Atlas Motor Insurance

Flexible cover options to put you in the drivers’ seat

Atlas Insurance offers three levels of cover for private car insurance, helping you get the right car insurance for your needs and budget. Choose from Third Party, Fire and Theft, Third Party only, or get maximum protection and peace of mind with our Comprehensive car insurance.

You can also insure motorcycles, commercial vehicles or classic cars.

What's CoveredComprehensiveThird Party
Fire & Theft
Third Party Only
Key Benefits
Legal liability throughout Designated States up to limits required by law
Authorised legal expenses
Fire and/or theft of own vehicle
No additional charge for travel within Designated States up to 30 days annually
Accidental/malicious damage to own vehicle
FREE 24/7 Atlas Road Assist
€100 free courtesy car during repairs of private cars (also while awaiting parts if the car cannot be driven)
Refund of unrecovered road licence fee from when the car is written off
Refund of Excess and no effect on No Claim Discount when the third party is uninsured and at fault
Other Benefits
No Excess payable for third party only claims on private cars and for drivers over 25
Standard €50 Excess for own Damage, fire and theft
Audio equipment included as part of the accessories of the car
FREE Gap cover of 110% of the purchase price in the first year of cover
Loss of Keys up to €750 (private cars)
Recovery costs (1) following an accident, fire and attempted theft in Malta and in most of Europe (2)
Accidental damage to windscreen and windows up to €1,000
Child seat cover up to €125 following an accident, fire, theft or attempted theft
Personal effects up to €250
Personal accident and medical expenses to all passengers
Optional Benefits
Gap cover for cars up to 5 years old
Increase in own damage excess to €100 for a discount
Increase in own damage excess to €200 for a discount
Removal of the standard €50 excess at a nominal charge (drivers over 25)
Higher Courtesy Car limits (€250, €350 or €475)
Protection of No Claim Discount (4th and 5th year)
What's covered
Third Party Only
Key benefits
Legal liability throughout Designated States up to limits required by law
Authorised legal expenses
Other benefits
No Excess payable for third party only claims on private cars and for drivers over 25
Third Party Fire & Theft
Key benefits
Legal liability throughout Designated States up to limits required by law
Authorised legal expenses
Fire and/or theft of own vehicle
Other Benefits
No Excess payable for third party only claims on private cars and for drivers over 25
Standard €50 Excess for own Damage, fire and theft
Audio equipment included as part of the accessories of the car
FREE Gap cover of 110% of the purchase price in the first year of cover
Loss of Keys up to €750 (private cars)
Recovery costs following an accident, fire and attempted theft in Malta and in most of Europe
Optional benefits
Gap cover for cars up to 5 years old
Comprehensive
Key benefits
Legal liability throughout Designated States up to limits required by law
Authorised legal expenses
Fire and/or theft of own vehicle
No additional charge for travel within Designated States up to 30 days annually
Accidental/malicious damage to own vehicle
FREE 24/7 Atlas RoadAssist
€100 free courtesy car during repairs of private cars (also while awaiting parts if the car cannot be driven)
Refund of unrecovered road licence fee from when the car is written off
Refund of Excess and no effect on No Claim Discount when the third party is uninsured and at fault
Other Benefits
No Excess payable for third party only claims on private cars and for drivers over 25
Standard €50 Excess for own Damage, fire and theft
Audio equipment included as part of the accessories of the car
FREE Gap cover of 110% of the purchase price in the first year of cover
Loss of Keys up to €750 (private cars)
Recovery costs following an accident, fire and attempted theft in Malta and in most of Europe
Accidental damage to windscreen and windows up to €1,000
Child seat cover up to €125 following an accident, theft, theft or attempted theft
Personal effects up to €250
Personal Accident and medical expenses to all passengers
Optional benefits
Gap cover for cars up to 5 years old
Increase in own damage excess to €100 for a discount
Increase in own damage excess to €200 for a discount
Removal of the standard €50 excess at a nominal charge (drivers over 25)
Higher Courtesy Car limits (€250, €350 or €475)
Higher Courtesy Car limits (€250, €350 or €475)