Argus Casco (own-damage car insurance) (Casco Comprehensive)
Underwritten by Argus Insurance Company (Europe) Limited · Malta
casco (own-damage car insurance) from Argus for the Malta market, with 24/7 assistance.
Verified Oct 15, 2026 · Terms dated 2022-04-01Sources
Unique selling points
Argus is one of the few insurers in Malta that handles all motor claims locally, backed by its own dedicated claims team and a network of surveyors and repairers.
A single glass-replacement claim under Comprehensive cover will not affect the policyholder's no-claims discount.
A no-claims bonus earned with any insurer in an EU country can be transferred to a new Argus policy in Malta.
Customers who hold more than one policy with Argus can benefit from a multi-policy discount.
Policyholders who add Roadside Assistance receive 24-hour breakdown cover across Malta and Gozo through Argus's dedicated contractor, Tow & Go.
Coverage limits
Own Damage Cover (Comprehensive)
Covered
Under Comprehensive cover only, Argus Private Vehicle Insurance protects the insured vehicle against damage sustained in accidents that are not the policyholder's fault, so that the vehicle can be repaired faster.
Section: Private Motor Insurance > Argus Private Vehicle Insurance plans offer the right level of coverage and service against a wide range of risks. > Accident
Comprehensive Only: Argus Private Vehicle Insurance provides protection to your motor vehicles against damages sustained in accidents which you are not at fault in order to repair your vehicle faster.
Total loss
Conditional
Settlement is normally at market value capped at the Sum Insured, unless the repair cost exceeds 60% of the manufacturer's list price at the time of loss, in which case the insurer replaces the vehicle with a new one of the same make and model if available, otherwise market value is paid.
Partial loss
Conditional
At the insurer's option the vehicle is repaired, replaced (including its accessories), or a cash sum is paid equal to the loss or damage; the most payable is the vehicle's market value at the time of loss or the Sum Insured, whichever is less.
Theft
Covered
Argus Private Vehicle Insurance protects the insured vehicle against theft under both the Comprehensive and Third Party Fire & Theft policies.
Section: Private Motor Insurance > Argus Private Vehicle Insurance plans offer the right level of coverage and service against a wide range of risks. > Theft
Argus Private Vehicle Insurance protects your assets against theft under our Comprehensive & TPFT policies.
Glass Damage
Covered
Under Comprehensive cover only, Argus offers replacement or repair of damaged glass in windscreens, windows or sunroofs; a single glass-replacement claim will not affect the policyholder's no-claims discount.
Section: Private Motor Insurance > Argus Private Vehicle Insurance plans offer the right level of coverage and service against a wide range of risks. > Additional Protection > Windscreen Coverage
Comprehensive Only: We offer replacement or repair of damaged glass in windscreens, windows or sunroofs. Single claims for glass replacement will not affect your no-claims discount; subject to your schedule and/or endorsements.
Natural Perils / Weather Damage
Covered
Argus describes comprehensive motor cover as protection against a wide range of damages including weather and falling objects, in addition to theft, fire, vandalism, animal damage and third-party claims.
Section: Glossary > Glossary > Comprehensive Coverage
Motor vehicle comprehensive coverage is protection against a wide array of damages such as theft, fire, vandalism, weather, falling objects and animal damage in addition to third party claims.
Vandalism
Covered
Argus describes comprehensive motor cover as including protection against vandalism, alongside theft, fire, weather, falling objects and animal damage.
Section: Glossary > Glossary > Comprehensive Coverage
Motor vehicle comprehensive coverage is protection against a wide array of damages such as theft, fire, vandalism, weather, falling objects and animal damage in addition to third party claims.
Roadside Assistance / Towing
Optional
Where selected, Argus's Tow & Go Roadside Assistance add-on provides 24-hour breakdown assistance throughout Malta and Gozo, delivered by contracted provider Tow & Go Towing Services, with up to five calls included per membership year before additional charges apply.
Section: Tow & Go Roadside Assistance Terms and Conditions > Roadside Assistance Cover
Our Roadside Assistance cover provides you with 24-hour breakdown assistance throughout Malta and Gozo.
Replacement vehicle
Not established from the reviewed documents
No Malta-specific document confirms a replacement-vehicle benefit for this product. Argus Gibraltar sells a separate optional ARAG 'Guaranteed Replacement Car' cover, which provides a replacement vehicle until repairs are completed (or, if a vehicle cannot be supplied, reimburses hire costs up to a daily rate subject to an aggregate limit), but Argus Malta's own forms/documents list does not include this ARAG product, so its availability and limits for the Malta product remain unconfirmed.
Driver accident
£5K
per person
Personal Accident benefit (Comprehensive cover, Private Car and Commercial Vehicle only): a fixed sum is paid to the driver or their spouse/civil partner if accidental bodily injury directly connected with the vehicle results, within three months, solely in death, irrecoverable loss of sight, or loss of a limb. The most payable per person after any one accident, and per person during any one period of insurance, is this amount. This reflects the Argus Insurance Company (Europe) Limited Motor Generic Policy wording underlying the Malta Combined Motor Policy; a Malta-specific full-text copy with a localised (EUR) figure could not be retrieved to confirm whether the amount differs.
Key conditions
Driver age and experience limit
The proposal form offers several driver-authorisation codes with different minimum ages for permitted drivers, including options restricted to the insured only, the insured and spouse/partner, and authorised or named drivers over 18, 21, 25 or 40, depending on the option selected at proposal stage.
SourcePage 2Section: 3. DRIVERS OF YOUR MOTOR VEHICLE
Code 3 The Insured and any Authorised Drivers over 25
Repair network requirements
Argus states that it handles all motor claims locally in Malta, with its claims team supported by a carefully selected network of surveyors and repairers.
SourceSection: Frequently Asked Questions > Asset Publisher > How do you handle claims?
Argus is one of the few insurers in Malta who handles all claims locally. Our experienced claims team is supported by a carefully selected network of surveyors and repairers.
Anti-theft requirements
The proposal form asks whether an alarm is installed in the vehicle; this information feeds into the risk assessment, though the form does not state it as a mandatory condition of cover.
SourcePage 3Section: 5. YOUR MOTOR VEHICLE
Is an alarm installed? Yes No
Deductible rules
Most policies include a compulsory excess payable by the policyholder on a claim. On the proposal form, applicants can choose to increase their compulsory excess by €55, €115 or €235 in exchange for a reduction in premium.
SourcePage 1Section: 2. INSURANCE ARRANGEMENTS
Would you like to increase your Compulsory Excess in return for a reduction in premium? By € 55: By € 115: By € 235:
Direct payment
For claims submitted through a broker, Argus states that once a claim has been verified, the settlement and/or benefit is paid by cheque or via bank transfer, indicating that payment is made to the insured rather than directly to a repairer. The public documents reviewed do not separately confirm how Comprehensive own-damage repair costs specifically are settled.
Territorial scope
The Maltese Islands and any EU member state, plus any other country that meets the requirements of EC Directive 72/166/EEC on motor insurance
Where to buy
Listed alphabetically by seller. The order does not depend on whether Boleron earns anything from a sale.
Documents
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
SourceSection: Private Motor Insurance > Argus Private Vehicle Insurance plans offer the right level of coverage and service against a wide range of risks. > Accident
Comprehensive Only: Argus Private Vehicle Insurance provides protection to your motor vehicles against damages sustained in accidents which you are not at fault in order to repair your vehicle faster.
Lost 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
SourceSection: Private Motor Insurance > Argus Private Vehicle Insurance plans offer the right level of coverage and service against a wide range of risks. > Additional Protection > Replacement Locks
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).
Glass Damage Coverage
Comprehensive Only: Argus offers replacement or repair of damaged glass in windscreens, windows or sunroofs
SourceSection: Private Motor Insurance > Argus Private Vehicle Insurance plans offer the right level of coverage and service against a wide range of risks. > Additional Protection > Windscreen Coverage
Comprehensive Only: We offer replacement or repair of damaged glass in windscreens, windows or sunroofs.
Third 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
SourceSection: Private Motor Insurance > Argus Private Vehicle Insurance plans offer the right level of coverage and service against a wide range of risks. > Liability to Third Parties
Our 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.
Personal Belongings Coverage
Optional cover to pay for loss or damage to personal belongings caused by fire, theft or accidental means whilst they are inside the vehicle, up to €250 per incident
SourceSection: Commercial Car Insurance > Additional Protection > Personal Belongings
Optional cover: We will pay for loss or damage to personal belongings caused by fire, theft or accidental means whilst they are inside your vehicle. The maximum amount payable for any one incident is €250, limits and exceptions apply.
Roadside Assistance (Tow & Go)
24-hour breakdown assistance throughout Malta and Gozo provided by contracted provider Tow & Go Towing Services, with up to five (5) calls included per membership year
SourcePage 2Section: Tow & Go Roadside Assistance Terms and Conditions > 1. Number of Roadside Assistance calls
The membership provides you with up to five (5) calls per membership year.
Excess/Deductible
Most policies include an Excess, which is the amount to be paid by the policyholder in the event of a claim
SourceSection: Frequently Asked Questions > Asset Publisher > What is an Excess?
Most policies include an Excess, which is the amount to be paid by the policyholder in the event of a claim.
No-Claims Bonus Discount
For each claim-free year, Argus will give you a discount, until you reach the maximum level after 5 years
SourceSection: Private Motor Insurance > Argus Private Vehicle Insurance plans offer the right level of coverage and service against a wide range of risks. > Additional Protection > No-Claims Discount
For each claim-free year, we will give you a discount, until you reach the maximum level after 5 years.
Named Drivers vs. Any Driver Option
Argus offers the option to specify named drivers on your policy, or a policy allowing any driver over 25 to drive your vehicle, subject to terms and conditions
SourceSection: Private Motor Insurance > Vehicle Insurance Resources > Frequently Asked Questions
Can the vehicle policy cover all drivers without having to name each driver specifically? Yes, if you wish (for drivers over 25 years).
EU 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
SourceSection: Private Motor Insurance > Argus Private Vehicle Insurance plans offer the right level of coverage and service against a wide range of risks. > Additional Protection > Compulsory EU 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.
Breakdown Cover and Recovery
If your policy coverage includes Breakdown Cover, Argus can arrange for your vehicle to be towed to the nearest destination
SourceSection: Frequently Asked Questions > Asset Publisher > What happens if my vehicle breaks down?
If your policy coverage includes Breakdown Cover we can arrange for your vehicle to be towed to the nearest destination.
Local 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
SourceSection: Frequently Asked Questions > Asset Publisher > How do you handle claims?
Argus is one of the few insurers in Malta who handles all claims locally. Our experienced claims team is supported by a carefully selected network of surveyors and repairers.
Vehicle Maintenance Requirement
The vehicle must be kept in a roadworthy condition and good working order
SourcePage 5Section: Tow & Go Roadside Assistance Terms and Conditions > 11. General Conditions
Vehicle Maintenance: Your vehicle must be kept in a roadworthy condition and good working order.
Sources
- argus.mthttps://argus.mt/frequently-asked-questions(opens in a new tab)
- argus.gihttps://www.argus.gi/documents/1105610/1105681/ARAG+Motor.pdf/94ceeb55-47d3-f966-a994-c84ada832bb6?t=1649148814935(opens in a new tab)
- argus.gihttps://www.argus.gi/documents/1105610/1105681/Motor+Policy+for+policies+issued+after+1st+April+2022.pdf/4c6b452e-6c6f-9d59-4df7-dcf88723e5a5?t=1664281369558(opens in a new tab)
- argus.gihttps://www.argus.gi/documents/1105610/1105681/Motor+Policy+for+policies+issued+before+the+1st+April+2022.pdf/76697dd9-5f4c-bfd4-7fce-5185f399dff3?t=1664271310995(opens in a new tab)
- argus.mthttps://www.argus.mt/commercial-car-insurance(opens in a new tab)
- argus.mthttps://www.argus.mt/glossary(opens in a new tab)
- argus.mthttps://www.argus.mt/private-vehicle(opens in a new tab)
Argus Casco (own-damage car insurance)