Frequently Asked Questions



Yes, you can include a variety of vehicles under policy; however, you must specify the level of coverage for each.

Argus offers the option to specify named drivers on your policy or to have a policy allowing any driver to drive your vehicles.

Yes. The company, directors of the company, owners or partners of the business must be listed as the registered owners of the vehicles in order to receive a motor fleet policy.

Your insurance adviser at Argus Insurance can assist you with making amendments to your policy, such as changing vehicles, updating the motor insurance database or amending drivers.

Yes, if you have 5 or more vehicles.

Any vehicle owned by and registered to the company can be insured under a fleet policy. This includes hired-in and loan/courtesy car vehicles.

Directors’ own vehicles can be included in a company fleet if they are registered to the directors personally. A special motor certificate with the registered owner’s name for these vehicles will need to be issued and provided to us for our records.

The motor fleet policy does not cover vehicles that are insured elsewhere under a private policy or are not registered in Gibraltar or registered in the name of the company, directors of the company, owners or partners of the business.

Generally, any authorised driver, which is defined as anyone driving with the permission of the company/directors. If you wish to restrict driving either to named drivers only or to any driver but with a driver age restriction, you may be eligible for a discount. In addition, drivers under 25 years of age will usually have an increased Excess applicable when they are driving.

No. Fleet policies do not cover driving other cars on a third party basis.

Yes. A no claims bonus earned in any EU country can be used towards your Argus policy in Gibraltar, with written proof from your previous insurer.

You need to call Argus in order to add additional drivers to your policy. An additional premium may be charged in some instances and we also may need to issue you a new policy.

If your policy coverage includes Breakdown Cover and Legal Assistance from ARAG, we can arrange for your vehicle to be recovered and you and your passengers taken home or to your destination safely.

You should contact our Claims Department by either dialing +350 2007 9520 or coming into our office, where a member of staff will assist you on the handling of your claim and will start sorting out your problem immediately. The member of staff will confirm 1. Whether your policy covers you for the incident; 2. If there is any Excess to be paid; and 3. All the steps involved until your claim is settled. Please feel free to complete a claim form.

That is at your discretion. However, please take note that paying to protect your no claims bonus does not protect the premium itself; it only protects the bonus. If you make a claim, the premium will rise.

Possibly. You may be entitled to third party coverage when driving someone else’s car if you are a policyholder, at least 25 years of age, and have comprehensive coverage and a full driving licence. Your current Certificate of Motor Insurance will state if you have this coverage. You can also call our Customer Services Department on +350 200 79520.

If you have more than one insurance policy in place with Argus Insurance, you will be entitled to a multipolicy discount on all your policies.

Yes. A no claims bonus earned in any EU country can be used towards your Argus policy in Gibraltar, with written proof from your previous insurer.

You need to call Argus in order to add additional riders to your policy. An additional premium may be charged in some instances and we also may need to issue you a new policy.

An Excess is a contributory amount you pay, when making a claim; however, if the claim is found not to be your fault, it may be possible to recover your Excess from the other party.

In order to provide you with a quote we need more information, such as the vehicle’s tara (load bearing weight), the number of passengers and area you require coverage for.

Motorbike insurance policies do not include ARAG Breakdown assistance as standard, this needs to be purchased separately.

Buildings insurance covers the structure of the building, together with its fixtures and fittings: it covers the cost of repair or rebuilding after fire or weather damage, for instance. Contents insurance covers the contents of the commercial building that you own or for which you are responsible.

It covers the main structure of your investment. If it were to subside, burn down or be damaged or destroyed by extreme weather, the policy will cover the costs of rebuilding or repair. It also normally covers any permanent fixtures.

Contents insurance covers the contents of the building that you own or for which you are responsible. This may include items such as furniture or carpets. Contents coverage is applicable to those contents that are damaged or lost as a result of a fire, theft and special perils. You may be asked to specify certain items on the policy and you may be asked to make additional security provisions such as locks or a burglar alarm.

A good buildings or contents insurance company knows that a well-handled claim usually results in a happy customer. We will first want to make sure your claim is valid and covered by your policy terms. When that is done, we will want to settle the claim as quickly as possible—especially in extreme cases. Generally, a claim is settled within a few weeks of the policyholder making it.

Buildings insurance covers the structure of the building, together with its fixtures and fittings: it covers the cost of repair or rebuilding after fire or weather damage for instance. Contents insurance covers the contents of the building that you own or for which you are responsible.

Commercial buildings: Contents insurance covers the contents of the building that you own or for which you are responsible. This may include items such as furniture, carpets, or equipment/machinery. Contents coverage is applicable to those contents that are damaged or lost as a result of a fire, theft and special perils. You may be asked to specify certain items on the policy and you may be asked to make additional security provisions such as locks or a burglar alarm if the building is in an area with a high theft rate.

Private homes: Contents insurance covers the contents of your home and your personal possessions—all the things you would normally take with you when you move house. Your furniture, carpets, computer, entertainment equipment, CDs, DVDs, videos, valuables, clothing, personal belongings—even the food in your freezer! You may be asked to specify certain items on the policy and you may be asked to make additional security provisions such as locks or a burglar alarm if you live in an area with a high theft rate. Many contents insurance policies will also cover your belongings when you are away from your home or on holiday—or this coverage can be requested separately.

Business insurance covers your business in the event of an emergency or unforeseen circumstances. It can provide peace of mind that your business will be able to continue to operate should anything happen to your property or equipment, and that any potential claims would be met if a third party was injured on your premises.

Most policies include an excess, which is the amount to be paid by the policyholder in the event of a claim.

This provides cover against your legal liability for death or bodily injury (other than to an employee) and/or loss or damage to third party property arising out of the operation of your business.

This insures you against claims for compensation from employees following injury for which you are legally liable.

Yes, if your business operates from more than one premises we can usually cover them under one policy. Please refer to our experienced commercial team.

When operating a business it is likely that you will have large sums of money on the premises at certain times. With this in mind, included with your insurance policy is coverage for:

  • Money stored overnight in a safe at your establishment
  • Money in transit to the bank
  • Money whilst in business hours

The glass coverage refers to your front of house glass. We are able to cover additional glass; if you are interested, please refer to our experienced commercial team.

Business interruption insurance covers your business against those losses that occur following an insured loss. If your business were to be interrupted due to an insured risk (such as a fire), business interruption insurance could pay for your loss of earnings or additional costs for this period.

Public liability insurance covers the cost of injury to a third party or their property that occurs on your premises, or as a result of your business operation. Claims could easily run into hundreds of thousands—or even millions—of pounds, so without public liability insurance, you could face financial difficulties in the event of a claim.

Contact us to speak to one of our experienced representatives.

Some business contents policies cover tools, equipment and stock, so make sure that the coverage you buy is right for your needs. Consider your business requirements, the value of your equipment or stock.

No, having business insurance is not a legal requirement. However, having the right coverage can be crucial in protecting your business, staff, clients and the general public, so it's strongly recommended that you take out appropriate coverage for your needs.

Argus provides package policies for shops, offices and restaurants, which offer the main coverages required for these types of businesses. However, if your business does not quite fall into these categories, then we can customise a business combined policy for you.

At present, there is no legislation in force in Gibraltar stipulating that boat owners take out any coverage, not even for liability insurance.

Argus are one of a few insurers in Gibraltar who handle all claims locally. Our experienced claims team is supported by a carefully selected, network of surveyors and repairers. Decisions are made swiftly, and locally, and are backed by the Argus Customer Charter. Please feel free to complete a claim form.

If the vessel is over 12 years old, we would require an "out of water" survey with a surveyor of your choice. We would be happy to provide details of qualified surveyors operating locally. Otherwise, no survey is required if the boat is in sound, seaworthy condition.

The standard policy covers third-party liabilities of £250,000 but coverage can be arranged for higher limits where necessary.

It is similar to a motor policy in the sense that it can be arranged to cover damage to your boat, as well as protecting your liabilities to third parties against damage or injury, for which you were responsible. Coverage can be tailored to your individual needs; and we would be pleased to provide further details.

Similar to motor insurance, the cost of a yacht policy depends on values; coverage required and usage. Premium will vary according to experience, location of the mooring, excesses chosen etc. For a free quote, call 00350 20079520 to speak to an underwriter.

We require your full name, date of birth and country of residency.

Yes, pre-existing medical conditions must be declared upon each and every renewal.

You will need to complete an application form and provide copies of all certificates to be able to send to the Underwriters in the UK.

This would depend on your age, area of travel and whether you require a trip travel or annual policy.

No, individuals over 18 must purchase their own policies.

No, travel insurance has to be taken out before departure from your country of residence.

You would need to contact the Insurers directly who will ask you questions and send you a claim form.