy vehicle if required/applicable.

Third Party Claims - Reimbursement Requirement

When insurance claim is denied by third party insurer, policyholder must repair vehicle per survey report and provide copies of all invoices including fiscal receipts to Elmo for reimbursement consideration.

Section: Motor FAQs

Once a survey is carried out by the third-party insurer, You will need to repair Your vehicle as per survey report and provide Us with copies of all invoices including fiscal receipts to enable Us to start the process.

Vehicle Security Requirements

Loss or damage from theft or attempted theft is not covered while vehicle is unlocked or windows are open.

Section: Motor Insurance > What is not insured?

Loss or damage arising from theft or attempted theft whilst your vehicle is unlocked or the windows are open.

Authorized Driver Requirement

Loss or damage while vehicle is being driven by or is in charge of any person not described in the policy schedule is not covered.

Section: Motor Insurance > 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.

Driver Death or Bodily Injury Exclusion

The driver's death or bodily injury due to a motor accident is not covered under the policy.

Section: Motor Insurance > What is not insured?

The driver’s death or bodily injury due to a motor accident.

Passenger Seating Capacity Limit

Liability cover excludes loss, damage, death, or injury if number of passengers in motor vehicle exceeds seating capacity.

Section: Motor Insurance > What is not insured?

Any liability loss, damage, death, injury, cost or expenses if at the time of accident, the number of passengers in the motor vehicle exceeds the seating capacity stipulated in the Policy Schedule.

Vehicle Roadworthiness Obligation

Policyholder must take all reasonable precautions to ensure motor vehicle is safe and roadworthy.

Section: What are my obligations?

You must take all reasonable precautions to make sure that the motor vehicle is safe and roadworthy.

Immediate Accident Notification Requirement

Policyholder must inform Elmo as soon as possible of any accident, injury, loss or damage which may give rise to a claim.

Section: 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.

Vehicle Ownership and Use Change Disclosure

Policyholder must inform Elmo if vehicle belongs to anyone else, is sold, or is being used regularly by another person.

Section: What are my obligations?

You must inform us if the vehicle belongs to anyone else or is sold or if it is being used regularly by another person.

Prohibition on Liability Admission Without Insurer Permission

Policyholder or anyone claiming indemnity must not negotiate, admit or deny liability without insurer's written permission.

Section: Motor Insurance Terms & Conditions > Procedure for the submission of claims

You or any person claiming indemnity under the policy must not negotiate, admit or deny liability without our written permission.

Compulsory Disclosure and Truthfulness Requirement

Information disclosed on proposal form and claim form must be truthful, correct, and complete to the best of policyholder's knowledge and belief. Material facts and changes must be disclosed immediately.

Section: What are my obligations?

Information disclosed on your proposal form and claim form must be truthful, to the best of your knowledge and belief, correct and complete.