Private Car Benefits of Cover

 

This policy is available on three levels of cover:

  • Comprehensive (Comp)
  • Third Party Fire & Theft (TPFT)
  • Third Party Only (TPO)
Citadel Motor Key Features
Comp
TPFT
TPO

Accidental damage to your car

 Yes N/A N/A

Loss or damage to insured car by Fire or Theft

 Yes Yes N/A
Legal liability for death of injury to any other person, including passengers (limited to €6,070,000) Yes Yes Yes
Legal liability for damage to other people’s property, (limited to €1,220,000) Yes Yes Yes
Legal costs arising from a third party’s claim Yes 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 Yes
No Claim Discount of up to 65% Yes Yes Yes
No Claim Discount Protection You can choose to protect your No Claim Discount. Available to drivers over 25 years of age on the 3rd , 4th and 5th year No Claim Discount. Optional Optional Optional
Keep your NCD after the 1 st claim: Your No Claim Discount percentage will remain the same after the 1 st claim if you are benefiting from 5 years No Claim Discount. Applicable for drivers over 25 years of age. and when claim does not exceed €2500. Yes Yes N/A
Personal Belongings cover up to €150 Your personal belongings e.g. handbag, clothing, sports equipment and childcare accessories are covered for up to €150. Yes Yes N/A
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 N/A 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 N/A
Peace of Mind
Comp
TPFT
TPO

24 hour Breakdown Assistance

  Free for the first year  Free for the first year  N/A
Courtesy Car Get a replacement car for a maximum of €235 if your car is being repaired by an authorized repairer following a claim.  3 days free & option to upgrade N/A 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’sprice list at the time of the loss or damage. Yes Yes N/A
Additional Benefits
Comp
TPFT
TPO
Free 15 days cover of Foreign use Free cover to drive your car anywhere in the EU for 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 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 claims. Yes Yes Yes
Free Protection of No Claims bonus if you have 6 years No Claims Discount. (available for drivers over 25 years) Yes Yes -
Branded Products
Comp
TPFT
TPO
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 N/A
Limited Mileage Policy Benefit from a discounted rate if you drive your car up to 3,500kms in a 12 month period. Yes Yes N/A
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 Yes
Citadel Eco Discount Benefit from a discounted premium rate if your car is a hybrid or electric car. Yes Yes Yes