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| Feature / category | Atlas Insurance Jun 3, 2026 Open details | Citadel Jun 3, 2026 Open details | Elmo Insurance Jun 3, 2026 Open details | GasanMamo Jun 3, 2026 Open details |
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| Overview | ||||
Insurer | Atlas Insurance PCC Limited | Citadel Insurance p.l.c. | Elmo Insurance Ltd | GasanMamo Insurance Limited |
Online purchase | No | No | Yes | Yes |
24/7 helpline | Yes | No | Yes | No |
Billing basis | annual | annual | annual | annual |
Unique selling points |
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IPID | IPID | Not available | IPID | IPID |
Terms & conditions | Not available | |||
| Coverage | ||||
Own damage | Covered | Covered | Covered | Covered |
Total loss | Covered | Covered | Covered | Covered |
Partial loss | Covered | Covered | Covered | Covered |
Theft & robbery | Covered | Covered | Covered | Covered |
Glass damage | €1,000 | — | €500 | €1,000 |
Natural perils | Covered | Covered | Damage arising from flood, storm and tempest is included for comprehensive private car cover (excluding motorcycles and vehicles for hire and reward) under Endorsement No. 7.10 which deletes the standard exclusion. Damage arising from flood, typhoon, hurricane, cyclone, tornado, volcanic eruption, earthquake or other convulsion of nature remains excluded for motorcycles. For commercial vehicles, storm, tempest and flood cover requires a specific endorsement. Riot and strike cover for commercial vehicles is also available by endorsement (No. 7.5). | Covered |
Vandalism | Accidental damage under Section A covers malicious damage/vandalism as part of 'accidental loss or damage', subject to the vehicle not being in a situation excluded by policy conditions. Endorsement AMP006 (Garaging Warranty) specifically excludes vandalism to the vehicle when left unattended overnight unless kept in a locked private/public garage, supervised vehicle park, or locked compound. Therefore vandalism coverage is conditional on overnight garaging conditions where AMP006 applies. | — | Covered | Covered |
Roadside assistance | Covered | Not offered | Roadside assistance is included free of charge (up to 3 calls per policy period) for all private cars with comprehensive cover, covering Malta, Gozo and Europe. For private cars with Third Party Fire & Theft or Third Party Only cover, and for commercial vehicles and motorcycles, roadside assistance is available at subsidised rates as an optional benefit. For commercial vehicles, roadside assistance covers Malta and Gozo only; European coverage is not available for commercial vehicles. The service operates on a 24-hour, 7-days-a-week basis. | €1,000 |
Replacement vehicle | Free courtesy car (up to €100 per claim) is included for private car comprehensive policyholders who have attained 5 or 6 years' No Claims Discount, when the private car is damaged and repairable under Section A or B. Also paid while awaiting unavailable parts if the car cannot be driven. Optional enhanced levels: €250 (Level 2), €350 (Level 3), €475 (Level 4) by paying an additional premium (Section I2). Free Increased Courtesy Car Limit of €250 applies when the private car is stolen/unrecovered or written off following fire (Section I3, under Section B). Atlas's prior written approval is required before hiring any replacement vehicle. | Optional | Under Endorsement No. 7.3, if the motor vehicle cannot be used as a result of damage, Fire or Theft covered under the policy, Elmo will contribute towards the cost of hiring an alternative vehicle of a similar type. The maximum amount payable in any one Period of Insurance is €250 in total, for the period during which the motor vehicle is under repair as agreed by the motor surveyor. Prior written approval from Elmo must be obtained before hiring the vehicle, and a receipt and copy of the hire agreement from a licensed vehicle rental firm must be presented. For each claim under Section 3, the excess is reduced by €50. Applies only to private cars with comprehensive cover. | €250 |
Driver accident | €5,000 | — | €5,000 | €8,000 |
| Key conditions | ||||
Driver age experience limit | No excess applies for third party liability claims for private cars driven by drivers aged 25 or over. A standard excess of €50 applies to own damage, fire and theft claims for drivers aged 25 and over. Drivers under 25 face higher excesses ranging from €75 to €500. Personal Accident benefit excludes anyone below age 18 or aged 76 or older at the time of injury/death. No Claims Discount entitlement and step-back rules are also age-relevant. | Policy excess may vary according to the age of the driver at the time of an accident. Specific excess amounts by age band are not publicly disclosed and require direct contact with Citadel. The RoadWise policy variant requires named drivers to be aged 30 or over with at least four years free of claims. | Authorised Drivers are defined by a number (1–9) on the Policy Schedule corresponding to: (1) policyholder only; (2) policyholder and one named driver; (3) any person aged 25+; (4) any person aged 21+; (5) any person aged 18+; (6) employees only; (7) any person aged 36+; (8) listed drivers by endorsement; (9) any person aged 50+. The minimum driver age is 18. Age-based compulsory excesses apply: under 21 years the accidental own damage excess is €500 (private) or €290 (commercial); between 21 and 24 it is €200 (private) or €175 (commercial); 25 years and over it is NIL (private) or NIL (commercial); over 25 with less than 2 years driving experience it is €125 (private) or €175 (commercial). Personal Accident cover excludes anyone aged 71 or over. | No excess applies under Section 1 for authorised drivers aged 25 years and over. For drivers aged 20 years or under, an excess of €300 applies; aged 21 years or over, €200; aged 25 years or over but holding a full driving licence for less than 2 years, €200. For theft/attempted theft claims, an excess of €200 applies regardless of age. Under Section 2 (third party liability): €100 excess for drivers aged 20 or under; €50 for drivers aged 21 or over. Personal accident cover (Section 3) excludes anyone aged 70 or over at the time of the accident. Hiring of alternative car (Section 8D) is not available where the driver was under 21 at the time of the accident. |
Repair network requirements | Repairers must be included on the approved list by the Malta Competition and Consumer Affairs Authority. The policyholder is free to choose any approved repairer. Atlas appoints a qualified motor surveyor to determine repair costs. For vehicles 7 years or older, Atlas may use Alternative Parts (recycled or non-original). Atlas cannot authorise repairs in excess of €125 without its prior written agreement. ADAS within the windscreen must be recalibrated by a qualified technician following windscreen repair or replacement. | The policyholder may choose any repairer of their choice; however, the vehicle must be surveyed by Citadel's appointed surveyor and the repair estimate must be approved by Citadel before repairs commence. Citadel does not guarantee the quality of works or expertise of any individual repairer. For newer vehicles OEM parts are generally used; for older vehicles, aftermarket, non-OEM, or recycled second-hand parts may be used. | Damaged vehicles must be repaired at a Suitable Repairer, defined as a locally approved repairer by the competent authority. Elmo's cost control team contacts suppliers and orders parts, which are delivered directly to the approved repairer chosen by the policyholder. For vehicles five years old or more from the date of manufacture, Alternative Parts (recycled, non-original, or pattern parts) may be used. Standard accessories not available locally may be paid in cash at the latest manufacturer's catalogue price plus reasonable transport costs. Minor repairs up to €150 may be authorised by the policyholder without prior written consent, provided estimates are forwarded to Elmo without delay. | GasanMamo may repair the car with equivalent non-manufacturer parts of similar standard. Where the car cannot be repaired in Malta, costs are estimated using the hourly rate of Malta-based repair facilities approved by the vehicle manufacturer, or, in absence of such, rates of facilities approved by similar manufacturers. A minor repair up to €250 may be authorised by the policyholder without prior approval, provided an estimate is forwarded without delay. For all other repairs, prior authorisation is required. |
Territorial scope | Primary coverage area is Malta (Republic of Malta including any recognised sea passage within the republic). Comprehensive private car cover is automatically extended to all Designated States (EEA member states excluding Malta, plus Andorra, San Marino, Switzerland, UK, Vatican City) for up to 30 days per policy year at no extra charge, provided the main permanent residence is in Malta. Endorsement AMP001 allows extension beyond 30 days. Third party liability (Section C) also applies automatically in all Designated States and in Third Countries during a direct journey between Malta and a Designated State where there is no Foreign Bureau. | The policy provides Third Party cover for all EU member states as standard. To extend own damage cover (fire, theft, or accidental damage) to another country, the policyholder must inform Citadel in advance; an additional premium applies for own damage cover abroad. | Base cover applies in Malta (including the Republic of Malta and any recognised sea passage within the Republic). Third-party liability under Section 1 automatically extends to all Designated States (EU/EEA member states plus Andorra, San Marino, Vatican City and Switzerland) and to Third Countries during a direct journey between Malta and a Designated State where there is no foreign bureau. For private cars, own damage cover (Sections 2 and 3) may be extended to Designated States free of charge for up to 30 days aggregate per policy period, subject to prior notification and endorsement. Commercial vehicles and motorcycles require an additional premium and endorsement for overseas own-damage cover. Travel to non-Designated States requires a Green Card and additional premium. A Green Card is not required for travel within Designated States as the Certificate of Motor Insurance is sufficient. | Primary cover applies in Malta (including recognised sea passages). Third party liability minimum cover is automatically extended to all EU member states plus Norway, Liechtenstein, Iceland, United Kingdom, Switzerland, Andorra, San Marino, Vatican City, Monaco, Serbia, Bosnia Herzegovina and Montenegro (designated states) at no additional premium. Own damage cover (Section 1) is extended to designated states for up to 30 days in total per policy period, provided one working day's prior notice is given. The policy is intended for vehicles registered and normally based in Malta; overseas trips must not exceed 30 days total per policy period without notifying GasanMamo. Coverage during sea transit applies for ferry crossings not exceeding 65 hours. Extension to non-designated (third) countries requires advance request, Green Card issuance, additional premium, and at least two weeks' prior notice. |
Anti theft requirements | Theft and attempted theft claims are excluded if: the motor vehicle was not properly locked; any window, roof opening, removable roof panel or hood was left open or unlocked; keys (or keyless entry system) were left unsecured, unattended, or left in or on the unattended motor vehicle; the vehicle was taken by a family/household member, employee or ex-employee, or the vehicle owner (unless convicted of theft). Where Endorsement AMP006 (Garaging Warranty) applies, cover for theft, fire and vandalism overnight is conditional on the vehicle being kept in a locked private/public garage, supervised vehicle park, or compound secured by locked gates. | No specific anti-theft device requirements are stated in publicly available sources. In the event of theft or any criminal act giving rise to a claim, the policyholder or any person claiming indemnity must immediately file a police report. | Theft of the motor vehicle is not covered if the car Keys (physical key, fob or any manufacturer-made device) were left inside or on the motor vehicle. Loss or damage caused by theft or attempted theft is also excluded if the motor vehicle was not properly locked, or if any window, roof opening, removable roof panel or hood was left open or unlocked. Any modifications to the vehicle that affect performance must be disclosed and approved by Elmo; cover will not be provided if the vehicle has been modified to increase top speed or acceleration without Elmo's approval. | The policyholder must at all times take all reasonable steps to safeguard the car from loss or damage. This includes closing all windows (including sunroof) and activating any anti-theft device fitted when leaving the car unattended. Theft or attempted theft cover is excluded if: the car is unlocked; windows are open; sunroof is left open or unlocked; removable roof panel is not attached and locked; convertible roof or hood is not secured and locked; ignition keys or entry/operation devices are left in or on the car; or the car is left unattended with the engine running. Removal of audio equipment where physically possible is also required when leaving the car unattended. |
Claim notification deadline | The insurer must be advised in writing of any accident within 14 days of it occurring, or Atlas may refuse to pay the claim (except as required under Legislation). Theft, arson or other criminal acts must be reported to the police. Key loss theft claims require a crime reference number from the police. For Section J (Recovery of Uninsured Losses), the policyholder must tell Atlas about the claim as soon as possible and fully cooperate with the appointed lawyer. | In any event of a claim, the policyholder must notify Citadel in writing as soon as possible, either at the Head Office in Floriana, at any branch, or via any insurance intermediary. The Motor Claims Department can be contacted by telephone on (+356) 2557 9000 or by email at m-claimshelpdesk@citadelplc.com. All receipts and copies of correspondence related to the claim must be retained. | The policyholder must notify Elmo in writing as soon as possible after any occurrence which may result in a claim. Per the FAQs, the accident must be reported within 24 hours to provide full details. The policyholder must not admit liability for any claim or accident unless Elmo asks them to, and must not authorise any repairs without Elmo's written consent (except minor repairs up to €150). In the event of theft or other criminal act, the police authorities must be advised immediately. Theft claims will not be settled prior to three months from the date of loss. If a claim is subject to a magisterial enquiry, no settlement will be made until the enquiry is concluded. | Claims must be notified as soon as reasonably possible after any accident, injury, loss or damage. In the event of theft or criminal activity, the police must be advised immediately. For motor legal expenses claims (Section 9), incidents must be reported within 90 days after discovery. Any communication received about the incident must be forwarded immediately unanswered. If the policyholder or any insured person is to be prosecuted, or if there are legal or judicial proceedings, immediate written notice must be given. Failure to notify promptly may delay or suspend the claim. |
Deductible rules | Standard excess for own damage, fire and theft claims for drivers aged 25+: €50. No excess for third party liability claims for private cars driven by drivers aged 25+. Drivers under 25: €75–€500 excess. The excess for soft top convertible roof damage is 2% of the scheduled Motor Vehicle Value including Accessories or €350 (whichever is higher). The excess may be increased voluntarily to €100 or €200 for a premium discount. If more than one excess applies to a single occurrence, the highest excess applies. Where the third party vehicle driver is uninsured and the policyholder is found entirely not at fault, the excess is refunded and NCD is not affected. The standard own damage excess may optionally be removed for an additional premium (for drivers aged 25+). | The policyholder is required to pay the agreed excess when making a claim. The excess amount may vary according to the age of the driver at the time of the accident. A voluntary excess option is available; any voluntary excess selected is added to the standard excess and applies to own damage claims only. | A compulsory excess applies to all claims. For private cars on comprehensive cover, the standard accidental own damage excess is: NIL for drivers aged 25 and over; €200 for drivers aged 21–24; €500 for drivers under 21; €125 for drivers over 25 with less than 2 years driving experience. For fire and theft claims, the standard excess is €250 for all ages. Endorsement No. 7.8 (Reduction of Excess) reduces the compulsory excess by €50 for each and every claim under Sections 1, 2 and 3. Endorsement No. 7.1 increases the voluntary excess by €125; Endorsement No. 7.2 increases it by €250 (each attracting a premium reduction). Endorsement No. 7.9 deletes the fire and theft excess entirely. A €50 excess applies to windscreen and glass claims (Section 4). A €75 excess applies to loss of keys claims (Section 5). Voluntary excess increase is optional for private cars and commercial vehicles on comprehensive cover. | Section 1 (own damage): No excess for authorised drivers aged 25 and over. For drivers aged 20 or under: €300; aged 21 or over: €200; aged 25+ but licence held less than 2 years: €200. Theft/attempted theft: €200 regardless of driver age. Radio/in-car entertainment only claims: no excess. These excesses apply in addition to any voluntary or compulsory excesses. Section 2 (third party liability): €100 for drivers aged 20 or under; €50 for drivers aged 21 or over (these do not apply when a Section 1 claim is also made). Section 8A (replacement locks): €50 if the only claim. Section 8F (personal effects – fire/theft/malicious damage): €50 unless car is in a locked garage. Overseas use (Section 7B): excess for accidental damage and theft claims is increased and shown on the relevant endorsement. Voluntary excess options of +€50 or +€150 are available for an additional premium discount. |
| Proof and next steps | ||||
Direct payment policy | Atlas does not operate a direct repair payment scheme; the insurer settles claims with repairers approved by the Malta Competition and Consumer Affairs Authority. For total loss, payment is made to any finance/hire-purchase company first, with any balance paid to the policyholder. The insurer may choose to repair, replace, or pay the market value or scheduled estimate (whichever is lower). | Policyholder must pay the agreed excess when making a claim. Citadel does not operate a direct pay-to-repairer scheme; repairs at a repairer of the policyholder's choice are subject to surveyor inspection and cost approval before works commence. | Claims must be reported to Elmo Insurance in writing as soon as possible after any occurrence. Elmo deals directly with approved repairers and orders parts on behalf of the policyholder; for comprehensive cover Elmo organises the survey and directs repairs to an approved repairer. VAT-registered commercial vehicle owners must purchase parts themselves and claim settlement net of VAT. | In the event of a comprehensive claim, GasanMamo pays the approved repairer directly for repair costs. In total-loss settlements, payment is made to the policyholder or, where a hire-purchase or leasing agreement exists, to the finance company. For personal accident benefits, payment is made directly to the injured person or their legal representative. |
Last verified | Jun 3, 2026 | Jun 3, 2026 | Jun 3, 2026 | Jun 3, 2026 |