For many in Malta, a car is not simply a vehicle but an integral part of everyday life. It helps you get to work on time, assists in managing family activities, carries your shopping home, allows the flexibility to join in events and provides freedom to move around without relying on public transport.
Considering how integral a vehicle may become, choosing the right car insurance policy matters more than you might think. Your premium is not just about driving in line with local regulations or picking the cheapest policy without analysing the pros and cons.
It is about the cover that policy can provide when something unexpected happens; removing any undue costs, stress and inconvenience. A common misconception is that a comprehensive car insurance policy is like a third-party fire and theft policy, with a higher price tag. Whilst it does come with additional investment, it provides a much wider level of protection that makes the premium cost-effective.
In a time when roads are much busier, traffic is unpredictable and parking is limited, accidental damage may occur both when you’re on the road as well as when your car is stationery. A comprehensive car insurance policy will make all the difference when you need it most.
MINIMISE DISRUPTION TO YOUR DAILY LIFE
Distances in Malta may be short, but your daily agenda might not allow for a diverse transport route. Should your car suddenly become unavailable, you’ll have to reschedule appointments, find alternative ways to go to work or even incur additional costs, especially if the damage to your car was unexpected or there is no way to trace the responsible party.
A comprehensive car premium gives you a stronger safety net to support your lifestyle and responsibilities, whilst treating your car not as a possession but as a way of life. Take control of your insurance needs with comprehensive coverage.
GET SUPPORT WHEN YOU NEED IT THE MOST
When an accident happens, most people need practical support. Our Claims department is ready to answer all your questions, such as “What do I do next?”, “When can repairs begin?” or “How long will the process take?”
Comprehensive policies are designed to provide complete support to help you deal with accidental damage in a way that reduces uncertainty and provides solutions for you; plus an insurance team that will guide you throughout instead of feeling like you have to solve everything by yourself.
PRACTICAL PROTECTION, NOT JUST LEGAL
Motorists undertake a big financial commitment when a car is purchased. Many finance their purchase through a loan, meaning that monthly repayments need to continue even if the car is not in a position to be used, completely damaged or stolen.
Whilst other car insurance policies provide you with legal protection to drive on the road, a comprehensive one becomes valuable as it keeps financial impact at bay, such as full coverage for costs of repair and an alternative car whilst yours is being mended.
PARKED CARS GET PROTECTED TOO
It is a big shock to return to your parked car and notice damage. Maybe a bumper was hit, a door scratched, a mirror broken and there is no note, witnesses or CCTV available to track who caused the damage.
Instead of being left with the problem to solve yourself, your comprehensive policy makes the situation easier to manage. Our team will handle all repairs promptly with less pressure on your wallet.
SUPPORT WHETHER AN ACCIDENT IS YOUR FAULT OR NOT
Following the rules and keeping safe distances make you a good driver, but even the best get involved in car accidents.
If the accident was not your fault, you do not need to wait for the other driver’s insurer to start the repair process. Use your own comprehensive policy to get your car back in tip-top shape, whilst our Claims department will manage the recovery on your behalf.
If the accident was your fault, your comprehensive policy automatically protects you and others involved in an accident. This is a key difference between the benefits of a comprehensive policy and a fire and theft one.
ADDITIONAL BENEFITS INCLUDED WITH COMPREHENSIVE
Did you know that vandalism and malicious acts are covered by a comprehensive policy? As well as a broken windscreen, other glass damage or changes to the lock in case of loss of keys.
Many motorists might not immediately think of accidents that are not prominent, but you’ll definitely enjoy the perks of having more peace of mind, whatever the situation.
The car insurance policy you choose should work for you when you need it the most. Discuss with your insurer the differences between other policies and evaluate the efficiency of having a well-rounded policy. Ask yourself how well the policy you are choosing will protect you within the routine of your day-to-day life. The right insurance helps you keep moving when the unexpected happens.
Speak to our insurance team to find out all the benefits you can make use of when opting for a comprehensive cover for your car.
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𝘛𝘩𝘪𝘴 𝘗𝘳𝘰𝘥𝘶𝘤𝘵 𝘪𝘴 𝘮𝘢𝘯𝘶𝘧𝘢𝘤𝘵𝘶𝘳𝘦𝘥 𝘣𝘺 𝘎𝘢𝘴𝘢𝘯𝘔𝘢𝘮𝘰 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘓𝘵𝘥., 𝘸𝘩𝘪𝘤𝘩 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘴 𝘵𝘩𝘦 𝘤𝘰𝘷𝘦𝘳 𝘶𝘯𝘥𝘦𝘳 𝘵𝘩𝘪𝘴 𝘱𝘰𝘭𝘪𝘤𝘺, 𝘢𝘯𝘥 𝘪𝘴 𝘥𝘪𝘴𝘵𝘳𝘪𝘣𝘶𝘵𝘦𝘥 𝘣𝘺 𝘛𝘩𝘰𝘮𝘢𝘴 𝘚𝘮𝘪𝘵𝘩 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘈𝘨𝘦𝘯𝘤𝘺 𝘓𝘵𝘥., 𝘱𝘢𝘳𝘵 𝘰𝘧 𝘵𝘩𝘦 𝘗𝘉 𝘎𝘳𝘰𝘶𝘱 𝘰𝘧 𝘊𝘰𝘮𝘱𝘢𝘯𝘪𝘦𝘴.
𝘛𝘩𝘰𝘮𝘢𝘴 𝘚𝘮𝘪𝘵𝘩 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘈𝘨𝘦𝘯𝘤𝘺 𝘓𝘵𝘥. 𝘐𝘴 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘶𝘯𝘥𝘦𝘳 𝘵𝘩𝘦 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘋𝘪𝘴𝘵𝘳𝘪𝘣𝘶𝘵𝘪𝘰𝘯 𝘈𝘤𝘵, 𝘊𝘢𝘱 487, 𝘵𝘰 𝘢𝘤𝘵 𝘢𝘴 𝘢𝘯 𝘌𝘯𝘳𝘰𝘭𝘭𝘦𝘥 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘈𝘨𝘦𝘯𝘵 𝘧𝘰𝘳 𝘎𝘢𝘴𝘢𝘯𝘔𝘢𝘮𝘰 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘓𝘵𝘥. (𝘎𝘔𝘐). 𝘎𝘔𝘐 𝘪𝘴 𝘢𝘶𝘵𝘩𝘰𝘳𝘪𝘴𝘦𝘥 𝘣𝘺 𝘵𝘩𝘦 𝘔𝘢𝘭𝘵𝘢 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘈𝘶𝘵𝘩𝘰𝘳𝘪𝘵𝘺 (𝘔𝘍𝘚𝘈) 𝘶𝘯𝘥𝘦𝘳 𝘵𝘩𝘦 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘉𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘈𝘤𝘵, 𝘊𝘢𝘱 403 𝘰𝘧 𝘵𝘩𝘦 𝘓𝘢𝘸𝘴 𝘰𝘧 𝘔𝘢𝘭𝘵𝘢. 𝘉𝘰𝘵𝘩 𝘢𝘳𝘦 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘣𝘺 𝘵𝘩𝘦 𝘔𝘍𝘚𝘈.