Download the relevant Claim Form from the links above, then:

• Notify us or your intermediary immediately of a claim.
• Notification can be made by:
  • phone on 23 43 53 63
  • fax on 21 344 666
  • e-mail insure@atlas.com.mt
  • calling personally at our offices - for details of our addresses and opening hours click here
    Whenever possible, please quote your policy number.
• If loss/damage occurs when our offices are closed for business, notify us once we are open. If repairs have to be carried our immediately, please retain damaged items in order not to prejudice our position should we wish to view/test such items.
• If items are lost or stolen notify district police to enable them to issue the relative report. In the event of a break-in do not touch anything until police and/or forensic experts tell you to do so. After relevant surveys have been carried out, you should set about securing premises/residence (albeit on a temporary basis).
• If cleaning has to be carried out following fire and or water damage, this should be done immediately to minimise the loss. Nevertheless the items damaged must not be disposed of until we instruct you to do so.
• When you suffer damages due to the negligence of third parties please ensure that you provide us with details of such person(s).
• It is important that you follow our instructions and also to act as if you are uninsured and try to minimise the loss as much as possible.
• Please help us to provide you with the service you have paid for.

Marine Claims

If pilferage or damages are discovered when our offices are closed for business, notify us as soon as we are open again.

In case of damage to your goods, segregate the damaged items from the undamaged items immediately, to minimise the loss. Please retain damaged items in order not to prejudice our position should we wish to view/test such items.Please retain the damaged goods pending our instructions.

Make sure that either the haulier or Customs officer makes a note of the damages or shortages on the Delivery Order, Gate Pass Out or Customs Release Order.

It is important that you immediately write to the Freight Forwarder or whoever dealt with your goods, holding him responsible for your loss.

It is important that you follow these instructions and also to act as if you are uninsured and try to minimise the loss as much as possible.

The proposal form is the initial step in the process of negotiation between the proposer and insurer and forms the basis of the contract between the two parties.

The main function of a commercial proposal form is to record the information that is necessary for the insurer to assess the nature of the risk being proposed and includes questions related to general particulars and others specific to the insurance covers being requested.

Having decided on the assets that need to be insured, you must now decide on the sum insured to be allocated to those assets. In respect of buildings, tenant’s improvements, fixed glass, machinery, plant and all other contents, and computers the following two main methods exist:

1. Traditionally, property insurance policies have been arranged on an ‘indemnity basis’, meaning that sums insured were based on the second-hand value of the property. This figure is usually arrived at by deciding on the cost of reinstating the property in modern materials and reducing that amount for wear and tear depending on age and usage of the property.

2. Alternatively, ‘reinstatement basis’ can be used wherein the sum insured should be that needed to put the property back to what it was prior to the damage, but without making it better or more extensive than before. An allowance must be made for likely inflationary increases during the rebuilding period, local authority requirements, professional fees and removal of debris costs.

A definition for stock will usually consist of: raw materials, work in progress, finished goods ready for sale belonging to you and/or held by you on behalf of others (such as clients and/or suppliers) or for which you’re responsible.

Furthermore, the sum insured will be based on the replacement cost of the stock excluding any element of profit which may be included in the price.

Once the decision has been made as to what assets need to be insured and their sum insured has been established, you need to decide what risk(s) those assets are to be insured against.

We offer the following options:
- Fire and the full range of perils;
- Fire and full range of perils plus accidental damage;
- All risks

No. All insurance policies, including the ones that come under this heading, are subject to exclusions and/or exceptions. Exclusions are risks that:

- the insurer does not wish to insure at all;
- are generally insured under more specific policies, e.g. money is typically insured under a money policy and computers under an electronic equipment policy;
- the insurer may be prepared to insure following further investigation and at an additional premium.

Many asset protection insurance policies require the insured to install fire extinguishing appliances. This is not only an insurance requirement but also good practice. Apart from selling such appliances a number of local fire safety and security companies provide assistance as to the type and quantities to be purchased according to their individual requirements.

For more information on the subject we invite you to access the following website: www.fire-extinguisher101.com

In insurance ‘Average’ has acquired a technical meaning. This basically means that if at the time of the loss the sum insured is less than the value of the property insured, the insured will be responsible for the difference and bear a rateable share of the loss, e.g. if the rebuilding value of the premises insured is €100,000 and the sum insured reads €50,000, should a loss of €10,000 occur, the insured will be entitled to €5,000 (less any policy excess)

We therefore remind you to insure your property on the correct sum insured and have it reviewed periodically, usually only once a year, unless there are significant changes in your property which you need to cater for in your insurance policy before you revise your policy at renewal.

A warranty is a term of major importance and requires that a certain state of affairs will, or will not, continue, or that something shall, or shall not be done, throughout the duration of the policy period. Warranties may also appear as a type of condition under commercial policies. The insured is responsible for the implementation of these warranties and/or conditions.

The condition will make it clear that any warranties which apply will do so throughout the period of insurance and that any non-compliance may result in claims not being paid.

The excess is a monetary amount agreed upon prior to start of insurance cover which will be deducted from the final amount of your claim.

The excess is applied in order to reduce the administration costs involved with handling small claims thus helping keep insurance premium costs affordable to the advantage of the customer.

If you can reclaim VAT, the sums insured and claims should exclude the amount of the tax, since you can reclaim it from the VAT department. If, on the other hand, you can’t reclaim VAT, the sums insured and claim settlements should include the tax element involved.

The main intent of the Employers’ Liability cover is to insure the employer against the legal liability they have to their full-time employees and in certain cases also extends to cover temporary or part-time employees, students and trainees on any work experience programme agreement all of whom are under a contract (written or otherwise) of service or apprenticeship with the employer. Only staff who have been registered with the relevant authorities are covered by Employers’ Liability insurance.

You need to acquaint yourself with the current Health and Safety legislation which deal with matters such as risk assessments, fire alarm installation, fire drills and evacuation, fire exits and signage, fire fighting equipment and training, personal protective equipment, use of guards on machinery, first aid kits and first aid training, etc. Sources for additional information on legislation include the Malta Government Department of Information (DOI) website where legal notices are published (http://doi.gov.mt/en/legalnotices/2009/) and the Maltese Occupational Health & Safety website (mt.osha.eu.int/) and/or (www.ohsa.org.mt/)

With the best will in the world, concerns about some aspects of our service can occasionally arise. In such circumstances our staff have wide authority to settle problems and will do everything they can to help. This should be your first point of contact. If you are still not satisfied, please download the appropriate form below. These documents guide you through our commitment to deal with your concerns promptly and fairly.