Citadel Insurance p.l.c.
Citadel Insurance
Citadel Insurance is a motor third-party liability insurance for the Malta market with online purchase and limited assistance availability.
Direct payment
You can have your car repaired at a repairer of your choice, subject that the car will be surveyed by our appointed surveyor and an estimate of the costs will have to be approved by us before commencing the repairs
Geographic scope
Malta
Cover applies in Malta; third party liability cover is extended to all EU member states.
Unique selling points
- RoadWise policy rewards careful drivers aged 30 and over with four years free of claims with a reduced premium and lets them include up to four named drivers.
- Limited Mileage policy offers savings of up to 35% on premium for drivers with limited mileage, with no excess payable on a claim.
- Special reduced premiums are available for hybrid and electric cars.
- Citadel maintains a wide branch network across Malta and Gozo (Il-Mosta, Birkirkara, In-Naxxar, Ta' Xbiex, Paola, Ħaż-Żebbuġ, Iż-Żejtun, Il-Mellieħa and Victoria, Gozo) for in-person service.
Coverage limits
Bodily Injury Liability
Covered
Core mandatory third party liability cover for bodily injury caused to third parties; the proposal and claim forms confirm this is the basis of the Third Party Only policy, but no specific monetary limit is stated in the sources reviewed.
Property Damage Liability
Covered
Core mandatory third party liability cover for damage to third party property; the sources confirm the existence of this cover under the Third Party Only policy but do not state a specific monetary limit.
Legal Defence Cover
No limit stated
No mention of a dedicated legal defence/legal expenses cover was found in the reviewed sources for this product.
Green Card / EU Territorial Extension
Covered
Third party liability cover automatically extends to all EU member states.
Roadside Assistance
No limit stated
No roadside assistance benefit was found described for this product in the reviewed sources.
Driver Personal Accident Benefit
Excluded
The personal accident benefit to the insured or family is stated as a feature of the Comprehensive policy only, and is not part of the Third Party Only cover.
Passenger Personal Accident Benefit
Excluded
Personal accident benefit for the insured or family is only mentioned as part of the Comprehensive policy, not the Third Party Only cover.
Key conditions
Territorial scope
The policy is intended for risks situated in Malta, with third party liability cover extending to all EU member states.
Green card rules
Third party liability cover automatically applies across all EU member states, without need for a separate green card extension.
Driver restrictions
Cover can be limited to the proposer only, to the proposer and spouse/civil union partner, to the proposer and a named driver, to any driver aged 25 or over, to named drivers aged 21-24, to named drivers under 21, or (for commercial vehicles) to named drivers aged 18-24; each option is selected and named drivers listed on the proposal form.
Claim notification deadline
Policyholders must notify Citadel of a legal or judicial notification relating to a claim without delay, and in the case of theft or another criminal act must immediately file a report with the police.
Bonus-malus rules
Policyholders entitled to a no-claims discount from a previous insurer may transfer it to the new policy; drivers aged 25 or over who have reached 3rd, 4th or 5th year no-claims discount can opt to protect it for an additional premium, while 6-year no-claims discount is protected automatically at no extra cost.
Where to buy
Policy specifics
Own Damage Cover
Optional cover for damage to insured vehicle including fire, theft, accidental damage
SourceComprehensive Policy
Maximum cover including own damage, accidental damage to windscreens, personal accident benefit
SourceThird Party Fire and Theft
Cover for third party liability plus insured vehicle protection against theft or fire damage
SourcePolicy Excess
Amount policyholder must pay towards each claim; varies by driver age and vehicle type
SourceRepair Approval and Repairer Choice
Policyholder can choose repairer but insurer surveyor must inspect and approve costs before repair
SourceClaim Notification Requirements
Policyholder must notify insurer in writing as soon as possible after claim event
SourceMaterial Fact Disclosure
Failure to disclose material facts can invalidate claim; includes all facts insurer would regard as influencing acceptance
SourceNo Liability Admission
Policyholder must never admit liability at accident scene; requires written insurer consent for any statements
SourcePolice Report Requirement for Theft
In case of theft or criminal act, policyholder must immediately file police report
SourceReplacement Parts Policy
Newer cars typically use OEM parts; older cars may use aftermarket or recycled second-hand parts
Source