UniDrive consists of a suite of car insurance plans that gives you flexibility over the coverage you need and complimentary 24-hour claim and emergency on-site assistance.
Choose a plan that is right for you, and enhance your coverage with optional add-ons
Lock in your premium for two years; it will not increase even if you make a claim during this period
Receive on-site assistance 24/7
Receive a discount if you have an in-car camera that records continual video footage of your journeys
Pay no interest on a 6- or 12-month instalment plan when you charge your premiums to your UOB Mastercard or Visa credit cards
You will have access to round-the-clock assistance to make filing claims hassle free
Find out what each plan covers in the sections below.
|Benefits||Comprehensive Cover||Third-Party, Fire|
& Theft Cover
| ||All Workshops||UOI's Authorised|
|Damage to vehicle due to:|
|Emergency assistance in the event of an accident||✓||✓||✕||✕|
|Towing services within Singapore in the event of an accident||✓||✓||✕||✕|
|Windscreen damage including sunroof||✓||✓||✕||✕|
|Personal accident cover for insured/authorised driver||✓||✓||✕||✕|
|Medical expense cover for everyone in the car||✓||✓||✕||✕|
|Death or injury to third parties||✓||✓||✓||✓|
|Damage to third-party property||✓||✓||✓||✓|
|Legal representation and defence||✓||✓||✓||✓|
|Loss of use of vehicle||✓||✓||✕||✕|
|No Claim Discount (NCD) Protector for policyholder with 50% NCD and above||✓||✓||✕||✕|
+ Inclusive of 7% GST
Please refer to the Policy Wording for the full details of the terms, conditions and exclusions of this insurance.
Yes you can, as long as your car is legally registered in Singapore.
You may complete this form and our Customer Service Officer will contact you within 2 working days.
Your UniDrive quote is valid for 30 days from the date you obtain the quote.
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, you can choose a 6- or 12-month interest-free instalment payment plan if you charge your car insurance premiums to your UOB MasterCard or Visa credit card.
You are covered in Singapore, Peninsular Malaysia (including Penang and other Malaysian islands offshore of Peninsular Malaysia), southern Thailand (within 50km 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:
If your car is under a hire purchase agreement with a bank or a financial institution, you are required to be covered under a Comprehensive plan because, technically speaking, your car is still owned by the bank or financial institution until you finish paying your loan. Even if your car belongs to you, a Comprehensive plan can offer you protection from unforeseen incidents that could otherwise have a big financial impact on you.
Under an Any Workshop plan, you may send your car to any workshop of your choice for repairs. Under an Authorised Workshop 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 an Any Workshop Plan.
Yes, you will be covered. You will not be covered if the car is used for commercial purposes, hire and reward.
Yes you can. The applicable car insurance premium will be based on the named driver’s driving and claim experience.
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.
Excess is the amount you are responsible for before you can make a claim. For example, if the damage to your car was S$3,750 and your plan states an excess of S$750 for damages to your car, you will be responsible for the first S$750 out of pocket.
By having named driver(s) in your UniDrive 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.
Here’s what you need to do:
Here's what you need to do:
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.
|Current NCD||NCD after one claim|
|30% and below||0%|
You will need to liaise with your previous insurer to update the GIA records. Please inform us once this is done.
No, windscreen damages 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 us at 6222 7733 or email 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$26.75 (inclusive of 7% GST).
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$26.75 (inclusive of 7% GST).
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 will 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, insurance broker or insurance agent. 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