UPDATED: Apr 25, 2022

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Written By: Jeffrey JohnsonReviewed By: Laura WalkerUPDATED: Apr 25, 2022Fact Checked

If you’re an individual with high-value assets, it’s likely that you’re considering Atlantic Master Plan as your auto insurance provider.

Atlantic Master Plan provides comprehensive insurance coverage for high net worth individuals and families who have unique and complex insurance needs that are not addressed by mainstream insurers.

Their Master Plan policies can insure all of your assets and provide you with personal liability insurance to protect your assets from litigation.

After you review this article, don’t forget to enter your zip code in the box to compare personalized car insurance quotes.

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Key Facts About Atlantic Master Plan and The ACE Group

Atlantic Master Plan was originally owned by The Atlantic Companies, but was transferred to The ACE Group in 2007. The ACE Group is a subsidiary of Switzerland-based ACE Limited, which was founded in 1985 in Bermuda.

The company moved its headquarters to Zurich, Switzerland, in 2008. The ACE Group was first listed on the NYSE under the ACE ticker in 1993.

In the United States, The ACE Group offers a wide variety of consumer and business insurance products, with lines for everything from climate risk to underground storage tanks.

The ACE Group currently holds A+ ratings from Standard and Poor’s and A.M. Best.

Atlantic Master Plan Policy Details

The Atlantic Master Plan provides personalized blanket coverage for the following:

  • Unique, valuable primary and secondary homes
  • High-value and collector cars
  • Art, antiques and collectible items
  • One-of-a-kind jewelry
  • Protection against litigation
  • Watercraft and other recreational vehicles
  • Personalized plans for unusual assets

An important advantage of this type of coverage for high net worth individuals and families is that it helps to avoid the duplication of coverage that can occur when you insure multiple assets through different companies.

It also helps you avoid coverage gaps and makes your life easier by giving you just one insurance bill and one policy to keep up with.

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Auto Insurance with Atlantic Master Plan

If you choose to insure your vehicles with Atlantic Master Plan, you will have the option to purchase higher levels of coverage and have the opportunity to purchase services that are not available from traditional car insurance companies such as Geico or State Farm.

For instance, Atlantic Master Plan customers can negotiate “Agreed Value” coverage for their automobiles so that they can receive compensation for total losses if their vehicle is damaged, rather than just the depreciated value of the vehicle.

The company also sends a claims assessor to examine your vehicle within 24 hours after you make your claim, and payment for damages is usually issued within 48 hours of your claim.

Other services and coverage that make Atlantic Master Plan unique include:

  • Coverage for physical damage to any vehicle operated by a covered driver worldwide, even if it is rented or borrowed
  • Freedom to take your vehicle to the repair shop of your choice
  • Comprehensive policies that automatically include rental car reimbursement, emergency road service and reimbursement for expenses if car trouble leaves you stranded

Atlantic Master Plan Discounts

Atlantic Master Plan customers are entitled to standard car insurance discounts.

Check with the insurer to find out which of the following discounts are available in your area:

  • Good Student discount
  • Multi-car discounts
  • Good Drive discount
  • Vehicle Safety discounts
  • Defensive Driver Training discount
  • Anti-Theft Device discount

Atlantic Master Plan Insurance Review

Atlantic Master Plan is definitely not for everyone, but if you’re a high net worth individual whose insurance needs are not met by traditional insurers, this plan is certainly worth considering.

By choosing Atlantic Master Plan, you can still receive the same discounts that are available from standard insurance policies but also opt for higher coverage levels that mean greater protection for your family and your valuable assets.

To compare insurance quotes from a variety of insurers, simply enter your zip code in the box on this page.

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  5. Liberty Mutual Car Insurance Review

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years Laura Walker