RoadWise Benefits of Cover
This policy is available on two levels of cover:
- Comprehensive (Comp)
- Third Party Fire & Theft (TPFT)
Great Value & Discounts |
Comp |
TPFT |
| Accidental damage to your car | YES | N/A |
| Loss or damage to insured car by Fire or Theft | YES | YES |
| Legal liability for death of injury to any other person, including passengers (limited to €6,070,000) | YES | YES |
| Legal liability for damage to other people’s property (limited to €1,220,000) | YES | YES |
| Legal costs arising from a third party’s claim | YES | YES |
| Third Party Liability cover when travelling with your car in any EU member state as defined in the Legislation, including Switzerland | YES | YES |
| No Claim Discount of up to 65% Enjoy up to 65% off your premium in No Claims Discount |
YES | YES |
| No Claim Discount Protection No Claim Discount Protection available on 3rd, 4th and 5th Year No Claim Discount (Applicable only to drivers over 25 years) |
YES | YES |
| Personal Belongings cover up to €175 Protect your personal belongings e.g. handbag, clothing sports equipment and childcare accessories with our Personal Belongings Cover of up to €175 |
YES | YES |
| Windscreen Cover up to €500 If this is the only damage you claim for,your No Claim Discount will not be affected and no excess will be paid. |
YES | YES |
| Loss of Keys Cover up to €500 Our extensive Loss of Keys cover takes the hassle out of getting your keys or central lock replaced. If this is the only damage you claim for, your No Claims Discount will not be affected and no excess will be paid. |
YES | YES |
Peace of Mind |
Comp |
TPFT |
| 24-hour Breakdown Assistance | Free First Year followed by reduced rates upon renewal |
Free First Year followed by reduced rates upon renewal |
| Car Hire - Free alternative car for 5 days | FREE | N/A |
| New for Old Replacement Car We will replace your car with a new one of the same make, model, and specification if one is available if stolen and not recovered, or damaged so that repairs will cost more than 60% of the manufacturer’s price list at the time of the loss or damage. |
YES | YES |
Additional Benefits |
Comp |
TPFT |
| Free 15 days cover of Foreign use You are covered to drive your car anywhere in the EU free of charge up to 15 days in a 12-month period of Insurance |
YES | YES |
| Car Servicing We will provide the same cover if your car is in the custody or control of a Motor garage for the purpose of maintenance, repairs, and testing. |
YES | YES |
| No Excess for Third Party Liability - Drivers over 25 No excess will be paid for drivers aged 25 years and over on Third Party Liability. |
YES | YES |
Branded Products |
Comp |
TPFT |
| Limited Mileage Policy Benefit from a discounted rate if you drive your car up to 3,500kms in a 12-month period. |
YES | YES |
| Classic Car Policy We grant a special premium rate to enthusiasts for ensuring their cars which are classified as Classic, Vintage, or Veteran. |
N/A | N/A |
| Citadel Eco Discount Benefit from a discounted premium rate if your car is a hybrid or electric car. |
YES | YES |
