Citadel
Citadel is a motor third-party liability insurance for the Malta market with online purchase and limited assistance availability.
Direct payment
Claims payments are made directly to the policyholder's bank account via SEPA bank transfer. The policyholder must provide IBAN and BIC/SWIFT details on the claim form. Payments can only be made to bank accounts within the Single Euro Payments Area (SEPA).
Geographic scope
Malta and Gozo
Malta and Gozo (primary); automatic third-party liability cover extended to all EU member states, UK, Switzerland, EEA countries, Andorra, and Serbia under Green Card system
Unique selling points
- Exclusive Eco Motor discount for hybrid and electric car owners, rewarding sustainable driving with reduced premiums.
- Limited Mileage policy available for low-mileage drivers, offering savings of up to 35% on the standard premium with no excess payable on claims.
- No Claim Discount transferable across insurers, spouses, vehicles, and between individuals and their majority-owned companies.
- Policyholder's free choice of repairer, with Citadel-approved surveyor assessment and OEM parts used as standard for newer vehicles.
- Wide network of branches across Malta and Gozo (including Birkirkara, Mosta, Paola, Ta' Xbiex, Żejtun, Żebbuġ, Naxxar, Mellieħa, and Victoria Gozo) for in-person service and claim notification.
Coverage limits
Third-Party Bodily Injury Liability
Covered
Covers legal liability for injuries or death caused to third parties (including passengers) resulting from use of the insured vehicle, up to the statutory Maltese minimum of EUR 6,450,000 per accident.
Third-Party Property Damage Liability
Covered
Covers legal liability for damage caused to another vehicle, person or property while using the insured car, up to the statutory Maltese minimum of EUR 1,300,000 per accident.
Legal Defence
Covered
The insurer handles and defends third-party liability claims on behalf of the policyholder. Any legal or judicial notifications received must be forwarded immediately to Citadel Insurance p.l.c. without response.
Green Card / International Motor Insurance Certificate
Covered
Maltese motor policies automatically provide the minimum third-party liability cover required by law in all EU member states, UK, Switzerland, other EEA countries, Andorra, and Serbia. A Green Card serves as proof of valid insurance when travelling abroad and is issued free of charge.
Roadside Assistance
Excluded
Roadside assistance is not mentioned as an included or optional benefit of the basic Third Party Only MTPL policy at Citadel. It is not evidenced in official sources for this product tier.
Driver Personal Accident Benefit
Excluded
Personal accident benefit for the driver is described as a feature of the Comprehensive policy level only. It is not included in the basic Third Party Only MTPL policy.
Passenger Bodily Injury Liability
Covered
Under Maltese law and the Motor Vehicles Insurance (Third-Party Risks) Ordinance (Cap. 104), MTPL cover includes liability for injuries caused to passengers of the insured vehicle as third parties. This is a statutory inclusion, not a discretionary benefit.
Key conditions
Territorial scope
The policy covers use of the insured vehicle in Malta and Gozo. Third-party liability cover automatically extends to all EU member states, the UK, Switzerland, other EEA countries, Andorra, and Serbia at the minimum statutory level required by each country's law.
Green card rules
A Green Card (International Motor Insurance Certificate) is issued free of charge as proof of insurance for travel abroad. Maltese policies automatically provide the legal minimum third-party cover in EU/EEA countries, UK, Switzerland, Andorra, and Serbia. Policyholders must notify the insurer if they wish to extend Comprehensive or Fire and Theft cover for use abroad.
Driver restrictions
The vehicle must be driven with the policyholder's permission. The driver's traffic accident history for the past 4 years and any penalty points incurred must be disclosed on claim forms. Failure to disclose all material facts may invalidate a claim.
Claim notification deadline
Claims must be notified to Citadel in writing as soon as possible. Notification may be made at the Head Office in Floriana, at any branch, or via any insurance intermediary. Any legal or judicial notifications received must be forwarded immediately to Citadel without being answered.
Bonus-malus rules
Citadel applies a No Claim Discount (NCD) to the premium based on the number of claim-free years. Malta does not operate a centralized statutory bonus-malus system; NCD is applied at the individual insurer's discretion. Citadel's NCD may be transferable between insurance companies, between spouses, between vehicles, and from an individual to a company where the individual holds 51% or more of the shares, subject to Citadel's acceptance.
Where to buy
Documents
Citadel Insurance Motor Claim Form (October 2025)
other
Policy specifics
Windscreen and glass cover
Accidental damage to windscreens is covered under comprehensive policies
Personal accident benefit
Cover for personal accident to driver and family members as result of car accident
Hire of alternative vehicle
Option to extend comprehensive policy to cover hiring of alternative car during repairs
EU travel cover
Third party cover extends to all EU member states
No Claim Discount
Premium reduction based on years without lodging a claim
Repair arrangements
Vehicle can be repaired at choice of repairer subject to survey and approval
Mandatory claim notification
Claims must be notified in writing as soon as possible
Police reporting requirement
Theft or criminal acts must be reported to police immediately
Policy excess (deductible)
Policyholder responsible for paying agreed excess on each claim