Argus Insurance Company (Europe) Limited, Malta Branch
Argus
Argus is a motor casco insurance for the Malta market with no online purchase and 24/7 assistance.
Direct payment
Argus's Roadside Assistance (Tow & Go) terms state that policyholders receive 24-hour breakdown assistance throughout Malta and Gozo, delivered directly by Argus's contracted service provider. For motor claims generally, Argus states it handles all claims locally, supported by a carefully selected network of surveyors and repairers, and that comprehensive cover is designed 'to repair your vehicle faster' after a non-fault accident, indicating the insurer coordinates and settles directly with its approved repairer network rather than requiring the policyholder to pay upfront and seek reimbursement. However, the reviewed public documents do not provide an explicit, standalone clause confirming direct-to-provider payment versus reimbursement for all claim types.
Geographic scope
Il-Gżejjer Maltin u l-Unjoni Ewropea
Il-Gżejjer Maltin u kwalunkwe pajjiż membru tal-Unjoni Ewropea, kif ukoll kwalunkwe pajjiż ieħor li jissodisfa r-rekwiżiti tad-Direttiva tal-KE 72/166/KEE dwar l-assigurazzjoni tal-vetturi
Unique selling points
- Argus hija waħda mill-ftit assiguraturi f'Malta li tiġġestixxi t-talbiet kollha lokalment.
- Argus Insurance Company (Europe) Limited hija kklassifikata attwalment B++ minn AM Best.
- Talbiet waħidhom għal sostituzzjoni tal-ħġieġ ma jaffettwawx l-iskont tan-nuqqas ta' talbiet tal-klijent.
- Skont tan-nuqqas ta' talbiet miksub fi kwalunkwe pajjiż tal-UE jista' jintuża favur polza ta' Argus f'Malta.
- Klijenti b'aktar minn polza waħda ma' Argus jistgħu jibbenefikaw minn skont multi-polza fuq polzi magħżula.
Coverage limits
Own Damage Cover (Comprehensive)
Covered
Il-Kopertura Komprensiva biss: Argus Private Vehicle Insurance tipprovdi protezzjoni lill-vetturi bil-mutur tiegħek kontra ħsarat imġarrba f'inċidenti li ma tkunx ħtija tiegħek, sabiex tiġi tiswija tal-vettura tiegħek aktar malajr.
Telf Totali
No limit stated
Ma nstabet ebda deskrizzjoni speċifika dwar it-telf totali fis-sorsi disponibbli.
Telf Parzjali
No limit stated
Ma nstabet ebda deskrizzjoni speċifika dwar it-telf parzjali fis-sorsi disponibbli.
Serq
Covered
Il-kopertura komprensiva tal-vettura bil-mutur tipproteġi kontra firxa wiesgħa ta' ħsarat bħal serq, nar, vandaliżmu, temp, oġġetti li jaqgħu u ħsara mill-annimali flimkien ma' talbiet ta' terzi.
Ħsara lill-Ħġieġ
Covered
Il-Kopertura Komprensiva biss: Argus toffri sostituzzjoni jew tiswija ta' ħġieġ bil-ħsara fil-windscreen, twieqi jew sunroof. Talba waħda għal sostituzzjoni tal-ħġieġ mhux se taffettwa l-iskont tan-nuqqas ta' talbiet.
Perikli Naturali
Covered
Il-kopertura komprensiva tinkludi ħsara kkawżata mit-temp u minn oġġetti li jaqgħu, flimkien mal-perikli l-oħra koperti.
Vandaliżmu
Covered
Il-kopertura komprensiva tal-vettura bil-mutur tinkludi ħsara minn vandaliżmu.
Assistenza fit-Triq / Irmunkar
Optional
Jekk il-kopertura tal-polza tiegħek tinkludi l-Kopertura ta' Ħsara fit-Triq, Argus tista' torganizza li l-vettura tiegħek tiġi rmunkata lejn l-eqreb destinazzjoni, suġġett għat-termini u l-kundizzjonijiet tal-Polza ta' Rmunkar u Ħsara fit-Triq.
Vettura ta' Sostituzzjoni
No limit stated
Ma nstabet ebda referenza għal vettura ta' sostituzzjoni fis-sorsi disponibbli.
Inċident Personali tas-Sewwieq
No limit stated
Ma nstabet ebda referenza għal kopertura ta' inċident personali għas-sewwieq fis-sorsi disponibbli.
Key conditions
Driver age and experience limit
Sewwieqa taħt il-25 sena huma soġġetti għal Excess miżjud pagabbli f'każ ta' talba, u tista' tapplika bidla fil-primjum. Il-formola tal-proposta toffri diversi kodiċijiet ta' sewwieqa (eż. sewwieqa awtorizzati 'l fuq minn 21, 25 jew 40 sena) skont il-kopertura magħżula.
Repair network requirements
Argus timmaniġġja t-talbiet kollha lokalment permezz ta' tim ta' esperti tat-talbiet appoġġjat minn network magħżul bir-reqqa ta' surveyors u repairers.
Territorial scope
Il-polza tipprovdi l-kopertura minima meħtieġa bil-liġi biex tuża l-vettura tiegħek fil-pajjiżi kollha membri tal-UE kif ukoll kwalunkwe pajjiż ieħor li jissodisfa r-rekwiżiti tad-Direttivi tal-Kummissjoni Ewropea dwar l-assigurazzjoni tal-vetturi.
Anti-theft requirements
Il-formola tal-proposta titlob jekk hemmx allarm installat fil-vettura; dan jista' jaffettwa l-valutazzjoni tar-riskju u l-primjum, għalkemm mhux stabbilit b'mod espliċitu bħala rekwiżit obbligatorju.
Claim notification deadline
Ma ġie ppubblikat l-ebda limitu ta' żmien speċifiku għan-notifika tat-talbiet fis-sorsi disponibbli għal din il-polza.
Deductible rules
Il-biċċa l-kbira tal-polzi jinkludu Excess, li huwa l-ammont li għandu jitħallas mill-assiguraz fil-każ ta' talba. Il-klijenti jistgħu jagħżlu li jżidu l-Excess Obbligatorju tagħhom (€55, €115 jew €235) biex jibbenefikaw minn tnaqqis fil-primjum.
Documents
Formola tal-Proposta għall-Assigurazzjoni tal-Vettura
Other document
Policy specifics
Comprehensive Coverage
Comprehensive Only: Argus Private Vehicle Insurance provides protection to motor vehicles against damages sustained in accidents which you are not at fault, theft, fire, vandalism, weather, falling objects and animal damage in addition to third party claims
SourceLost or Stolen Car Key Coverage
Comprehensive Only: If the key or lock transmitter of your car is lost or stolen Argus will pay for the cost of replacing the door locks and/or boot lock and the central locking interface up to €750 limit
SourceGlass Damage Coverage
Comprehensive Only: Argus offers replacement or repair of damaged glass in windscreens, windows or sunroofs
SourceThird Party Liability Coverage
Argus Private Vehicle Insurance policies will cover you against your legal liabilities to third parties arising as a result of an accident during use of the motor vehicle
SourcePersonal Belongings Coverage
Optional cover to pay for loss or damage to personal belongings caused by fire, theft or accidental means whilst they are inside your vehicle
SourceExcess/Deductible
Most policies include an Excess, which is the amount to be paid by the policyholder in the event of a claim
SourceNo-Claims Bonus Discount
For each claim-free year, Argus will give you a discount, until you reach the maximum level after 5 years
SourceNamed Drivers vs. Any Driver Option
Argus offers the option to specify named drivers on your policy or have a policy allowing any driver to drive your vehicles
SourceEU Green Card Coverage
Receive the minimum coverage required by law to use your vehicle in all EU-member countries as well as any country which agrees to meet European Commission Directives and requirements on vehicle insurance
SourceBreakdown Cover and Recovery
If your policy coverage includes Breakdown Cover, Argus can arrange for your vehicle to be towed to the nearest destination
SourceLocal Claims Handling
Argus is one of the few insurers in Malta who handles all claims locally with an experienced claims team supported by a carefully selected network of surveyors and repairers
Source