In most cases, no — basic car rental insurance in Malta doesn’t include the windscreen, tires, or undercarriage. These parts are easy to damage and expensive to fix, so rental companies keep them outside the standard package.
If you want to be covered for them, you’ll need an add-on like WGT insurance (Wheels, Glass, Tires) or an upgraded Collision Damage Waiver.
That said, don’t let that put you off renting a car here. Driving is still the best way to explore Malta — from hidden beaches and cliffside cafés to quiet villages you’d never reach by bus.
The roads are fine once you get used to them; you just need to be aware of what your insurance actually covers. A quick chat with your rental agent before setting off can save you surprises later, and gives you peace of mind while you’re out enjoying the island.
Windscreen Damage
Windscreen cracks and chips aren’t usually covered under basic rental insurance in Malta. Even a tiny pebble from another car can leave a mark, and without extra protection, the cost is on you. Most rental companies offer glass or WGT insurance, which covers the windscreen and windows for a small daily fee.
If you’re planning to explore Gozo or drive along Malta’s open roads, this add-on is worth it. Windscreens are pricey to replace, and Malta’s mix of city driving and coastal roads can make them more vulnerable than you’d think. Just ask your rental agent what’s included—some companies bundle glass protection with their “full coverage,” while others don’t.
Tire and Wheel Damage
Tire and wheel damage is another common exclusion from basic insurance. Things like punctures, blowouts, or scratches from tight parking spots are considered the driver’s responsibility. That’s where WGT coverage earns its keep—it protects your tires and wheels from everyday mishaps.
Driving around Malta is a joy, but it has its moments. Curbs in old towns like Valletta can be unforgiving, and some back roads have rough patches. A little caution goes a long way—avoid hugging curbs, keep an eye out for sharp edges, and check your tire pressure before heading out. It’s all about smart driving, not worrying.
Undercarriage Damage
The undercarriage is rarely covered under a basic policy. If you scrape the bottom of the car on a steep driveway or hit an unexpected bump, repairs can be costly. Some companies offer Super CDW or Full Protection plans that include this coverage, but always double-check the fine print.
That said, you don’t need to stress about it, just drive with a bit of local common sense. Take it slow on steep roads or uneven driveways, and you’ll be fine. Locals do it every day without issue. The goal isn’t to scare you, it’s just to make sure you know what’s what before you head off to that hidden beach or country viewpoint.
Optional Add-Ons Worth Considering
| Add-On Type | What It Covers | When It Helps Most |
|---|---|---|
| WGT Insurance | Wheels, Glass, Tires | For everyday driving or longer island trips |
| CDW Upgrade | Lowers or removes excess | Great for peace of mind on unfamiliar roads |
| Super CDW / Full Protection | May include undercarriage | Ideal for extended stays or rural drives |
Each company in Malta defines “full coverage” differently, so always ask what’s included before you sign. Spending a few extra euros on the right protection often makes your trip smoother—and keeps the focus where it should be: enjoying the island, not worrying about small dents.
Reducing or Avoiding Costs
A few simple habits can save you money and keep things easy at drop-off.
- Take a quick video or a few photos of the car before leaving the lot, just to have proof of its condition.
- Go slow over steep driveways and uneven roads—especially near beaches or countryside areas.
- When parking, avoid curbs (Malta’s limestone ones are sharper than they look).
- If you spot a warning light or flat tire, call the rental company right away—don’t try to fix it yourself unless they say so.
In Summary
Basic car rental insurance in Malta doesn’t cover damage to the windscreen, tires, or undercarriage. To be protected, you’ll need to add optional coverage like WGT or an upgraded CDW plan. Each rental company’s policy is a little different, so it’s worth double-checking before you hit the road.
Driving in Malta is still the best way to see the islands—freedom to stop wherever you like, from the Blue Grotto to Mdina’s quiet streets. Just make sure you’ve got the right coverage, then enjoy the ride.
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FAQs
1. Does full insurance in Malta include windscreen or tire damage?
Not always. “Full” coverage can sound complete, but many plans exclude glass, tires, and the undercarriage unless you add WGT insurance or a similar protection.
2. What happens if I damage the undercarriage?
You’ll likely have to pay for repairs unless you’ve purchased Super CDW or full protection that clearly includes undercarriage coverage.
3. Can I add extra protection after I’ve rented the car?
Most companies require you to choose add-ons when you sign the agreement. Once you drive off, you usually can’t add them.
4. Are credit card insurances valid in Malta?
Sometimes, yes—but check carefully. Many card policies exclude tires, glass, and undercarriage damage, so don’t rely on them without reading the terms.
5. Is car rental insurance mandatory in Malta?
Basic third-party insurance is required by law. Add-ons like WGT or CDW are optional, but they’re strongly recommended if you plan to explore beyond the main roads.
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