Mapfre Malta Motor third-party liability (Mtpl Third Party Only)

Roadside Assistance and Breakdown Service

Free roadside assistance and breakdown service included in all three cover levels (Third Party, Third Party Fire & Theft, Comprehensive), available across Europe, limited to a maximum of four (4) breakdown services per policy period across all covers.

Section: What is insured? > Extensions of cover applicable to Comprehensive, Third Party Fire & Theft, Third Party Only policies

Free Roadside Assistance and Breakdown service limited to a maximum of four (4) breakdown services per policy period across all covers.

Gross Vehicle Weight Limit

The policy only covers vehicles that have a weight less than 3,500 kg and observe legislation.

Section: Requirements & Restrictions

The policy only covers vehicles that have a weight less than 3,500 kg and observe legislation.

Permitted Fuel Types

The vehicles covered have an internal combustion engine for which petrol or diesel oil is used as fuel, including those vehicles converted to LPG. Hybrid and electric vehicles are to be insured under Mapfre's more specific 'Electric Vehicle Policy'.

Section: Requirements & Restrictions

Hybrid and electric vehicles are to be insured under our more specific 'Electric Vehicle Policy'.

Medical Expenses Cover

Standard extension (applicable to all sections) providing reimbursement of medical treatment costs for bodily injury resulting from an accident involving the insured vehicle, up to €500 per injured person, provided cover is not granted under another motor insurance policy.

Section: What is insured?

Medical Expenses cover up to a limit of €500 for each injured person;

New Vehicle Replacement Benefit

Available only under Comprehensive cover. If a vehicle purchased new in Malta within 12 months is stolen (not recovered) or repair costs exceed 60% of current new list price (including VAT), the insurer will replace it with a new vehicle of the same make, model and specification if available in Malta; otherwise the insurer pays market value at time of loss.

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

Uninsured Driver Protection

If the vehicle is damaged in an accident by an uninsured driver who was at fault, the policyholder will not lose their No Claims Discount and excess costs will be refunded.

Section: Section 3 - Loss of or Damage to Your Vehicle > Third Party Uninsured driver promise

If your vehicle is damaged in an accident where the driver of the responsible vehicle is not insured, you will not lose your no claim discount and we will refund the cost of any excess you have had to pay.

Personal Accident Cover

Standard extension applicable to all cover levels, providing benefits for death, total loss of sight, or total loss of limb, up to €10,000 per person and €30,000 in any one period of insurance.

Section: What is insured?

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

Use Outside Malta Coverage

Third party liability automatically covers designated states (as defined under Cap. 104). Cover for loss/damage to own vehicle outside Malta requires additional premium. A Green Card is required for travel outside the Designated States.

Section: Section 5 - Use Outside Malta

Section 1 (Liability to Others) of this Policy provides the minimum cover you need by law for your vehicle when using it in any designated state.

Three Cover Levels

Motor insurance available in three distinct cover levels: Third Party Only (compulsory minimum), Third Party Fire & Theft, and Comprehensive.

Section: General Conditions

With this insurance you can choose between 3 levels of coverage for your vehicle: (1) Third Party Only; (2) Third Party, Fire &Theft Damage; (3) Comprehensive cover.

Vehicle Registration in Malta

Extension of cover under Section 1 while using the vehicle in a designated state applies provided the vehicle is registered in Malta within 30 days from the date of its purchase. The policy is intended for vehicles registered and based in Malta.

Section: Section 5 - Use Outside Malta

This cover will apply provided that your vehicle is registered in Malta within 30 days from the date of its purchase.

No Claims Discount

Discount applied when no claim is made during the policy period; increased on renewal. Reduced if a claim is made during the period.

Section: Definitions

If no claim is made under your Policy, we will increase your no claim discount when you renew your Policy in line with the scale we apply at that time.

Policy Excess

Excess is the first amount the policyholder must pay themselves when making a claim.

Section: Steps to claim > Step 3. Policy Excess Payment

Your motor policy usually carries an excess, which is the first amount you are liable to pay to enable us to process your claim.

Policy Cancellation Terms

The policyholder may cancel by returning the Certificate of Motor Insurance, or by presenting evidence that the vehicle has been transferred, re-insured, garaged, scrapped or exported. Refund is calculated from the date the certificate is received, subject to no claims in the current period.

Section: General Conditions > 6. Cancellation

We may cancel this Policy by sending you a registered letter giving you 7 days' notice to your last known address. ... Provided no claim or loss has arisen in the current period of insurance, we will return part of the premium after applying our cancellation rates

Duty of Disclosure and Utmost Good Faith

The policyholder must provide complete and accurate answers to all questions when applying, renewing, or making changes to the policy, and must disclose all material facts and inform the insurer immediately of any changes.

Section: General Conditions > 1. Information Given to Us

We will provide cover under this Policy only if the material facts you gave us when applying for insurance or when making a claim, either by speaking to us or in any document, is true as far as you know.

Claim Notification Requirements

The policyholder or legal representative must give notice as soon as reasonably possible, but in no case later than 20 days, of any accident, injury, loss or damage, and send all information in their possession without delay.

Section: General Conditions > 3. Claims - Your Duties

give us notice as soon as reasonably possible but in no case not later than 20 days, of any accident, injury, loss or damage and send to us every letter or other information in your possession without delay

Valid Driving Licence Requirement

Authorised drivers must hold a valid and appropriate driving licence issued by the competent authorities (treated as valid if no more than 60 days have passed since expiry).

Section: Definitions

Valid and Appropriate Licence means a driving licence issued by the competent authorities which a. is still active; or b. 60 days have not passed since its expiry