Citadel Insurance Motor third-party liability (Private Car Third Party Only)

Third Party Cover

Basic liability cover for damages to third parties, mandatory in Malta

Own Damage Cover

Optional cover for damage to insured vehicle including fire, theft, accidental damage

Section: Motor Insurance FAQs

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.

Comprehensive Policy

Maximum cover including own damage, accidental damage to windscreens, personal accident benefit

Section: Private Car

This provides the highest level of cover including damage to your own car in addition to the third party Fire & Theft cover. Our Comprehensive policy also provides cover for accidental damage to windscreens and a personal accident benefit to you or your family as a result of an accident involving your car.

Policy Excess

Amount policyholder must pay towards each claim; varies by driver age and vehicle type

Repair Approval and Repairer Choice

Policyholder can choose repairer but insurer surveyor must inspect and approve costs before repair

Section: Motor claims information > What should I do if I need to make a claim?

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.

Claim Notification Requirements

Policyholder must notify insurer in writing as soon as possible after claim event

Section: 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.

Material Fact Disclosure

Failure to disclose material facts can invalidate claim; includes all facts insurer would regard as influencing acceptance

Section: DECLARATION

I/We further declare that no material fact has been withheld and I/We understand that failure to disclose a material fact may result in the contract being declared void and that a claim under the policy may not be paid.

No Liability Admission

Policyholder must never admit liability at accident scene; requires written insurer consent for any statements

Section: Motor claims information > What should I do if I need to make a claim?

You or anyone insured under your policy must never admit anything or make any offer or promise about a claim, unless you have first obtained our written consent to do so.

Police Report Requirement for Theft

In case of theft or criminal act, policyholder must immediately file police report

Section: Motor claims information > What should I do if I need to make a claim?

In the event of any theft or other criminal act that may give rise to a claim, you or any other person claiming indemnity under your policy must immediately file a report with the police.

Replacement Parts Policy

Newer cars typically use OEM parts; older cars may use aftermarket or recycled second-hand parts

Section: 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, including non-OEM parts and/or recycled second-hand parts, can be normally used.