Motor Insurance

Whether you’re looking for cover on your personal car, bike, company van or event a fleet of vehicles – our team is here to cater for your needs.

Why Choose This Plan?

  • wide
    Wide cover plans available
  • excellent
    Excellent rates and terms
  • emergency
    FREE 24/7 Breakdown assistance throughout Malta and Europe via a dedicated call centre
  • calendar7
    7 Day claims settlement promise

Description:

We give you the utmost importance, offering guaranteed settlement of all valid claims within seven working days from receipt of completed claim form and all supporting documentation.

We offer you three different levels of car insurance cover: Comprehensive, Third Party Fire and Theft and Third Party Only.

Frequently Asked Questions

What is MotorMax?

Motormax is Malta’s first usage based insurance. Motormax introduces a new concept – Pay as you Drive. The cost of your insurance is calculated based on how you drive and not based on age. The better you drive the less expensive is your insurance.

This data can only be viewed by you. We receive only aggregate data and your privacy is guaranteed!

How does the telematics device work?

A tracker is equipped with GSM and GPS technology. You vehicle whereabouts are identified through GPS and all data is sent using GSM (mobile phone networks). The location of the vehicle is only viewable through the official MotorMax app or web-portal which is only accessible to you. You can also access other vehicle data such as speed, ignition status and other vehicle parameters.

Do I have to pay for the telematics device?

No, the company pays for the device and its installation.

How is the data used?

The information is used to analyse your driving behaviour and to verify your policy details as well as whether you qualify for a discount.

How will I be able to tell if my premium is going to change?

We provide you with access to your online web portal and mobile app where you can view your MotorMax discount factor and driving reports. We will contact you at the time of renewal and give you notice of the percentage discount for which you qualify.

How can I download the app?

The app is downloadable from Google Play or from Apple App store. You can install it on your phone and log into your account to start monitoring your driving habits with ease. You also can locate your car in real time. All this for your peace of mind!

What other features are included in the app?

You can locate your car in real time. You will also receive notifications if your car has moved and also send for Middlesea Assist your current location all in a touch of button. Should your parking meter expire MotorMax app will alert you immediately! We have also thought about your safety and should you crash with your car our call centre will receive an alert and contact you immediately. At the end of each day you can monitor your average speed, total mileage and also see how many hours you have driven at night. Now isn’t that cool?

What data does the device collect?

The device collects information about when the car is used, how far it travels and its location, as well as data on your driving behaviour including speed.

What happens if I would like to change my car?

If you change your car you need to uninstall the telematics device from your old car and transfer it to your new vehicle.

Why do I need to install a telematics device in my car?

MotorMax is an insurance policy which rewards good driving behaviour. To assess your driving, we need to install a telematics device to collect various information from the vehicle such as location, when and how it is driven. It is a condition of this policy that the device is installed in your vehicle within 28 days of purchase of the policy. This is so we can start as quickly as possible to accurately measure how the vehicle is being driven.

Will I have a curfew with the policy?

No, you can drive at any time of the day or night with no curfew – however frequently driving at night time (between 0:00 and 04:59 am), will reduce your driving score.

How do I apply?

Just contact or visit our offices in Valletta, or one of our authorised intermediaries and you are on your way to get MotorMaxed! When you purchase the insurance policy you will be given an appointment for installation of the MotorMax device. Our telematics partner – HandsOn Systems, located in Qormi, carries out the installation. Click here for directions.

Table of Benefits

Third Party Only
Third Party Fire & Theft
Comprehensive

Multi-Car Discount

Home Policy Discount

Introductory Discount

Personal Accident

Medical Expenses

Breakage of Glass

Use by the Motor, Hotel or Restaurant Trade

No Claim Discount

Up to 70%

Up to 70%

Up to 65%

Free Roadside Assistance

Legal Assistance for Uninsured Losses

Personal Belongings

Emergency Overnight Accommodation outside of Malta

Entertainment Equipment

Lost Keys and Locks

30 days Own Damage cover anywhere within the EEA and Switzerland

Courtesy Vehicle

Named Drivers Only Discount

Increased Excess Discount

Full Own Damage Cover

Optional Extensions

Protection of your No Claims Discount

Earthquake Cover