When you rent a car in Malta, insurance can feel complicated. Between acronyms like CDW, FDW, and excess charges, it’s easy to overlook the basics. But one type of coverage you don’t need to worry about adding is Third-Party Liability Insurance (TPL) — because it’s already included in every rental by law.
Still, many travelers wonder: what exactly does it cover, and is it enough protection on its own? Let’s break it down.
What Is Third-Party Liability Insurance in Malta?
Third-Party Liability Insurance is the minimum legal requirement for all cars in Malta, including rentals. It’s automatically included in the rental price, so you’re always covered.
TPL protects you if you cause:
- Injury to other people
- Damage to other people’s property or vehicles
In Malta, the standard third-party liability coverage for motor insurance is €6.45 million for bodily injury and €1.3 million for property damage per accident.
In other words, if you’re involved in a collision, the costs of injuries or damage caused to others are covered up to these limits — so you won’t be personally responsible for those expenses.
What Does Third-Party Liability Insurance Not Cover?
While third-party insurance is essential, it’s also limited. Here’s what it does not cover:
- Damage to your rental car – repairs to the car you’re driving aren’t included.
- Your personal belongings inside the vehicle.
- Breakdowns or roadside issues unless specified by the rental company.
- Any incidents caused by breaking the rental terms (e.g., reckless driving, drink-driving, or using the wrong fuel).
This is where many travelers are caught off guard. TPL only covers the “other party.” If your rental car is damaged, you could be left with a hefty bill unless you’ve added extra protection.
How to Cover Your Own Rental Car in Malta
To protect yourself against costs for your rental car, you’ll need additional coverage beyond TPL. In Malta, this usually means:
- Collision Damage Waiver (CDW): Included in most rentals but leaves you with an excess (deductible) that you must pay if damage occurs.
- Super CDW (SCDW): An optional upgrade that lowers the excess to around €100–€275 depending on car type.
- Full Damage Waiver (FDW): A higher-level upgrade that eliminates the excess entirely, so you pay nothing in case of damage.
These options shift liability from you back to the rental company, but the cost and coverage vary, so it’s important to understand exactly what’s included before you book.
Understanding Excess Liability in Malta Rentals
Even with Collision Damage Waiver (CDW) included, renters are still responsible for an excess — the deductible you pay before the insurance covers the rest. This excess can range from €350 for small cars to over €1,500 for larger or premium vehicles.
For example:
- If your excess is €750 and the damage repair costs €500, you’ll pay the full €500.
- If the damage is €3,000, you’ll only pay €750, and the insurer covers the rest.
This excess system is standard across Malta. You can reduce or eliminate it by:
- Upgrading to Super CDW (SCDW) or Full Damage Waiver (FDW) at the rental desk.
- Buying independent excess insurance, which reimburses you if you’re charged for damage.
Insurance Exclusions to Be Aware Of
Not every situation is covered, even if you purchase upgrades. Common exclusions in Malta include:
- Tires, wheels, mirrors, and windscreens
- Undercarriage and roof damage
- Lost or stolen keys
- Personal belongings inside the car
- Damages caused by negligence, such as reckless driving, drink-driving, or ignoring rental rules
Knowing these exclusions upfront helps you decide if you need extra add-on coverage for things like tires and glass.
Is Third-Party Liability Enough for Malta Car Rentals?
The short answer is no. While third-party liability is legally required and always included, it only protects other people and their property. Without CDW or another upgrade, you’re still responsible for damage to your own rental car.
For most travelers, relying on TPL alone leaves too much risk. CDW is usually included in Malta car rentals, but it’s important to confirm with your provider before booking.
At minimum, you’ll want CDW for basic protection, and ideally add Super CDW or FDW to reduce your liability even further for a truly stress-free trip.
Practical Tips for Car Rental Insurance in Malta
- Check your excess amount before confirming a booking.
- Inspect and photograph the car at pickup and drop-off.
- Ask about exclusions so you know exactly what isn’t covered.
- Consider third-party excess insurance for cheaper protection.
- Confirm coverage applies in both Malta and Gozo if you plan to take the ferry.
Final Verdict – Third-Party Liability Insurance in Malta
Third-party liability insurance is always included in Malta car rentals and protects you from claims for injury or damage caused to others. However, it does not cover your own rental car, personal belongings, or issues caused by breaking rental terms.
For peace of mind, pairing TPL with CDW, Super CDW, or FDW is the smartest choice. That way, you’re protected on all sides — and free to enjoy your holiday without worrying about hidden costs.
If you’re planning to rent a car in Malta, check out the available cars today and choose the option that best fits your trip.
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