Car Insurance FAQ

Our eCall assistance is a complimentary service for Motor Prestige customers with the purpose to bring rapid assistance to you in the event of an accident. In case of a crash, an eCall-equipped car automatically notifies our claims helpline who will then contact you or go to the accident scene to assist you. In addition, it will also inform your emergency contact which you have already set up with our eCall mobile application, if any. 

To achieve this, we will provide you with an eCall device and a companion app for you to connect to your car via Bluetooth using your mobile phone. You should also have internet connection on your mobile phone. The same service is also extended to your authorized driver, if any.

This feature applies for Motor Prestige only for policies purchased on/before 31/12/2021.

To qualify for car insurance from Singlife, you must meet the following criteria:

• Be 21 to 70 years old
• Be residing in Singapore
• Be the registered car owner of the car to be insured
• Be medically fit to drive and satisfy all driving regulations
• At least 1 year of driving experience
• Have not been previously refused insurance for any reason
• Have made no more than 2 claims in the past 3 year
• Your car has no modification or any modifications your car has are compliant with and approved by the Land Transport Authority of Singapore ("LTA"). This applies to new and renewed policies taken out on and after 16 Dec 2014.
• The car to be insured must not be more than 15 years old.

Yes. You can obtain an instant quote from our website. You can also save your quote which we will provide you with a 14-day price guarantee. Click here to get an instant quote. 

You can view a summary of cover and policy document on our website under "Car Insurance".

For new and renewed policies taken out on and after 1 Jan 2022:

Summary of Cover

Policy Document - Annual

Policy Document - Dual Year

Traditionally, most motor policies sold in the market carry a 1 year period of insurance. And upon renewal, the premiums might fluctuate based on market conditions, claims experience etc.

Our Dual-Year Plan policy allows the customers to lock in the current rates by purchasing the policy with a 2 years period of insurance and enjoy savings with this arrangement.

You can pay your premium online using Credit Card (VISA/MASTERCARD), eNETS and Click to Pay.

eNETS (direct debit) is an online payment facility which allows Internet Banking users to make payment using their bank accounts. It is available to DBS Bank/POSB, OCBC Bank, UOB, Citibank and Standard Chartered Internet Banking users.

Visa Checkout by Visa is a free digital wallet service that allows you pay with the card stored in this wallet with any payment card, anywhere using any connected device.

Yes, you can opt for the Instalment Payment Plan (IPP) through your UOB Visa / MasterCard credit card (debit cards not accepted).

Visit MySinglife and log in with your email address and password. You can view and change your own damage policy excess, among other things.

Click on the unique link in your renewal email to verify your personal detail, log in to your Singlife account and review your renewal price and cover options.

Do note that the renewal price is guaranteed for 14 days from the date of the first renewal email and may change thereafter. 

Yes. You can purchase your car insurance and make payment online. You can choose to receive your policy documents and certificate of insurance via email instantly.

Yes, you may approach our intermediaries or you may get a quote online or through our call centre at 6827 9933.

No. We only offer cover for private cars that are used for domestic and non-commercial use which are registered in an individual name.

Yes, we offer cover for modified vehicles as long as the modifications are compliant with and approved by LTA.

Yes, we offer cover for modified vehicles as long as the modifications are compliant with and approved by LTA.

Modification refers to any changes made to a car including accessories.

If you need further clarification, please contact us. Alternatively, you may refer to the LTA website for more information on the types of modification.

We offer cover as long as the modifications are compliant with and approved by LTA. In the event of any damage during an accident, we will only replace damaged part(s) with suitable part(s) in accordance with the manufacturer's standard specifications.

Accessories refers to all standard equipment originally fitted by the manufacturer which includes upholstery, multi-media equipment, communication equipment, personal computers, satellite navigation and radar detection systems provided they are permanently fitted to your car.

Yes. We will offer cover for such cars as long as there are no other modifications made or any modifications the car has are compliant with and approved by LTA.

Yes.

No. We do not provide discount for drivers with a Certificate of Merit. We would still however hope that you find our price and insurance coverage competitive and suitable to your insurance needs.

Yes, if your car is brand new and you do not have your vehicle registration number yet, please enter your chassis and engine number (this can be obtained from your dealer or sales agreement).

Please note: Once the car is registered with Land Transport Authority of Singapore (LTA), please email us at [email protected] your new car registration number for our update. A revised copy of Certificate of Insurance and Policy Schedule will be sent to you upon policy endorsement by us.

Yes, provided your car has been approved by the Land Transport Authority (LTA) for use in Singapore and that it has not been modified from the manufacturer's standard specification. Please also note that to obtain a quotation the vehicle's make, model and type must appear in our vehicle database in the online quotation system.

Singlife Car insurance is underwritten by Singapore Life Ltd.

Our initial quote is designed as an indication of your final premium and the price is subject to change. You can convert the initial quote to a 14-day guarantee quote by saving the quote before exiting the page. 

The 14-day guarantee quote will be considered invalid and the premium is subject to change if the cover start date has lapsed or you have made a change on the online quote.

Our system will store up to a maximum of 5 quotes which can be saved, viewed and printed at any time. If you wish to process more than 5 quotes, please note that the original quotes will be overwritten by the most recent, as the system only has the capacity to save up to 5 quotes.

You are required to declare all claims and motoring accidents that you have had in the last 3 years that have either been your fault or where your previous insurer had reduced your NCD allowance.

Yes, provided you have a full and unrestricted driving licence that is endorsed by the Singapore Traffic Police for use in Singapore.

Kindly email your car registration number, make, model and type to [email protected] and we will contact you as soon as possible with our advice.

Yes, we provide comprehensive cover for cars up to 15 years old.

Log in to MySinglife to retrieve your quote.

If you encounter any login issue, please email our helpdesk at [email protected]. Please include if possible a screen copy of the reject message you received.

Yes. By default, the period of insurance is 1 year. However, if you need to coincide the insurance with your road tax, you may change the policy expiry date to match your road tax accordingly.

No. We only provide a fully Comprehensive Insurance Policy as we want to insure you and your vehicle as comprehensively as possible

Comprehensive insurance covers loss or damage to your car as a result of any accident, fire or theft (including windscreen damage), regardless of whom is at fault. You are also covered for any third-party damages that you may be liable for should you have an accident. 

On the other hand, Third-Party Fire and Theft insurance only provides coverage for : (a) any third-party damages that you may be liable for should you have an accident; and (b) losses arising from fire or theft. It does not provide cover for loss or damage to your own car.

Yes. Singlife car insurance covers damages as a result of natural disasters such as flood, typhoon, hurricane, cyclone tornado, volcanic eruption, earthquake and fallen trees.

Your car can be repaired at any of our approved repairer which provides a full 12-month repair warranty. Alternatively, it can also be taken to a repairer of your choice if you are covered under Motor Standard or Motor Prestige plan, but this may lead to delays in arranging the repairs to your car and may involve you paying an additional excess. 

If you are covered under Motor Lite plan, you can only send your car for repairs at our approved repairer. Otherwise, your claim will be affected. 

To view the list of Singlife-approved workshops, please click here.

Acceptance of parallel import models for repairs in distributor workshop is subject to the workshop's agreement. Please call the workshop before sending the vehicle in.

Yes. You may have your damaged windscreen or any of the cars' glass repaired or replaced.

Under Motor Lite, if the repair/replacement is carried out at Singlife's approved windscreen repairer then there is NO excess to pay for REPAIR and a S$100 excess (subject to GST if applicable) for replacement. If you choose not to use an Singlife's approved repairer then you will not be covered under the policy.

Under Motor Standard Plan, if the repair/replacement is carried out at Singlife's approved windscreen repairer then there is NO excess to pay for REPAIR and a S$100 excess (subject to GST if applicable) for replacement. If you choose not to use an Singlife's approved repairer then a S$25 excess applies for repair and S$100 for replacement (subject to a maximum payment of S$600 minus excess).

Under Motor Prestige Plan, the above excesses and capped limits does not apply.

Market value will be the amount that your car would likely fetch if it is sold in its current (pre-fire, theft or accident) condition in the open market in Singapore. This value will include the applicable taxes and C.O.E. that were in place when the vehicle was new or first registered. However we will deduct any vehicle or tax value depreciation that applies from the date of registration.

Yes, within certain geographical boundaries. Please refer to the summary of cover and policy document available on our website under "Car Insurance".

Yes, please note that if you want to reduce your own damage policy excess, it will only be applicable for selected car models.

Currently, the additional excess, in addition to standard policy excess, is as follows:

Drivers aged 24 and below and/or holding a valid driving licence for less than 2 years: S$2,500

For the avoidance of doubt, you are deemed to be age 24 and below so long as you have not attain your 25^th birthday. 

This does not apply for Motor Prestige plan.

Yes. We insure your car inclusive of its C.O.E. value, so your insurance is as comprehensive as possible.

Yes. We provide this benefit as an optional cover at attractive rates. For more details please refer to the summary of cover and policy document available on our website under "Car Insurance".

Yes. We provide this benefit as an optional cover including injury to you or any passengers in your car at attractive rates. For more details please refer to the summary of cover and policy document available on our website "Car Insurance".

Yes. We provide this benefit as an optional cover at attractive rates. In the event of an accident, we will pay for the cost of replacement car up to 10 days.

For Apple Appstore or Google Playstore, simply type "Singlife eCall Assistance".
Please ensure you have Android version 4.3 onwards or Apple iPhone iOS version 9 onwards.

Step 1: Plug the eCall device directly into a 12 V power outlet socket in your vehicle, which should be located in a place visible to the driver (center console).

Step 2: Turn on the ignition. A flashing LED display on the accident reporting connector signals that it has power.

Step 3: Perform a one-time validation on the eCall assistance companion app by entering your policy number and last 4 characters of your NRIC/Fin with us. Upon successful validation, you will then be required to enter your personal details which will be useful information for our Claims Helpline to reach you in the event of an accident.

Please ensure that your mobile phone's Bluetooth is turned on. Once the device is paired correctly, the light on the eCall device will be steady.

No. Next time when you start your car, the eCall app will be automatically connected to the eCall device. This can be easily identified if there is a steady light on the eCall device. Otherwise, an error message will also be prompted on the screen of the eCall app.

It is critical to make sure that the app has all the necessary access, smartphone is connected to the internet, etc. The application automatically checks all the settings and in case some permission is missing, the red stripe with errors is displayed on all the screens.

After clicking the stripe, screen with the list of permission details is displayed. The availability of the following user permissions is automatically checked:

• Location
• Bluetooth
• TEP Services
• Internet connection
• Backend service access
• Location services
• Bluetooth permissions
• Call phone permissions
• Access device storage permissions

Please make sure that all the necessary permissions and services are enabled in order to assure that the app is running correctly. If you are still encountering error after this, please call us at +65 6827 9933 between 08:45 - 17:30, Mondays to Fridays (except public holidays).

In the event that your policy is no longer in force with us, the eCall assistance service will cease.

You may navigate to "Settings" and click "Reset" under "Contract details".

Note: You will be required to do a one-time authentication using your new policy details.

No, there is no tracking at all. We will only be notified in the event of an accident for us to assist you in the shortest possible time.

In case of an accident, the eCall device and the smart phone app will only transmit the following data:

• Crash severity
• Date and time of the crash
• Crash location and driving direction (for the purpose of identifying which side of road you are on)
• Your contact number and further personal details you provided to us

Yes, please ensure that you have internet connection and auto-roaming services in order for this to work.

Yes, it is necessary that the app can access the location all the time. This is a must to make sure that the GPS location is always available (in case of the accident). Otherwise, the GPS location sent during the crash might be wrong.

Yes, it is safe to charge your smartphone battery and other mobile devices via the USB port on the eCall device.

Your car can be repaired at any of our approved repairer which provides a full 12-month repair warranty. Alternatively, it can also be taken to a repairer of your choice if you are covered under Motor Standard or Motor Prestige Plan, but this may lead to delays in arranging the repairs to your car and may involve you paying an additional excess. 

If you are covered under Motor Lite Plan, you can only send Your car for repairs at our approved repairer. Otherwise, your claim will be affected. 

To view the list of Singlife-approved workshops, please click here.

Acceptance of parallel import models for repairs in distributor workshop is subject to the workshop's agreement. Please call the workshop before sending the vehicle in.

Yes. You may have your damaged windscreen or any of the cars' glass repaired or replaced. 

Under Motor Lite, if the repair/replacement is carried out at Singlife's approved windscreen repairer then there is NO excess to pay for REPAIR and a S$100 excess (subject to GST if applicable) for replacement. If you choose not to use an Singlife's approved repairer then you will not be covered under the policy.

Under Motor Standard Plan, if the repair/replacement is carried out at Singlife's approved windscreen repairer then there is NO excess to pay for REPAIR and a S$100 excess (subject to GST if applicable) for replacement. If you choose not to use an Singlife's approved repairer then a S$25 excess applies for repair and S$100 for replacement (subject to a maximum payment of S$600 minus excess).

Under Motor Prestige Plan, the above excesses and capped limits does not apply.

Please call our 24-hour claims helpline +65 6333 2222 immediately for assistance and the person taking your call will record all the details relating to your car insurance claim and if necessary, Mobile Accident Response Service (MARS) will be dispatched to the scene of the accident or incident (The latter does not apply for Motor Lite plan). Otherwise, you can proceed to our Singlife Approved Repairer to file the accident report during office hours.

It is a condition of the policy to notify Singapore Life Ltd. within 24 hours of an accident occurring.

If anyone is injured in the accident or the accident involves a government vehicle, government property, a cyclist or pedestrian or a foreign vehicle you will need to report the accident to the Police. All other accidents do not require reporting.

Please note that it is a condition of the policy to notify Singlife within 24 hours of an accident occurring

Under Motor Lite and Motor Standard plan
If your car is less than a year old, we will replace your vehicle with an identical new model subject to availability. If your car is more than one year old, we will pay you the current market value. Your policy will have fully indemnified you and will no longer be in force and you will not receive any premium refund. You will need to take up a new policy for any replacement car.

Under Motor Prestige plan
If your car is less than 2 years old, we will replace your vehicle with an identical new model subject to availability. If your car is more than 2 years old, we will pay you the current market value. Your policy will have fully indemnified you and will no longer be in force and you will not receive any premium refund. You will need to take up a new policy for any replacement car.

Under Motor Lite and Motor Standard plan
If your car is less than a year old, we will replace your vehicle with an identical new model subject to availability. If your car is more than one year old, we will pay you the current market value. Your policy will have fully indemnified you and will no longer be in force and you will not receive any premium refund. You will need to take out a new policy for any replacement car.

Under Motor Prestige plan
If your car is less than 2 years old, we will replace your vehicle with an identical new model subject to availability. If your car is more than 2 years old, we will pay you the current market value. Your policy will have fully indemnified you and will no longer be in force and you will not receive any premium refund. You will need to take out a new policy for any replacement car.

Yes. You should always ring our Motor Accident Response Service (MARS) at +65 6333 2222 so that they can facilitate the signing of a legally binding private settlement form between you and the other party. This is a free service to you and in no way affects your claims history or NCD entitlement.

You should still call our 24-hour claims helpline at +65 6333 2222. Our Claims Team Representative will advise you on the steps you need to take in respect of reporting the incident to the local Police etc. If your car is damaged or no longer safe to be driven, we will arrange through the Automobile Association to recover your car back to Singapore (at no cost to you) and deliver it to one of our approved repairers.

If your car is still safe to be driven, you can report the claim to us directly upon your return.

If you are involved in an accident with a foreign motorist, please call our 24-hour claims helpline at +65 6333 2222. You are also required to make a police report.

If you are not at fault in the accident, you can still claim on your own policy and we will recover all amounts paid from the foreign insurer. In such circumstances, we will not reduce your NCD.

A replacement car is only available if you have added the optional Loss of Use Cover when taking up your policy. Under this optional cover, we will provide a courtesy car for your use free of charge only upon your request whilst yours is being repaired for up to a maximum of 10 days. If the duration of repair exceeds the 10-day limit, you can extend your hire of the car from our partner, Downtown Travel Services Pte Ltd, at preferential rates. The type of cars is subject to availability at the material time.

After reporting the accident to us at our 24-hour hotline at +65 6333 2222, you can bring your damaged car to any workshop to file the Third Party claim. Your chosen workshop will then do the necessary paperwork to lodge the Third Party claim.

With effect from 1 April 2016, all motor workshops are required to send a notification to the insurer (whom they wish to lodge a Third Party claim with) to request for a pre-repair survey. The insurer is required to send a surveyor to the workshop to assess the vehicle damage within 2 working days (excluding Sat, Sun and Public Holidays) from the time of notification.

Please advise your workshop to send their repair estimate to our claims department at the following:

Fax : 6829 1871

Email: [email protected]

We will arrange for a surveyor to go to your chosen workshop to assess the damage within 2 working days from the time of notification.

If you have lost your keys, just file a police report within 24 hours of discovery and proceed to replace the key. Send the scanned copy of the report and the invoice to [email protected] and we will follow up with you shortly.

If you still have claims questions, please contact us at:

+65 6827 9933
Mondays to Fridays 08:45 - 17:30
(Excluding public holidays)

With effect from 1 September 2014, Singlife Claims Team is located in Singapore Life Ltd with new contact numbers and emails. Should you have any outstanding motor / travel / home contents claims with Singlife, please email to [email protected]  for further assistance.

NCD is short for "No Claims Discount". This term is common with all car insurance companies. It means that if you don't make any claims on your car insurance, you get a 10% discount off the price of your car insurance premium every year. You can accumulate this yearly discount for more savings every year, capped at a maximum of 50%.

Read up more about NCD here and here.

Please check your NCD entitlement in your renewal notice or with your existing insurer. If in doubt, please select 0%. We'll be validating the NCD and as such, if you are entitled to NCD, we will refund the difference to you. If the premium you have paid changes as a result of providing us with an incorrect NCD, we will contact you to advise you of additional payment required or refund for any excess amount paid by you.

Yes. We do offer NCD Protector at a nominal fee as an optional cover for policyholders who has 30% NCD or above.

If you have purchased this optional cover, it will protect your NCD for one claim during the period of insurance.

If you are currently enjoying Safe Driver Discount (SDD) under the policy with us, your SDD will also be affected.

If you make more than one claim within the Period of Insurance, then your NCD and any SDD you have may be affected as shown in the following table.

Please note that this NCD reduction rate is only applicable for Singlife policies as the NCD reduction rate for other insurers may not be the same.

For Annual Plan policy

For Dual-Year Plan policy

Please refer to your policy documents for more details.

If we confirm you're not at fault for the accident, we will not reduce your NCD.

Insurers use a guide called the Barometer of Liability Agreement and information such as photographs/statements taken at scene of accident, and police's records to determine how much each party is liable in an accident. Depending on the decision, the reimbursement amount and the No-Claims Discount for the policyholder might be affected.

Please refer to the tables below for the reference.

Please note that this NCD reduction rate is only applicable for Singlife policies as the NCD reduction rate for other insurers may not be the same.

For Annual Plan policy

For Dual-Year Plan policy

If you are currently earning 50% NCD and still remain claim-free when your policy is due for renewal, we will reward you with a Safe Driver Discount (SDD).

¹Assuming you have 1 claim and the accident falls on the second year of the period of insurance.

Please refer to your policy documents for more details.

Yes. If you are currently earning 50% NCD and are still claim-free when your policy is due for renewal, we will reward you with a Safe Drivers Discount.

No, this is an exclusive discount given to you by Singlife in recognition of your loyalty and safe driving record.

NCD is only transferrable to your spouse provided your spouse is taking the new motor insurance policy with us. In addition, your spouse's driving experience must at least match the NCD level (i.e. minimum 5 years of driving experience is required to request for 50% NCD transfer). This is a one-time transfer and is non reversible. You are required to sign an Undertaking form. Please email us at [email protected] to request for the form

NCD is restricted to one nominated car only.

Please email your NCD letter from the previous insurer to [email protected] for our consideration.

No. NCD benefits are not transferable between different vehicle types.

No, unless the policy was taken out by you and registered in your name, you will not have accrued any NCD benefits.

We allow you to keep your NCD if there is a break of ownership for up to 24 months.

Your NCD will not be affected if we confirm you're not at fault. 

Under Motor Lite plan
If we confirm you're at fault for the accident, your NCD will be reduced by 30% for every claim made. 

Under Motor Standard and Motor Prestige plan
If we confirm you're at fault for the accident, your NCD will be reduced by 10% for every claim made. Please note that this NCD reduction rate is only applicable for Singlife policies as the NCD reduction rate for other insurers may not be the same.

No.

Yes. However, please note that all refunds will be credited back to the original payment mode.

This is an interest free instalment plan offered by the banks. At the moment, this arrangement is with UOB only. 

The minimum premium to qualify for IPP is $300. You can choose between 6 or 12 months 0% Interest Instalment Payment Plan for Annual Plan or 6, 12 or 24 months 0% Interest Instalment Payment Plan for Dual-Year Plan.

The bank will bill you monthly. The amount deducted will be reflected in your monthly credit card statement.

Your car insurance policy will remain in force, but the bank will issue finance charges, interest and fees on the outstanding amount at their prevailing rate.

We will provide a cancellation refund if you have not made a claim or there has not been an incident likely to give rise to a claim during the current period of insurance. Your cancellation refund will usually be based on short-period rates. Refunds will be credited to the original payment mode wherever possible within 14 working days. 

However, your instalment with the bank will still carry on.

You will receive a confirmation page with your policy number once you have submitted your payment details.

Your policy documents will be emailed to you using the email address provided when purchasing your policy. You can also download your policy documents online, by logging in to MySinglife.

Please follow either the "Forgotten Login" or "Forgotten Password" links from the Login screen. This will allow you to retrieve your username and/or receive a link via email to reset your password.

Please complete the Changes to General Insurance form which can be downloaded directly from the "Customer Care" tab on the web site and email your request to [email protected].

Please complete the Changes to Personal Particulars form which can be downloaded directly from the "Customer Care" tab on the web site and email your request to [email protected]. Kindly note that any change in personal particulars is for all policies and accounts held with Singapore Life Ltd.

We can provide a replacement certificate of insurance but not an additional certificate. If you have lost or misplaced your original certificate of insurance, please complete and email the Declaration form which can be downloaded directly from the "Customer Care" tab on the web site to [email protected].

We offer cover for modified cars as long as the modifications are compliant with and approved by LTA.

If your car is modified after purchasing Singlife car insurance and the modifications are not compliant with and/or not approved by LTA, your claim will be prejudiced.

If you need further clarification, please contact us.

You may refer to LTA website for more information.

If your vehicle breaks down, simply call our 24-hour helpline number +65 6333 2222 for assistance. We will send a representative to you who will, if possible, repair or restart your car at the roadside. If they cannot repair or restart your car, they will arrange (free of charge) to tow your car to the nearest suitable repairer. You will however be responsible for the costs of any repair carried out by this repairer. This complimentary benefit does not apply for Motor Lite Plan.

Please submit the Cancellation form which can be downloaded directly from the "Customer Care" tab on the web site and original Certificate of Insurance to:

Customer Service Centre
4 Shenton Way, SGX Centre 2
#01-01, Singapore 068807

If you cannot find the original Certificate of Insurance, please complete and email the Cancellation form and Declaration form to [email protected].

Your cancellation refund will usually be based on short-period rates. You will not be entitled to a refund if you have made a claim or there has been an incident likely to give rise to a claim during the current period of insurance. 

Please refer to the following table for illustration of an Annual Plan policy. Based on the annual plan policy with a premium amount of S$1200.

Please refer to the following table for illustration of a Dual-Year Plan policy. Based on the annual plan policy with a premium amount of S$1200.

We are unable to change the start date of your insurance policy. However, we'll extend your cover by up to 6 months (to coincide with your road tax) upon payment of the applicable premium. It will take up to 3 working days for us to update the LTA records.

To extend your cover, please complete the Changes to General Insurance form and email your request to [email protected].

Alternatively, you may walk in:

Customer Service Centre
4 Shenton Way, SGX Centre 2
#01-01, Singapore 068807

Monday to Friday 08:45 - 17:30(Excluding public holidays)

You can visit the LTA web site to renew your vehicle road tax online at the following link:  http://www.onemotoring.com.sg/publish/onemotoring/en/topwebwide/faqs/faqs.html. If you have just purchased a motor policy with us, please note that it will take up to 3 working days for us to update the LTA records.

Alternatively you can visit any one of the LTA approved agents to renew your road tax. Please remember to take with you your Certificate of Insurance and requisite payment.

We welcome any feedback from you. Please email us at [email protected].

If you are dissatisfied with our performance and you wish to make a complaint, you can write to:

Chief Executive Officer,
Singapore Life Ltd.,
4 Shenton Way, SGX Centre 2
#01-01, Singapore 068807
In the event if you are not satisfied with the outcome we provide, you may approach the Financial Industry Disputes Resolution Centre (FIDReC), an independent and impartial institution, to review your feedback.

We will send you your renewal notice via email and SMS 60 days prior to the expiry date.

You may make changes to your occupation, marital status, address, number of demerit points (DIPS), Own Damage Policy Excess and Driver's Option when you renew your policy online. For other changes, please either send details of your required changes to [email protected] or alternatively call us at +65 6827 9933. We will process the changes and advise you of any premium alteration. We will then send you a revised renewal notice detailing the premium required for the next insurance period in 3 working days.

You can either email us at [email protected] or if your renewal date is imminent please call us at 6827 9933.

There are 3 possible scenarios on what would happen to your renewed policy.

(Non-fault claims) If you are involved in an accident, where you were informed not to be at fault, we will not penalise you and your NCD will not be affected.

(At-fault claims) If you are involved in an accident where you are at fault, your NCD will be affected and subsequently, your renewal is also affected. Additional premium will apply for the cover to continue for the renewed year.

(Liability status not confirmed) If you are involved in an accident where the liability is not confirmed, additional premium may apply for the cover to continue for the renewed year. When the liability status is confirmed, and you are informed not to be at fault, we will refund any additional premium paid.

You can reduce your renewal premium by increasing the own damage policy excess of your policy or restricting the number of insured drivers under the policy.

No. In such circumstances you will have to buy a new policy.

If you have chosen to "Go Green" when buying your initial policy, we will send your documents via email exactly the same way as we did when you first purchased.

If you have elected for hard copy documents, these will be sent to you via post within the 5 working days.