What Is A Certificate Of Motor Insurance?

A Certificate of Motor Insurance is a document that acts as proof that your vehicle has Motor Third Party Liability insurance as required by law.  

It will show your details, information about the vehicle and  the policy and will indicate who can drive the vehicle and what type of use (personal or commercial) is covered by the policy.

As a result, having a current copy of your motor insurance certificate is essential to your ability to drive safely, provide proof of insurance purchase and to protect yourself if you have an accident or your vehicle is damaged.

If you’re thinking: what is motor insurance, this is a good time to discover how it works. Put simply, motor insurance is the policy you pay for that provides your car with protection if something untoward happens.

Contents

•  What is a certificate of motor insurance?
•  Do I need a motor insurance certificate?
•  How important is my motor insurance certificate if I have an accident?
•  Gain the right motor insurance with GasanMamo.

What is a certificate of motor insurance?

How does motor insurance work? A certificate of motor insurance is a document that proves your car is currently insured and is evidence that you can legally drive your car on public roads. Almost like a passport for your car, your motor insurance certificate is confirmation that you are insured to drive it legally.

Your official motor insurance certificate should include:

• Your name and address as policyholder. 
• The registration number and other details of your car.
• The type of insurance cover you hold: third-party insurance, comprehensive, third-party fire and theft, etc.
• The start and end date of your motor insurance policy.
• The names of any additional drivers you have on your policy.
• For what purposes you can use your vehicle

Keeping your certificate of motor insurance in a safe place is essential if something unexpected occurs and you need to quickly find motor insurance information, such as your policy provider’s contact details. Additionally, you may have a digital version sent by email or on a phone app.

How important is my motor insurance certificate if I have an accident?

Your motor insurance certificate is an essential document if you have an accident. There are three areas in which this policy will help you if an event or accident happens to you:

Evidence of Insurance

The police or a LESA officer may need to see your motor insurance certificate if you’ve been involved in an accident, particularly if someone has been injured. If you can’t produce it at the time, the police will arrange a suitable time for you to share this information.

Involved parties

Other people involved in the same accident or event will need to see your motor insurance information to make sure you’re covered so that they can make a claim against your insurer if you’re liable for any damage or injury caused.

Likewise, if another party is responsible, it’s vital that you obtain their motor insurance details to make sure their insurer can cover any damage to your vehicle.

The law requires that parties involved in an accident exchange their insurance information.

Insurance company

Even if something minor happens, it’s seen as sensible to let your motor insurance provider know as soon as possible. The more information they have, the more transparent  they  can  be about the insurance cover they provide for you and your vehicle.

Find the right motor insurance with GasanMamo

We listen to your motor insurance needs and provide you with the best motor insurance to suit you and your vehicle. We offer  three types of motor insurance cover:

Third Party Only

This cover is the minimum required by law. It covers your liability to other people for injury or damage to property arising from the use of your car.

Third Party Fire & Theft

In addition to the third-party liability cover, you can protect your car against loss or damage caused by fire, explosion or from theft.

Comprehensive 

If you choose this cover, you are also protecting your car against many types of accidental damage and loss or damage to personal effects carried in the car as well as other benefits such as the cost to hire a replacement car.

Gasanmamo provides knowledgeable specialists and additional benefits ranging from discounts for multiple vehicles to free roadside assistance, making us Malta’s most popular car insurance provider.

Get a quote today, or  contact our team  for a chat.

GasanMamo Insurance is authorised under the Insurance Business Act and regulated by the MFSA.