Atlas Insurance PCC Limited
Atlas Insurance
Atlas Insurance is a motor third-party liability insurance for the Malta market with online purchase and limited assistance availability.
Direct payment
Payment must be made before cover commences on a new policy or renewal. Atlas accepts payment in cash, by cheque, or by credit/debit card; if insured through an intermediary or broker, payment is made to them.
Geographic scope
Malta
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.
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
Bodily Injury Liability
Covered
Motor Insurance covers the third party liability required by law, including any bodily injury caused to third parties, up to a limit of €6,450,000.
Property Damage Liability
Covered
Motor Insurance covers the third party liability required by law for damage caused to third party property, up to a limit of €1,300,000.
Legal Assistance for Uninsured Losses
Covered
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.
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.
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.
Driver Personal Accident
Not offered
No specific driver personal accident benefit is described for this cover level in the available source documents.
Passenger Personal Accident
Conditional
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.
Key conditions
Territorial scope
You are automatically covered for third party liability while driving the insured vehicle in all countries forming part of the EEA, the UK, Switzerland, Andorra and San Marino. Fire, theft and own damage cover must be purchased separately for this to apply outside Malta.
Green card rules
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 within Europe.
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.
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.
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.
Vehicle Valuation - Market Value Basis
All motor policies in Malta do not cover vehicles on an agreed value basis. The policy value is based on market value at the time of loss, determined using data from Cartell.com.mt and Malta Insurance Association value guides.
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.
No Claim Discount Protection
NCD is automatically protected on the 6th year (65% maximum). Policyholders can optionally protect NCD at 60% (4th year) or 65% (5th year) at a nominal charge.
Uninsured Third Party Claim
Refund of Excess and no effect on No Claim Discount when the third party is uninsured and at fault.