GasanMamo Insurance Limited

Territorial scope

This policy provides the minimum liability cover required by law when using the insured car in Malta and any EU member state, as well as Switzerland, Norway, Iceland, Liechtenstein, United Kingdom, Andorra, San Marino, Vatican City, Monaco, Serbia, Bosnia and Herzegovina, and Montenegro. There is no own-damage cover under Third Party Only. The car must be registered and normally based in Malta.

Green card rules

A Green Card is not required for travel to any designated state since all of them have waived this requirement for cross-border travel; the certificate of motor insurance is sufficient proof of cover. For travel to non-designated ('third') countries, GasanMamo can extend cover and issue a Green Card at an additional premium, provided the insurer is contacted at least two weeks in advance.

Driver restrictions

Only persons meeting the 'Authorised/Permitted Drivers' definition shown on the policy schedule may drive the car (ranging from the policyholder only up to any person driving with permission). Cover is excluded if the driver does not hold a valid licence for the vehicle category in the country of the accident, if the licence expired more than 60 days before the accident, is suspended, withdrawn, or the driver is disqualified, or if the driver is over the legal alcohol limit, unfit through drink or drugs, or refuses a breath/blood/urine sample without lawful reason.

Claim notification deadline

The policyholder or legal representative must notify GasanMamo as soon as reasonably possible after any accident, injury, loss or damage, giving full details of the incident; failure to provide requested information or instructions may result in the claim being delayed or suspended.

Bonus-malus rules

For Third Party Only policies, the No Claim Discount rises with claim-free years: 20% (1 year), 35% (2 years), 50% (3 years), 65% (4+ years). After 1 claim it falls to 0% (1-2 years), 20% (3 years) or 35% (4+ years); after 2 claims it falls to 0% regardless of claim-free years. The free or purchasable 'Protected No Claim Discount' benefit is only available on Comprehensive or Third Party Fire & Theft policies, not on Third Party Only.

Third Party Liability Coverage

Covers liability to other persons for injury or damage to property arising from the use of your car. This is the minimum required by law in Malta.

Protected No Claims Discount

Free protected no claims discount on comprehensive and third-party fire and theft policies applies on the fifth and over claims-free years for drivers aged 25 years or over.

Personal Accident Benefit

Personal accident cover up to €8000 available on certain policy variants, particularly with roadside assistance extensions.

Breakage of Glass

Coverage for windscreen and glass repair or replacement up to €1000.

Geographical Coverage Area

Policy provides minimum liability cover when using vehicle in Malta and EU member states as well as Switzerland, Norway, Iceland, Liechtenstein, United Kingdom, Andorra, San Marino, Vatican City, Monaco, Serbia, Bosnia Herzegovina and Montenegro.

No Accidental Damage Cover

Third Party Only and Third Party Fire & Theft policies do not cover accidental damage to the insured vehicle. Policyholder is responsible for costs unless not at fault in accident.

Uninsured Driver Promise

If hit by an uninsured driver and it was not your fault, you will not lose your no claims discount and the insurer will refund your excess.

Loss of Value Following Repair

Loss of market value of vehicle following repair is excluded from coverage.

Excess / Deductible Variations

Excess amounts vary based on age of driver, nature of loss, and special terms on policy. Standard excess applies but can be reduced through roadside assistance extensions or other conditions.

Duty to Disclose Material Facts

Policyholder must take reasonable care to give complete and accurate answers to all questions when taking out, renewing, or making changes to policy. Failure to disclose material facts could invalidate the policy.

Claims Notification Timeframe

Policyholder must notify insurer of any incident covered by policy as soon as possible. Motor insurance claims can be reported via online claim form or GasanMamo Claim Easy app.