Being involved in an accident can be very stressful. By being prepared and knowing what to do can facilitate the claims process and avoid any unnecessary delays.

Our Motor Claims Department can be contacted during office hours on phone number(s) (00356) 25579000 or (00356) 21246152. Alternatively you can email us at motorclaims@citadelplc.com.

Be prepared

It should be useful to have these things in your car in the event of an accident :

• Pen and paper
• First aid kit
• Torch
• Disposable camera
• Front-to-rear Accident Form

At the scene

If you find yourself in an accident

• Stop! You must stop after an accident.
• You should check to see if anyone is hurt and if needed call an ambulance.
• If there has been an injury or public property has been damaged, you must call the nearest police station immediately and report the accident.
• For any other type of car accident, except in the event of a front-to rear collision, you must notify the traffic wardens on telephone number 21320202.
• In the case of a front-to-rear collision you do not need to call the traffic wardens or the police but the front-to-rear form should be completed and duly signed by all drivers involved in the accident.
• Providing it is a front-to-rear collision, you should not move the car before the arrival of the police or the traffic wardens.
• In the case that any witnesses saw the accident, you should take their particulars, including, names, addresses and telephone numbers.
• Even if you deem you are at fault for the accident, do not admit liability at the scene.
• Write down details of the accident and draw a sketch map of what happened. If you have a camera, take photos.

Making a claim

After an accident

• You should do whatever you can to protect your car.
• Following any event which could lead to a claim under your policy you must notify us in writing as soon as possible. You may do so at our Head Office at Floriana or otherwise at any one of our branches.
• Please remember that you will be required to pay the agreed excess.
• 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 be approved by us before commencing the repairs.
• Every judicial notification or any other communication you may receive relating to a claim must be sent to us without delay.
• 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.
• You or anyone insured under your policy must not admit anything or make any offer or promise about a claim, unless you have our written consent to do so.

The Claims Process

As the claim proceeds you should follow our recommendations to make the claims procedure as quick and simple as possible. Keep all receipts and copies of any letters linked to your claim.