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.
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.
Choose a plan that is right for you, and enhance your coverage with optional add-ons
Customise your preferred excess to suit your needs and budget
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.
Enjoy free No Claim Discount Protector if you have 50% NCD
Let us support your sustainability efforts with comprehensive coverage for your electric vehicle
You may call UOI’s emergency hotline for 24/7 roadside assistance
Find out what each plan covers in the sections below.
|Benefits||Comprehensive||Third Party Fire & Theft Only||Third Party Only|
|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||✕||✕|
|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)||✓||✓||✕||✕|
Yes you can, as long as your car is legally registered in Singapore.
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.
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.
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.
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.
The three types of car insurance offer different levels of coverage:
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.
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.
Yes you can. Please contact UOI at 6222 7733 to obtain a quote.
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.
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.
Yes, you may select your preferred excess amount with our comprehensive plan.
Here’s what you need to do:
Here's what you need to do:
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.
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.
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.
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|
|Three or more||0%||0%||0%|
You will need to liaise with your previous insurer to update the records. Please inform us once this is done.
No, windscreen damage will not affect your 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.
You can call UOI at 6222 7733 or email to firstname.lastname@example.org to arrange for your policy to be cancelled
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)
You will not be entitled to a cancellation refund if a claim (including windscreen claim) was made under your 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.
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