Atlas Insurance Motor third-party liability (Motoring Third Party Only)
Underwritten by Atlas Insurance PCC Limited · Malta
motor third-party liability insurance from Atlas Insurance for the Malta market, with online purchase.
Verified Aug 30, 2026 · Terms dated 2024-04-01Sources
Unique selling points
Free Legal Assistance for uninsured losses up to €1,000 is included for all private cars.
No policy excess is payable on third party liability claims for drivers aged 25 and over.
Policyholders earn and redeem Lava Rewards points for every €1 spent on Atlas Motor Insurance.
A 10–15% discount is given on all vehicles when insuring more than one vehicle with Atlas.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal Assistance for Uninsured Losses
€1K
Free Legal Assistance for uninsured losses up to €1,000 is included for all private cars; recovery of uninsured losses only applies if it is likely the claim against the responsible party will succeed.
Section: What is insured? > Additional free cover for all private cars
Legal Assistance for uninsured losses up to €1,000;
Green Card
Conditional
Third party liability cover is automatic while driving in the EEA, UK, Switzerland, Andorra and San Marino. A green card is required to drive in countries outside the EU, and cover is usually not available for countries outside Europe as well as certain countries within Europe.
Section: Where am I covered?
A green card is required to drive in countries outside the EU. Cover is usually not available for countries outside Europe as well as certain countries in Europe.
Roadside Assistance
Optional
Roadside Assistance is offered as an optional benefit at an additional charge for policies other than comprehensive private cars, including European Roadside Assistance.
Section: What is insured? Continued... > Other optional benefits
Roadside Assistance for policies other than comprehensive private cars as well as European Roadside Assistance.
Driver Personal Accident
No limit stated
Not included in Third Party Only cover.
Section: What is insured? > Additional free cover for private comprehensive policies
Personal Accident and medical expenses to passengers;
Passenger Personal Accident
Excluded
Personal Accident and medical expenses cover for passengers is provided as additional free cover only under private comprehensive policies; it is not included in the Third Party Only cover level.
Section: What is insured? > Additional free cover for private comprehensive policies
Personal Accident and medical expenses to passengers;
Key conditions
Driver restrictions
No claim will be paid if the driver is not an authorised driver on the certificate of insurance, is disqualified from driving, has an expired driving licence (beyond a 30-day grace period), has had insurance cancelled/declined or special terms imposed, has undeclared criminal convictions, has been banned from driving, has an undeclared medical condition affecting driving, or was driving under the influence of alcohol or drugs. No policy excess is payable for third party claims when the driver is aged 25 or over.
Claim notification deadline
You must notify Atlas as soon as reasonably possible of any claim or incident that might lead to a claim, and provide the required completed claim forms, reports and quantification of claims.
Bonus-malus rules
There is no effect on your No Claim Discount if an accident is not your fault and expenses are recoverable. However, on Third Party Only cover for private cars and commercial vehicles, the No Claim Discount is totally forfeited at renewal if you have had one or more at-fault claims during the period of cover.
Territorial scope
Automatic cover for third party liability while driving the insured vehicle in all EEA countries, the UK, Switzerland, Andorra and San Marino. A green card is required to drive in countries outside the EU, and cover is usually not available outside Europe or in certain European countries.
Documents
Policy specifics
Third Party Liability Standard Limits
Standard limits of liability are €1,300,000 for property damage and €6,450,000 for injuries or death to third parties, as required by Maltese and European Law.
SourceSection: Atlas Insurance Journal > Why do I need motor insurance?
It is a requirement by Maltese and European Law to have third party liability cover when driving a motorized vehicle. The standard limits of liability are €1,300,000 for property damage and €6,450,000 for injuries or death to third parties.
EEA Travel Cover
Free 30 days cover during the annual policy cover when travelling within the EEA, the UK, Switzerland, Andorra and San Marino, without need to notify the insurer unless exceeding 30 days.
SourceSection: Motor Insurance Frequent Questions > Insurance Cover
Our private car & motorcycle comprehensive and third party fire and theft covers offer free 30 days cover during the annual policy cover when travelling within the EEA, the UK, Switzerland, Andorra and San Marino. You will not need to notify us as long as you do not exceed the 30 days in these countries.
Excess on Third Party Liability Claims
Atlas motor policies do not require an excess to be paid for third party liability claims involving private cars when driven by drivers aged 25 or over.
SourceSection: Motor Insurance Frequent Questions > Damages & Claims
An excess is the amount which you are required to pay when you make a claim. Atlas motor policies do not require an excess to be paid for third party liability claims involving private cars when driven by drivers aged 25 or over.
Uninsured Third Party Claim
Refund of Excess and no effect on No Claim Discount when the third party is uninsured and at fault.
SourceSection: Flexible cover options to put you in the drivers’ seat
Refund of Excess and no effect on No Claim Discount when the third party is uninsured and at fault
Sources
- atlas.com.mthttps://www.atlas.com.mt/faq-category/faq-motor/(opens in a new tab)
- atlas.com.mthttps://www.atlas.com.mt/help/motor-faq/(opens in a new tab)
- atlas.com.mthttps://www.atlas.com.mt/insurance/motor/motor-cover/(opens in a new tab)
- atlas.com.mthttps://www.atlas.com.mt/wp-content/uploads/2025/02/Motor-Insurance-MotoringP-IPID-01.04.2025.pdf#page=1(opens in a new tab)
- atlas.com.mthttps://www.atlas.com.mt/wp-content/uploads/2025/02/Motor-Insurance-MotoringP-IPID-01.04.2025.pdf#page=2(opens in a new tab)
Atlas Insurance Motor third-party liability