Premium reduction depends on a clean claims record. The following are some of the reductions that may apply:

1. Insuring more than vehicle with us;
2. Restricting your driving;
3. Increasing your compulsory excess;
4. Careful driver discount.

Click on the policies below to find out more about special rates on our car insurance policies:

• Limited Mileage
• RoadWise
• Citadel Eco Motor

If you are insured on a Comprehensive basis, you may opt to extend your policy which will cover you for the expense of hiring an alternative car while yours is being repaired

This is a discount that will be allowed on your premium depending on the number of years for which you have not lodged a claim. The No Claim Discount may be transferable in the following situations:

• From one insurance company to another;
• Between spouses;
• From one car to another;
• From an individual and a company where the individual is a shareholder owning 51% or more of the company.

We would assist you in establishing the current value of your car according to the market value guidelines. If you consider that your car’s value is higher than the current market value, we recommend that you get an independent evaluation from a qualified surveyor.

It is always advisable that you review the value of your car since values are constantly changing.

Your policy provides Third Party Cover for all EU member states. If you wish to also cover the own damage risk (Fire, Theft or Accidental Damage) you will need to inform us to extend your policy cover to the country you will be visiting. An additional premium is applicable for own damage cover.

Policy excess is the amount that you will have to pay when you make a claim, this amount may vary according to the age of driver at the time of accident. For further details on the applicable excess kindly contact us)

Normally you can choose to repair your car at a repairer of your choice, however, we do not guarantee the quality of any works carried out, or the expertise of any individual repairer

This would greatly depend on the age of the car and overall condition. For newer cars, we would generally opt for original equipment manufacturer (OEM) parts, otherwise aftermarket parts, including non-OEM parts and/or recycled second-hand parts, can be normally used.