InsureDrive

  • Worry-free journeys begin with InsureDriveWorry-free journeys begin with InsureDrive

    Worry-free journeys begin with InsureDrive

    Sign up now to enjoy: 20% off* your yearly premium and S$100 worth of Shell petrol vouchers* or EV charging credits*.  

    *T&Cs apply

    Get a Quote

Overview

InsureDrive is a car insurance plan that gives you the flexibility to decide on the coverage you need as well as complimentary 24-hour emergency on-site assistance in the unfortunate event of an accident.

Exclusive Promotion:
From now till 31 May 2023, sign up to enjoy 20% off* your yearly premium and S$100 worth of Shell petrol vouchers* or EV charging credits*. T&Cs apply.

Flexible plans that suit your needs and budget

Flexible plans that suit your needs and budget

Choose a plan that is right for you, and enhance your coverage with optional add-ons

Policy Excess from as low as S$500

Policy Excess from as low as S$500

Customise your preferred excess to suit your needs and budget

UOB Car Loan Relief Cover

UOB Car Loan Relief Cover

A lump sum settlement will be paid out to cover the outstanding car loan amount in the unfortunate event of a death due to a car accident.

Complimentary No Claim Discount (NCD) Protector

Complimentary No Claim Discount (NCD) Protector

Enjoy free No Claim Discount Protector if you have 50% NCD

Electric Vehicles

Electric Vehicles

Let us support your sustainability efforts with comprehensive coverage for your electric vehicle

24-hour emergency assistance

24-hour emergency assistance

You may call UOI’s emergency hotline for 24/7 roadside assistance

Coverage

Find out what each plan covers in the sections below.

 

BenefitsComprehensiveThird Party Fire & Theft OnlyThird Party Only
 
 
PreferredEssential
Preferred workshops
UOI’s Authorised Workshops
Loss or damage to the insured vehicle from accidental causes (Up to market value at the time of loss or damage)
Loss or damage by fire or theft (Up to market value at the time of loss or damage)
Damage to vehicle due to riot, strike & civil commotion
Damage to vehicle due to flood, typhoon, hurricane, tornado, volcanic eruption, earthquake or other convulsion of nature
Damage to Windscreen (Excess Apply)
Damage to third party property (Up to $5,000,000 for any one accident)
Death or injury to third party (Unlimited)
Personal Accident cover for Insured (Up to $25,000)
Medical Expenses for Insured/ Authorised Driver and Passengers (Up to $500)
Named Driver(s) - Up to 2
Towing Service within the Geographical Area in the event of an accident
(Due to fire only)
24-Hour Emergency Mobile Accident Response Service
No Claim Discount (NCD) Protector for policyholder with 50% NCD
Car Loan Relief Cover (Exclusive to UOB Car Loan customer)
Named Driver Refer to Policy Excess Refer to Policy Excess
Unnamed Driver $1,500 $1,500
Driver under the age of 25 years old and/or with less than 3 years valid driving license $3,000 $3,000
Medical Expenses for Insured/ Authorised Driver and Passengers (Up to $3,000)
Loss of Use ($50 per day, up to 5 days in any one period)
No Claim Discount (NCD) Protector (For policyholder with 40% NCD)

All amounts shown in Singapore Dollars (SGD)

Please refer to the Policy Wording for the full details of the terms, conditions and exclusions of this insurance.

Prefer to speak to someone? Simply submit your details here, and our team will contact you within 2 business days.

FAQs

  1. I am not a Singapore citizen or Permanent Resident. Can I purchase InsureDrive?

    Yes you can, as long as your car is legally registered in Singapore.

  2. Do you give discounts for drivers without any demerit points?

    A 5% safe driver discount is accorded if you do not have any demerit points and your NCD is 30% and above. You can check on your number of demerit points here.

  3. What if I wrongly declare a higher/lower NCD?

    We will verify with your previous insurer and adjust the NCD accordingly. If you declare a higher NCD, you will need to pay the difference in premiums. If you declare a lower NCD, you will be refunded the difference in premiums.

  4. Does InsureDrive cover electric vehicles?

    Yes, InsureDrive does provide motor insurance cover for certain electric vehicle models. However, InsureDrive does not cover any claim arising from the use of autonomous driving system. Please refer to the Policy Wording for more information of the coverage.

  1. Which countries am I covered in?

    You are covered in Singapore, Peninsular Malaysia (including Penang and other Malaysian islands offshore of Peninsular Malaysia), southern Thailand (within 80km of the border of Malaysia) and when in transit by sea between any of these areas.

  2. What is the difference between Comprehensive, Third-Party, Fire and Theft and Third-Party car insurance?

    The three types of car insurance offer different levels of coverage:

    • A Comprehensive plan covers legal liability to third parties (both bodily injury and property damage), as well as damage to your own car caused by accidental collisions, fire, theft, floods or other natural disasters.
    • A Third-Party, Fire and Theft plan covers legal liability to third parties (both bodily injury and property damage), as well as damage to your own car as a result of fire or theft only.
    • A Third-Party plan covers legal liability to third parties (both bodily injury and property damage) only.
  3. What is the difference between a Preferred Plan and Essential Plan?

    For Preferred Plan, you may send your car to any workshop of your choice for repairs. For Essential Plan, you must send your car to one of UOI’s authorised workshops for repairs.

  4. My car is still under manufacturer/dealer warranty. Which plan should I consider?

    If you are concerned about the warranty being voided if you have your car repaired at a non-dealer workshop, we recommend that you take up the Preferred Plan.

  5. I am the registered owner of the car but do not have a driving license. Can I still buy InsureDrive?

    Yes you can. Please contact UOI at 6222 7733 to obtain a quote.

  6. Are my windscreens covered?

    Yes, you will be covered if the windscreen is cracked, chipped or broken. An excess of S$100 is applicable for each windscreen replacement. In the event of solar film replacement, an excess of S$500 applies.

  7. What is the benefit of adding named driver(s) to my InsureDrive policy?

    By having named driver(s) in your InsureDrive policy, your named driver(s) will enjoy the same lower excess as you. However, for young driver(s) below the age of 25 years old and/or with less than 3 years of driving experience, the excess of S$3,000 will be applicable even if he/she is stated as a Named Driver in the Policy.

  8. Am I able to choose my excess amount to suit my needs?

    Yes, you may select your preferred excess amount with our comprehensive plan.

  1. What do I do in the event of an accident in Singapore?

    Here’s what you need to do:

    • Do not panic.
    • Exchange particulars with all involved parties including name, NRIC/FIN (or other Identity Card or passport details where applicable), telephone number, address, insurer and car license plate number(s).
    • Take photos of all the cars involved, including all license plate(s), the accident location and its surroundings and the car(s) in its/their stationary position before moving it/them.
    • Do not admit liability or make any offers to a Third Party.
    • You may call UOI 24-hour Emergency hotline at 6222 7737 for assistance.
    • You are to make an Accident Report within 24 hours or by the next working day at one of UOI’s approved Accident Reporting Centres.
  2. What do I do if the accident happens in Malaysia or Thailand?

    Here's what you need to do:

    • Do not panic.
    • Exchange particulars with all involved parties including name, NRIC/FIN (or other Identity Card or passport details where applicable), telephone number, address, insurer and car license plate number(s).
    • Take photos of all the cars involved, including all license plate(s), the accident location and its surroundings and the car(s) in its/their stationary position before moving it/them.
    • Call the local police if there is an injured party (999 for Malaysia/191 for Thailand) and make a police report in the country where the accident occurred.
    • You may call UOI 24-hour Emergency hotline at 6222 7737 for assistance.
    • Upon returning to Singapore, report the accident at one of UOI’s approved Accident Reporting Centres, regardless whether your car was damaged or not, within 24 hours or the next working day.
  3. What type of accidents require a police report?

    For accidents in Singapore, a police report is only required for accidents involving an injury, hit-and-run accidents or those involving government cars or property, foreign cars, pedestrians or cyclists. If the accident happens in Malaysia or Thailand, you will need to file a police report in Malaysia or Thailand.

  4. If my car is involved in an accident but there was no damage to my car or if I do not wish to make a claim, do I still have to lodge the report at UOI’s approved Accident Reporting Centre?

    Under the Motor Claims Framework (MCF), for any accident regardless of how minor, a GIA Report should be lodged at any of our approved Accident Reporting Centres within 24 hours or by the next working day. If no claim is submitted against your policy, your report will not affect your policy/NCD. The accident report is important as it will provide the necessary information in order for us to handle any claims made against your policy due to the accident. For more information about the Motor Claims Framework (MCF), you may refer to http://www.gia.org.sg.

  5. What happens if I fail to report the accident?

    If you fail to make a report, your NCD will be affected upon renewal of your car insurance, and the details of the accident may be prejudiced against your claim.

  1. How will my 50% NCD be protected if I make a claim?

    Please see the table below.

    Claims made during the period of insurance NCD Entitlement upon renewal Protected NCD Entitlement upon renewal with us NCD Entitlement upon renewal with new insurer
    One 20% 50% 20%
    Two 0% 20% 0%
    Three or more 0% 0% 0%
  2. If I successfully claim against the third party’s insurer, how do I reinstate my NCD?

    You will need to liaise with your previous insurer to update the records. Please inform us once this is done.

  3. Will my windscreen claims affect my NCD?

    No, windscreen damage will not affect your NCD.

  4. Do I need to pay an additional insurance premium to protect my NCD?

    If your NCD is at 50%, your policy will include our NCD Protector benefit at no additional charge. This benefit protects your 50% NCD entitlement in the event of a first claim if you renew your policy with us.

  1. What happens to my policy if I sell my car?

    You can call UOI at 6222 7733 or email to ser_dev@uoi.com.sg to arrange for your policy to be cancelled

  2. What is the minimum fee charged for my car insurance policy cancellation?

    If you cancel your policy before the effective date of your car insurance policy, you will be charged an administrative fee of S$50 (subject to prevailing GST rate).

    If you cancel your policy after the effective date of your car insurance policy, we will refund you the premium based on the formula below, less an administration fee of S$50 (subject to prevailing GST rate).

    Premium Refund = 80% of the Premium Paid x Unused Period of Insurance (days) / Original Period of Insurance (days)

  3. If I have made a claim under my car insurance policy, am I still entitled to a cancellation refund?

    You will not be entitled to a cancellation refund if a claim (including windscreen claim) was made under your car insurance policy.

  4. When will I receive my refund upon cancellation of my car insurance policy?

    You should receive your refund within twenty-one (21) working days. For insurance premium payment via credit card, we will credit the refund to the same credit card account. For any other premium payment method, we will send you a cheque.

Important Notes

The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of this insurance are provided in the policy contract and will be sent to you upon acceptance of your application by United Overseas Insurance Limited (UOI). You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you. UOB does not hold itself out to be an insurer or insurance broker. The insurance products and services stated herein are provided by UOI.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your insurance is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA or SDIC websites.
(www.gia.org.sg or www.sdic.org.sg).

United Overseas Bank Limited Co. Reg. No.193500026Z
United Overseas Insurance Limited Co. Reg. No. 197100152R

 

UOB