Electric vehicle insurance: what Maltese drivers should know

The growth of electric vehicles in Malta has become more noticeable over recent years. In Q2 2025, electric and plug-in hybrid vehicles accounted for 4.3% of all registered vehicles, with a total of 13,089 on the road.

Malta is perceived to be ideal for electric vehicles as it has a relatively small area to travel in, with limited driving distances. Factor in short daily commuting journeys, and it’s easy to see why electric vehicles are becoming more popular in places like Malta.

Access to charging stations is important for electric vehicle drivers, and the compact nature of Malta lends itself to more direct access to charging infrastructure. Recent statistics reveal that there are likely to be around 1,572 charging stations around Malta and Gozo. 

In this article, we explore electric vehicle insurance: what Maltese drivers should know and how to discover the most suitable electric vehicle insurance policy for your needs.

Contents

• Do electric vehicles need specialised insurance?
• What does electric vehicle insurance cover?
• Electric vehicle insurance: what Maltese drivers should know
• Discover your ideal electric vehicle insurance with GasanMamo. 

Do electric vehicles need specialised insurance?

If you have or are thinking about getting an electric vehicle, you may not have looked into the details of potential insurance options. While a standard motor policy is totally suitable to cover an electric vehicle there are some specific features of electric vehicles that would benefit from more specific wording in the policy.

When you purchase an electric vehicle, you’ll notice the different physical set-up inside the vehicle. Not only that, but electric vehicles run on new technologies that don’t necessarily align with a traditional petrol or diesel car. 

You should therefore ensure that the motor policy clearly protects you against specific risks that relate to electric vehicles.

What does electric vehicle insurance cover?

An effective electric vehicle insurance policy should cover the regular elements that you would expect to find with a traditional motor insurance policy, such as cover for third-party injury or property damage.

A notable point is that insurance is a legal requirement when you’re driving on public roads, so it’s essential to get your policy in place before you drive your vehicle, whether it’s an electric, petrol or diesel model. 

When you’re researching potential electric vehicle insurance plans, it’s good to know that a protective policy should cover certain risks particular to electric vehicles, such as:

• Accidental loss or damage to charging cables and adapters.
• Loss or damage caused by an electrical overload due to lightning.
• The cost of disposing of the battery if the vehicle is declared a write-off following an accident.

Electric vehicle insurance: what Maltese drivers should know

With a positive outlook for Maltese electric vehicle drivers, there’s never been a better time to invest in an electric vehicle to get around the islands. One useful tip is to think about the type of insurance you need for your vehicle. Typically, there are three main options. All are designed to provide the best protection for all private cars, including electric vehicles.

1. Third-party only

Third-party only electric vehicle insurance is the basic legal requirement for driving on public roads. In summary, it covers damage to other people’s property, and compensation for other people’s death and bodily injury, if you are at fault. 

GasanMamo’s electric vehicle third-party only insurance also provides cover when driving abroad. This is the necessary cover to comply with the laws of compulsory insurance while you are driving in most countries in Europe. 

2. Third-party fire and theft

Third-party fire and theft motor insurance should cover all of the features cited in a third-party only insurance policy, plus new aspects such as:

• Loss of or damage to your car, including accessories and spare parts relating to your car, following fire or theft.
• Removal and protection with the right insurer paying an agreed amount to recover your car and take it to the nearest suitable repairer. With GasanMamo, this is currently €350.

3. Comprehensive

An effective, comprehensive electric vehicle insurance policy generally should provide everything from third-party only to third-party fire and theft, with additional features. GasanMamo’s comprehensive vehicle insurance offers the following key points:

• Accidental damage cover for your car. 
• New car concession where your new car is either written off or stolen and not recovered within 12 months from purchase. In these cases, professional insurance providers, such as GasanMamo, will replace it with a new car of the same make, model and specification.
• Uninsured driver promise. If you’re hit by an uninsured driver and it was not your fault, you won’t lose your no claim discount and we will refund your excess. 
• Personal accident up to €8000. 
• Breakage of glass. We will pay up to €1000 to repair or replace the glass in your car.

Discover your ideal electric vehicle insurance with GasanMamo

Being Malta’s experienced and knowledgeable vehicle insurance specialists means you have access to a wealth of advantages. We listen to your vehicle insurance needs and provide you with tailored guidance and supportive insurance policies.

If you have an electric vehicle, we have everything covered. To make things simple, you can insure your EV vehicle under our Private Car policy that has specific cover for EVs included. It’s all you need to obtain full cover for your electric vehicle.

If you want to find out more about our electric or hybrid vehicle insurance policy, why not get in touch for a friendly chat with our expert team? We’re always happy to help.

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