What is the legal minimum insurance cover required to drive on public roads?

The legal minimum insurance cover required to drive on public roads is third party only insurance. This type of insurance is designed to protect you against claims made by other drivers or pedestrians if you cause an accident resulting in injury or damage to their property. It is a crucial requirement for driving legally, as it ensures that other road users are compensated for any harm caused by your vehicle while still being a cost-effective option for drivers.

Choosing third party only cover means that while you are protected from claims from others, your own vehicle is not covered for damages or theft, which is a trade-off for complying with legal obligations. Comprehensive coverage, on the other hand, provides more extensive protection including damage to your own vehicle, but it is not legally necessary to drive. Third party fire and theft provides additional benefits, but again, it exceeds the legal minimum requirements. Basic liability is not a formally recognized category for insurance specific to driving on public roads in Malta. Thus, third party only is the minimum legal requirement that balances protection for others with affordability for the driver.