Eco Motor Insurance Benefits of Cover

 

This policy is available on two levels of cover:

  • Comprehensive (Comp)
  • Third Party Fire & Theft (TPFT)
Citadel Motor Key Features
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 or 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 (applicable for drivers over 25 years). Yes Yes
No Claim Discount Protection No Claim Discount Protection available on 3rd Year No Claim Discount (Applicable only for drivers over 25 years) Optional Optional
Same Percentage after 1st claim If You or an Authorised Driver over 25 years of age and You are entitled to 5 Years no claims discount, Your no claims discount will remain at the same percentage, provided that no more than one claim is made in any one period of insurance and such claim made is for an amount not exceeding €2500. Yes Yes
Personal Belongings cover up to €120 Protect your personal belongings e.g. handbag, clothing sports equipment and childcare accessories with our Personal Belongings Cover of up to €120 Yes Yes
Windscreen Cover up to €350 If this is the only damage you claim for, your No Claim Discount will not be affected and no excess will be paid. Yes N/A
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 Yes Yes
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 30 days cover of Foreign use You are covered to drive your car anywhere in the EU free of charge up to 30 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
Free No claim discount Protection available on 4th & 5th Year NCD for drivers over 25 Yes Yes
Courtesy Car Get a replacement car for a maximum of €235 if your car is being repaired by an authorized repairer following a claim, for drivers over 21 Yes N/A
24 hour Breakdown Assistance (Free on new and renewal for vehicles with year of manufacture less than 7 years) Yes Eur 18.50
Branded Products
Comp
TPFT
Roadwise Motor Policy Benefit from a discounted rate if you are 30 years and over and without Claims or accidents in the last 4 years Yes Yes

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