RoadWise Benefits of Cover

 

This policy is available on two levels of cover:

  • Comprehensive (Comp)
  • Third Party Fire & Theft (TPFT)
Great Value & Discounts
Comp
TPFT
Accidental damage to your car YES N/A
Loss or damage to insured car by Fire or Theft YES YES
Legal liability for death of injury to any other person, including passengers (limited to €6,070,000) YES YES
Legal liability for damage to other people’s property (limited to €1,220,000) YES YES
Legal costs arising from a third party’s claim YES YES
Third Party Liability cover when travelling with your car in any EU member state as defined in the Legislation, including Switzerland YES YES
No Claim Discount of up to 65%
Enjoy up to 65% off your premium in No Claims Discount		 YES YES
No Claim Discount Protection
No Claim Discount Protection available on 3rd, 4th and 5th Year No Claim Discount (Applicable only to drivers over 25 years)		 YES YES
Personal Belongings cover up to €175
Protect your personal belongings e.g. handbag, clothing sports equipment and childcare accessories with our Personal Belongings Cover of up to €175		 YES YES
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.		 YES YES
Loss of Keys Cover up to €500
Our extensive Loss of Keys cover takes the hassle out of getting your keys or central lock replaced. If this is the only damage you claim for, your No Claims Discount will not be affected and no excess will be paid.		 YES YES
Peace of Mind
Comp
TPFT
24-hour Breakdown Assistance Free First Year followed by
reduced rates upon renewal		 Free First Year followed by reduced rates upon renewal
Car Hire - Free alternative car for 5 days FREE N/A
New for Old Replacement Car
We will replace your car with a new one of the same make, model, and specification if one is available if stolen and not recovered, or damaged so that repairs will cost more than 60% of the manufacturer’s price list at the time of the loss or damage.		 YES YES
Additional Benefits
Comp
TPFT
Free 15 days cover of Foreign use
You are covered to drive your car anywhere in the EU free of charge up to 15 days in a 12-month period of Insurance		 YES YES
Car Servicing
We will provide the same cover if your car is in the custody or control of a Motor garage for the purpose of maintenance, repairs, and testing.		 YES YES
No Excess for Third Party Liability - Drivers over 25
No excess will be paid for drivers aged 25 years and over on Third Party Liability.		 YES YES
Branded Products
Comp
TPFT
Limited Mileage Policy
Benefit from a discounted rate if you drive your car up to 3,500kms in a 12-month period.		 YES YES
Classic Car Policy
We grant a special premium rate to enthusiasts for ensuring their cars which are classified as Classic, Vintage, or Veteran.		 N/A N/A
Citadel Eco Discount
Benefit from a discounted premium rate if your car is a hybrid or electric car.		 YES YES