Understand what’s covered, what’s optional, and how to reduce your liability when renting a car in Malta.
🛡️ Quick Overview
Every car rental in Malta includes at least third-party liability insurance. Many also offer Collision Damage Waiver (CDW) and optional cover upgrades to minimize your excess and give peace of mind.
Understanding Rental Insurance in Malta
Insurance levels differ by provider, but all rentals must include basic liability cover. You can often add protection to lower or eliminate your excess. It’s important to review the terms before signing the agreement to know what’s covered and what’s not.
Third-Party Liability
Covers damages or injury to others caused by your rental car. This is mandatory in Malta and always included.
Comprehensive Insurance
Protects against damage to your rental car, even if you’re at fault. Usually includes an excess that you’re responsible for paying.
Excess (Deductible)
The excess is your share of any repair cost — typically €350–€1,000+. You can reduce or waive it by adding extra cover at booking or pickup.
Optional Coverage Add-Ons
For extra peace of mind, you can enhance your protection with these common options:
Collision Damage Waiver (CDW)
Reduces your liability for damage to the car. Excludes tires, glass, and the undercarriage unless noted otherwise.
Super CDW / Full Damage Waiver
Extends protection to typically excluded parts like tires, windows, underbody, and may fully remove your excess.
Personal Accident Insurance (PAI)
Offers medical coverage for the driver and passengers in the event of an accident.
Excess Reimbursement Insurance
Reimburses the amount you’d otherwise lose to the excess in case of damage or theft.
Common Exclusions to Watch For
Even with coverage, some situations are typically excluded. Always read your rental agreement carefully.
🚫 Negligence or Off-Road Use
Insurance doesn’t apply if damage occurs while driving off-road or violating rental terms.
🪟 Glass & Tires
Often excluded from standard CDW unless you add a special “Windscreen & Tire Protection.”
🔑 Lost Keys or Fuel Errors
Loss of keys, misfuelling, or wrong fuel type are charged separately and not covered.
🚗 Underbody Damage
Scrapes or impact underneath the vehicle usually aren’t covered unless you purchase Full Damage Waiver.
Tips for Managing Your Coverage
Inspect the Car
Photograph any scratches or dents before driving off to avoid disputes later.
Ask for a Breakdown
Request a summary of what’s covered under CDW or excess waiver before signing your rental agreement.
Balance Cost and Risk
Paying extra for extended coverage can save hundreds in case of damage or loss.
FAQ: Insurance & Coverage in Malta
Is insurance included in my rental?
Yes — all Malta rentals include at least third-party liability. CDW and theft protection may already be built into your quote.
Can I refuse additional insurance?
Yes, but you’ll be liable for the full excess if damage occurs. Consider excess insurance if you want cheaper protection.
Do I need insurance for passengers?
Personal Accident Insurance (PAI) is optional but recommended for extra coverage.
Need Help Understanding Coverage?
Our team can explain what each insurance type means and help you compare offers.
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