Malta has one of the highest levels of vehicle ownership per capita, which, coupled with the size of our islands, makes our roads so densely populated with cars. When you add to this the sheer disregard to traffic regulations shown by many and the high expense involved in repairing a car, it only makes it sensible to insure one's motor vehicle properly.

Many today are realizing that, although it is the most expensive cover, a Comprehensive policy makes most sense. We are however also listing the extent of cover provided by the Third Party Only and the Third Party Fire & Theft policies.

SCHEDULE OF BENEFITS

Benefits		Comprehensive	Third Party Fire & Theft	Third Party Only
STANDARD COVER
1	Liability for loss/damages caused to third party property and/or liability for death, bodily injury to third parties
2	Damage to your vehicle caused by fire, theft or attempted theft
3	Accidental and Malicous damage to your own vehicle
ADDITIONAL STANDARD BENEFITS
4	Personal Accident - Lm2,000 (€4,658.75) per person but subject to a maximum limit of Lm5,000 (€11,646.87) any one claim *
5	Medical Expenses up to Lm100 (€232.94) *
6	Breakage of Glass up to Lm250 (€582.34) *
7	Roadside Assistance following an accident up to a maximum of Lm50 (€116.47) any one period of insurance *	Covered under point 12 below
8	Use by Motor, Hotel or Restaurant Trade
9	Legal Assistance for uninsured losses up to Lm500 (€1,164.69)			N/A
10	Personal Belongings up to Lm150 (€349.41)			N/A
11	Emergency overnight accomodation outside Malta up to Lm100 (€349.41)			N/A
12	Entertainment Equipment up to Lm250 (€582.34)			N/A
13	Lost Keys and Locks up to Lm75 (€174.70) *			N/A
14	Courtesy (Replacement) Vehicle up to Lm150 (€349.41) *		N/A	N/A
15	Breakdown Sevice in Malta & Gozo with MTC		N/A	N/A

*claims under these benefits do not affect your no claims discount entitlement unless otherwise specified

SPECIAL DISCOUNTS

• 10% discount for One Named Driver Only driving
• 7.5% discount for Two Named Drivers Only driving
• 10% discount for More Than One Vehicle Insured
• 10% discount if you increase your compulsory excess by an extra Lm50
• 20% discount if you increase your compulsory excess by an extra Lm100
• 10% discount if you have a Home Insurance with the Company
• 10% discount if you have a Baby Bond Life Insurance
• Discounts if you are a Middlesea Insurance Shareholder (the percentage discount depends on the amount of shares you hold)
• Annual Car Towing Membership (worth Lm15) for just Lm5.75 (Free for Comprehensive Cover Policies)
• Up to 17.5% good record discount if you are entitled to maximum NCD

OPTIONAL BENEFITS

• Protection of No Claim Discount (Private Comprehensive cover only)

How much should I insure my car for?
The amount you insure your car for should reflect the current market value of your car. What your car is currently worth is not necessarily what you would like to believe - however, it is useless to insure for an amount in excess of what the true market value is. Vehicles depreciate continuously and you need to make sure that your sum insured is periodically revised.

Local insurance companies have a vehicle value guide which is revised annually , although not inflexible, it gives an indication as to what the current market value of different brands and models stands at. If you believe that your vehicle is worth far more than what is being indicated to you, you can appoint one of our approved surveyors to assess your car and to submit this valuation in writing.

Will my No Claims Discount be lost if I switch over my insurance?
No, it will not. Your No Claims Discount follows you wherever you may choose to go. Your new insurance company will however need to obtain written confirmation of the number of claims free years which you enjoyed with the previous insurer.

Can I transfer the No Claims Discount from my old car onto my new car?
Yes you can. All you need to do is to pay a pro-rata additional premium on your old car for the removal of the NCD to the new car, unless the old policy is being cancelled.

When is a No Claims Discount lost?
You will only lose all your NCD if you lodge more than one claim in a period of insurance. If you only make one claim under the policy within one year, a one year 'step-back' will apply. This means that you will not lose all of your NCD, but you will go one step back in the NCD scale in the following year. For a minimal additional premium you can protect your No Claim Discount and this will NOT be lost in the event of a claim.

Can I still lose my No Claims Discount even if the other party is at fault?
It all depends on how things go on your claim. If the other party is at fault and his insurance company admits full liability, then your NCD will not be effected, since we will obtain full recovery of what we have paid out on your claim.

If the other party does not get the full blame, that is, if you are also partly at fault, then your policy with us will have to operate and you will therefore have to pay the excess and your NCD will be effected.

It may be the case that, although you believe that you are not at fault, we would need to go to court to determine who is at fault - until such time as the courts decide, you will forfeit the excess and the NCD will be effected. If and when the courts decide in your favour, you are entitled to a full reimbursement of the excess and the amount of NCD which you would have lost in the meantime.

ROADSIDE 24 HOUR ASSISTANCE MEMBERSHIP

Benefit from a 24-hour breakdown service at a reduced cost of Lm5.75. Whatever the problem just give them a call and one of their mechanics will be on his way in a matter of minutes - day or night, all year round, throughout Malta and Gozo. This benefit is free for Private Comprehensive Policy Holders.

A Specimen policy wording is available on request.

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