If you are travelling with your vehicle abroad, check your motor insurance well ahead of your travel date. You will need to contact us to let us know that you are taking motoring abroad, so that you can continue benefitting from the same level of cover you have in Malta. We will also be able to advise you on any documents you may need to take with you and on how you can benefit from roadside assistance cover while abroad.
Minimum Third Party Cover
Maltese motor insurance policies provide the minimum third-party liability cover required by law in all EU member states, plus the UK, Switzerland, Croatia, Norway, Iceland & Liechtenstein. This means you can travel to these countries without the need for an International Certificate of Insurance (“Green Card”) and without paying an additional premium. If you are travelling with your vehicle to a country that is not mentioned above, a “Green Card” is mandatory otherwise, you will not be allowed to enter that country. You need to contact us at least a week before your departure so that the necessary arrangements can be made. In this case you will need to pay an additional premium so that you can be protected by Third Party liability cover that is compulsory by law in that country. The premium will depend on the duration of your journey and the countries you will be visiting.
Private Car Policies
If you have a private car policy and you are travelling with your car to a country within the EU, you will benefit from the same level of own damage cover that you have in Malta for up to a maximum of 30 days in any one period of insurance. You are however required to inform us prior to departing as we will need to issue a confirmation of cover before this becomes effective. No additional premium is payable. If you are travelling outside the EU, you will need to extend your policy cover and an additional premium is payable.
No Automatic Extension for your Own Damage cover
For all other types of policies, you will not have automatic cover for loss, theft or damage to your vehicle while motoring abroad. If you have a Comprehensive or a Third-Party Fire and Theft policy, you have the option of applying to extend the own damage cover for when you are travelling abroad. An additional premium will be charged depending on the duration of your journey and the countries you will be visiting. If you purchase this cover this will mean that you will have the same cover in the countries you will be visiting as you normally have in Malta.
Carry a Green Card!
A Green Card is not necessary when travelling to a country within the EU, or to any of the countries mentioned above, but it serves as proof of insurance which is internationally recognised, making it easier for you in the event of an accident. Should you not have a Green Card with you, make sure you are carrying your Certificate of Motor Insurance. It is necessary to carry a Green Card if you are driving in all other countries. Please note that although most European countries, and some countries bordering the Mediterranean, are members of the Green Card system, a few are not. If you are travelling to countries outside the system, you will need to buy motor third-party liability insurance at the border. Click here to view a map of the system.
Other Important Documents
Do not forget to take your valid driving licence and your vehicle registration document (“logbook”) with you. If you are driving outside the EU or the UK, you may need an International Driving Permit which you can obtain from Transport Malta. You will also need a “European Accident Form” which you will need to complete if you are involved in an accident and which we can provide upon request. We also recommend you read the document available here that provides some useful advice on driving abroad. The GoingAbroad app for your phone provided by the European Union offers very useful information about motoring abroad in an accessible manner.
If your car breaks down or is unable to be driven, you can make use of the roadside assistance service provided by our partners hlpy. The service is available when driving in any EU member state and their technicians will attempt to either repair your vehicle on-site or else to tow it to the nearest approved repair facility. It is granted automatically with the 30-day overseas cover granted under the Comprehensive Private Car policy. If you have any other type of policy, you can purchase the Roadside Assistance Cover from us. For instructions on how to use the service and the terms and conditions applicable, please click here. Please remember that if you request the service and you do not have the cover you will be charged by hlpy.
If you are involved in an accident while motoring abroad
If you are involved in an accident you will need to inform the police if there were any persons who suffered an injury. It is important to take down the details of any third-party vehicles and drivers and of the police, as we will need to obtain a copy of the report. In less serious accidents you can make use of the European Accident Form, which is a form similar to the Front-to-Rear form used in Malta. We can provide you with a copy of this form upon request. We also suggest that you record details of the accident and report them to us using the GasanMamo Claim Easy app on your smartphone.
If you need assistance, please call us on +356 2134 5130 (office hours), alternatively you may contact our claims representative in that country. A list of Claims Representatives for GasanMamo abroad can be found here.