GasanMamo
GasanMamo is a motor third-party liability insurance for the MT market with online purchase and limited assistance availability.
Direct payment
GasanMamo pays repairers directly for authorised repairs under comprehensive cover; for third-party bodily injury and property damage claims the insurer settles with claimants directly; third parties may contact the insurer directly as allowed by Maltese legislation.
Geographic scope
MT
Malta (primary); minimum compulsory cover automatically extended to all EU member states plus Norway, Liechtenstein, Iceland, United Kingdom, Switzerland, Andorra, San Marino, Vatican City, Monaco, Serbia, Bosnia Herzegovina and Montenegro; extension to third countries available on request with Green Card at additional premium
Unique selling points
- Malta's most popular car insurer with bodily injury liability limits of €6,450,000 — significantly above the EU minimum — included as standard on all policy levels.
- No excess on own-damage claims for drivers aged 25 and over, with an 'uninsured driver promise' guaranteeing NCD protection and excess refund when hit by an uninsured, not-at-fault driver.
- Comprehensive policies include 24-hour roadside assistance and free NCD protection from the 5th claims-free year, plus automatic EU cover for up to 30 days at no extra premium.
- Dedicated 'Claim Easy' smartphone app and online claims portal enable instant accident reporting with real-time updates and direct repairer payment.
- Built-in electric vehicle cover includes accidental damage to charging cables and wall boxes up to €650, consequential drive-battery damage up to €20,000, and battery decontamination on total loss — all at no extra premium on Comprehensive.
Coverage limits
Bodily Injury Liability
Covered
Death or bodily injury to third parties up to €6,450,000 per claim or series of claims arising from any one event, or any higher limit imposed by Maltese legislation. Cover guaranteed in each designated state at the minimum required by local law or Maltese law, whichever is higher. Includes liability of authorised drivers and passengers getting in or out of the car.
Property Damage Liability
Covered
Damage to third-party property up to €1,300,000 per claim or series of claims arising from any one event, or any higher limit imposed by Maltese legislation. Cover guaranteed in each designated state at the minimum required by local law or Maltese law, whichever is higher.
Motor Legal Expenses
Conditional
Legal costs and expenses up to €1,000 per incident and in total per period of insurance to help claim against the person responsible for an accident that is not the insured's fault. Covers recovery of uninsured losses including replacement car hire, loss of earnings and personal injury compensation. Applicable on Third Party Only policies only if Roadside Assistance is purchased; included on Comprehensive and Third Party Fire & Theft. Legal representation at inquests also covered under Section 2. For Third Party Only policies the motor legal expenses limit is €250 under Section 12E.
Green Card / International Certificate of Insurance
Optional
A Green Card is not required for travel within designated states (EU plus Norway, Liechtenstein, Iceland, UK, Switzerland, Andorra, San Marino, Vatican City, Monaco, Serbia, Bosnia Herzegovina, Montenegro) as the certificate of motor insurance provides sufficient proof. A Green Card is issued on request at additional premium for travel to third countries (non-designated states). Contact required at least two weeks before departure for third-country travel.
Roadside Assistance
Conditional
24-hour roadside assistance cover included as standard (free) on Comprehensive policies (Section 10A). Available at additional premium on Third Party Fire & Theft (Section 11A) and Third Party Only (Section 12A) policies. Roadside assistance while abroad in any designated state covered up to €1,000 per period for Comprehensive; up to €1,000 at additional cost for Third Party Fire & Theft and Third Party Only. Domestic roadside assistance (Section 10A) covers mechanical or electrical breakdown; terms and conditions available on insurer website.
Personal Accident Benefit (Driver/Policyholder)
Conditional
Pays €8,000 to the policyholder and/or spouse (or specified substitute and spouse) if accidental bodily injury in connection with the car or while in any other private car results within three months in death, loss of limb, or permanent total loss of sight. Maximum €8,000 per person per accident; aggregate limit €16,000 per period of insurance. Included on Comprehensive (Section 3); optional at additional premium on Third Party Fire & Theft (Section 11C) and Third Party Only (Section 12C) when Roadside Assistance is purchased. Not applicable to persons aged 70 or over, or under influence of alcohol/drugs, or suicide.
Personal Accident Benefit (Passengers)
Conditional
The personal accident section covers the policyholder, spouse, and specified substitute (and their spouses) while travelling in or getting into/out of the insured car or any other private car. Third-party liability for passenger injury is covered under Section 2. Maximum per person per accident €8,000; aggregate per period €16,000. Included on Comprehensive; optional on Third Party Fire & Theft and Third Party Only when Roadside Assistance is purchased. Not applicable to persons aged 70 or over, under influence of alcohol/drugs, or suicide.
Key conditions
territorial_scope
Primary cover applies in Malta (Republic of Malta including any recognised sea passage). Minimum compulsory third-party liability cover automatically extends to all designated states (EU member states, Norway, Liechtenstein, Iceland, United Kingdom, Switzerland, Andorra, San Marino, Vatican City, Monaco, Serbia, Bosnia Herzegovina and Montenegro) at the level required by local law or Maltese law, whichever is higher. Comprehensive own-damage cover extends to designated states for up to 30 days per period of insurance upon one working day's prior notice. Cover applies during sea transit by recognised ferry between ports within territorial limits for up to 65 hours. Extension to third countries available on request with Green Card at additional premium (contact required at least two weeks before departure).
green_card_rules
A Green Card is not required for travel within designated states; the certificate of motor insurance provides sufficient evidence of compulsory cover compliance. For travel to third countries (non-designated states), a Green Card must be requested at least two weeks before departure and an additional premium is payable. GasanMamo will prepare the necessary documentation upon request.
driver_restrictions
Authorised/permitted drivers are defined by the number code on the policy schedule: (1) policyholder only; (2) policyholder and spouse/partner; (3) policyholder and any person aged 25+; (4) policyholder and any person aged 21+; (5) policyholder and any person; (6) policyholder and any employee. All drivers must hold a valid driving licence for the vehicle category; licences expired more than 60 days before the accident, suspended, withdrawn or under disqualification are excluded. Age-related excesses apply for drivers under 25. For use abroad, authorised drivers are restricted to the policyholder and any other person named and accepted by the insurer. Policy does not cover use for hire or reward (except non-profit car-sharing).
claim_notification_deadline
Claims must be notified as soon as reasonably possible after any accident, injury, loss or damage. For motor legal expenses (Section 9), incidents must be reported within 90 days of discovery. For prosecution or legal proceedings, notification must be immediate and in writing. In the event of theft or criminal act, the police must be notified immediately.
bonus_malus_rules
No Claim Discount (NCD) increases on each claim-free renewal per insurer's scale. A claim causes NCD reduction (step-back by two years for Comprehensive and Third Party Fire & Theft; full loss for Third Party Only unless driver has 65% NCD). Free protected NCD applies automatically from the 5th+ consecutive claims-free year for drivers aged 25 and over (Comprehensive and Third Party Fire & Theft only). Optional purchased NCD protection available from the 3rd year on the scale for drivers aged 25+ on Comprehensive and Third Party Fire & Theft at additional premium. Uninsured driver promise: if damaged by an uninsured, traceable driver who is not at fault, no NCD loss and excess refunded. Payments under personal accident (Section 3) and glass claims do not affect NCD.
Policy specifics
Replacement Vehicle Hire
Compensation for hiring a replacement vehicle while car is being repaired after accident; maximum amount payable per period varies
Protected No Claims Discount
No claims discount remains protected at current level if only one claim made by driver aged 25+; free protection applies from 5th+ claims-free year
Personal Accident Benefit
Personal accident cover up to €8,000 per person with aggregate limit of €16,000 per period; covers injury to driver/passengers
Accidental Damage Cover
Optional cover for accidental damage to vehicle; subject to specified excess and coverage limits
Breakage of Glass
Optional cover for glass breakage/repair; up to €1,000 for glass repair under comprehensive cover
Vehicle Registration in Malta
Motor policy is intended for vehicles registered and predominantly used in Malta; cannot cover vehicles not registered in Malta
Territorial Limits
Standard cover applies within Malta; EU driving with comprehensive policy includes 30 days per year at no extra cost; third-party cover mandatory in all EU states
Vehicle Garaged at Night
Vehicle must be garaged at night in a self-contained building of brick, stone or concrete construction with access restricted to household members
Minimum Driver Age
Different excess and coverage terms apply based on driver age; enhanced excess for drivers under 25; specialized Boosh policy for ages 18-24
No Hire or Reward Use
Policy shall not cover use for hire or reward; car-sharing for social/similar purposes accepted if no commercial consideration received
Material Facts Disclosure
All material facts must be disclosed in proposal form; failure to disclose could invalidate policy; includes driver age/experience and any offences