Citadel Casco (own-damage car insurance) (Private Car)
Underwritten by Citadel Insurance plc · Malta
casco (own-damage car insurance) from Citadel for the Malta market, with online purchase.
Last verified Oct 15, 2026Sources
Unique selling points
A No Claims Discount of up to 65% is available, with protection for drivers over 25 on their 3rd to 5th year NCD, and automatic protection at 6 years.
Free cover to drive the insured car anywhere in the EU for up to 15 days within a 12-month insurance period at no extra charge.
Windscreen damage claimed on its own, up to €500, does not affect the No Claims Discount and carries no excess.
No excess is payable by drivers aged 25 or over on third-party liability claims.
Comprehensive policyholders aged 21 or over can add an alternative-vehicle extension to cover the cost of hiring a replacement car while theirs is repaired.
Coverage limits
Own Damage
Conditional
No limit stated
The Comprehensive policy provides the highest level of cover including damage to the policyholder's own car, in addition to Third Party Fire & Theft cover.
Section: Private Car > Comprehensive
This provides the highest level of cover including damage to your own car in addition to the third party Fire & Theft cover.
Total loss
Conditional
Citadel's own Private Car (Comprehensive) benefits page does not state a currency limit for total loss; instead it describes a 'New for Old Replacement Car' benefit: the car is replaced with a new one of the same make/model/spec (if available) if it is stolen and not recovered, or damaged so that repairs would cost more than 60% of the manufacturer's price list at the time of loss.
Partial loss
Covered
Citadel's Private Car Comprehensive cover includes 'Accidental damage to your car' (listed as Yes under Comp, N/A under TPFT and TPO); the official benefits page states this inclusion but does not quote a monetary cap for partial/repair losses.
Theft / Robbery
Covered
No limit stated
Loss of, or damage to, the insured car caused by fire or theft is covered under both the Comprehensive and Third Party Fire & Theft policies.
Section: Private Car Benefits of Cover > Citadel Motor Key Features
Loss or damage to insured car by Fire or Theft · Yes · Yes · N/A
Glass Damage
€500
Comprehensive policyholders have windscreen cover up to €500; if windscreen damage is the only claim made, the No Claim Discount is unaffected and no excess applies.
Section: Private Car Benefits of Cover > Citadel Motor Key Features
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.
Natural Perils
Optional
No limit stated
Policyholders may opt to extend a private or commercial Comprehensive policy to include cover for earthquake.
Section: Optional Extensions
Do you wish to extend your private or commercial comprehensive policy to include cover for earthquake?
Vandalism
Not established from the reviewed documents
Citadel's official Private Car Comprehensive/TPFT/TPO benefits page lists 'Accidental damage to your car' and 'Loss or damage to insured car by Fire or Theft' as covered items but does not separately name vandalism or malicious damage as a covered or excluded peril, so vandalism-specific cover is not stated in the sources found.
Roadside assistance
Covered
Citadel's official Private Car benefits page (Comprehensive and Third Party Fire & Theft levels; not available under Third Party Only) lists '24 hour Breakdown Assistance' as 'Free for the first year' for both Comp and TPFT, with no cost or time limit stated beyond the first year.
Replacement Vehicle
Optional
No limit stated
Comprehensive policyholders aged 21 or over may opt to extend their policy to cover the cost of an alternative vehicle following loss of, or damage to, their car.
Section: Optional Extensions
extend cover to include an alternative vehicle following loss or damage to your car
Driver Accident
Conditional
No limit stated
The Comprehensive policy provides a personal accident benefit to the policyholder or their family as a result of an accident involving the insured car.
Section: Private Car > Comprehensive
a personal accident benefit to you or your family as a result of an accident involving your car
Key conditions
Driver age and experience limit
Standard excess varies by driver age: €55 (own damage/liability) for drivers 25 and over, €175 own damage/€115 liability-only for drivers 21 and over, and €350 own damage/€235 liability-only for drivers 18 and over.
SourceSection: Motor Quote > Standard Excess Rates
25 Years and Over | €55 | Nil 21 Years and Over | €175 | €115
Repair network requirements
Policyholders may have their car repaired at a repairer of their choice, provided the car is surveyed by Citadel's appointed surveyor and the repair estimate is approved before work begins.
SourceSection: Motor claims information > What should I do if I need to make a claim?
the car will be surveyed by our appointed surveyor and an estimate of the costs will have to be approved
Claim notification deadline
Policyholders must notify Citadel in writing as soon as possible of any claim under the policy.
SourceSection: Motor claims information > What should I do if I need to make a claim?
In any event of a claim under your policy, you must notify us in writing as soon as possible.
Deductible rules
A voluntary excess chosen by the policyholder is added to the standard excess applicable to own-damage claims; the standard excess ranges from €55 (drivers 25+) to €350 (drivers 18-20), with €235 applying to fire and theft claims.
SourceSection: Motor Quote > Voluntary Excess
the amount of voluntary excess selected is to be added to the standard Excess in respect of own damage only
Direct payment
Claim payments are made directly into the policyholder's bank account, limited to accounts within the Single Euro Payments Area (SEPA); the car may be repaired at a repairer of the policyholder's choice once Citadel's appointed surveyor has approved the repair estimate.
Territorial scope
Third-party liability cover applies while travelling with the car in any EU member state, including Switzerland, and Comprehensive and Third Party Fire & Theft policies include free cover to drive anywhere in the EU for up to 15 days within a 12-month insurance period.
Where to buy
Listed alphabetically by seller. The order does not depend on whether Boleron earns anything from a sale.
Documents
Policy specifics
No Claims Discount up to 65%
A No Claims Discount of up to 65% is available on Comprehensive, Third Party Fire & Theft, and Third Party Only policies.
SourceSection: Private Car Benefits of Cover
No Claim Discount of up to 65% · Yes · Yes · Yes
No Claims Discount Protection
Drivers over 25 on the 3rd, 4th or 5th year No Claims Discount may protect it; a 6-year NCD is protected automatically at no extra premium.
SourceSection: Private Car Benefits of Cover
Available to drivers over 25 years of age on the 3rd , 4th and 5th year No Claim Discount.
Personal Belongings Cover
Comprehensive and TPFT policies cover personal belongings such as handbags, clothing, sports equipment and childcare accessories up to €150.
SourceSection: Private Car Benefits of Cover
handbag, clothing, sports equipment and childcare accessories are covered for up to €150.
Loss of Keys Cover
Comprehensive and TPFT policies cover the cost of replacing lost keys or the central locking system up to €500.
SourceSection: Private Car Benefits of Cover
Loss of Keys Cover up to €500 Our extensive Loss of Keys cover takes the hassle out of getting Your keys
No Excess for Third Party Liability (Drivers 25+)
No excess is payable by drivers aged 25 or over on third-party liability claims.
SourceSection: Private Car Benefits of Cover
No excess will be paid for drivers aged 25 years and over on Third Party Liability claims.
Entertainment Equipment Cover Disclosure
Cover for in-car entertainment equipment only applies if its details and a copy of the purchase receipt are disclosed on the proposal form; non-factory-fitted equipment incurs an additional charge.
SourcePage 4Section: The Vehicle
No entertainment cover will be in force unless the details requested in this section are provided.
Convertible Soft-Top Value Limit
Cover for a convertible's soft top is limited to €350 as declared on the proposal form.
SourcePage 4Section: The Vehicle
Is this vehicle a convertible? Type of top: Make & model Date of purchase Value (limited to €350)
Duty to Disclose Material Facts
Failure to disclose a material fact likely to influence the insurer's assessment may result in the policy being declared void and a claim not being paid.
SourcePage 3Section: Declaration
failure to disclose a material fact may result in the contract being declared void
Replacement Parts Policy
Original equipment manufacturer parts are generally used for newer cars, while aftermarket or recycled parts may be used for older vehicles.
SourceSection: Motor Insurance FAQs > What type of replacement parts can be used to repair my car?
for newer cars, we would generally opt for original equipment manufacturer (OEM) parts, otherwise aftermarket parts
Choice of Repairer
Policyholders may normally choose their own repairer, though Citadel does not guarantee the quality of work or expertise of any individual repairer.
SourceSection: Motor Insurance FAQs > Can I repair the car at a garage of my choice?
we do not guarantee the quality of any works carried out, or the expertise of any individual repairer
Sources
- citadelplc.comhttps://www.citadelplc.com/benefits-of-cover-for-private-cars/(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/motor-insurance-claims-information/(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/motor-insurance-faqs/(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/motor-quote/(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/private-car/(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/wp-content/uploads/2025/10/Citadel-Insurance-Motor-Proposal-Form.pdf#page=3(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/wp-content/uploads/2025/10/Citadel-Insurance-Motor-Proposal-Form.pdf#page=4(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/wp-content/uploads/2025/10/Citadel-Insurance-Motor-Proposal-Form.pdf#page=6(opens in a new tab)
Citadel Casco (own-damage car insurance)