Motor Insurance Singapore

NTUC (Drivo Classic) – Summary of Main Benefits (Authorised Workshops)

admin — Fri, 06 Aug 2010 23:16:28 +0000

NTUC (Drivo Classic) – Summary of Main Benefits (Authorised Workshops)

Windscreen Coverage	$107 Excess (including GST)
Loss Of Use	Only for Drivo Classic Plus with additional premium: $50 per day, if repair takes 3 days and above (max up to 7 days)
NCD Protector	Applicable for 50% NCD holder. Requires an extra 10% premium
PA for insured / passengers	Up to $20,000
Towing Service	Free (up to $200)
Waiver of Excess	Nil (unless insured takes up Drivo Classic Plus @ additional premium, then excess can be waived off)
Workshop	Authorized Workshops Only
Excess for Young / Inexperienced Driver / Unnamed driver	All private car policyholders shall be responsible for Unnamed Driver Excess of $2,500, in addition to the Excess stated under the Policy, if the said driver is aged 26 years &below or has less than 1 year relevant driving experience. The Unnamed Driver Excess is $500 if aged 27 years and above.
Installment Plan	Yes (DBS/POSB/OCBC/UOB – 6 or 12 month installment)
Payment Method	Cash/Cheque/Credit Card

AXA Insurance – Summary of Main Benefits (Authorized Workshops)

admin — Fri, 06 Aug 2010 23:10:11 +0000

AXA Insurance – Summary of Main Benefits (Authorized Workshops)

Windscreen Coverage	$0 Excess & Free Reinstatement (unlimited)
Loss Of Use	$50 per day, provided that repair takes 3 days & above (max $250)
NCD Protector	10% of premium – only applicable for 50% NCD holders
PA for insured / passengers	$30,000 / $20,000
Towing Service	Free
Waiver of Excess	For 50% NCD – basic excess waived; For NCD 40% & below –Excess waived off by 50%. (applies for insured & authorized driver)
Workshop	Authorized Workshops Only
Excess for Young / Inexperienced Driver / Unnamed driver	Unnamed driver – additional excess of $500 + policy excess, for > 26 years old & > 1 year driving experience. Unnamed young & Inexperienced driver excess – $2,500. Named young & Inexperience Drivers Excess – Additional Excess of $500 for 26 years old & below and/or with driving exp < 1 year
Installment Plan	Yes (DBS/POSB/OCBC/UOB – 6 or 12 month installment)
Payment Method	Cash/Cheque/Credit Card

EQ Insurance (Classic) – Summary of Main Benefits (Authorized Workshops)

admin — Fri, 06 Aug 2010 23:05:48 +0000

EQ Insurance (Classic) – Summary of Main Benefits (Authorized Workshops)

Windscreen Coverage	$100 + 7% GST of Excess is payable. Free Reinstatement (max 2 claims)
Loss Of Use	Nil
NCD Protector	Only 50% NCD holder is eligible. 10% premium payable.
PA for insured / passengers	$50,000
Towing Service	Free – for accident only, up to $500
Waiver of Excess	Nil
Workshop	Authorized Workshops Only
Excess for Young / Inexperienced Driver / Unnamed driver	Unnamed driver – twice the policy excess of insured (e.g Insured – $750, unnamed driver – $1,500), > 26 years old or < 70 years old, > 2 years driving exp. Young/elderly/inexperience driver – an additional $3,000 + unnamed driver excess (e.g $3,000 + $1,200)< 26 years old or > 70 years old, < 2 years driving exp.
Installment Plan	Citibank (6 or 12 months)
Payment Method	Cash/Cheque/Credit Card

Liberty Insurance – Summary of Main Benefits (Authorized Workshops)

admin — Fri, 06 Aug 2010 23:01:09 +0000

Liberty Insurance – Summary of Main Benefits (Authorized Workshops)

Windscreen Coverage	$100 + 7% GST Excess is applicable & Free Reinstatement
Loss Of Use	Courtesy car provided (for up to 5 days)
NCD Protector	10% premium is payable
PA for insured / passengers	$50,000
Towing Service	Free – for accident
Waiver of Excess	Nil
Workshop	Authorized Workshops Only
Excess for Young / Inexperienced Driver / Unnamed driver	$3,000 – Additional Excess for Young, Elderly & Inexperienced Drivers. $1,100 – Unnamed Drivers
Installment Plan	No
Payment Method	Cash/Cheque/Credit Card

OAC (Drive & Save) – Summary of Main Benefits (Authorised Workshops)

admin — Fri, 06 Aug 2010 22:56:57 +0000

OAC (Drive & Save) – Summary of Main Benefits (Authorised Workshops)

Windscreen Coverage	$0 Excess & $50 for Reinstatement
Loss Of Use	Nil
NCD Protector	10% premium is payable
PA for insured / passengers	$20,000
Towing Service	Free (only for accident)
Waiver of Excess	40% & 50% NCD: waives off 100% of excess. 30% NCD & below: waives off 50% of excess
Workshop	Authorised Workshop. If new car is still under 3 year warranty from distributor/Agent, OAC allows driver to go back to distributor workshop for repair
Excess for Young / Inexperienced Driver / Unnamed driver	Unnamed – (Age < 22): $2,000. Unnamed – (Age > 22 & < 3 years driving exp): $1,500. Unnamed – (Age > 22 & > 3 years driving exp): $500. Named – (Less than 3 years driving experience): $ 1,000 + Original excess (of insured)
Installment Plan	Yes, only by OCBC credit card only
Payment Method	Cash/Cheque/Credit Card

MSIG – Summary of Main Benefits (Any Workshop)

admin — Fri, 06 Aug 2010 22:50:04 +0000

MSIG – Summary of Main Benefits (Any Workshop)

Windscreen Coverage	$0 Excess & Free Reinstatement (unlimited)
Loss Of Use	Nil
NCD Protector	Only applicable for those with 50% NCD, additional 10% premium is payable
PA for insured / passengers	$20,000 / $10,000
Towing Service	Free – for accident
Waiver of Excess	Nil
Workshop	Any Workshop
Excess for Young / Inexperienced Driver / Unnamed driver	Additional $2,000 excess will apply to any authorized driver (other than the policy holder/primary driver) who is 26 years old or below and/or holder of a qualified driving license of less than 2 years
Installment Plan	Not available
Payment Method	Cash/Cheque/Credit Card

Tenet (ExcelDrive Gold) – Summary of Main Benefits – Authorised Workshop

admin — Fri, 06 Aug 2010 22:39:16 +0000

Tenet (ExcelDrive Gold) – Summary of Main Benefits (Authorised Workshops)

Windscreen Coverage	$0 Excess & Free Windscreen Reinstatement (Limited to once during policy period) max of 2 claims
Loss Of Use	Daily Cash benefit given depending on CC of car (Repairs period exceed 3 days)
NCD Protector	Free NCD Protector if NCD is 30% -50%
PA for insured / passengers	$20,000 / $10,000
Towing Service	Free – for accident
Waiver of Excess	Original Excess Waived up to $1,000 (for first 2 claims)
Workshop	Authorized Workshops Only
Excess for Young / Inexperienced Driver / Unnamed driver	Additional excess (on top of original excess): Named Young and/or Inexperienced, Drivers or Elderly Drivers – $1,500. Unnamed Young and/or Inexperienced Drivers or Elderly Drivers – $3,000. ‘Young Drivers’ shall be defined as drivers (including the Insured) who are below 25 years old. ‘Inexperienced Drivers’ shall be defined as drivers (including the Insured) who have < 2 years of driving experience. 'Elderly Drivers' shall be defined as drivers (including the Insured) who are > 70 years old. Unnamed All Other Drivers – $500
Installment Plan	Not available
Payment Method	Cash/Cheque/Credit Card

Etiqa – Summary of Main Benefits – Any Workshop

admin — Thu, 15 Jul 2010 13:07:12 +0000

Summary of Main Benefits For Etiqa
(Any Workshop)

Windscreen Coverage	Free for 1st claim only, subsequent pay $40 (+ 7% GST)
Loss Of Use	Nil, No courtesy car provided
NCD Protector	10% of premium – only applicable for 50% NCD
PA for insured / passengers	Up to $20,000
Towing Workshop	To be included in the claims amount
Waiver of Excess	Nil
Workshop	Any workshop only (Or can go to Etiqa’s recommended workshops)
Excess for Young / Inexperienced Driver / Unnamed driver	An additional excess of $2,000 will be imposed on top of the policy excess if the insured vehicle is driven by any authorized person (other than the insured/named driver) who is under age 22 or less than 2 years of driving experience.
Installment Plan	Not available
Payment Method	Cash Cheque only

Chatis – AIG (AutoPlus) – Summary of Main Benefits – Authorised Workshop

admin — Thu, 15 Jul 2010 12:56:17 +0000

Summary of Main Benefits For AIG
(AutoPlus – Authorised Workshop)

Windscreen Coverage	$107 (Inclusive of GST) of excess is payable
Loss Of Use	Courtesy Car provided (up to 10 days)
NCD Protector	Nil
PA for insured/passengers	$50,000 / $10,000
Towing service	Free (even for mechanical breakdown)
Medical Reimbursement	$300 (insured & passengers)
Waiver of excess	Only at authorized workshop (50% NCD – waived off $600 & <50% NCD –waived off $300)
Workshop	Only Authorized Workshops, however if new car is still under 3 year warranty from distributor/Agent, AIG allows driver to go back for repair. * If the car is parallel imported & under 3 yr warranty, then driver needs to go back to authorized workshop.
Excess for young/inexperience driver/unnamed driver	An “Elderly, Young and/or Inexperienced Driver Excess” (“EYIDR”) of an additional sum of $3,000 in additional to the original policy excess (i.e $600) applies to an Authorized Driver (named or unnamed) if the Authorized Driver is above the age of 65, below the age of 23 and/or hasless than 2 year’s driving experience.
Installment Plan	Yes (Only DBS/POSB/UOB – 6 or 12 month)
Payment Method	Cash/Cheque/Credit Card

Car Insurance Jokes (Part 2 of 2)

admin — Sun, 09 Aug 2009 19:13:38 +0000

These car insurance jokes are actual statements from real claims:
(source http://www.carinsurances.co.uk)

“I collided with a stationary truck coming the other way”

“A truck backed through my windshield into my wife’s face”

“A pedestrian hit me and went under my car”

“In an attempt to kill a fly, I drove into a telephone pole.”

“I had been shopping for plants all day and was on my way home. As I reached an intersection a hedge sprang up obscuring my vision and I did not see the other car.”
“An invisible car came out of nowhere, struck my car and vanished.”

“I thought my window was down, but I found it was up when I put my head through it.”

“The guy was all over the road. I had to swerve a number of times before I hit him.”

“I had been driving for forty years when I fell asleep at the wheel and had an accident.”

“As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before.”

“I told the police that I was not injured, but on removing my hat found that I had a fractured skull.”

“I was sure the old fellow would never make it to the other side of the road when I struck him.”

“The indirect cause of the accident was a little guy in a small car with a big mouth.”

“The telephone pole was approaching. I was attempting to swerve out of the way when I struck the front end.”

“The gentleman behind me struck me on the backside. He then went to rest in a bush with just his rear end showing. ”

“I had been learning to drive with power steering. I turned the wheel to what I thought was enough and found myself in a different direction going the opposite way.”

“When I saw I could not avoid a collision I stepped on the gas and crashed into the other car.”

“The accident happened when the right front door of a car came round the corner without giving a signal.”

“No one was to blame for the accident but it would never have happened if the other driver had been alert.”

“I was unable to stop in time and my car crashed into the other vehicle. The driver and passengers then left immediately for a vacation with injuries.”

“The pedestrian ran for the pavement, but I got him.”

“I saw her look at me twice. She appeared to be making slow progress when we met on impact.”

“The accident occurred when I was attempting to bring my car out of a skid by steering it into the other vehicle.”

Click Here to Return from Car Insurance Jokes (Part 2 of 2) to Motor Insurance Singapore Home