Drive with confidence

Choose the car insurance that fits your needs: from essential third-party coverage to full all-risk coverage. Simple options, transparent terms, and efficient claims handling, designed to keep you moving with peace of mind.
  • Reliable
  • Affordable
  • Simple
Drive with confidence

Car Insurance by Citizens – simple choices, reliable coverage

Whether you’re looking for basic legal coverage or the peace of mind of full all-risk coverage, Citizens offers car insurance that fits every driver and every budget. Choose from our three main coverage options, each designed to match your car’s age, value, and your coverage needs.

WA Essential

Basic third-party coverage, the legally required coverage for every driver. Ideal if you’re looking for a lower premium and a simple, reliable way to stay insured.

WA Casco Essential

All-risk coverage, including damage when you’re at fault. Perfect for cars up to 4 years old, combining third-party, theft, fire, and collision coverage.

WA & Casco Exclusive

Premium all-risk coverage, for maximum peace of mind. Best for cars up to 1 year old, including all-risk coverage and brand-new replacement if your car is total loss.

Car Insurance by Citizens – simple choices, reliable coverage

Basic third-party coverage, the legally required coverage for every driver. Ideal if you’re looking for a lower premium and a simple, reliable way to stay insured.
All-risk coverage, including damage when you’re at fault. Perfect for cars up to 4 years old, combining third-party, theft, fire, and collision coverage.
Premium all-risk coverage, for maximum peace of mind. Best for cars up to 1 year old, including all-risk coverage and brand-new replacement if your car is total loss.
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All amounts are in XCG
Available Plans Explore Options
WA Essential Basic third-party coverage – legally required
WA Casco Essential All-risk coverage, even when you're at fault
WA Casco Exclusive Premium coverage, even in total loss
Vehicle Age
No limit
Max 4 years
Max 1 year
Third-Party Liability
Covered
Up to 150,000 (upgradable to 500,000)
Covered
Up to 150,000 (upgradable to 500,000)
Covered
Up to 150,000 (upgradable to 500,000)
Own Vehicle Coverage
Not included
Included
At market value. Deductible applies.
Included
At market value. Deductible applies.
Replacement Vehicle
Not included
Included
Up to 900
Included
Up to 1,260
Fire, Theft, Explosion
Optional add-on
For vehicles max 7 years, at market value. Deductible applies.
Included
At market value. Deductible applies.
Included
At market value. Deductible applies.
New-for-Old Vehicle Replacement
Not included
Not included
Included
If total loss within 3 years
Personal Accident Insurance
Optional add-on
Up to 150,000 for passenger injury
Optional add-on
Up to 150,000 for passenger injury
Included
Up to 150,000 for passenger injury
Uninsured Driver Coverage
Optional add-on
Up to 30,000 coverage of own car damage and passenger injury, combined.
Optional add-on
Up to 30,000 coverage of own car damage. Up to 30,000 for passenger injury.
Optional add-on
Up to 30,000 coverage of own car damage. Up to 30,000 for passenger injury.
No-Claims Discount
Optional add-on
Optional add-on
Optional add-on
All amounts are in XCG
WA Essential Basic third-party coverage – legally required
WA Casco Essential All-risk coverage, even when you're at fault
WA Casco Exclusive Premium coverage, even in total loss
Vehicle Age
No limit
Vehicle Age
Max 4 years
Vehicle Age
Max 1 year
Third-Party Liability
Covered
Up to 150,000 (upgradable to 500,000)
Third-Party Liability
Covered
Up to 150,000 (upgradable to 500,000)
Third-Party Liability
Covered
Up to 150,000 (upgradable to 500,000)
Own Vehicle Coverage
Not included
Own Vehicle Coverage
Included
At market value. Deductible applies.
Own Vehicle Coverage
Included
At market value. Deductible applies.
Replacement Vehicle
Not included
Replacement Vehicle
Included
Up to 900
Replacement Vehicle
Included
Up to 1,260
Fire, Theft, Explosion
Optional add-on
For vehicles max 7 years, at market value. Deductible applies.
Fire, Theft, Explosion
Included
At market value. Deductible applies.
Fire, Theft, Explosion
Included
At market value. Deductible applies.
New-for-Old Vehicle Replacement
Not included
New-for-Old Vehicle Replacement
Not included
New-for-Old Vehicle Replacement
Included
If total loss within 3 years
Personal Accident Insurance
Optional add-on
Up to 150,000 for passenger injury
Personal Accident Insurance
Optional add-on
Up to 150,000 for passenger injury
Personal Accident Insurance
Included
Up to 150,000 for passenger injury
Uninsured Driver Coverage
Optional add-on
Up to 30,000 coverage of own car damage and passenger injury, combined.
Uninsured Driver Coverage
Optional add-on
Up to 30,000 coverage of own car damage. Up to 30,000 for passenger injury.
Uninsured Driver Coverage
Optional add-on
Up to 30,000 coverage of own car damage. Up to 30,000 for passenger injury.
No-Claims Discount
Optional add-on
No-Claims Discount
Optional add-on
No-Claims Discount
Optional add-on

Your questions answered

WA covers damage you cause to others. It does not cover damage to your own vehicle. With WA Essential, you meet the legal requirements to drive in Curaçao. What is the difference between Essential, Essential Plus and Exclusive?

• Essential: Basic third‑party liability, legally required.

• Essential Plus: Adds coverage for theft, fire and collisions.

• Exclusive: Full all‑risk coverage, including replacement options.

A deductible is the amount you pay first before your insurance covers the remaining cost.

Your premium depends on: – The type and use of the vehicle – Year and catalogue value – Your no‑claim history – The plan you choose

Call ForenSys at 9233 right away so they can prepare the accident report. Then contact Citizens so we can guide you through the next steps.

This depends on your claim history and the terms of your policy.

  • Great service, super friendly staff, and really competitive pricing. That’s why my family and I are insured with Citizens.
    — Kingrich Emerenciana
  • I have both my car insurance and health insurance with Citizens. They respond quickly, really take the time to help, and as a mom, that gives me peace of mind.
    — Audry Medina
  • With Citizens, you’re not just a number, they actually see you as a person. That’s what makes the difference for me.
    — Eddie Scevink
  • Everything was clear from the start, and they guided me through the whole process. I chose Citizens because trust and security matter most to me.
    — Gabriel Severina